TW201523474A - Reception device, method for controlling reception device, and program - Google Patents

Abstract

The present invention provides a reception device for reducing the possibility of becoming unable to settle accounts due to the shortage of the balance of values at the time of account settlement, without significantly changing the processing procedure of a host device, such as a POS terminal. A host terminal (11) requests an electronic money module (13) to acquire the balance of values from a general-purpose IC module (25), and the electronic money module (13) acquires the balance of values. At this time, an auto-charge condition is also acquired, and if an auto-charge is possible, the auto-charge is executed by an initiative of the electronic money module (13). Then, the balance of values augmented by the auto-charge is returned to the host terminal (11). The host terminal (11) compares a settlement amount and the augmented balance of values to determine whether account settlement is possible. If settlement is possible, the host terminal (11) transmits the settlement amount to the electronic money module (13) and requests that the settlement be executed by reducing the balance of values of the general-purpose IC module (25) by an amount equal to the settlement amount.

Description

Receiving device, control method of receiving device, and program

The present invention relates to a receiving device, a method of controlling the receiving device, and a program.

In recent years, the use of electronic money is spreading widely. In electronic money, an amount of information called a value is assigned to the value of the currency, and the balance of the amount is increased or decreased for fund settlement.

The electronic money card 100 is an IC card held by the user, and the balance of the amount value and the IC module ID for specifying the general-purpose IC module 25 are stored in the built-in or installed general-purpose IC module 25. , electronic currency numbers, etc. Further, there is also a portable terminal such as a mobile phone built in or equipped with the general-purpose IC module 25.

Such a method of maintaining the value of the general-purpose IC module 25 on the user side is called a stored value type.

The checkout terminal 7 that accepts the checkout of the stored value electronic money is installed in a physical store, a vending machine, or the like, and performs wireless close-range with the electronic money card 100 or the universal IC module 25 of the portable terminal. Communication, by reducing the balance of the amount of money stored in the universal IC module 25 Amount, the settlement due to the execution value.

The checkout terminal 7 is not connected to the electronic money server 2, but completes the checkout process between the local end and the user's general IC module 25, and records the transaction history as log data, and then periodically. Or the log data is sent to the electronic money server 2 in batches.

As described above, in the system of stored value electronic money, the balance of the amount is memorized in the general-purpose IC module 25, and is deducted at the time of checkout, so that once the amount is insufficient, the checkout cannot be performed.

[Previous Technical Literature] [Patent Literature]

[Patent Document 1] Japanese Patent Laid-Open Publication No. 2002-366862

Incidentally, the checkout terminal 7 is composed of an upper terminal 11 such as a POS terminal, and an electronic money module 13 that is controlled by the host device and accesses the general-purpose IC module 25 that is a payment device.

In the past, when the amount of money at the time of checkout was insufficient and it was judged that it was impossible to checkout, if the credit was allowed to be transmitted through the communication network by the operation of the upper device such as the POS terminal, the amount of memory in the general-purpose IC module 25 was made. A technique for increasing the balance of the value is known (Patent Document 1).

However, when the technique described in Patent Document 1 is introduced, it is assumed that the upper device such as the POS terminal operates, and cannot be avoided. The processing program of the upper device such as the POS terminal is greatly changed. Therefore, for example, the introduction of the technology to the checkout terminal 7 already installed in each store is a great obstacle.

The problem to be solved by the present invention is to reduce the possibility that the balance of the balance value at the time of checkout may result in an inability to checkout, without significantly changing the processing program of the upper device such as the POS terminal.

According to the invention of claim 1, there is provided a receiving apparatus characterized by comprising: a reference means for satisfying a normal condition for replenishing a remaining degree of an electronic value stored in the payment device; From the result of the comparison between the payment degree and the remaining degree, the remaining degree sent by the pointing device for determining whether the payment is possible is referred to the request, and the original remaining degree obtained by the payment device is added to calculate the remaining degree of the added degree. And the means for changing is to change the remaining degree of memory stored in the pre-payment device from the remaining degree change request sent by the pre-recording device determined to be payable according to the remaining degree of the response in response to the pre-record, so that The remaining degree after payment becomes the value obtained by subtracting the pre-payment degree from the remaining degree after the addition.

According to the invention of claim 2, the receiving device according to claim 1 is characterized in that the pre-recording reference means determines whether or not the pre-recording normal condition is satisfied after the pre-recorded remaining degree reference request is accepted.

In the invention of claim 3, there is provided a receiving device as recited in claim 1 or claim 2, characterized in that the pre-recording normal condition If the remaining degree of the previous record is less than or equal to a predetermined threshold value of the pre-payment device, it is determined that at least the pre-specified pre-requisite amount is added to the payment device; If the pre-recording normal condition is satisfied, the remaining degree stored in the pre-payment device is changed so that the replenished remaining degree becomes the remaining degree after the pre-addition; the pre-reference means refers to the pre-remaining degree reference requirement, and the pre-payment device The remaining degree of replenishment obtained is responded to.

According to the invention of claim 4, the invention provides the receiving device according to claim 3, further comprising: means for correcting the indication corresponding to the information obtained from the pre-recording device In the division of the device, at least one of the threshold value set in the foregoing and the number of replenishment degrees pre-specified in the pre-recording payment device are corrected upward.

In the invention of claim 5, the receiving device according to claim 4 is characterized in that the pre-recording correcting means is only included in the case where the predetermined time zone is included in the predetermined time zone. The upward revision of at least one of the threshold set by the preceding note and the supplementary degree of the preceding note is performed.

The invention according to claim 6 is characterized in that, in the request device of claim 1 or claim 2, the method further includes: generating means for changing the pre-payment device by the pre-recording means After the number of remaining degrees of memory, the deposit log data indicating that the pre-recorded replenishment degree has been added to the remnant of the previous record, and the withdrawal of the pre-recorded payment degree from the pre-recorded addition amount will be used. Log data is generated separately.

According to the invention of claim 7, the receiving device according to claim 6, further comprising: a writing means for depositing the deposit log data and the withdrawal log data generated by the pre-recording, The payment device is written separately.

In the invention of claim 8, there is provided a receiving device as recited in claim 1 or claim 2, characterized in that the pre-reference means is replaced only when the pre-payment degree can be used. The pre-recording normal condition is changed to determine whether the special condition is satisfied. When the remaining degree of the previous record is insufficient relative to the payment degree, it is determined that at least one amount of the pre-replenishment degree corresponding to the degree of the deficiency is necessary; Having: supplementary means, when the special conditions of the pre-recording are satisfied, the residual degree stored in the pre-payment device is increased by at least one pre-replenishment quantity; the pre-recording reference means is based on the pre-remaining degree reference requirement and will be obtained from the pre-payment device The remaining degree after the supplement is responded.

In the invention of claim 9, the receiving device described in the claim 1 or the request 2 is characterized in that the pre-recording means is replaced only when the pre-payment degree can be used. The pre-recording normal condition is changed to determine whether the special condition is satisfied. If the remaining degree after the addition of the pre-recording is insufficient relative to the payment degree, it is determined that at least one amount of the pre-replenishment degree corresponding to the degree of the deficiency is necessary; It also has: supplementary means, when the special conditions of the pre-recording are satisfied, the residual degree stored in the pre-payment device is increased by at least one pre-replenishment quantity; the pre-recording means refers to the requirement for the remaining degree of the pre-record, and will be from the pre-payment device The remaining degree of replenishment obtained is responded to.

In the invention of claim 10, there is provided a receiving device as recited in claim 8 or claim 9, wherein the pre-recording means is only for retaining the degree of payment in the means for temporarily holding the data. In this case, the number of payment degrees added to the pre-remaining degree change request is held by the holding means, and in order to receive the pre-recording remaining number reference request from the pre-recording instruction device again, the remaining degree change request return error is made; In the case where there is a memory payment degree in the pre-recording holding means, the payment degree is used to determine whether or not the pre-recording special condition is satisfied, and the payment degree is deleted from the holding means.

In the invention of claim 11, the receiving device according to claim 2 is characterized in that the pre-recording means is determined by referring to the content of the request or the data attached thereto based on the remaining degree of the credit. In the case where the remaining degree is not followed by the remaining degree change request, the remaining degree is referred to the request, and the remaining degree after the addition is added to the remaining degree obtained from the preceding payment device. Respond.

In the invention of claim 1, the receiving device according to claim 1, further comprising: means for supplementing, wherein the pre-recording degree change request is added to the pre-recorded degree of payment In the case of the change, the remaining degree stored in the pre-payment device is changed so that the remaining degree after the supplement is not lower than the payment degree; the pre-change means is to change the remaining degree stored in the pre-payment device so that after payment The remaining degree becomes the value obtained by subtracting the pre-payment degree from the remaining degree after the supplement.

According to the invention of claim 13, there is provided a method of controlling a receiving device, comprising: a reference step of satisfying a normal condition for supplementing a remaining degree of an electronic value stored in the payment device; From the result of the comparison between the payment degree and the remaining degree, the remaining degree sent by the pointing device for determining whether the payment is possible is referred to the request, and the original remaining degree obtained by the payment device is added to calculate the remaining degree of the added degree. And the changing step of changing the remaining degree of memory stored in the pre-payment device from the remaining degree change request sent by the pre-recording device determined to be payable according to the remaining degree of the response in response to the pre-recording, so that The remaining degree after payment becomes the value obtained by subtracting the pre-payment degree from the remaining degree after the addition.

In the invention described in claim 14, a program is provided for causing a computer to implement a reference function, if the normal condition for supplementing the remaining degree of the electronic value stored in the payment device is satisfied, From the result of the comparison between the payment degree and the remaining degree, the remaining degree sent by the pointing device for determining whether the payment is possible is referred to the request, and the original remaining degree obtained by the payment device is added to calculate the remaining degree of the added degree. And the change function is to change the remaining degree of memory stored in the pre-payment device from the remaining degree change request sent by the pre-recording device determined to be payable according to the remaining degree of the response in response to the pre-record, so that The remaining degree after payment becomes the value obtained by subtracting the pre-payment degree from the remaining degree after the addition.

The invention provides a memory medium for a memory program, which is used for realizing a computer: a reference function, if the electronic memory stored in the payment device is satisfied When the normal condition of the remaining value of the amount of value is supplemented, the original degree obtained from the payment device is referred to the remaining degree from the pointing device that determines whether the payment is possible or not based on the comparison between the payment degree and the remaining degree. The residual degree is added in addition to the added residual degree of the supplementary degree; and the change function is a remaining degree change request sent by the pre-recording device determined to be payable from the remaining degree after the addition of the response according to the pre-record, The remaining degree stored in the pre-payment device is changed so that the remaining degree after the payment becomes the value obtained by subtracting the pre-payment degree from the remaining degree after the addition.

According to the present invention, in the procedure for settlement by electronic money, the procedure of the processing executed by the electronic money module is changed before the step of determining whether the balance of the balance value is sufficient remaining by the upper terminal, thereby There is no need to significantly change the processing procedure of the upper device such as the POS terminal, and the possibility that the balance of the balance value is insufficient at the time of checkout can be reduced.

1‧‧‧ Electronic money system

2‧‧‧Electronic money server

7‧‧‧Checkout terminal

8‧‧‧Communication lines

11‧‧‧Upper terminal

13‧‧‧Electronic money module

25‧‧‧General IC Module

31‧‧‧CPU

32‧‧‧ROM

33‧‧‧RAM

34‧‧‧Communication Control Department

35‧‧‧Memory Department

36‧‧‧ bus bar

100‧‧‧Electronic currency card

121‧‧‧CPU

122‧‧‧High frequency circuit

123‧‧‧ROM

124‧‧‧RAM

125‧‧‧EEPROM

126‧‧‧Antenna

127‧‧‧ Terminal Communication Department

128‧‧‧ Value Processing Department

129‧‧‧Electronic Currency Memory Department

131‧‧‧CPU

133‧‧‧ROM

134‧‧‧RAM

135‧‧‧Communication Control Department

136‧‧‧Memory Department

137‧‧‧ Input Department

138‧‧‧Output Department

139‧‧‧Reading and writing department

142‧‧‧Program Storage

144‧‧‧Data Storage Department

300‧‧‧ Credit card company server

Fig. 1 is an explanatory diagram showing the configuration of an electronic money system according to the embodiment.

[Fig. 2] A diagram for explaining the hardware configuration of an electronic money card.

[Fig. 3] When the electronic money processing program is executed in the CPU of the electronic money card A schematic block diagram of the function of the formed electronic money card.

FIG. 4 is an explanatory diagram of a configuration of a checkout terminal.

FIG. 5 is an explanatory diagram of a configuration of an electronic money server.

FIG. 6 is an explanatory diagram of a user DB and an automatic bonus setting DB included in the electronic money server.

[Fig. 7] An illustration of an example of a setting screen of automatic addition.

[Fig. 8] A flowchart of a processing procedure of automatic value-added by the electronic money module.

Fig. 9 is a flowchart of a processing procedure of the embodiment.

Fig. 10 is a flowchart of a processing procedure of the embodiment.

[Fig. 11] A flow chart of the processing procedure when the condition of automatic addition is the type B mode.

[Fig. 12] A flowchart of a processing procedure when the condition of automatic addition is a type B mode.

[Fig. 13] A flowchart of a processing procedure when the condition of the automatic addition is the type B method and the retry processing is performed.

[Fig. 14] A flowchart of a processing procedure when the condition of the automatic addition is the type B method and the retry processing is performed.

[Fig. 15] A flowchart of a processing procedure when a condition for automatic addition is changed as the checkout progresses.

[FIG. 16] A flowchart of a processing procedure when a checkout amount is transmitted from a higher terminal.

[FIG. 17] A flowchart of a processing procedure when a checkout amount is transmitted from a higher terminal.

(1) Summary of the embodiment

The checkout terminal 7 provided in the real store (physical store in a physical business such as a real estate store) is controlled by the upper terminal 11 such as a POS terminal and by the upper terminal 11, and is in the electronic money card 100. The electronic money module 13 is connected to the built-in or installed universal IC module 25. In the checkout process, when the upper terminal 11 obtains the checkout amount, it requests the electronic money module 13 to obtain the balance of the amount from the general-purpose IC module 25. After receiving the electronic money module 13, the electronic money module 13 obtains the balance of the amount through the reading and writing unit 139. At this time, if the condition of the automatic addition is set in the general-purpose IC module 25, the condition is also obtained. Then, according to the obtained balance of the balance value and the condition of the automatic bonus, if the value can be automatically added immediately, the automatic bonus is performed under the leadership of the electronic money module 13.

Then, the balance of the amount of value that has been incremented by the automatic bonus is returned to the upper terminal 11.

The upper terminal 11 compares the checkout amount obtained before and the balance of the amount of the already increased amount to determine whether it is possible to checkout. If it is checkable, the upper terminal 11 sends the checkout amount to the electronic money module 13 to request that the balance of the balance value of the general IC module 25 is reduced by one checkout amount, and the checkout is performed. After receiving the electronic money module 13, the general IC module 25 is accessed, and the balance of the balance is deducted for settlement processing.

According to the processing, in a series of checkout procedures, the upper terminal The judgment of the checkout of 11 is based on the balance of the already added value after the automatic addition, so it is possible to reduce the possibility that the balance cannot be settled because the balance of the balance is insufficient. Moreover, since it is not necessary to change the processing procedure of the upper terminal 11, it is easy to introduce to each real store.

Moreover, when the automatic value added condition obtained from the general-purpose IC module 25 depends on the checkout amount (for example, the checkout amount is automatically added), the electronic money module 13 is used as the balance value. The false balance of the amount (for example, the limit of the value of the value specified by each electronic money) is returned to the upper terminal 11. Then, after receiving the delivery of the checkout permit and the checkout amount, and automatically adding the value based on the checkout amount, the checkout process can be performed. By doing so, it is possible to avoid the inability to checkout due to insufficient balance of the balance. Further, it is not necessary to change the processing procedure of the upper terminal 11.

(2) Details of the implementation

Fig. 1 is an explanatory diagram showing a network configuration of the electronic money system 1 according to the first embodiment.

The electronic money system 1 is composed of an electronic money server 2, a checkout terminal 7 installed in a real store, a communication line 8, a credit card company server 300, and an electronic money card 100 equipped with a general-purpose IC module 25. .

The electronic money server 2 is a server for managing the movement of the monetary value due to the value. Here, the value is the electronic information corresponding to the monetary value, and the electronic money system 1 makes the monetary value by the balance of the increase or decrease (hereinafter referred to as the balance of the amount). mobile.

Then, the business unit of the electronic money system 1 moves the actual currency in accordance with the movement of the amount of money, thereby making the amount value correspond to the movement of the real money.

The electronic money server 2 associates with each of the general-purpose IC modules 25 to memorize the balance of the amount.

It is best to always synchronize to the same value. However, in reality, it is impossible to connect the electronic money server 2 to the checkout terminal for asynchronous checkout, and there are many. Therefore, the generated log data is then sent to the electronic money server 2 in batch processing, and synchronization is performed afterwards.

In this embodiment, although the electronic money system of the storage amount value of the amount value is managed on the electronic money card 100 (or the portable terminal) side, there is also a management amount on the electronic money server 2 side. Value-managed server-managed e-currency.

The electronic money card 100 is built or equipped with a general-purpose IC module 25 in which the electronic money number and the balance of the amount are memorized. By making the universal IC module 25 and the read/write section 139 of the checkout terminal 7 close to each other, short-range wireless communication can be performed, and data can be received.

Further, similarly to the electronic money card 100, a portable terminal including a smart phone, a mobile phone, a game machine, a tablet computer, or the like, which is built or equipped with the universal IC module 25, is also widely used. The portable terminal has a function of connecting to the Internet and a function of connecting to the checkout terminal 7 by short-range wireless communication by the universal IC module 25.

The checkout terminal 7 is provided, for example, in an accounting counter or a vending machine of a real store where network equipment is inconvenient, and has a function of performing short-range wireless communication with the electronic money card 100 (or a portable terminal).

The checkout terminal 7 performs short-range wireless communication with the electronic money card 100, and performs checkout by the balance of the amount. The checkout terminal 7, usually not connected to the electronic money server 2, temporarily remembers the contents of the checkout with the electronic money card 100 as log data.

Then, the checkout terminal 7 is connected to the electronic money server 2 using the communication line 8 to the extent that it is once a day, and transmits the log data to the electronic money server 2. In an environment where there is no network communication device, the recording medium on which the log data is recorded is sometimes collected manually by the person in charge.

In addition, the checkout terminal is also used, and is constantly connected to the electronic money server 2 via the communication line 8, and is a synchronous checkout terminal that performs on-line communication with the electronic money server 2 at the time of checkout.

The checkout terminal 7 is composed of a higher terminal 11, an electronic money module 13, and a read/write unit 139.

The upper terminal 11 corresponds to a POS cash register and a ticket checking machine, and performs the following processing: obtaining the checkout amount, and causing the electronic money module 13 to obtain the amount from the general-purpose IC module 25 of the electronic money card 100 (or the portable terminal). For the balance, compare the obtained checkout amount and the balance of the balance to determine whether the checkout is possible. If the result of the determination is checkout, the electronic money module 13 decrements the balance of the value of the general IC module 25, if the result is determined. If the bill is not billable, the user is notified of the intention.

If an attempt is made to change the processing procedure in the upper terminal 11, the firmware of the upper terminal 11 or the accounting operation of each store may need to be changed. Therefore, it is not necessary to change the processing program in the upper terminal 11 as much as possible. More ideal.

The higher terminal 11 functions as a pointing device among the checkout terminals 7.

The electronic money module 13 is a receiving device that accepts the checkout from the electronic money card 100 (or the portable terminal), and receives the electronic money card 100 (or the portable terminal) through the read/write unit 139 in accordance with an instruction from the upper terminal 11. The general-purpose IC module 25 obtains the balance of the amount of money, and when the checkout is performed, the balance of the balance is deducted, and the processing is performed as such.

Further, the automatic value addition processing to be described later may be performed independently without following the instruction from the upper terminal 11.

The electronic money module 13 can change the processing program relatively easily without having a great influence on other processing. That is, the electronic money module 13 is programmed to be individually independent with each function of the processing. Therefore, even if you change the program used to implement a specific function, it will not affect other functions.

Further, each function can realize the function by calling from the upper terminal 11 through an API (Applicaton Programing Interface). Therefore, even if the function of the called side is changed, there is no influence on the calling side (upper terminal 11).

Therefore, the electronic money module 13 can change the processing program without much trouble.

This electronic money module 13 functions as a receiving device in the checkout terminal 7.

The communication line 8 is a line for connecting the electronic money server 2 and the checkout terminal 7. As the communication line 8 system, a dedicated line can be used, and a general line such as the Internet 3 can also be used.

The credit card company server 300 is a server used by a credit card company to manage payments made by credit cards. The credit card company server 300, when the electronic money module 13 automatically adds the universal IC module 25, uses the electronic money server 2 to charge the fee by the user's credit card number.

FIG. 2 is a block diagram showing an example of the hardware configuration of the electronic money card 100.

The electronic money card 100 includes a CPU (Central Processing Unit) 121, a high frequency circuit 122, an antenna 126, a ROM (Read Only Memory) 123, a RAM (Random Access Memory) 124, an EEPROM (Electronically Erasable and Programmable ROM) 125, and the like. .

These components are formed on the general-purpose IC module 25, which functions as a payment device that stores the balance (value balance) of the monetary value (value).

However, the antenna 126 is constituted by an antenna which is surrounded by an outer edge portion inside the electronic money card 100 or an elliptical curve whose axis is the diagonal of the electronic money card 100, and the end portion thereof is connected to the general-purpose IC mode. Group 25.

The CPU 121 is in accordance with the ROM 123 or the EEPROM 125. The central processing unit that performs the information processing by the various programs of the memory performs the check processing, the added value, and the like, and changes the amount of the amount of the remaining balance value to be changed.

The CPU 121 can transmit the high-frequency circuit 122 and the antenna 126 to perform short-range wireless communication with the read/write unit 139 of the checkout terminal 7.

The antenna 126 is used for the antenna required for receiving and transmitting signals by means of radio waves in the built-in antenna of the read/write section 139 of the checkout terminal 7, in addition to receiving and transmitting various information, and also by reading and writing. The electric power of the portion 139 generates electric power required to drive the general-purpose IC module 25.

The high-frequency circuit 122 converts the high-frequency wave transmitted from the read/write unit 139 to the antenna 126 into a digital signal, and outputs it to the CPU 121, or conversely converts the digital signal output from the CPU 121 into a high-frequency wave, and sends it from the antenna 126 to the read/write unit 139.

The RAM 124 is a write-once read memory that provides a working memory when the CPU 121 performs information processing.

In the present embodiment, when the CPU 121 performs the amount change processing, it is used as a temporary memory area.

The ROM 123 is a read-only dedicated memory that stores basic programs, parameters, data, and the like necessary for the electronic money card 100 to function.

The EEPROM 125 is a ROM that can erase information. The information stored in the EEPROM 125 can also be maintained without power supply to the electronic money card 100.

The EEPROM 125 also stores an electronic money processing program required to make the electronic money card 100 function as an electronic money card, and is formed. The electronic money storage unit 129 stores the balance value or log data, and various materials for identifying the ID information of the general IC module 25, that is, the electronic money number.

The electronic money storage unit 129 stores the electronic money number, the balance of the value, the condition of the automatic bonus, the command group, and the log data. The conditions for the automatic bonus will be described later.

FIG. 3 is a schematic block diagram showing the functional configuration of the electronic money card 100 formed when the electronic money processing program is executed in the CPU 121 of the electronic money card 100.

The electronic money storage unit 129 formed in the EEPROM 125 stores therein an electronic money number, a balance of the amount of money, a condition for automatic value addition, a command group, log data, and the like.

The balance of the amount is the balance of the current value, and the electronic money card 100 can be debited by deducting the balance of the balance.

In this way, the electronic money storage unit 129 has a function of storing the balance by using the amount of money value as electronic data (value value).

The log data is data for recording the processing contents for communication with the checkout terminal 7 or the electronic money server 2, and is the date, minute, second, processed amount, checkout amount, and ID of the processed checkout terminal 7 processed. Information is also composed of terminal IDs and the like.

The terminal communication unit 127 is configured by using the antenna 126, the high-frequency circuit 122, and the like, and receives the amount change information or other command from the read/write unit 139 of the checkout terminal 7 and inputs it to the amount processing unit 128, etc. The terminal 7 communicates with the value processing unit 128.

The amount processing unit 128 is an information processing unit that executes various commands.

The command system includes an amount change information, an ID reference command, and a balance reference command.

The amount change information is an order for the amount processing unit 128 to perform the amount change processing.

When the amount change processing is executed, the amount processing unit 128 increases or decreases the balance of the amount of money by the amount of money specified by the amount change information, and performs a completion response to the checkout terminal 7 (the checkout completion notification is performed when the checkout processing is completed). Sending a message, when the value is added, it is a notification of the completion of the notification, and then the log data is created.

In this way, the amount processing unit 128 has a response to the amount of money stored in the electronic money storage unit 129 using the amount change information received from the checkout terminal 7, and the amount of money change processing is completed. function.

Incidentally, the amount change information can be constituted by, for example, an addition command, a subtraction command, an overwrite command, and the like.

The addition command is to increase the balance of the balance value by adding the amount of the amount specified in the command with the amount specified by the parameter.

On the other hand, the reduction order is a command to decrement the balance of the value by one to reduce the amount of money specified in the order with the parameters.

For example, when the balance of the balance is 5,000 circles and the checkout amount is 1000, the checkout terminal 7 generates a subtraction order of 1000 deductions and transmits it to the electronic money card 100.

In the electronic money card 100, the amount processing unit 128 executes the subtraction command to update the balance of the amount to 5000 circles - 1000 circles = 4000 circles. The same is true for the addition of commands.

The overwrite command is to overwrite the balance of the value into a command that overwrites the amount specified by the parameter associated with the command.

When the overwrite command is used as the amount change information, the checkout terminal 7 calculates the balance of the balance value after the checkout ‧ the value, and the balance amount processing unit 128 overwrites the balance of the value of the electronic money storage unit 129 .

For example, consider the case where the balance of the balance is 5000 rounds and the checkout amount is 1000 rounds.

The checkout terminal 7 reads the current balance of the value of 5000 rounds from the electronic money card 100, and calculates the balance after the checkout is 5000 circles - 1000 circles = 4000 circles.

Then, the checkout terminal 7 generates an overwrite command in which the balance value balance is overwritten to 4000 circles and transmits it to the electronic money card 100.

In the electronic money card 100, the amount processing unit 128 executes the overwrite command to update the balance of the amount to 4000 circles.

The amount change information may be composed of an addition command and a subtraction command, or may be an overwrite command when the value is added, or a subtraction command at the time of checkout, or an addition command may be used when the value is added. The time is formed by using an overwrite command, or it can be constructed by using an overwrite command during the addition and checkout.

The ID reference command causes the order value processing unit 128 to read the command of the electronic money number, and the amount processing unit 128 reads the electronic money number from the electronic money storage unit 129 and inputs the ID reference command. Out.

The balance reference command is a command for the amount processing unit 128 to read the balance of the balance value, and the amount processing unit 128 reads the balance of the balance value from the electronic money storage unit 129 and outputs it when the balance reference command is input.

Although the configuration of the electronic money card 100 has been described above, a general-purpose IC module similar to the general-purpose IC module 25 incorporated in the electronic money card 100 is generally widely used in a mobile phone or other portable terminal. These portable terminals can use the checkout terminal 7 to perform checkout processing or bonusing in the same manner as the electronic money card 100.

FIG. 4 is a diagram showing an example of the hardware configuration of the checkout terminal 7.

The checkout terminal 7 is composed of a CPU 131, a ROM 133, a RAM 134, a communication control unit 135, a storage unit 136, an input unit 137, an output unit 138, a read/write unit 139, and the like, and is connected by a bus bar, and has a checkout process. The function of the device.

The CPU 131 performs information processing in accordance with a predetermined program, and also controls the entire checkout terminal 7 and the like. In the present embodiment, the CPU 131 transmits the amount change information to the electronic money card 100, and causes the electronic money card 100 to perform the amount change processing.

The ROM 133 is a read-only dedicated memory that stores the basic programs or parameters required to operate the checkout terminal 7.

The RAM 134 is a memory that can be read and written at any time by providing the working memory of the CPU 131 or by loading and storing the program or data stored in the memory unit 136.

The communication control unit 135 connects the checkout terminal 7 to the connection device of the electronic money server 2 via the network.

When the checkout terminal 7 is installed in a store, the input unit 137 includes an input device such as a keyboard or a bar code reader, and allows the operator to input the product code, the checkout amount, the added amount, and the like.

Further, when the checkout terminal 7 is provided in the pass gate, the input unit 137 is, for example, connected to the control device that passes the gate, and receives the input of the checkout amount from the control device that passes the gate.

When the checkout terminal 7 is installed in a store, the output unit 138 is connected to, for example, a liquid crystal display device, a printer, an audio output means, and the like, and presents information to the operator or the operator of the affiliate store. For example, when the checkout is completed and the checkout cannot be made, a predetermined sound is issued to inform the user of the result of the checkout.

Further, when the checkout terminal 7 is provided in the pass gate, for example, the output unit 138 is connected to the drive device that drives the shutter, or the warning light or the sound output device provided in the pass gate can open and close the gate, or It is synchronized with the opening and closing of the gate to cause the warning light to flash or a warning sound to occur.

The read/write unit 139 is a built-in antenna that performs wireless communication with the universal IC module 25 of the electronic money card 100 (or portable terminal).

When the checkout terminal 7 is installed in the store, the read/write section 139 is placed beside the cash register, and the user can bring the electronic money card 100 close to the read/write section 139 at the time of checkout of the product.

Further, when the checkout terminal 7 is provided in the pass gate, the read/write section 139 is provided on the upper side of the pass gate and in front of the gate, and is used. The electronic money card 100 can be brought close to the reading and writing unit 139 while passing through the gate.

The memory unit 136 is composed of, for example, a hard disk or another memory medium and a drive device for driving these, and is composed of a program storage unit 142 storing various programs and a data storage unit 144 for storing data.

The program storage unit 142 stores an OS for rectifying the basic program of the checkout terminal 7, or the electronic money card 100 for performing the amount change processing, and the amount of the insufficient amount is added by the electronic money server 2. The required program, etc.

The data storage unit 144 stores the ID information of the checkout terminal 7, that is, the terminal ID, and the log history of the electronic money card 100, that is, the log data. This log data is sent to the electronic money server 2 in the batch processing performed by the CPU 131.

FIG. 5 is an explanatory diagram of the configuration of the electronic money server 2.

The electronic money server 2 is connected to the CPU 31, the ROM 32, the RAM 33, the communication control unit 34, the storage unit 35, and the like by the bus bar 36.

The CPU 31 performs various kinds of information processing or control of the entire electronic money server 2 by executing the programs recorded in the ROM 32 or the storage unit 35.

In the checkout of the checkout terminal 7, the electronic money server 2 updates the log data of the balance of the balance value to the checkout terminal 7, and then receives and processes it from the checkout terminal 7.

In addition, if it is a checkout terminal that can be connected to the electronic money server 2 in an online manner, the balance of the balance value can be instantly updated while communicating. Checkout processing due to the value.

The ROM 32 is a memory dedicated for reading, and records basic programs, parameters, materials, and the like required for the operation of the electronic money server 2.

The RAM 33 is a readable and writable memory, and provides a working memory for the CPU 31 to perform information processing.

The communication control unit 34 allows the electronic money server 2 to communicate with the checkout terminal 7 via the communication line 8, or communicates with the portable terminal via the Internet 3.

The memory unit 35 is composed of, for example, a large-capacity hard disk, and records the balance processing by the CPU 31, the electronic money management program required for the value addition, other programs, and the balance of the management user. The user DB (database) that manages the value-added history, the automatic value setting DB, the franchise store DB that manages the value of the franchise store, and the log data DB in which the log data of each checkout process is stored.

Further, in the example of FIG. 5, although the single electronic money server 2 has been described, the electronic money server 2 can be constituted by a plurality of servers by functional dispersion.

Next, the database owned by the electronic money server 2 will be described using the respective diagrams of FIG. 6.

Fig. 6(1) is a diagram for explaining the logical structure of the user DB.

In the present embodiment, the electronic money number is stored in correspondence with the user ID. Further, items such as authentication materials of the general-purpose IC module 25 (not shown) are also stored.

The item "user ID" is the identification information of the user.

The item "e-money number" is the account number required to identify the balance of the balance and the balance of other users.

The item "management value of the balance of the amount" is the balance of the amount of the account specified by the item "electronic money number". This balance of the balance is updated by receiving the log data in batch processing.

The item "automatic value setting" is an item for registering whether or not to perform automatic value setting by the electronic money module 13 of the checkout terminal 7.

The items "name", "address", "date of birth", "telephone number" and "mail address" are used to specify the information required by each user. All of these items are not required to be registered, and may or may not be set depending on the situation.

Fig. 6 (2) is a diagram for explaining the logical structure of the automatic bonus setting DB.

The automatic bonus setting DB is based on "electronic money number", "conditions for automatic bonus", "condition change for automatic bonus", "credit card number (account number of financial institution)", "day limit", " The monthly limit is composed of other items.

The item "electronic money number" is a search key for searching for a user who is registered in the user DB.

The item "conditions for automatic value addition" is an item that sets under what conditions the amount of value is added.

For example, it is "additional value Y if the balance of the amount is below X circle". Specifically, it is "if the balance of the amount is below 1000, then add The value is 5000 round." In the present embodiment, this mode is referred to as a type A method.

As a condition of other automatic bonuses, it is "added to the amount necessary for the checkout". Specifically, if the checkout amount is 1,500 rounds and the balance of the balance is 900 rounds, the bonus is 600 rounds. In the present embodiment, this mode is referred to as a type B method.

"Conditional change of automatic value" is an item that changes the condition of the automatic value added beforehand if it is a specific condition.

For example, if the type A method is set to "If the balance of the amount is less than 1000 rounds and the value is added by 5000 rounds", it is "when passing the ticket gate of the train, or only at the current time is 7:00 am to 9:00 am. At the time of the peak time of 30 minutes, if the balance of the amount is less than 2000 rounds, the value of 5000 points will be added." In this case, usually, the balance before the checkout will not be lower than 1000 rounds, but in the specific place and time zone, the balance before checkout will not be less than 2000 rounds.

In this way, the condition of the automatic value addition can be changed in accordance with the place of use and the use time of the electronic money card 100, whereby the possibility that it is determined that the balance cannot be settled due to the insufficient balance can be further alleviated. In particular, the ticket gates of the transportation agencies or the fare payment machines can alleviate the possibility of stagnation at the ticket gates. As a result, the factors that hinder the smooth flow of people's tides can be excluded as much as possible.

The "credit card number" (account number of the financial institution) is an item indicating the source of the distribution of the original funds. Therefore, depending on the situation, sometimes it will be "bank account number" or "phone fee" The ID determined by the company."

Moreover, in the case of using a plurality of checkout means (credit card, pre-deposit account, etc.), the checkout program may also be memorized.

In the case of debiting a bank account, the premise is that a contract or the like for debiting the request from the electronic money server 2 is concluded between the user and the bank.

"Day limit" and "month limit" are arbitrary setting items. If there is a request from the user, it will be recorded in the project. By setting the limit in advance, if the electronic money card 100 is lost, damage caused by improper use can be suppressed and suppressed within the limit.

The daily limit amount is the upper limit of the total value of the added value per day due to the value added.

The monthly limit is the upper limit of the total value of the bonus per month due to the value added. Further, the number of times per one day and the number of times per one month may be set.

Here, the case where the value-added original funds and the telephone charges are combined is explained.

The portable terminal has a telephone function, and when the user enters into a contract with the mobile phone company, the amount of the added value and the telephone charge can be combined to make a payment to the user.

This method is, for example, the same as the case where the purchase cost of the digital content is equal to the telephone charge.

In this case, the electronic money server 2 does not access the server of the mobile phone company to the credit card company server 300, and is requested to access the server. The amount of money set by the bonus reservation. At this time, the ID notified from the mobile phone company beforehand will also be notified.

Fig. 7 is a diagram showing a setting screen of the automatic added value displayed when the automatic value setting is performed.

The process of increasing the balance of the amount of money stored in the general-purpose IC module 25 of the electronic money card 100 is referred to as an added value. The added value is an automatic bonus that is automatically performed in the case of a value-added exchange with a currency exchange in a real store, and when an electronic money card is used.

First, explain the added value in the real store.

The premise of this bonus is that the clerk who operates the checkout terminal 7 has received a currency equivalent to the value of the bonus. Then, when performing the bonus processing, the general-purpose IC module 25 receives the request for updating (increasing) the balance of the amount from the checkout terminal 7 through the short-range communication control unit, and updates the balance of the amount ( Increase).

Thereafter, the general-purpose IC module 25 notifies the checkout terminal 7 of the intention that the balance of the balance has been updated.

On the other hand, the automatic value addition is premised on setting the general-purpose IC module 25 of each electronic money card 100 in advance.

This setting can be performed, for example, by connecting the electronic money card 100 to the electronic money server 2 via a PC (Personal Computer) having a non-contact type reader/writer. Further, the electronic money card 100 can be connected to the electronic money server 2 via a portable terminal having a reader function. In this case, it can be handled no matter where you are.

Even in a predetermined store, the screen operated by the store clerk (operator) allows the user to touch the screen to perform desired settings.

The value added from the electronic money server 2 in the present embodiment is premised on the prior user registration in the electronic money server 2. This is because, unlike the cash (currency) value added at the storefront, how the original fund of the value-added is to be dispatched must be clear beforehand.

An example of the screen shown in FIG. 7 is displayed, for example, on a screen of a PC (personal computer) having a non-contact type reader/writer located in the home.

First, in the "Automatic Value Added Setting" screen, under "1. Please set the scheduling source of automatic bonus funds", "Credit Card", "Bank Account Debit", "Total Phone To Fee" are displayed. .

If there is a method of securing the original funds other than these, it will also be displayed. Then, the user's choice among them is accepted. It is also possible to select a plural among them and set a priority. In addition, if the credit card is selected, the credit card company and credit card number will be requested later. If a bank account debit is selected, the bank name and account number will be requested; if a phone bill is selected, the phone company and phone number will be requested.

In some cases, it will be required to sign a formal contract from an electronic money operation company in the future.

Next, "2. Please set the value of the bonus once". This is a mandatory setting for the Type A method.

This column (the same as "3." or "6." below) is designed as a drop-down menu, and the user can select the amount separately. In addition, it can also be configured to The user enters an arbitrary amount.

Next, the display shows "3. Please set the lower limit of the balance of the balance to start the bonus". This is also a mandatory setting for the Type A method. By setting "2." and "3.", it is set to automatically add the value of "If the value is below X (not full), the value of Y is added".

It will then display "4. I agree to change the conditions set by 2.3. with the status of the checkout".

By making this setting in advance, it is possible to reduce the possibility of being unable to checkout due to insufficient balance of the amount of money when it is desired to avoid "unable to checkout" as much as possible.

If you click "Agree" 500, the detailed setting screen will be displayed. On the other hand, if you click "Disagree" 502, the setting is skipped.

Then, it will display "5. Please set the value of the bonus corresponding to the checkout amount (if there is a setting, the setting of 2.~4. will be cleared)".

This is the setting of the type B method. In this example, the type A mode and the type B mode cannot coexist, so if the type B mode is selected, the type A mode setting is automatically canceled.

However, it is also possible to make the type A mode and the type B mode coexist. For example, it is also possible to set a priority type for each of the checkout terminals 7, and to preferentially select the type to which the checkout terminal 7 is set.

If you click "Settings" 504, the detailed setting screen will be displayed. On the other hand, if you click "Do not set" 506, the setting is skipped.

Next, the display shows "6. Set the upper limit of the amount of the added value for the specified period." These are arbitrary setting items. example For example, it can be set to 1 day, 10,000 rounds, or 1 month, 50,000 rounds.

By setting these in advance, even if the electronic money card 100 is lost, it can be prevented from being added again and again to increase the loss.

The setting button 508 is used to notify the user that the button required for the selected content has been determined. Once the setting button 508 is selected, the checkout terminal 7 stores the content in the general purpose of the electronic money card 100 through the reading and writing unit 139. In the IC module 25 (electronic money storage unit 129). On the other hand, it is transmitted to the electronic money server 2 via the communication line, and is recorded in the automatic bonus setting DB.

The return button 510 is a button for returning to the screen displayed before the automatic bonus setting screen is displayed.

In addition, in the automatic value addition, the communication function of the portable terminal is used to directly access the electronic money server 2, and from the electronic money server 2, the portable terminal receives the amount change (increase) information, and The method of updating (increase) the balance of the value of the general-purpose IC module 25.

By setting the automatic bonus first in this way, it is possible to prevent the checkout due to insufficient balance of the balance at the time of checkout.

Fig. 8 is a flow chart for explaining the procedure of automatic bonusing by the electronic money module 13 of the checkout terminal 7.

The following processing is performed by the CPU 121 of the universal IC module 25 of the electronic money card 100 (or the portable terminal) and the CPU 131 of the checkout terminal 7 in accordance with the application for the electronic money processing and the program for the electronic money module. And proceed.

Further, in the example described here, the general-purpose IC module 25 and the electronic money module 13 of the electronic money card 100 are connected to the receivable data by the read/write unit 139.

First, the electronic money module 13 accesses the general-purpose IC module 25 of the electronic money card 100, and requests the automatic value-added conditional memory stored in the electronic money storage unit 129 (step 40).

On the other hand, the general-purpose IC module 25 transmits the automatic value-added condition, the electronic money number, and the credit card number stored in the electronic money storage unit 129 (step 50).

In the example described herein, automatic crediting is performed by charging a credit card company. Further, here, the credit card number may not be transmitted, but the credit card number registered in the automatic bonus setting DB of the electronic money server 2 may be requested to be made to the credit card company based on the establishment of the electronic money number.

Here, it is assumed that the condition of the automatic bonus to be transmitted is the value of the above-mentioned type A method, if the balance of the amount is below the X circle, the value is Y circle. Specifically, it is assumed that the value is 5,000 points if the balance of the amount is less than 1000 rounds.

Next, the electronic money module 13 requests the general-purpose IC module 25 to send a balance of the balance value (step 60), and the general-purpose IC module 25 sends the balance of the amount at the current point to the electronic money module 13 ( Step 70).

Here, the electronic money module 13 judges using the condition of the automatic bonus obtained in step 40 and the balance of the amount obtained in step 70. Whether the condition of automatic bonus is met (step 80).

Here, assume that the balance of the amount obtained is 800 rounds. Since the balance of the amount is below 1000, it is judged to be in compliance with the condition of the automatic bonus set (step 80; Y). Further, when the automatic value-added by the electronic money module 13 is performed, the expiration date check of the credit card, the blacklist check, and the like are performed on the electronic money server 2 later, and therefore, the check can be performed here. In addition, if the automatic addition of N times (N-type suitable natural number) or more is performed within a certain period of time, the automatic addition value is set to be impossible.

Then, the electronic money module 13 generates the amount change information necessary for the automatic value addition, and transmits it to the general-purpose IC module 25 (step 90). In this case, the amount is changed, and the balance of the amount is increased by 5000 yuan. On the other hand, if the condition of the automatic addition is not satisfied (step 80; N), for example, if the balance of the amount is 1500 circles, the processing is terminated without automatic addition.

When the delivery of the amount change information is received, the general-purpose IC module 25 performs an amount change process (automatic value addition), and executes a process of increasing the balance of the balance amount by 5000 circles (step 100). Then, after the processing is completed, the amount change (automatic value added) completion information is transmitted to the electronic money module 13 (step 110).

Here, the command group constituting the amount change information will be described. As an example of the command group, it is a data indicating the amount of the added value, a command to obtain the current balance, a command to rewrite the balance to the "current balance + added amount" (overwrite or addition), a rewrite confirmation command, and a log data write. Enter the command.

Thereafter, the electronic money module 13 generates automatic value added log data (step 600).

The generated automatic value-added log data may be sent to the upper terminal 11 at a time, or may be recorded on the electronic money module 13 side before being processed.

The upper terminal 11 transmits the automatic value-added log data to the electronic money server 2 through the communication line 8 for a predetermined period of time.

Upon receipt of this, the electronic money server 2 entrusts the credit card company specified by the credit card number to the collection of the credit granted.

Further, in this example, although it is designed such that the condition of the automatic addition is obtained in step 50, the balance of the amount is obtained in step 70, but the balance of the amount may be acquired first, contrary to the processing.

As can be seen from the flowchart shown in FIG. 8, the electronic money module 13 performs automatic automatic addition when there is no instruction from the upper terminal 11.

Next, the processing procedure of this embodiment will be described with reference to the flowcharts of Figs. 9 to 14 .

First, it is assumed that the automatic addition value set in the general-purpose IC module 25 is of two types of the type A method and the type B method.

The type A method is a type that does not depend on the checkout amount and specifies the conditions and amount of the automatic bonus. It is shown in Fig. 8 that if the balance of the amount is below the X circle, the value is Y. In the automatic value addition of this type A mode, as shown in FIG. 8, the electronic money module 13 is independent of the checkout amount, and is automatically added based on pre-set conditions before the checkout process. value. Therefore, at the time when the checkout process is performed, it is ensured that the balance of the balance value is always above the X circle used for the condition determination of the automatic bonus.

The type B method determines whether or not an automatic bonus is required in accordance with the checkout amount obtained from the upper terminal 11, and dynamically determines the type of the automatic value added when it is determined that the automatic value addition is required. In this type B method, the amount of money necessary for the settlement value to be equal to or higher than the checkout amount at the time of the checkout process is automatically added beforehand, so that the balance cannot be settled because the balance of the balance is insufficient. .

First, the operator (clerk) operates the checkout terminal 7 installed in the real store, and the upper terminal 11 obtains the checkout amount (step 10). Then, when the user (shopper) wishes to checkout in electronic money, the upper terminal 11 enters the checkout by electronic money in response to the operation of the operator (clerk) (step 15; Y). In addition, if you do not enter the checkout due to electronic money (step 15; N), the checkout due to currency or other checkout method will be made in the store.

Then, the upper terminal 11 transmits an amount balance request to the electronic money module 13 (step 20). At this time, the upper terminal 11 also issues an instruction to acquire the status information of the general-purpose IC module 25.

Upon receiving the instruction from the upper terminal 11, the electronic money module 13 first transmits a status information acquisition request of the general-purpose IC module 25 to the general-purpose IC module 25 (step 30). Here, the status information is a negative flag, a flag indicating whether a write error has occurred in the previous transaction, or the like. The information is then sent to the upper terminal 11, and the upper terminal 11 uses it in judging whether or not the electronic money is caused by the checkout. Therefore, in the slave When the upper terminal 11 receives the instruction to acquire the status information, the electronic money module 13 can also perform automatic value addition.

Next, once the general-purpose IC module 25 transmits the status information (step 35), the electronic money module 13 accesses the general-purpose IC module 25, and requests the automatic value-added condition stored in the electronic money storage unit 129 to be sent. (Step 40).

On the other hand, the general-purpose IC module 25 transmits the automatic value-added condition, the electronic money number, and the credit card number stored in the electronic money storage unit 129 (step 50).

In addition, the condition information acquisition request and the automatic value-added condition of the general-purpose IC module 25 can also be integrated into one process and integrated.

Next, the electronic money module 13 requests the general-purpose IC module 25 to send a balance of the balance value (step 60), and the general-purpose IC module 25 sends the balance of the amount at the current point to the electronic money module 13 ( Step 70).

Here, the electronic money module 13 uses the automatic value added condition obtained in step 50 as the type A mode or the type B mode, or whether neither of them is set (step 82).

With this determination, if the automatic addition of the type B method is performed, the process proceeds to step 210 of FIG. Further, if the condition of the automatic addition is not set (both are not present), or the condition of the automatic addition of the type A mode is not satisfied, the process proceeds to step 120.

Then, if the condition of the automatic addition is the type A mode and the condition is met, the electrons are the same as the steps 90 to 110 of FIG. 8 The money module 13 generates the amount change information required for automatic value addition, transmits it to the general-purpose IC module 25 (step 90), receives the payment of the amount change information, and the general-purpose IC module 25 performs the amount change. Processing (automatic bonus), processing of the balance of the balance of the balance value is executed (step 100). Then, after the processing is completed, the amount change (automatic value added) completion information is transmitted to the electronic money module 13 (step 110).

Thereafter, the electronic money module 13 transmits the balance of the amount to the upper terminal 11 (step 120). When the automatic value is not added, the balance of the amount obtained in step 70 is directly transmitted. When an automatic bonus is applied, the balance of the value of the automatically added value, that is, the balance of the already increased amount, is sent. At this time, the status information of the general IC module received in step 35 is also sent.

The upper terminal 11 that has received the delivery of the balance of the balance value compares the checkout amount obtained in step 10 with the balance of the balance value (step 130).

As a result, if the balance of the balance value is less than the settlement amount (step 130; N), since the checkout due to the electronic money cannot be performed, the intention is reported to the user (step 190), and the processing is terminated.

On the other hand, if the checkout by the electronic money is possible (step 130; Y), the upper terminal 11 transmits the checkout amount obtained in step 10 to the electronic money module 13 (step 140).

The electronic money module 13 that has received the delivery of the checkout amount generates the amount change information equivalent to the checkout amount, and transmits it to the general-purpose IC module 25 (step 150). This amount change information will be equivalent to the checkout amount. The amount, the information deducted from the balance of the amount of money memorized by the general-purpose IC module 25.

Upon receiving the amount change information, the general-purpose IC module 25 executes the amount change processing (checkout), and executes the process of decrementing the balance of the balance value and the amount of the checkout amount (step 160). Then, after the processing is completed, the amount change (checkout) completion information is transmitted to the electronic money module 13 (step 170).

Thereafter, the electronic money module 13 notifies the upper terminal 11 of the settlement completion information (step 180).

Then, the upper terminal 11 notifies the user that the checkout is completed, and notifies the user by, for example, issuing a checkout completion sound (step 200).

Thereafter, the user removes the electronic money card 100 from the reading and writing unit 139.

Further, similarly to step 600 of FIG. 8, the electronic money module 13 generates automatic value-added log data.

Next, a processing procedure when the condition of the automatic addition is the type B mode will be described with reference to Figs. 11 to 14 .

In the judgment of step 82 of Fig. 9, when the condition of the automatic addition is the type B mode, the processing proceeds to step 210 of the flowchart shown in Fig. 11.

To perform the automatic bonus of the type B method, it is necessary to obtain the checkout amount from the upper terminal 11 beforehand. Thus, the electronic money module 13 transmits a false balance of the amount to the upper terminal 11 (step 210). This is because, if the balance of the amount obtained in step 70 is directly transmitted, the result of comparison with the checkout amount obtained in step 10 in the upper terminal 11 is feared. Will become unable to checkout.

In each electronic money, for example, an upper limit value of the balance of the amount of 20,000 yen or 50,000 yen is set. Therefore, by taking the upper limit of the balance value as a false balance of the amount, it is possible to prevent the judgment of the step 220 from becoming uncheckable.

In addition, the subsequent automatic bonus may be considered, and the sum of the upper limit of the amount that can be automatically added to the current balance of the balance may be sent as a false balance.

Then, the upper terminal 11 that has received the false balance of the balance value compares the checkout amount obtained in step 10 with the balance value of the fake amount to determine whether it is checkable (step 220). The balance of this amount is the value added to the current balance of the value, so there is a high probability that the balance can be settled.

If the result of the determination is checkable (step 220; Y), the upper terminal 11 transmits the checkout amount obtained in step 10 to the electronic money module 13 (step 230). On the other hand, if the result of the determination is that the checkout cannot be performed (step 220; N), the upper terminal 11 notifies the user of the inability to check out (step 350).

The electronic money module 13 that receives the checkout amount temporarily memorizes the checkout amount (step 240).

Here, the electronic money module 13 determines whether or not retry processing is required (step 250).

The so-called retry processing is to send an error message, and re-process the processing again in a series of transactions. Here, the so-called retry processing is a must The case is as follows when the upper terminal 11 memorizes the amount of the false balance value sent in step 210. If the false balance of the balance is memorized, it will not match the balance of the amount when the actual automatic value is added.

Therefore, it is necessary to perform a retry process to eliminate the balance of the amount of the fake value that was once sent. If the retry process is necessary (step 250; Y), the process of the flowcharts shown in Figs. 13 and 14 is entered.

On the other hand, if the host device 11 is of a type that does not memorize the false balance value sent in step 210 (that is, if only the false balance value is used in the judgment of step 220), then The retry process is not required (step 250; N), and the electronic money module 13 generates the amount change information required for the automatic bonus based on the checkout amount memorized in step 240. Here, the method of generating the amount change information may be, for example, the following method.

(1) The value obtained by (checkout amount) - (value balance), that is, the minimum amount required for the checkout, is automatically added.

(2) Automatically add the checkout amount directly. This will make the balance of the balance still not change after the checkout.

(3) The automatic value addition makes the balance of the balance value after the settlement becomes the set value.

Explain the specific example, assuming that the checkout amount is 1100 rounds, the balance of the value is 800 rounds, and the set value of the balance of the balance is 1000 rounds.

In the case of (1), 1100 round-800 rounds, and 300 rounds of amount change information is generated and automatically added.

In the case of (2), the amount of change information of 1100 rounds of the checkout amount is generated and the automatic value is added.

(3) Generate a checkout amount of 1100 rounds + (a set value of 1000 rounds - a balance of the amount of 800 rounds) = 1300 rounds of amount change information and perform automatic bonus.

Thereafter, the amount change information generated in step 260 is transmitted to the general-purpose IC module 25 (step 270). Upon receiving the delivery of the amount change information, the general-purpose IC module 25 performs an amount change process (automatic value addition), and executes a process of increasing the balance of the balance amount (step 280). Then, after the processing is completed, the amount change (automatic value added) completion information is transmitted to the electronic money module 13 (step 290).

Thereafter, the electronic money module 13 generates the amount change information based on the checkout amount stored in step 240, and transmits the amount change information to the general-purpose IC module 25 (step 300). This amount change information is equivalent to the amount of the checkout amount, which is deducted from the balance of the value stored in the general IC module 25.

Upon receipt of the amount change information, the general-purpose IC module 25 performs a process of changing the amount of money (checkout), and executes the process of deducting the amount of the balance of the balance amount and the amount of the checkout amount (step 310). Then, after the processing is completed, the amount change (checkout) completion information is transmitted to the electronic money module 13 (step 320).

Thereafter, the electronic money module 13 notifies the upper terminal 11 of the checkout completion information (step 330), and erases the checkout amount memorized in step 240 (step 340).

Then, the upper terminal 11 will perform the checkout completion to the user. The notification is made, for example, by issuing a checkout completion tone (step 360).

Thereafter, the user removes the electronic money card 100 from the reading and writing unit 139.

Further, similarly to step 600 of FIG. 8, the electronic money module 13 generates automatic value-added log data.

Next, the processing procedure at the time of the retry processing will be described with reference to the flowcharts of FIGS. 13 and 14.

First, the electronic money module 13 sends an error message ‧ retry request (step 410) to request that the checkout process be performed again. The retry process does not end the series of checkout processing and then resume processing, but maintains a series of checkout processing while processing the processing. In this case, the user of the electronic money card 100 only needs to keep the electronic money card 100 on the machine, and it is not necessary to bring the electronic money card closer to the read/write unit 139.

When the retry request is accepted, the upper terminal 11 performs error processing (step 420). Specifically, the false balance value sent in step 210 is erased, and the process is re-processed from the beginning without first ending.

First, the upper terminal 11 transmits an amount balance request to the electronic money module 13 (step 430).

Receiving the balance of the balance request, the electronic money module 13 generates the amount change information required for the automatic bonus based on the checkout amount stored in step 240 (step 440). Here, the method of generating the amount change information is the same as the example described in step 260.

Thereafter, the amount change information generated in step 440 is transmitted to the general-purpose IC module 25 (step 450). Upon receiving the delivery of the amount change information, the general-purpose IC module 25 performs an amount change process (automatic value addition), and executes a process of increasing the balance of the balance amount (step 460). Then, after the processing is completed, the amount change (automatic value added) completion information is transmitted to the electronic money module 13 (step 470).

Thereafter, the electronic money module 13 transmits the automatically added value balance to the upper terminal 11 (step 480).

The upper terminal 11 that has received the delivery of the balance of the balance value compares the checkout amount obtained in step 10 with the balance of the balance value (step 490).

Since the automatic bonus is performed based on the checkout amount in steps 450 to 470, as long as the automatic bonus is normally completed, the balance of the balance is not insufficient here. Even if the balance of the balance value is less than the settlement amount (step 490; N), since the checkout due to the electronic money cannot be performed, the intention is reported to the user (step 560), and the processing is terminated.

On the other hand, if the checkout by the electronic money is possible (step 490; Y), the upper terminal 11 transmits the checkout amount obtained in step 10 to the electronic money module 13 (step 500).

The electronic money module 13 that has received the delivery of the checkout amount generates the amount change information equivalent to the checkout amount, and transmits it to the general-purpose IC module 25 (step 510). The electronic money module 13 receives the checkout amount in step 230, and thus becomes the second reception. This amount change information will be equivalent to the amount of the checkout amount, which is remembered from the general IC module 25. Information on the deduction of the balance of the value.

Upon receipt of the amount change information, the general-purpose IC module 25 executes the amount change process (checkout), and executes the process of decrementing the balance of the balance amount and the amount of the checkout amount (step 520). Then, after the processing is completed, the amount change (checkout) completion information is transmitted to the electronic money module 13 (step 530).

Thereafter, the electronic money module 13 notifies the upper terminal 11 of the settlement completion information (step 540). Thereafter, the remembered checkout amount is eliminated (step 550).

Then, the upper terminal 11 notifies the user that the checkout is completed, and notifies the user by, for example, issuing a checkout completion sound (step 570).

Further, similarly to step 600 of FIG. 8, the electronic money module 13 generates automatic value-added log data.

According to the processing shown in FIG. 11 to FIG. 14, it is not necessary to change the processing procedure of the upper terminal 11, and the automatic value can be added based on the settlement amount.

Next, the processing procedure when the condition for automatic value addition is changed as the checkout progresses is described with reference to the flowchart of FIG.

First, the operator (clerk) operates the checkout terminal 7 installed in the real store, and the upper terminal 11 obtains the checkout amount (step 10). Then, when the user (shopper) wishes to checkout in electronic money, the upper terminal 11 enters the checkout by electronic money in response to the operation of the operator (clerk) (step 15; Y). If you do not enter the checkout caused by electronic money (step 15; N), then the currency will be concluded in the store. account.

Then, the upper terminal 11 transmits an amount balance request to the electronic money module 13. At this time, information about the distinction of the upper terminal 11 is also transmitted (step 22). In this example, although the information about the distinction of the upper terminal 11 is transmitted from the upper terminal 11, the distinction can be made in advance in the electronic money module 13, and it is not necessary to transmit every time the checkout is made.

Here, the information about the division is, for example, the upper terminal 11 is a ticket inspection machine installed at a railway station, a meter installed in a bus, and a shop terminal in the station. When the checkout program is stopped, the upper terminal 11 which is set not only to the user but also to other users, is classified into such a distinction.

Further, the information on the time may be added, for example, to the morning commute peak time.

Further, there is a distinction between the upper terminals 11 which are classified as having a relatively high average checkout amount. Specifically, it is a shop with a relatively high customer unit price, such as a family restaurant, which has a plurality of names, and the representative who performs the checkout in batches.

By assigning this to the electronic money module 13 together with the intention to distinguish the upper terminal 11 together with the balance value requirement, or to change the memory in the potential electronic money module 13, the automatic value can be changed. Conditions (increasing the threshold or increasing the amount of the bonus 1 time), try to prevent the checkout due to insufficient balance.

Receiving this, the electronic money module 13 performs the same processing as step 30 to step 70 of FIG. 9. In step 50, the condition for automatic value addition and whether the condition can be changed are obtained. In step 70, the value is obtained. Balance.

Then, the electronic money module 13 determines whether or not the condition change of the automatic addition is necessary (step 75).

Specifically, if it is the ticket inspection machine of the station, the threshold for starting the automatic value addition is changed from 1000 round to 2000 round, and if the shop price is relatively high, the added amount is changed from 5000 round to 10000 round.

When it is determined that the conditional change of the automatic addition is necessary (step 75; Y), the condition of the automatic addition is changed (step 78), and it is judged whether or not the condition of the automatic addition after the change is satisfied (step 80). On the other hand, if it is determined that the condition of the automatic addition is not necessary (step 75; N), the condition of the automatic addition is not changed, and it is judged whether or not the condition of the automatic addition is satisfied (step 80).

Then, if the condition of the automatic addition is met (step 80; Y), an automatic addition is performed (steps 90 to 110). On the other hand, if the condition of the automatic addition is not met (step 80; N), the process proceeds to step 120.

Subsequent processing is the same as steps 120 to 200 of FIG.

According to the processing shown in this embodiment, the condition of the automatic value addition is changed in accordance with the information of the distinction of the upper terminal 11, so that the possibility that the checkout program is stopped due to the insufficient balance of the balance value can be further reduced.

Then, from the upper terminal 11 at the beginning of the checkout process The processing procedure when the checkout amount is notified will be described with reference to the flowcharts of Figs. 16 and 17 .

First, the operator (clerk) operates the checkout terminal 7 installed in the real store, and the upper terminal 11 obtains the checkout amount (step 10). Then, when the user (shopper) wishes to checkout in electronic money, the upper terminal 11 enters the checkout by electronic money in response to the operation of the operator (clerk) (step 15; Y). If you do not enter the checkout due to electronic money (step 15; N), the currency will be settled in the store.

Then, the upper terminal 11 transmits an amount balance request to the electronic money module 13. At this time, the checkout amount obtained in step 10 is also sent (step 24).

Receiving this, the electronic money module 13 performs the same processing as step 30 to step 70 of Fig. 9. In step 50, the condition for automatic value addition is obtained, and in step 70, the balance of the amount is obtained.

Then, it is judged whether or not the condition of the automatic addition obtained in step 50 is the type B mode (step 79). If the condition of the automatic value addition is the type A mode, or the condition of the automatic value addition is not set, since the checkout amount has nothing to do with the process, the process proceeds to step 82 of Fig. 9 to continue the process. However, since the electronic money module 13 has already obtained the checkout amount, it is not necessary to transmit the balance of the amount to the upper terminal 11 (step 120), but to judge whether or not the check is possible (step 130).

On the other hand, if the automatic bonus is of the type B mode (step 79; Y), it is determined whether the condition of the automatic bonus is met (step 88), If it is met (step 88; Y), an automatic addition is performed (steps 90 to 110).

After the automatic value addition is completed, or if the automatic value addition condition is not met (step 88; N), the check processing of steps 150 to 200 is entered.

In addition, after the automatic value addition in step 110 is completed, the balance of the balance value may be transmitted to the upper terminal 11, and the judgment of the checkout in step 130 of FIG. 10 may be performed on the upper terminal 11 side.

In the processing shown in FIG. 16 and FIG. 17, in the step 24, the electronic money module 13 has obtained the checkout amount. Therefore, when it is judged that the condition of the automatic bonus is met in step 88, the automatic bonus is not immediately performed. The amount of the automatic bonus is subtracted from the checkout amount, and the balance is rewritten to the balance of the general-purpose IC module 25 in one time.

In the specific example, if the checkout amount is 1100 rounds and the bonus amount is 300 rounds, the amount change information for deducting the balance of the amount of 800 rounds is generated by 1100-300.

In addition, when the checkout amount is 1100 rounds, the bonus amount is 1300 rounds, and 1300-1100, the amount change information for increasing the balance of the amount of 200 rounds is generated.

By transmitting the amount change information thus generated to the general-purpose IC module 25, the amount balance can be rewritten with one processing, and the possibility that the checkout processing due to the writing error is completed can be reduced.

However, the added log data and the checkout log data are respectively written into the general-purpose IC modules 25. This is to make the history of the amount of the acquisition Become clear.

Further, the added log data and the posted log data are generated and transmitted to the electronic money server 2 by the upper terminal 11 in batch processing. This is also to make the history of the amount of money clear.

In the processing procedure shown in FIG. 9, the balance of the amount in the step 20 from the upper terminal 11 is requested to be transmitted, and when received by the electronic money module 13, it is used as a trigger to determine whether or not the automatic value is available. However, the balance of the amount in step 20 is required to be sent, sometimes it is not based on the checkout, but simply to confirm the balance of the balance.

Therefore, the balance of the balance of the step 20 is required to be sent, and a flag indicating that the checkout process is premised is attached, and the automatic addition can be judged only if the flag is attached. This allows automatic additions to be made only before the checkout is made. Therefore, for example, in the real store, the value is exchanged by currency exchange, and when the balance of the amount is confirmed, automatic value addition can be prevented.

In the embodiment described above, the electronic money is widely used in the real society, but the present invention is not limited thereto.

For example, it can also be applied to a system of an IC that can only be utilized in a specific amusement facility. That is, the amount of virtual beads and tokens (which can be regarded as (electronic) value) is stored in the IC card, and when it is used, automatic value addition based on certain conditions can be prevented as much as possible. Because of the lack of virtual beads and tokens, it is impossible to participate in games.

1‧‧‧ Electronic money system

2‧‧‧Electronic money server

7‧‧‧Checkout terminal

8‧‧‧Communication lines

11‧‧‧Upper terminal

13‧‧‧Electronic money module

25‧‧‧General IC Module

100‧‧‧Electronic currency card

139‧‧‧Reading and writing department

300‧‧‧ Credit card company server

Claims (14)

A receiving device characterized by comprising: a reference means for determining a comparison result based on a comparison between a payment degree and a remaining degree if a normal condition for supplementing a remaining degree of an electronic amount value stored in the payment device is satisfied The remaining degree sent by the instruction device of the payment availability is referred to the request, and the remaining degree of surplus obtained from the payment device is added to calculate the remaining degree of the added degree, and the change means is responded to according to the pre-recorded The surplus degree after the addition is determined as the remaining degree change request sent by the pre-recording instruction device, and the remaining degree stored in the pre-payment device is changed so that the remaining degree after the payment becomes the remaining after the addition. The degree is subtracted from the value after the payment degree. The receiving device according to claim 1, wherein the pre-recording reference means determines whether or not the pre-recording normal condition is satisfied after the pre-recorded remaining degree reference request is accepted. The receiving device according to claim 1 or claim 2, wherein the pre-recording normal condition is that the pre-recorded remaining degree is determined to be at least the payment device if the remaining degree is less than or equal to a predetermined threshold value of the pre-payment device Supplementing a condition for pre-specifying the amount of replenishment before; further comprising: means for supplementing, if the pre-recording normal condition is satisfied, changing the remaining degree of memory stored in the pre-payment device, so that the remaining degree after replenishment becomes the remainder after the pre-addition Degree; pre-reference means, refer to the requirement for the remaining degree of the former, will be The remaining number of credits obtained by the payment device is responded to. The receiving device according to claim 3, further comprising: a correction means for classifying the predetermined threshold value and the preceding payment means in accordance with the distinction between the instruction means specified by the data acquired from the pre-recording means At least one of the pre-requisite supplements is pre-defined to be corrected upwards. The receiving device according to claim 4, wherein the pre-recording correcting means is configured to increase at least one of the pre-recorded threshold and the pre-replenishment degree only when the pre-recording normal condition is determined to be included in the predetermined time zone. Corrected. The receiving device according to claim 1 or claim 2, further comprising: generating means for indicating that the remaining number of memories has been changed by the pre-recording means The amount of the log is added to the deposit log of the pre-recorded replenishment, and the debit log data indicating that the pre-recorded replenishment has been subtracted from the pre-recorded replenishment. The receiving device according to claim 6, further comprising: a writing means for writing the deposit log data and the withdrawal log data generated in the preceding note to the payment device. The receiving device described in the claim 1 or the request item 2, wherein the pre-recording reference means replaces the pre-recording normal condition only when the pre-recording degree is available, and determines whether the special condition is satisfied or not. If the remaining degree of the previous record is insufficient relative to the payout degree, it is determined that at least one must be added before the degree of the deficit. Note the number of replenishment; also has: supplementary means, when the special conditions of the pre-recording are satisfied, the remaining degree of memory stored in the pre-payment device is increased by at least one pre-replenishment quantity; the pre-recording means refers to the requirement of the remaining degree of the pre-recording, Respond to the remaining degree of surplus obtained from the previous payment device. The receiving device described in the claim 1 or the request item 2, wherein the pre-recording reference means replaces the pre-recording normal condition only when the pre-recording degree is available, and determines whether the special condition is satisfied or not. If the remaining degree after the addition of the pre-recording is insufficient relative to the paying degree, it is determined that at least one amount of the pre-replenishment degree corresponding to the degree of the deficiency is necessary; and the supplementary means is provided when the special condition is satisfied. The remaining degree of memory stored in the pre-payment device is increased by at least one pre-replenishment amount; the pre-recording reference means, in response to the pre-remaining degree reference requirement, the remaining degree of replenishment obtained from the pre-payment device is responded. The receiving device described in the claim 8 or the claim 9, wherein the pre-recording means is a payment added to the pre-remaining degree change request only when there is no memory payment degree in the holding means for temporarily holding the data. The degree is maintained by the holding means, and a return error is requested for the remaining degree change in order to receive the pre-remaining degree reference request from the pre-recording device again; In the pre-recording reference means, only when there is a memory payment degree in the pre-recording means, the payment degree is used to determine whether or not the pre-recording special condition is satisfied, and the payment degree is deleted from the holding means. The receiving device according to claim 2, wherein the pre-recording means determines that the remaining degree is changed after the remaining degree reference request is referred to the content of the request or the data added thereto based on the remaining degree of the remaining degree. In the case of the remaining degree, the remaining degree is added to the remaining degree of the previous payment device instead of the remaining degree after the addition. The receiving device according to claim 1, further comprising: means for replenishing, wherein the remaining amount of memory stored in the pre-payment device is changed when the pre-remaining degree change request is added to the pre-recorded degree of payment, Therefore, the remaining degree after the supplement is not lower than the payout degree; the pre-recording means is to change the remaining degree of memory stored in the pre-payment device, so that the remaining degree after payment becomes the pre-replenishment remaining degree minus the pre-payment degree After the value. A method for controlling a receiving device includes: a reference step of determining a normal condition for supplementing a remaining amount of electronic value stored in the payment device, and determining from a comparison result between the payment degree and the remaining degree The remaining degree sent by the indicating device of the payment availability is determined by referring to the requirement, and the remaining degree of surplus obtained by the payment device is added to calculate the remaining degree of the added degree; and The change step is to change the remaining degree of memory stored in the pre-payment device from the remaining degree change request sent by the pre-recording device determined to be payable according to the remaining degree of the response in response to the pre-record, so that after the payment is made The remaining degree is a value obtained by subtracting the pre-payment degree from the remaining degree after the addition. A program for causing a computer to implement: a reference function, if it satisfies a normal condition that supplements the remaining degree of the electronic value stored in the payment device, then determines the result from the comparison between the payment degree and the remaining degree The remaining degree sent by the indicating device of the payment availability is referred to the request, and the remaining degree of surplus obtained by the payment device is added to calculate the remaining degree of the added degree, and the change function is responded to according to the pre-record. The surplus degree after the addition is determined as the remaining degree change request sent by the pre-recording instruction device, and the remaining degree stored in the pre-payment device is changed so that the remaining degree after the payment becomes the remaining after the addition. The degree is subtracted from the value after the payment degree.