WO1998014920A1 - Processeur pour monnaie electronique et procede correspondant - Google Patents

Processeur pour monnaie electronique et procede correspondant Download PDF

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Publication number
WO1998014920A1
WO1998014920A1 PCT/JP1997/003501 JP9703501W WO9814920A1 WO 1998014920 A1 WO1998014920 A1 WO 1998014920A1 JP 9703501 W JP9703501 W JP 9703501W WO 9814920 A1 WO9814920 A1 WO 9814920A1
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WO
WIPO (PCT)
Prior art keywords
electronic currency
currency
card
electronic
input
Prior art date
Application number
PCT/JP1997/003501
Other languages
English (en)
Japanese (ja)
Inventor
Masayuki Ohki
Atsuhiko Urushihara
Toshiyuki Utsuki
Kotaro Yamashita
Original Assignee
Hitachi, Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hitachi, Ltd. filed Critical Hitachi, Ltd.
Publication of WO1998014920A1 publication Critical patent/WO1998014920A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • the present invention relates to an electronic currency processing machine having at least a function for depositing an electronic currency into an electronic currency force, and a method of operating the same.
  • the IC card used in this system includes a microphone processor having a communication function therein and a memory having a storage function for storing a processing program and a balance of electronic currency (non-volatile memory, for example, (A memory such as an EEPROM).
  • a memory such as an EEPROM
  • IC cards use terminals provided in banks, shops, public institutions, private residences, etc. via an electronic currency system that can be connected arbitrarily via communication lines, and use dedicated terminals By doing so, it is possible, for example, to exchange electronic currencies with other IC cards.
  • the electronic currency system proposed above is still under development, as it has not yet been determined what functions and forms should be provided for each component of the system. In the future, the child currency system will be established by various proposals, and will play an important role in people's lives. Currently, people use cash and withdraw the required cash from banks. The use of cash has several problems. To gold Instead, the use of electronic currency may solve some of the problems of using cash.
  • an e-currency processor that stores currencies sent from currency remittance sources, such as banks, in an e-currency power source is required.
  • An object of the present invention is to provide an electronic currency processing machine suitable for storing currency sent from a currency remittance source in an electronic currency force.
  • the currency sent may be a normal currency issued by the country, or if the country controls the issuance of the electronic currency, the controlled electronic currency It may be. This is a government policy and the present invention can be used technically for both. Disclosure of the invention
  • the object is to provide an electronic currency card having at least a function of storing currency amount information, an input means, and a display means.
  • the display means is arranged above the input means, and the operation procedure instruction means is arranged beside the input means. This will be achieved.
  • the electronic communication processor 2li is provided with an opening / closing mechanism having a key function, for exchanging information with the electronic communication input inside the processor.
  • a communication circuit for exchanging information with the reader / writer of the device and the outside is provided, and when an operation to release the key function of the mechanism is performed, a signal indicating this operation is transmitted as described above. This is achieved by being sent from the circuit to a designated contact.
  • an electronic currency processing machine wherein an opening and closing mechanism having a key function is provided, and inside the processing machine, information is exchanged with the electronic currency force.
  • a communication device for exchanging information with an external reader / writer is provided, and if the above-mentioned opening / closing mechanism is operated without releasing the key function of the above-mentioned opening / closing mechanism, this operation is performed. This is achieved by sending a representative message to a designated contact and issuing an alarm.
  • the object is to provide a detector and an alarm for detecting an installation state of the electronic currency processing machine, and to operate the electronic currency processing machine when the electronic currency processing machine is moved.
  • the present invention is attained by connecting the detector and the alarm with each other, and providing input means for performing an operation for stopping the operation of the alarm.
  • an electronic currency processing method for storing a sent currency in an electronic currency card, wherein an operation for specifying a bank account of a withdrawal source is performed. This is achieved by withdrawing the currency from the bank account and depositing it into the electronic currency card.
  • Fig. i is an external view of a wall-mounted electronic communication processor according to the present invention
  • Fig. 2 is an external view of a stationary electronic communication processor according to the present invention
  • Fig. 3 is an external view of the present invention.
  • FIG. 4 is a diagram of an embodiment of an electronic currency processor according to the present invention
  • Fig. 5 is a detailed diagram of a display device and an input device according to the present invention
  • Fig. 6 is an operation guidance according to the present invention.
  • FIG. 7 is a control circuit diagram of the electronic currency processing machine according to the present invention
  • FIG. 8 is a basic configuration diagram of the electronic currency processing machine according to the present invention
  • FIG. 9 is a digital currency processing machine according to the present invention.
  • FIG. 9 shows the fixing method of the processing machine
  • FIG. 10 is an explanatory diagram for explaining replacement of roll paper in the electronic currency processing machine according to the present invention.
  • FIG. 11 is a diagram of another embodiment of a processor for electronic currency according to the present invention
  • FIG. 12 is a diagram of still another embodiment of a processor for electronic currency according to the present invention
  • FIG. 13 is a schematic diagram showing an operation lock of a lock of an electronic currency processing machine according to the present invention.
  • FIG. 14 is a flowchart showing the operation of paying an electronic currency to a bank according to the present invention.
  • FIG. 15 is a flowchart of an operation of withdrawing an electronic currency from a bank according to the present invention.
  • FIG. 16 shows a basic configuration diagram of an electronic currency card according to the present invention.
  • Fig. 1 shows an embodiment in which the through-hole processing machine 120 is fixed to the wall 102
  • Fig. 2 shows the above-mentioned f ⁇ through-hole processing machine 120 on the mounting base 105.
  • the child currency system uses an electronic money bank card with electronic memory to hold the amount in money instead of the actual money. Payment for shopping, etc. is performed by transferring the amount to be paid from the amount held on the electronic money card (the amount held in the electronic currency) to the card of the payee instead of the actual currency.
  • the act of withdrawing currency from banks is a common practice.
  • the amount of e-currency held on the card increases based on the remittance from the bank, thereby performing an action equivalent to withdrawing cash.
  • the act of depositing cash into a bank is common.
  • the amount of e-currency manipulated from the amount of e-currency e-currency is sent to the bank, and the amount of the card held is reduced based on the remittance amount, and the bank's deposit amount is reduced.
  • the act of increasing accordingly is the act of depositing.
  • remittance to another person's account is possible as well.
  • the electronic currency processor 120 shown in FIGS. 1 and 2 enables the withdrawal of the electronic currency, remittance to a bank, and the like. They can be installed in public buildings in the form shown in Figures 1 and 2, or in shops, department stores, and commercial buildings as shown.
  • FIG. 1 is a bank office system
  • 2 is a distribution system
  • 3 is an end user system
  • 4 is a system of public institutions or departments, commercial buildings, etc.
  • 5 is a bank computer center
  • 6 is an electronic currency issuing organization
  • 7 is a public communication network
  • 10 is an electronic exchange force.
  • 1 1 is an external IC power reader / writer
  • 1 2 is a terminal terminal
  • 13 is an internal communication line
  • 14 is an automatic payment machine
  • 15 is a child money machine
  • 16 is an automatic payment machine.
  • Child currency transaction control terminal, 17 is relay Computer
  • 21 is a P0S terminal for electronic currency
  • 22 is a POS terminal
  • 23 is a store controller
  • 24 is a center device
  • 25 is an information control system
  • 26 is a workstation.
  • 31 is an electronic wallet
  • 32 is a personal computer
  • 33 is a PC card reader / writer
  • 34 is an IC card phone
  • 51 is an accounting system host
  • 52 is An external connection system
  • 53 is an external control terminal
  • 110 is a control room
  • 120 is an electronic currency processor.
  • the electronic currency system shown in FIG. 3 includes a public communication network 7, a banking business system 1, a distribution system 2 provided in large stores such as department stores and supermarkets, a personal computer 32, and an IC card. It comprises an end-user system 3 having a telephone 34, an electronic currency processing system placed in a public institution to which the electronic currency processing machine 120 is connected via the management room 110, and the like. In the illustrated example, one representative system is shown for each system, and many systems can be connected to the public communication network 7.
  • the bank office system is connected to a bank computer center 5 by a dedicated line or the like, and an electronic currency issuing organization 6 is connected to the bank computer center 5.
  • the IC card 10 includes a microprocessor having a communication function operating as a communication circuit therein, and a non-volatile writable memory for storing a processing program and the balance of the electronic currency, for example, a memory such as an EEPROM.
  • a microprocessor having a communication function operating as a communication circuit therein
  • a non-volatile writable memory for storing a processing program and the balance of the electronic currency
  • a memory such as an EEPROM.
  • a teller terminal 12 and a cash automatic payment machine 14 are connected via an internal communication line 13, and a relay computer It is configured to be connected to the banking computer center via a data center 17, but for electronic currency settlement, an IC card reader Z-writer 11 is provided at the counter terminal 12, and an automatic teller machine
  • the IC card 14 has a built-in IC power reader Z writer, and is connected to an electronic safe 15 via an electronic currency transaction control terminal 16.
  • the bank computer center 5 is composed of an accounting system host 51 and an external system 52.
  • the external system 52 is an external control terminal 53, a relay computer 17 and an electronic safe 15. Is provided.
  • the distribution system 2 is usually configured by connecting a POS terminal to a center device 24 via an internal communication line 13 and a store controller 23.
  • the terminal 22 is provided with an external IC card reader / writer 11 or is configured using an electronic lending POS terminal 21.
  • the center device 24 includes an information control system 25, a workstation 26, and an electronic safe 15.
  • the end user system 3 is mainly a personal user system, and may simply be a child wallet 31 that can easily display the balance of electronic currency in the IC force.
  • the electronic wallet 31 can be provided with a function such as a calculator.
  • the personal computer 32 is provided with a PC type card reader Z writer 33 for personal currency determination in a personal computer to be connected to the public communication network 7.
  • an IC portable telephone 34 provided with a processing function for an IC card 10 for storing electronic money in a normal telephone.
  • the end user system 3 described above.
  • One Sonal Computer By providing two sets of force readers and Z-writers for two IC cards inside the IC card telephone device 34, the IC force telephone Can be used to exchange electronic currencies. As a result, for example, it is possible to perform the same processing as when handling ordinary cash, such as transferring the electronic currency in the master's IC card to the wife's IC card.
  • the electronic currency processing system 4 installed in a public institution, if there is a control room 110 that manages the electronic currency processing machine 120 near the electronic currency processing machine 120, as described above. 20 is connected to the public communication network 7 via the management room, and is connected to a bank connected to the public communication network 7. If there is no management room 110, the electronic currency processor 120 is directly connected to the public communication network 7. In a small-scale system, the electronic currency processor 120 may be connected to a target device or system, for example, a bank office system 1 by a dedicated line instead of the public communication network 7.
  • the IC card 10 is distributed to the banks, shops, vending machines, individuals, etc. participating in the system from the electronic currency issuing organization6, and the banks exchange electronic currencies in exchange for cash that is normally distributed. Receive it and store it in the electronic safe 15 provided in the external connection system 52.
  • the electronic money 15 stores a large number of IC cards 10 therein, and each card 10 distributes and stores the child money received from the electronic money issuing organization.
  • the electronic currencies stored in the IC card 10 in the child sculpture 15 in the circumscribed system 52 are in the bank branch system 1, which is sold to each bank store. It is distributed to IC card 10 in S child money ⁇ 15.
  • IC card 10 Individuals as end users participating in the electronic currency system are Owned IC card 10 and exchanged the deposit of the bank's own account into electronic currency with the window terminal 12 of the bank office system 1 and the automatic teller machine 14 to withdraw. And put it in its own IC card 10.
  • a personal computer 32 with a PC-type reader Z writer 33 or an IC card telephone 34 can be transferred to the bank office system 1 via the public communication network 7.
  • Connect, and then use the electronic currency processor 120 to exchange the deposit of the bank's own account into electronic currency and withdraw it in the same way as described above, and place it in its own IC card 10 Can be stored.
  • the IC card 10 possessed by the individual is transferred to the bank office system via the electronic currency processor 120 by the communication function of the IC card. Connected to IC card 10 in electronic safe 15 in 1. Under the control of the electronic currency transaction control terminal 16, the electronic currency stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is transferred to the IC card owned by the individual. Stored in C10. At this time, the balance of the electronic currency stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is reduced by the amount stored in the IC card 10 owned by the individual. .
  • the amount of the deposit account decreases according to the withdrawal amount, as in the past, and the amount in the IC card 10 is reduced by S based on the withdrawal amount .
  • the electronic currency in the IC card 10 is transferred to the IC card 10 of the electronic money 15 You can return it at the same time and purchase your own account at the same time.
  • the electronic currency held on the user's card 10 is transferred to a card owned by the store / service industry as a consideration. This is the same idea as cash payment.
  • FIG. 4 shows an embodiment of the electronic currency processing machine 120.
  • the difference from FIG. 1 and FIG. 2 is that a handset (receiver set) 180 is provided to enable conversation or to hear instructions from the ear.
  • the electronic currency processing machine 120 is composed of a cover 220 and a main body 240.
  • the cover 220 is provided with a concave portion 130 on one side, a display device 132 is disposed above the concave portion 130, and an input device 134 is disposed below the concave portion.
  • Providing the display device 132 and the input device 134 in the recess 130 has the effect of making it difficult for others to see personal information, especially the amount of currency in the card.
  • the operation status is made difficult to see from the surroundings, it is effective to make it difficult for others to input the personal ⁇ and other symbols related to the safety of the card.
  • the display is effective.
  • a card 1 entrance 160 is provided under the recess 130. Among them The center is provided with a notch 162 for easy entry and removal of force.
  • an operation guidance display section 250 is arranged on the other side of the cover 220. Since the operation guidance is displayed on the operation guidance display section 250 according to the operation state of the electronic currency processing machine 120 in the present embodiment, even an unskilled person can easily operate the apparatus, and also can prevent an operation error. .
  • a detailed paper discharge port 170 which is an outlet for printed paper.
  • the detailed paper discharge port 170 is provided below the operation guidance display section 250, so that when the operation according to the instruction of the operation guidance display section 250 proceeds, the detailed paper discharge port 170 Since the paper with the statement printed comes out, you can feel a sense of unity with the operation, and it is easy for people who are unfamiliar with the operation, children, the elderly, and people with inexperienced eyes to operate it, and the operation results are clearly shown. This has the effect that the statement sheet can be taken without errors.
  • a surveillance camera 340 is provided at the upper center of the electronic currency processing machine 120, and constantly sends the surroundings of the device to the management room 110 and bank branches. These images are recorded and used to prevent crime and respond to contingencies.
  • the handset 180 consisting of a handset is provided, it is also possible to transmit information from the ear for the purpose of making it accessible to the visually impaired. In addition, it becomes possible for a person with a malfunction or poor operation to operate while talking with the manager.
  • the details of the display device 132 and the input device ft134 are shown in FIG.
  • the display device 1332 is made of a liquid crystal display element, and is controlled by a computer which is mounted inside the display iffi.
  • the input device 1 3 4 has function keys 1 3 5, 1 3 6, 1 3 7, 1 3 8, 1 3 9 and keys from zero to 9 indicating numbers and operation keys 1 4 0, 1 4 1 and 1 It consists of 42 and so on.
  • Function keys 1 3 5 instruct the operation of withdrawing the currency from the bank account and depositing it into force.
  • Function keys 1336 direct the operation of remitting electronic currency held in force to a bank account or other designated party.
  • Function keys 1 3 7 are used to instruct an operation to check the balance of the bank account.
  • This function key can be used to confirm the amount of a bank account after or before depositing and withdrawing with the function keys 13 5 and 13 36.
  • the function key 1338 is used to issue a deposit or withdrawal of a card, which is a history of force, ie, instructs an operation for printing and outputting a history of use of the IC card 10.
  • Function keys 13 9 are used to determine whether to permit the withdrawal of electronic currency from the card. Power
  • the operation key 140 is a key to delete or cancel the entered information when there is an error in inputting a number or the like.
  • the operation key 14 1 is a key for giving an instruction to stop the operation or the transaction.
  • the operation keys 1 and 4 2 confirm the end of the input for each step, and instruct the computer to transmit the input information to the next step in order to proceed to the next step.
  • FIG. 6 shows the details of the operation guidance control section 250 of the electronic commuter transfer machine 120.
  • a person hereinafter referred to as a user who wants to operate the electronic currency processing machine 120 approaches, the display section 252 shown in FIG. You will be prompted to insert a force.
  • the display section 254 lights up and the bank name is displayed on the display device 132.
  • the operation key 14 may be operated for confirmation to proceed to the next step.
  • the display unit 256 lights up, and indicates what to do with the bank by selecting from the function keys 135 to 1337.
  • the process takes time and does not give the user anxiety.
  • the display unit 264 lights up, and the force comes out of the force outlet 160.
  • the force is taken out according to the instructions on the display unit 26-4, and the operation is terminated. If an error occurs during the above operation, the display unit 266 lights up, and the occurrence of the error is displayed.
  • FIG. 7 shows a control circuit 300 of the electronic currency processing machine 120.
  • the digitizer computer 310 is composed of a central processing unit 312, a random access memory 314, a read-only memory 316, an analog-to-digital conversion circuit 318, an SC1 and a port. It consists of an input / output port 320 consisting of a remote controller and a communication port 324.
  • the central processing unit 312 bus has a display unit 132, an operation guidance display unit 250, and a cover lock that allows opening and closing from the main body 240 of the cover 220.
  • a circuit 334, a mounting sensor 336, a buzzer 338 for alarm, a camera 340, and a power monitoring reset circuit 322 are connected.
  • the printer 330 is connected to the input / output port 320 described above.
  • a sensor 332 for detecting the temperature of the printer 330 is provided, and the temperature of the printer 330, which is the output of the sensor, is taken into the computer by the analog-to-digital converter 318.
  • the input device 134 is connected to the input / output port 320.
  • Force reader / writer 328 is also connected to the input / output port.
  • a communication modem 326 for exchanging information via a public line or a dedicated line is connected to the communication port 324.
  • FIGS. 8 (a), 8 (b) and 8 (c) show the basic configuration of the processor 120 for the child iffi.
  • the display device 13 2, the input device S 13 34, and the operation guidance display portion 250 are arranged on the surface of the cover 220.
  • An operation guidance display section 250 is attached inside the cover 220, and further back (rear),
  • a main substrate 300 having a display device 132 and an input device 134 and a circuit shown in FIG. 7 is mounted.
  • a camera 340 is attached to the upper inside of the cover 220.
  • the main body 240 of the electronic currency processing machine 120 has sheet roll paper 362, a printer 340, a card reader, a Z writer 328, and a communication modem 326. Power supply 3 4 2 with battery is installed.
  • the sheet roll paper 362 will be described later in more detail. Due to the arrangement of these devices shown in Fig. 8 (a), Fig. 8 (b) and Fig. 8 (c), the electronic currency processing machine 120 is small, lightweight and easy to maintain. There is a certain effect.
  • FIGS. 9 (a) and 9 (b) show the mechanism for opening the cover 220 of the electronic currency processor 120 from the main body 240 and the mounting mechanism of the electronic currency processor 120. Will be explained.
  • FIGS. 9 (a) and 9 (b) show the internal printer 330, card reader Z 2 and 6 are omitted.
  • the main body 240 of the electronic currency processing machine 120 is fixed to a wall or a mounting table.
  • the table 282 is fixed to the installation surface by screws 288, and the main body 240 is fixed to the table 282.
  • the table 282 is provided with a hook 284, and the rear of the main body 240 is hooked. Hook 240 is fixed to stand 282 by hook 284 and screw 290.
  • One hook 284 and one screw 290 are shown as a representative for fixing the main body 240 to the base 282, but it is preferable to use a plurality of these. You can also install them with just screws.
  • An attachment sensor 3336 is provided at
  • Table 2 8 2 Is fixed to the installation surface 280 of the installation stand and cannot be separated, so the attached sensor 1336 detects that the main body 240 has been removed from the installation stand.
  • the main body 240 is fixed via the base 282.
  • the main body 240 may be directly fixed to the installation base without using the base 282.
  • the attachment sensor 3336 detects removal from the installation base as described above.
  • Fig. 9 (a) and Fig. 9 (b) show the main body 240 fixed to the installation table shown in Fig. 2, but the main body 240 is mounted on the wall as shown in Fig. 1. It may be fixed. In this case, the rear portion, not the bottom portion, of the main body 240 is fixed directly to the installation surface or to the wall via a fixing plate corresponding to the base 282. In this case, the attached sensor 1336 is provided at the rear of the main body 240. Attachment will use screws and hooks as in Fig. 9 (a) and Fig. 9 (b).
  • Fig. 9 (a) and Fig. 9 (b) the opening and closing of the cover 22 will be described.
  • the computer shown in FIG. 7 is provided on the main board 300 together with the input device 134 and the display device 132. Unauthorized operation of the electronic currency processor 120 can lead to the retrieval of stored histories or unauthorized transactions.Therefore, only the parties concerned can open the cover 220. It is necessary to give consideration to the situation. Therefore, the # mark key of the input device 1 3 4 is operated.
  • the display unit iKl32 issues a function number input instruction. Enter a symbol indicating a request to release the lock mechanism 335 according to the instruction. Next, the display unit 1332 displays a request for input of a jury number.
  • the cover lock circuit 3 34 shown in FIG. 7 is activated, and the lock mechanism 3 3 5 key is released. Is done.
  • the cover 220 can be opened by the hinge 286. If the cover 220 is forcibly opened, an excessive force is applied to the lock mechanism 335 to detect the force, and the digital computer 310 sends a command to the buzzer-338, and the buzzer 3 3 8 emits an audible alarm.
  • FIG. Hippo -A recess 382 is provided over a large area in the upper front of the 220.
  • the recess 382 aims at the same effect as the recess 130 described above.
  • the bottom portion 384 of the recess 382 has a display device 386 having one sensor layer. In this device, a touch sensor that can detect the position of a finger or the like when approaching or touching the display surface, which is the surface of the liquid crystal display device, is covered.
  • the display contents of the display device 3886 having the touch sensor layer changes according to the use state of the electronic currency processor 120 and the purpose of use.
  • Fig. 11 shows a display in which the amount has been entered in accordance with the input instruction of the electronic currency withdrawal amount.
  • An operation guidance display section 3888 is provided above the display apparatus 3886 having the evening sensor layer, and an instruction of a withdrawal amount from the bank account is displayed.
  • the display purpose of the operation guidance display section 3888 is for easily instructing the operation, and is the same as that of the operation guidance display section 250 of the embodiment.
  • the operation keys for inputting according to the guidance are displayed below the guidance display according to the contents of the guidance.
  • numeric keys 392 are displayed as input keys, and the correction keys 3904, the confirmation keys 3996, and the transaction stop key 398 are displayed as operation keys.
  • Numeral keys 392 are keys for inputting numbers such as the amount of money, and the numeral keys to which the hand is moved are selected, and the numbers are displayed in the input information display section 390. If there is an error in the number input, correct it with the correction key 3 94.
  • the confirmation key 3996 is operated, whereby the step according to the indication of the operation guidance display section 3888 is completed. The operation of the next step is displayed in the operation guidance display section 3 8 8. The operation is performed in this manner. If you want to cancel the transaction, operate the key 998.
  • Fig. 4 The same quote numbers as the child currency processing machine 120, 170, 160 and 162 are the same. As in FIG. 4, a handset set 180 may be provided.
  • the display of the operation guidance display section 388, the input information display section 390, and the operation keys can be enlarged, making them easy to see and operate.
  • the necessary input keys and operation keys are displayed in accordance with each operation step, and unnecessary key displays can be deleted, thus preventing malfunction.
  • the numeric keys 392 and operation keys, which are input keys are arranged below the operation guidance display section 3 8 8, operations and inputs can be performed without moving the line of sight. it can.
  • the input information display section 390 is provided between the input information display section 390 and the numeric keys 392, the guidance and the display of the input information are close to each other, so that it is easy to see and operate and input.
  • FIG. 12 shows another embodiment of the electronic currency processing machine 120.
  • the same reference numerals as those of the electronic currency processor 120 described in FIG. 4 indicate devices having the same functions.
  • a card is inserted from the upper side of the surface of the electronic currency processing machine 120, and the statement paper is discharged from the upper side.
  • Card 1 entrance 16 0 and statement sheet outlet 1 7 0 are on the upper side, so there is an advantage that it is possible to avoid forgetting to force and forget to take out printed statement sheets. Since 3 2 and function keys 13 5, 13 6, 13 7, 13 9 and the input device 13 4 are arranged close to each other, operation (input) is easy.
  • the operation guidance display section 250 is displayed on the left side.
  • the operation force guidance display section 250 is as shown in Fig.
  • the guidance item has its printed part 270, and the LED that indicates the guidance to be performed next is displayed for each guidance item. 1 is provided. Selected The next operation (input) is instructed by selectively lighting the guidance LED.
  • This embodiment has a simple configuration and is inexpensive.
  • a notch 162 is provided in the card insertion slot 160. Paper for printing is supplied by a roll paper case from the right side near the detailed paper outlet 170. If necessary, a camera may be built in, or a handset set 180 may be provided on the side.
  • identity verification means that the user inputs a personal identification number, and that the number has a predetermined relationship, such as matching with a secretly predetermined number, to assure the user's identity, Is what you do.
  • the designation of the bank and the designation of the account may be input from the input device, or as shown in FIG. 10, FIG. 11, and FIG. It may be specified by inserting a force. In this case, there is an advantage that designation is easy.
  • inserting a bank card adds the condition of having a banking power that only one person has, which improves reliability and security.
  • the security can be further improved by inputting a verification code, which is a verification code, based on the bank card.
  • Figure 13 shows the flow of instructions for permitting payment (also referred to as unlocking) and prohibiting payment (also referred to as locking) for the electronic currency card 10.
  • Step 1 00 0 is a waiting state, and the date and time are displayed on the screen. However, this state is a standby state, and other commonly used information and information Notifications may be displayed.
  • step 1002 the user inserts a force.
  • the card insertion display may be performed by detecting that the user has approached the electronic currency processing machine 120. This can give an unfamiliar user a sense of security.
  • step 1004 and this step 1002 may be reversed. That is, the operation of step 1002 may be performed before the operation of step 1002 is performed. In this case, when the user approaches, the display of step 104 may be performed. This has the effect of giving unfamiliar users a sense of security.
  • step 1004 the contents of use, that is, the function to use the electronic currency processor 120, are selected. The available functions are first displayed.
  • step 1102 The locked / unlocked state of the card 10 inserted in step 1102 is read, and if locked, the user determines that the user wants to perform the unlocking operation, and step 1 Move to 104. On the other hand, if the result of reading the IC card 10 indicates that it is unlocked, It is determined that the user wants to lock the C card 10 and the process proceeds to step 1 1 2 2.
  • step 1104 the validity of the user is confirmed. Determine a password that only the user knows in advance, and confirm that the user is a true user by entering this number. Therefore, a display for instructing the input of the personal identification number is performed. Enter the number according to the instructions. The entered number is displayed by replacing it with a specific symbol, for example, "*".
  • step 1104 and step 1122 the lock status of the electronic currency card 10 may be displayed.
  • the user is already in the locked state and the user wants to set the locked state, and the state is displayed as the locked state. This display is not required, but the user may be misunderstanding, in which case an error can be found by the display.
  • step 1104 or step 1122 if the user misunderstands and wants to be unlocked but is already unlocked, or vice versa, at step 1104 or 1122, you may notice a misunderstanding and stop the operation.
  • the unlocked state can be recognized by inserting the. Therefore, the status may not be displayed at all, and in the case of the unlocked state, the locked state may be set immediately without confirmation of a certification signal.c
  • the locked state is changed to the unlocked state, Confirm, and after confirmation, unlock. From unlocked state Since the change to the mouth state changes to the safety side, the state is changed without confirmation of the person. In this way, even if the user misunderstands, the above processing will be performed without any inconvenience and safety can be maintained.
  • step 1104 If the validity of the user can be confirmed in step 1104, the process proceeds to step 1106, and a request instruction for confirmation of the unlock operation is issued.
  • step 1106 the electronic currency card 10 is changed from the locked state to the unlocked state. This is achieved by changing the information indicating the state of the electronic currency card 10 from the reader / writer 41 of the electronic currency card 10 to the information indicating the unlocking from information indicating the lock. Done.
  • step 1108 Move from step 1106 to step 1108, and discharge the electronic currency power card 10 from the card input port of the electronic currency processing machine 120 so that it can be picked up a little by hand.
  • the user can take out the electronic currency IC card 10.
  • step 110 a predetermined time is waited for, and the process returns to step 10000, which is in a waiting state.
  • step 1102 if the electronic currency power supply 10 is in the unlocked state, the procedure moves to step 1 122.
  • step 1 122 the electronic currency card 10 is changed from the unlocked state to the locked state.
  • step 1 124 the child currency card 10 is discharged in the same manner as in step 110.
  • the process proceeds to step 10000 in a waiting state.
  • Step 1 00 0 is a wait state, and steps 1 0 0 0 and ⁇ in FIG. The same.
  • step 102 the electronic currency force 10 is inserted into the electronic currency processor 120.
  • the card insertion may be displayed by the user approaching the electronic currency processor 120.
  • step 104 the user selects the purpose of use. In other words, select the function you want to use for the electronic currency processor 120.
  • step 104 select that function.
  • step 124 a predetermined PIN is entered in order to confirm that the user of the electronic currency power code 10 is a valid user. If this number is a predetermined number, the user is determined to be a valid user, and the process proceeds to the next step 122.
  • step 122 specify the bank and account from which you want to withdraw currency. This step may be performed before the previous step 1204, or may be performed after the subsequent step 1206.
  • the number for designating the bank may be entered, or a list of available banks is displayed in advance, and the bank can be selected by number or by selecting from the list. Is also good.
  • Step 1 204 is sufficient for identity verification because the security of e-currency currency 10 is sufficiently considered, but the use of banking power is not required for the user.
  • the method of making it possible after confirming the validity is also an easy-to-understand rule for improving security. Therefore, it is significant to establish the rules as a user's consent.
  • FIG. 14 is an operation in which currency is remitted from a digital currency card 10 to a bank account.
  • the currency is entered into the bank account, and the possibility of tampering is very low. Therefore, there is little meaning in confirming the legitimacy of the banking force user, and there is no problem if this is omitted.
  • Figure 15 below shows the withdrawal of currency from a bank account, which is likely to be fraudulent. In this case, it is significant to confirm the legitimacy of the user for the bank card.
  • step 124 an operation for confirming the validity of the user of the electronic currency card 10 is performed.
  • enter your certificate according to the instructions The operation and function of this step are the same as step 1104 in FIG.
  • step 122 the bank and the source account are specified.
  • step 1206 the user enters the amount to be withdrawn from the electronic currency card 10 into the bank account.
  • step 1208 it is checked whether the electronic currency force 10 is in an unlocked state. If it is in the locked state, the process proceeds to step 1 210, and the electronic currency card 10 is unlocked. In this step 1210, the user may perform the operation, or the operation may be automatically unlocked since the operation content is determined. It is desirable to inform the user of this unlocking procedure, and in either case, the user is notified by changing from the locked state to the unlocked state, or by displaying the unlocked state. It is necessary. In step 122, not only is it detected whether the card is locked or unlocked, but this is recorded in the next step 124 to restore it.
  • step 1 12 When the card for electronic currency 10 is unlocked, a remittance operation from the electronic currency card 10 to the designated bank account is performed in step 1 12 1. Since this operation involves exchanging information via a communication line, processing takes time. For this reason, the progress is displayed as the remittance operation progresses so that the user does not feel anxious. By the completion of this step 1212, the remittance from the electronic wallet 31 1 'child communication card 10' to the bank account is completed. As a matter of course, the holding amount of the electronic wallet 31 will decrease, and the ffi amount of the deposited bank account will increase, corresponding to the remittance amount.
  • step 1 2 14 the process goes to step 1 2 14 to return the electronic currency card 10 to the state recorded in 1 208. That is, it returns to the lock-no-lock state when the electronic currency force 10 is inserted. If card 10 is in the locked state, it is in the unlocked state, and the state is returned to the locked state in step 1216.
  • step 1 2 the status of electronic currency exchange and the balance of the bank account are output.
  • the currency of the electronic wallet 31 is moved in and out as described above, it is necessary to confirm the history.
  • step 1 2 1 4 to step 1 2 2 2 are procedures for history confirmation. This procedure is described in detail below. If you only want to check the history, select the history mode by pressing the key 1 3 8 in step 104 of Fig. 14 or Fig. 13. Then, the process may move from step 1004 to step 1224, confirm the user, and then jump to step 122. This makes it possible to check only the history.
  • step 1 218 the history of electronic currency transfer recorded on the electronic currency card 10 is read from the reader / writer and printed on the roll paper 36 2 by the printer 330. . At this time, since
  • step 1 220 is executed.
  • step 1 Waiting for the elapse of the predetermined time in 2 2 2 and returning to the waiting state 1 0 0 c c Withdrawing money from the bank account and depositing it in the electronic wallet 31 as electronic currency using Fig. 15 explain.
  • Steps 100 and 100 are the same as steps 100 and 102 in FIG.
  • Function key 1 indicating the withdrawal function from the bank by selecting the function of step 104
  • Step 124 is the same as the step in FIG. In this step, the validity of the user for the electronic wallet 31 is confirmed.
  • a bank account is entered. This is the same as step 122 in FIG.
  • This step 1202 may be performed before step 104 or after step 124.
  • a bank account may be specified by inserting a bank card as described in FIG. At this time, the validity of the user for the bank card may be confirmed by inputting the password for the bank card. This improves safety. Either the operation of step 124 or the operation of step 104 may be performed before or after.
  • the context is the same in Figs. 14 and 13; however, Fig. 13 shows that the operation of the electronic currency card 10 can be performed without the operation of step 110.
  • step 110 It is considered that it is more convenient to input the use function after confirming the validity of Icheon in 4 or 1244, because it is more suitable for the user's impression party and easier to operate.
  • Steps 1 0 4, 1 2 0 2, 1 2 4 2 and 1 2 4 2 determine the bank account based on the legitimacy, purpose and amount of the user. Withdrawal and remittance processing of the electronic currency with the currency card 10 are performed, and the electronic currency of the amount based on the instruction is deposited on the electronic currency card 10. This process may take time via the communication line. Therefore, the display according to the progress state can ease the user's anxiety.
  • step 1 2 4 4 the status of the deposit and withdrawal of the bank account and the status of the deposit into the electronic wallet are printed by the printer 330.
  • steps 1221 to 1222 in FIG. 14 may be executed for the purpose of printing the change in the amount of the electronic wallet 31. Receipt printing takes time because of the operation of the mechanical parts such as the printer 330. Therefore, a display indicating that the operation is in progress or a progress status is displayed.
  • step 1248 the force is discharged to the extent that it can be pulled out by hand, and in step 1250, a certain period of time has elapsed and the process returns to the waiting state 10000.
  • FIG. 16 shows the internal structure of the electronic communication card 10.
  • Reference numeral 511 denotes a child communication IC chip
  • reference numeral 511 denotes a CPU
  • reference numeral 513 denotes a memory
  • reference numeral 514 denotes a contact for an electronic communication force 10.
  • the child reception card 10 is composed of a child communication IC chip 511, a control CPU 51 2, and a memory 5 13 composed of a writable non-volatile memory such as an EPR ⁇ M. ⁇ ⁇ child via contact 5 1 4 for pass card 10 It can exchange information with information devices compatible with the currency system.
  • the use of e-currency with e-currency power 10 has a function to keep a history of transactions such as payments. Every time an electronic currency transaction is made, the history information such as the ID, date, and amount of the trading partner's power is recorded in the memory of the electronic currency IC chip 511. Information flow 5 15 illustrates this.
  • the operation of locking and unlocking of the electronic currency force 10 is determined by the CPU 512 and writing the lock / unlock information to the electronic currency IC chip 511. Done.
  • the CPU 511 performs the function of collating the entered password to determine the legitimacy of the user with the previously recorded password and the function of holding the electronic currency. This is done with the electronic currency IC chip 5 1 1.
  • the memory 513 holds information for improving the usability of the electronic currency card 10, and its security is slightly lower than that of the electronic currency IC chip 511.
  • the designation of the bank account can be stored in the memory 5 13. Also, the contents of shopping and the like can be similarly stored in the memory 5 13 and output as needed.
  • an easy-to-use electronic currency processing machine is provided.
  • the present invention relates to an e-commerce system using an IC card or the like.
  • an e-commerce processing machine having at least a function for depositing e-money into an e-currency card and its One operation method,

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

La présente invention concerne un processeur (120) pour monnaie électronique pourvu d'une fente (160) dans laquelle introduire la carte porte-monnaie électronique (10), un organe d'entrée (134) et un organe d'affichage (132). Ce processeur a pour fonction de retenir de la monnaie électronique qui avait été créditée à la carte porte-monnaie électronique (10) introduite dans la fente (160). Une caractéristique supplémentaire de ce processeur (120) pour monnaie électronique est de comporter un mécanisme d'ouverture/fermeture (335) à fonction de verrouillage, un lecteur/enregistreur (328) qui échange des informations avec la carte porte-monnaie électronique (10) et un circuit de communications (326) qui échange des informations avec un appareil externe. Enfin, si la fonction de verrouillage affectée au mécanisme d'ouverture/fermeture est validée, un signal représentant la validation peut être émis du circuit de communications (326) à une adresse de communications (110). Ce processeur pour monnaie électronique est facile à utiliser, et en outre, en cas d'anomalie telle qu'une effraction, il est possible d'émettre une alarme à une adresse de communications définie désignée.
PCT/JP1997/003501 1996-10-04 1997-10-01 Processeur pour monnaie electronique et procede correspondant WO1998014920A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP26407496A JPH10111973A (ja) 1996-10-04 1996-10-04 電子通貨用処理機およびその処理方法
JP8/264074 1996-10-04

Publications (1)

Publication Number Publication Date
WO1998014920A1 true WO1998014920A1 (fr) 1998-04-09

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PCT/JP1997/003501 WO1998014920A1 (fr) 1996-10-04 1997-10-01 Processeur pour monnaie electronique et procede correspondant

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Country Link
JP (1) JPH10111973A (fr)
WO (1) WO1998014920A1 (fr)

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS59130171A (ja) * 1983-01-13 1984-07-26 Nisshin Flour Milling Co Ltd 中華饅頭の製造法
JPS60100291A (ja) * 1983-11-05 1985-06-04 株式会社東芝 自動取引装置
JPH0392966A (ja) * 1989-09-06 1991-04-18 Fujitsu Syst Soken:Kk 電子財布システム
JPH03251986A (ja) * 1990-03-01 1991-11-11 Fujitsu Ltd 防犯機能付自動取引装置
JPH0416822B2 (fr) * 1984-03-22 1992-03-25 Toshiba Kk
JPH0645054U (ja) * 1992-11-19 1994-06-14 株式会社瀧口製作所 公衆電話機の金庫盗難防護装置
JPH07115480A (ja) * 1993-10-14 1995-05-02 Nippon Telegr & Teleph Corp <Ntt> 公衆電話機の通報装置
JPH07220135A (ja) * 1994-01-28 1995-08-18 Amano Corp 料金自動精算機用盗難防止装置
JPH0847061A (ja) * 1994-07-26 1996-02-16 Matsushita Electric Ind Co Ltd 電気錠監視装置

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS59130171A (ja) * 1983-01-13 1984-07-26 Nisshin Flour Milling Co Ltd 中華饅頭の製造法
JPS60100291A (ja) * 1983-11-05 1985-06-04 株式会社東芝 自動取引装置
JPH0416822B2 (fr) * 1984-03-22 1992-03-25 Toshiba Kk
JPH0392966A (ja) * 1989-09-06 1991-04-18 Fujitsu Syst Soken:Kk 電子財布システム
JPH03251986A (ja) * 1990-03-01 1991-11-11 Fujitsu Ltd 防犯機能付自動取引装置
JPH0645054U (ja) * 1992-11-19 1994-06-14 株式会社瀧口製作所 公衆電話機の金庫盗難防護装置
JPH07115480A (ja) * 1993-10-14 1995-05-02 Nippon Telegr & Teleph Corp <Ntt> 公衆電話機の通報装置
JPH07220135A (ja) * 1994-01-28 1995-08-18 Amano Corp 料金自動精算機用盗難防止装置
JPH0847061A (ja) * 1994-07-26 1996-02-16 Matsushita Electric Ind Co Ltd 電気錠監視装置

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