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 OR CALCULATING; 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
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/22—Payment schemes or models
  • G06Q20/26—Debit schemes, e.g. "pay now"
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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

• Money terminal processing server money terminal processing method, money terminal, operation command input device, and amount change information input device
• the present invention relates to a money terminal processing server, a money terminal processing method, a money terminal, an operation command input device, and a money amount change information input device, and for example, to a device for processing electronic money stored in an IC card.
• An electronic money system currently in practical use is one in which, for example, an electronic money card constituted by a contactless IC card stores a monetary value.
• An electronic money card is equipped with a CPU (Central Processing Unit), to which an addition command or a subtraction command (hereinafter referred to as an operation command) is input and executed, whereby the monetary value of the card is stored. Can be increased or decreased.
• the monetary value in the card is represented by electronic information called value.
• Businesses that provide products and services using electronic money register with the organizer of the electronic money system (hereinafter referred to as the electronic money center) to form a member store and access the electronic money card. It has a transaction terminal for trading. The merchant uses this transaction terminal instead of giving and receiving cash to increase or decrease the value balance in the customer's electronic money card and conduct business transactions.
• Transaction terminals include an online terminal that is connected online to a server device (center server) of an electronic money center, and an offline terminal that is connected to the center server several times a day through notch processing.
• server device center server
• offline terminal that is connected to the center server several times a day through notch processing.
• an online terminal is used in a network environment where high-speed communication such as broadband can be performed, and an offline terminal is used when high-speed communication cannot be performed.
• offline terminals were employed as transaction terminals.
• broadband networks have been developed and are gradually being replaced by online terminals.
• the current electronic money system is a mixture of offline and online terminals.
• the online terminal mediates the communication between the electronic money card and the center server, whereby the center server sends a predetermined calculation command to the electronic money card.
• the electronic money card executes this operation instruction to increase or decrease the value of the value in the electronic money card.
• the offline terminal inputs an operation command to the electronic money card offline to increase or decrease the amount of money in the card, and accumulates the transaction information as log data. Then, these are collectively transmitted to the center server several times a day in batch processing.
• the electronic money center aggregates transaction information with the online terminal and transaction information received from the offline terminal, and transfers cash to the bank account of the member store according to the aggregation result.
• the electronic money center uses the transaction information to determine the correspondence between the transfer of the exchange value by value and the actual cash.
• Patent Document 1 JP 2003-141428 A
• This technology is to distribute electronic money by storing a monetary value in a non-contact type IC card carried by a user and adding or subtracting the value.
• an object of the present invention is to provide a money terminal processing server, a money terminal processing method, a money terminal, a money terminal, an operation command input device, and a money amount that can appropriately perform failure recovery in an electronic money system using an online terminal.
• a change information input device is provided. Means for solving the problem
• the present invention stores money information in which a balance amount of money value is represented as electronic data, and executes a predetermined operation command to execute the predetermined operation instruction.
• a money information processing system configured by using a money terminal that arithmetically processes a balance amount and selectively stores a terminal flag in an initial state and a reversed state, and a money information processing server that communicates with the money terminal.
• the money information processing server used in the the balance terminal receiving means for receiving the money terminal power balance amount, request acquisition means for acquiring a request to send an operation command to the money terminal, for the money terminal, After transmitting a reversal command for reversing the terminal flag to the reversal state, and confirming that the terminal flag has been reversed to the reversal state at the money terminal, a return command for returning the terminal flag to the initial state is provided.
• the present invention provides a money terminal processing server characterized by having:
• a terminal flag receiving means for receiving the state of the terminal flag set in the money terminal at the time of the failure, Using the state of the received terminal flag and the server flag set at the time of the occurrence of the failure, the occurrence of the failure has occurred before or after the money terminal has performed the arithmetic processing.
• the money terminal processing server further comprising: a recovery unit configured to determine whether the failure has occurred, and performing recovery processing of the failure according to the determination.
• the balance updating unit updates the balance amount after confirming execution of the subtraction instruction on the money terminal, and updates the balance amount.
• the operation instruction transmission means transmits the addition instruction after updating the balance amount
• the recovery means performs the balance amount after the subtraction instruction is executed in the money terminal. If it is determined that a failure has occurred before updating the balance, the money terminal is added with the amount of the subtraction and a recovery process is performed !, and after the balance amount is updated, the currency is updated. If the terminal determines that a failure has occurred before executing the addition instruction, the terminal performs the recovery processing by adding the updated amount of money to the money terminal. money To provide the end processing server.
• money information in which the balance amount of money value is represented as electronic data is stored, a predetermined operation instruction is executed to calculate the balance amount, and the terminal flag is set to the initial state and the inverted state.
• a money information processing method performed by a money information processing server used in a money information processing system configured by using a money terminal that selectively stores the money terminal and a money information processing server that communicates with the money terminal.
• the money information processing server Balance receiving means, request obtaining means, terminal flag setting means, operation command transmitting means, server flag setting means, and balance updating means, and the balance receiving means A balance receiving step of receiving a balance amount from a terminal, a request obtaining step of obtaining a transmission request of an operation command to the money terminal by the request obtaining means, and a terminal terminal for the money terminal by the terminal flag setting means.
• the setting step and transmitting the reversal command or the return command to the money terminal by the calculation command transmitting means,
• a server flag setting unit for inverting or returning the server flag from the transmission of the reversal command to the money terminal by the server flag setting means until the return of the terminal flag is confirmed by the server flag setting means.
• a balance updating step of updating the received balance amount with the reversal or return of the server flag by the balance updating means.
• the money terminal processing server is a money terminal that transmits an operation instruction, and includes money information storage means that stores money information that represents a balance value of money value as electronic data.
• a calculating means for executing a predetermined calculating instruction to calculate the balance amount, a terminal flag storing means for selectively holding a terminal flag in an initial state and a reversed state, and a terminal flag transmitted from the money terminal processing server.
• the stored terminal flag is set to the initial state reversal state by executing the received reversal command, and the stored terminal flag is reversed by executing the return command transmitted from the money terminal processing Sano.
• a flag command executing means for returning to the initial state from the flag.
• an operation instruction input device for inputting the addition instruction to the money terminal according to the fifth aspect, wherein an additional amount acquisition unit for acquiring an additional amount, and a currency corresponding to the acquired additional amount.
• An addition command generation unit for generating an addition command for adding a value; a terminal flag reception unit for receiving a terminal flag stored in the money terminal force and the terminal flag storage unit; and the terminal flag being in an initial state. If the calories generated above, an addition command input means for inputting a calculation command to the money terminal and restricting the input of the addition command to the money terminal when the terminal flag is in an inverted state. Provide an input device.
• money information in which the balance amount of money value is represented as electronic data is stored, the balance amount is changed using predetermined amount change information, and the terminal flag is set to the initial state.
• a money information processing server used in a money information processing system configured by using a money terminal that selectively stores in a reversed state, and a money information server that communicates with the money terminal, wherein the money information server includes: A balance receiving means for receiving a balance amount from the terminal, a request obtaining means for obtaining a request for transmitting money change information to the money terminal, and a reversal command for reversing a terminal flag to a reversal state to the money terminal.
• a terminal flag setting means for transmitting a return command to return the terminal flag to the initial state
• the amount change information transmitting means for transmitting the amount change information requested by the acquired transmission request; and transmitting the reversal command to the money terminal.
• server flag setting means for inverting or restoring the server flag until the return of the terminal flag is confirmed
• balance updating means for updating the received balance amount with the inversion or restoration of the server flag
• a money terminal processing server characterized by comprising:
• a terminal flag receiving means for receiving a state of a terminal flag set by the money terminal at the time of failure occurrence, Using the received state of the terminal flag and the server flag set at the time of the occurrence of the failure, the occurrence of the failure is caused by the force generated before the money terminal performs the money amount changing process, or afterward.
• a money terminal processing server further comprising: recovery means for determining whether or not the failure has occurred, and performing recovery processing for the failure according to the determination.
• the balance updating means checks the execution of the money amount change process at the money terminal, and then checks the balance money amount. To update the amount and add the amount as the amount change information
• the amount change information transmitting means transmits the amount change information after updating the balance amount
• the recovery means executes an amount change process of reducing the amount at the money terminal. If it is determined that a failure has occurred before updating the balance amount after the payment, the money terminal is increased by the reduced amount and recovery processing is performed !, and the balance amount is updated. If it is determined that a failure has occurred before performing the amount change process at the money terminal after performing the money amount change process, the recovery process is performed by increasing the updated money amount to the money terminal.
• a money terminal processing server is provided.
• money information representing the balance value of money value as electronic data is stored, the balance amount is changed using predetermined amount change information, and the terminal flag is set to the initial state.
• An information processing method performed by a money information processing server used in a money information processing system configured using a money terminal that selectively stores in a reversed state and a money information processing server that communicates with the money terminal.
• the money information processing server includes a balance receiving unit, a request obtaining unit, a terminal flag setting unit, an amount change information transmitting unit, a server flag setting unit, and a balance updating unit.
• the money terminal processing server is a money terminal that transmits amount change information, and stores money information that represents money amount balance amount as electronic data.
• an amount change information input device for inputting amount change information for increasing the balance amount to the money terminal according to claim 11, further comprising: an increase amount acquisition means for acquiring the increase amount.
• Amount change information generating means for generating an amount change information for increasing the monetary value of the acquired increase amount, and a terminal flag for receiving the terminal flag stored in the terminal flag storage means from the money terminal.
• the receiving means and the terminal flag are in the initial state, the generated amount change information is input to the money terminal, and when the terminal flag is in the inverted state, the money change information of the amount change information is input.
• a money amount change information input device comprising: money amount change information input means for restricting input to a terminal.
• failure recovery can be appropriately performed in an electronic money system in which online terminals and offline terminals coexist.
• a flag is prepared on both the electronic money card and the center server that can selectively set two values, “transaction” and “transaction completed”.
• both flags are set (inverted from “transaction completed” to “transaction in progress”) or defeated (from “in transaction” to “in transit”). Or return to "transaction completed”) and proceed with the process while maintaining synchronization. If a failure occurs in the middle of processing, the state of the flag at the time of the failure is stored by both parties, so that the time of the failure can be identified from these states.
• the return processing to the electronic money card is performed.
• the subtraction processing when performing the subtraction processing with the electronic money card, first, the subtraction processing is performed with the electronic money card, the subtraction processing of the balance record is performed with the center server, and the addition processing is performed with the electronic money card. Conversely, the center server first performs the addition processing, and then performs the addition processing of the balance record with the electronic money card.
• the center flag is set to transaction completion (initial state). After setting this to transaction in progress (reversal state), a transaction in progress command (reversal command) is transmitted to the electronic money card (step 1).
• the electronic money card receives and executes the in-transaction command, and sets the terminal flag (the flag on the card side) during the transaction. Then, a transaction setting notification is sent to the center server (step 2).
• the center server After receiving the in-transaction setting notification, the center server sets the server flag from “in-transaction” to “transaction completed”. Then, a transaction completion command (return command) is transmitted to the electronic money card (step 3).
• the electronic money card receives and executes the transaction completion command from Center Sano, and executes the Set the flag to transaction completed. Then, a transaction completion setting notification is sent to the center server (step 4). The center server receives this.
• step 2 For example, if the terminal flag is “transactional” and the server flag is “transactional”, a failure has occurred in step 2.
• terminal flag is "transaction” and the server flag is "transaction completed”, it means that a failure has occurred in step 3.
• step 1 if a failure occurs in step 1, the terminal flag becomes “transaction completed” and the server flag becomes “transaction”, and if a failure occurs in step 4, the terminal flag and the server flag become Both are "transaction completed”.
• the center server sends both the flag setting command (transactional command or transaction completion command) and the calculation command to the electronic money card, and the electronic money card sets the flag and executes the calculation together.
• the information on the electronic money card side and the information on the center server side can be updated while being synchronized.
• a transaction command and a subtraction command are transmitted in step 1.
• the electronic money card After receiving and executing the subtraction command, the electronic money card transmits a subtraction completion notification (also serving as a transaction setting notification) to the center server in step 2.
• the center server After receiving the subtraction completion notification from the electronic money card, the center server subtracts the balance record of the electronic money card. Thereafter, the processing of steps 3 and 4 is performed.
• the value balance of the electronic money card does not match the balance record in the center server when a communication failure occurs in step 2. That is, when both the terminal flag and the server flag are “transaction”, it is understood that the electronic money card has performed the subtraction processing, but the center server has not performed the subtraction processing of the balance record. Therefore, a failure occurs during the subtraction process, and both the terminal flag and the server flag are “transactional”. In some cases, the state before the subtraction processing can be restored by transmitting and executing an addition command for adding the subtracted amount to the electronic money card.
• step 3 when the addition processing is performed by the electronic money card, as shown in Fig. 1 (c), after performing the processing of steps 1 and 2, in step 3, a transaction completion command and an addition command are transmitted. Send. After receiving and executing the addition command, the electronic money card transmits an addition completion notification (also serving as a transaction completion setting notification) to the center server in step 4.
• an addition completion notification also serving as a transaction completion setting notification
• the mismatch between the balance of the electronic money card and the balance record in the center server occurs when a communication failure occurs in step 3.
• the center server side has performed the addition processing of the balance record. Therefore, if a failure occurs during the addition process and the terminal flag is “transaction” and the server flag is “transaction completed”, sending the addition command to the electronic money card and executing it will cause You can recover to the state.
• the exchange value is shifted by adjusting the value of electronic information called value, which is provided with an exchange value equivalent to money.
• the know is stored in an electronic money card, which is an IC card having a know-processing function, and is carried by the user.
• the member store has a member store terminal for accessing the electronic money card at the store, and performs payment by subtracting the value stored in the user's electronic money card by the amount of money (for both settlement and payment). Called).
• This member store terminal has an online connection with the center server of the electronic money card center.
• FIG. 2 is a block diagram schematically showing a configuration of the electronic money system according to the present embodiment.
• the electronic money system 1 includes a center server 2 installed in the electronic money center 100, online terminals 5, 5, 5,... Installed in each affiliated store 102, an offline terminal 6, a center server 2 and an online terminal 5 , 5, 5,... And offline terminals 6, 6, 6,... Using an electronic money card 7 that performs short-range wireless communication with the network 4, online terminals 5, and offline terminals 6. It is composed of
• the electronic money center 100 is a business entity that operates and maintains the electronic money system 1, and operates the center server 2 (money terminal processing sano).
• the center server 2 is always connected to the online terminal 5, can communicate with the online terminal 5 in real time, and can generate and transmit an operation command (operation instruction) according to a request from the online terminal 5.
• the center server 2 and the online terminals 5, 5, 5,... are always connected.
• the present invention is not limited to this.
• the electronic money card 7 The online terminal 5 may be connected to the center server 2 (for example, when a command needs to be input).
• the center server 2 collectively receives, for example, about once a day, transaction information on the processing performed by the offline terminal 6 on the electronic money card 7.
• the person in charge of the electronic money center 100 collects the storage medium storing the transaction information from the offline terminal 6 and transfers it to the center server 2. To enter.
• the member store 102 is a store that provides products and services to customers, such as, for example, a convenience store and a restaurant, and can use the know-how as a price for these products and services. .
• the merchant 102 has, for example, an online terminal 5 and an offline terminal 6 at a cash register, and performs payment by subtracting know-how from the customer's electronic money card 7 using these terminals. . In addition, it receives the customer power fee and deposits the corresponding amount of money into the electronic money card 7.
• both the payment and the deposit can be performed by the online terminal 5, but it is also possible to configure so that either the payment or the deposit is performed.
• the online terminal 5 includes a terminal computer 5a and a reader / writer 5b.
• the terminal computer 5a can be configured by installing a predetermined computer program on a general-purpose computer equipped with a reader / writer 5b, or can be configured using a dedicated machine incorporating a dedicated module. .
• the reader / writer 5b is a peripheral device of the terminal computer 5a, and has a built-in antenna for performing short-range wireless communication with the electronic money card 7.
• the terminal computer 5a is connected to the electronic money card 7 via the reader / writer 5b, and can input a calculation command transmitted from the center server 2 to the electronic money card 7.
• the offline terminal 6 generates an operation command by itself and inputs it to the electronic money card 7.
• the offline terminal 6 has a built-in reader / writer 5b, which processes the electronic money card 7 offline and transmits transaction information recording the processing contents to the network 4 about once a day. Via the center server 2.
• the electronic money card 7 is a money terminal constituted by a non-contact type IC card having a built-in value processing function.
• the electronic money card 7 is provided with an IC chip for performing a function for processing a note and an antenna for performing wireless communication with the reader / writer 5b.
• the electronic money card 7 stores the amount of the balance of the money, and executes the addition command or the subtraction command input from the reader / writer 5b to add or subtract the amount of the money.
• FIG. 2 also shows a functional configuration of the electronic money card 7.
• the electronic money card 7 includes a value processing unit 7a, a balance storage unit 7b, a log data storage unit 7c, and a card ID storage unit. 7d, transaction status holding unit 7e, etc.
• the balance storage unit 7b is a storage unit that stores a value balance. When paying or depositing, Increase or decrease the value amount stored in the balance storage unit 7b.
• the balance storage unit 7b constitutes money information storage means for storing the amount of money value as electronic data (value).
• the log data storage unit 7c is a storage unit that stores the transaction history as log data.
• the transaction history includes, for example, the date and time of the transaction, HD information of the merchant terminal with which the transaction was made, whether payment or deposit was made, and the transaction amount.
• the card ID storage unit 7d is a storage unit that stores a card ID.
• the card ID is HD information uniquely given to the electronic money card 7 in the electronic money management system 1, and the electronic money center 100 can specify the electronic money card 7 by the card ID.
• the card ID is assigned to the electronic money card 7 by the electronic money center 100.In addition to this, the card ID can be obtained by using the IH blue report given to the electronic money card 7 by the manufacturer of the electronic money card 7. Is also good.
• the transaction state holding unit 7e is a storage unit that stores the transaction state.
• the transaction status is flag information indicating the strength of the process at the electronic money management card 7 and constitutes a terminal flag.
• the transaction status can be selectively selected from two values: “in transit” (corresponding to the reversed status) and “transaction completed” (corresponding to the initial status).
• the transaction state holding unit 7e constitutes a terminal flag storage unit.
• the transaction state is set to “under transaction” until the processing by the electronic money card 7 is completed, and is returned to “transaction completed” when the processing is completed.
• the setting of “in transit” and “transaction completed” is performed by the value processing unit 7a described later by executing a transaction in progress command (corresponding to the inversion command) and a transaction completion command (corresponding to the return command) transmitted from the center server 2. It is performed by executing.
• the know processing unit 7a corresponds to a flag instruction execution unit.
• the transaction status stored in the transaction status holding unit 7e is used to determine the point in time of the occurrence of a communication failure between the center server 2 and the electronic money card 7.
• the know processing unit 7a is a central processing unit that executes various commands input from the reader / writer 5b, and constitutes calculation means.
• the know processing unit 7a When receiving the input of the addition command or the subtraction command, the know processing unit 7a adds or subtracts the know of the balance storage unit 7b by the amount of money attached as a parameter to these commands.
• the know processing unit 7a updates the transaction history in the log data storage unit 7c.
• the electronic money card 7 communicates with the center server 2 and the electronic money card 7 via a route including a network 4, a terminal computer 5a, and a reader / writer 5b.
• the electronic money card 7 has a function of performing encryption and decryption for this purpose.
• the network 4 is constituted by, for example, the Internet, and mediates communication between the center server 2 and the online terminal 5 and the offline terminal 6.
• the network 4 may be configured by a WAN (Wide Area Network) or a LAN (Local Area Network), or may use a communication line using a communication satellite, a telephone line network, an optical cable network, or the like. .
• WAN Wide Area Network
• LAN Local Area Network
• FIG. 3 is a block diagram schematically illustrating an example of a hardware configuration of the electronic money card 7.
• the electronic money card 7 is a plastic card in which an antenna 701 and an IC chip 702 are built.
• a non-contact IC card may be used as the electronic money card 7, and the electronic money card 7 may be constituted by a contact IC card.
• the electronic money power supply 7 includes a contact terminal for accessing the IC chip 702 instead of the antenna 701.
• the member store terminal also has terminals connected to the contact terminals, and the electronic money card 7 and the member store terminal communicate with each other via these terminals.
• the antenna 701 is an element for performing wireless communication with the antenna provided in the reader / writer 5b. is there.
• the antenna 701 receives radio waves emitted by the reader / writer 5b and radiates radio waves to the reader / writer 5b.
• the antenna 701 wirelessly receives power supply from the reader / writer 5b,
• the IC chip 702 is a type of device including a ROM (Read Only Memory) 703, a CPU (Central Processing Unit) 704, a high-frequency circuit unit 705, a RAM (Random Access Memory) 706, and a storage unit 707. It is a computer. These elements are one I
• the CPU 704 is a central processing unit that performs information processing according to various programs and controls the entire operation of the electronic money card 7.
• the ROM 703 is a read-only memory in which a basic program (OS (Operating System), a communication program with the reader / writer 5b, and the like) for operating the electronic money card 7 and various data are stored.
• OS Operating System
• a communication program with the reader / writer 5b, and the like for operating the electronic money card 7 and various data are stored.
• the high-frequency circuit unit 705 is an interface that communicates with the reader / writer 5b via the antenna 701.
• the CPU 704 can perform wireless communication with the reader / writer 5b via the high-frequency circuit unit 705.
• the RAM 706 is a readable and writable volatile memory, and provides a working area when the CPU 704 performs various information processing.
• the CPU 704 executes an addition command or a subtraction command to increase or decrease the amount of money.
• the storage unit 707 is, for example, an EEPROM (Electrically Erasable and Programmable ROM), and is a nonvolatile memory in which information can be read and written by the CPU 704.
• EEPROM Electrically Erasable and Programmable ROM
• Various application software can be stored (installed) in the storage unit 707 and executed by the CPU 704 to cause the electronic money card 7 to perform various functions.
• the CPU 704 stores a value processing program which is a program for causing the function as the electronic money card 7 to be exhibited.
• a value processing program which is a program for causing the function as the electronic money card 7 to be exhibited.
• a balance storage unit 7b in addition to a storage processing program, a balance storage unit 7b, a log data storage unit 7c, a card ID storage unit 7d, a transaction state storage unit 7e, and the like are formed.
• the CPU 704 executes a value processing program, and the value processing unit 7a is configured by software. As a result, it is possible to access the balance storage unit 7b, the log data storage unit 7c, the card ID storage unit 7d, and the transaction state holding unit 7e to perform various information processing.
• the portable terminal is provided with an IC chip 702 and an antenna 701, and can be accessed wirelessly from the reader / writer 5b as in the case of the electronic money card 7. It is also possible to display information inside the IC chip 702 or to input information to the IC chip 702 via an input device of the portable terminal.
• FIG. 4 is a block diagram schematically illustrating a hardware configuration of the center server 2.
• the center server 2 is configured by connecting an input device 18, an output device 20, a communication control device 24, a storage device 30, and the like to the control unit 10 via a bus line 32.
• the control unit 10 includes a CPU 12, a ROM 14, a RAM 16, and the like.
• the CPU 12 is a central processing unit that loads and executes programs stored in the ROM 14, the storage device 30, and the like.
• the transaction processing program stored in the storage device 30 is executed, and the function as the center server 2 is exhibited.
• the ROM 14 is, for example, a read-only nonvolatile memory that stores various programs, data, and parameters for performing basic control for the CPU 12 to function.
• the program in the ROM 14 is executed, for example, when the center server 2 is started.
• the RAM 16 is a readable / writable memory used as a working memory by the CPU 12, and is used, for example, when executing a transaction processing program.
• the input device 18 is configured by an input device such as a keyboard and a mouse.
• the output device 20 includes, for example, a display device including a display, and a printing device including a printer.
• the operator of the electronic money center 100 can access the center server 2 using these input devices 18 and output devices 20 to perform maintenance work, program updates, and other work.
• the communication control device 24 is a device for connecting the center server 2 to the network 4, and includes a modem, a terminal adapter, and other connection devices.
• the communication control device 24 is controlled by the CPU 12, and transmits and receives data and other information to and from the member store terminals according to a predetermined protocol.
• the franchise terminal is the online terminal 5, it is always connected, and if it is the offline terminal 6, it accepts the connection when the offline terminal 6 performs batch processing.
• the storage device 30 includes a readable and writable storage medium and a drive device for reading and writing programs and data from and to the storage medium.
• the storage medium may be constituted by another readable / writable storage medium such as a magneto-optical disk, a magnetic disk, and a semiconductor memory.
• the storage device 30 includes a program storage section 34 storing various programs and a data storage section 36 storing various data.
• Programs such as the OS 40 and the transaction processing program 42 are installed in the program storage unit 34.
• the OS 40 is a program that implements basic functions for operating the center server 2, such as input / output of files and control of the communication control device 24.
• the transaction processing program 42 is a program that causes the center server 2 to communicate with the electronic money card 7 via the online terminal 5 and perform, for example, the following processing.
• the center server 2 transmits the subtraction command requested from the online terminal 5 to the electronic money card 7, and causes the electronic money card 7 to execute the command.
• the process proceeds while setting two flags of the transaction status of the electronic money card 7 and the transaction status of the center server 2.
• the center server 2 transmits the addition command requested from the online terminal 5 to the electronic money card 7, and causes the electronic money card 7 to execute this.
• the process proceeds while setting two flags of the transaction status of the electronic money card 7 and the transaction status of the center server 2.
• the center server 2 includes the operation command transmitting means for transmitting the operation command (operation command).
• the center server 2 generates a balance confirmation command, sends it to the electronic money card 7, and causes the electronic money card 7 to execute it. Then, the electronic money card 7 transmits the balance of the screw to the center server 2, and the center server 2 displays this on the online terminal 5.
• the online terminal 5 may input a balance confirmation command to the electronic money card 7, and the online terminal 5 may display the balance of the money returned by the electronic money card 7 in response to the command.
• the center server 2 determines the point of time when a failure has occurred from the transaction state setting state of the center server 2 and the electronic money card 7, and performs recovery processing according to the point of time.
• the center server 2 Before performing the payment processing, the deposit processing, and the balance confirmation processing, the center server 2 determines whether a failure has occurred in the previous processing based on the transaction state between the center server 2 and the electronic money card 7. Check if a failure has occurred, recover it, and continue the power handling. Thus, the center server 2 is provided with the recovery means.
• the data storage unit 36 stores a member store terminal information database 44, a transaction information database 46, and so on.
• the member store terminal information database 44 is a database that stores information on the online terminal 5 and the offline terminal 6 installed in each member store 102.
• the member store terminal information database 44 includes, for example, the member store ID which is the HD information of the member store 102 where the member store terminal is installed, and the information set in the online terminal 5 and the offline terminal 6 in the member store 102.
• a certain terminal ID, information such as a serial ID, which is HD information uniquely assigned to the online terminal 5 and the offline terminal 6 in the electronic money system 1, and the like are stored.
• the center server 2 can specify the online terminal 5 or the offline terminal 6, and can further specify the member store 102.
• the terminal ID is information that is easily recognizable to the member store 102, for example, 01, 02,... In the order of installation of the member store terminals. Can be inquired with the terminal ID.
• the transaction information database 46 is a database that stores, as a history, transaction information performed on the electronic money card 7 via the online terminal 5 or the offline terminal 6.
• the transaction information is log data generated when processing the electronic money card 7, and is generated in real time when processing the electronic money card 7 via the online terminal 5, and is processed by the offline terminal 6. In this case, the data is temporarily stored in the offline terminal 6 and then sent to the center server 2 by batch processing or the like.
• FIG. 5 is a diagram showing, in chronological order, transaction information 61, 62, and 63 generated when the online terminal 5 processes the electronic money card 7 having the card ID “00001”.
• the transaction information is composed of various items such as card ID 52, balance 53, transaction amount 54, transaction status 55, transaction content 56, serial ID 57, transaction 58, etc.
• the card ID 52 is a card ID received from the electronic money card 7 via the online terminal 5.
• the balance 53 is a value balance after the calculation processing of the electronic money card 7, and the transaction amount 54 is an amount added or subtracted in the calculation.
• the center server 2 receives the value balance from the electronic money card 7 at the time of payment or deposit processing (corresponding to the balance receiving means), and requests the online terminal 5 to send a calculation command (adding the amount to be added or subtracted! /, Ru) (corresponding to request acquisition means).
• the balance 53 is calculated using these values.
• the transaction state 55 is flag information in which one of "transaction” (corresponding to the inverted state) and “transaction completed” (corresponding to the initial state) is selectively set, and constitutes a server flag. are doing.
• the transaction status 55 is set to “transaction” when the processing on the center server 2 side is started, and is updated to “transaction completed” when the processing on the center server 2 side is completed.
• the center server 2 includes the server flag setting means for reversing the transaction state 55 from “transaction completed” to “transaction completed” or returning from “transaction completed” to “transaction completed”. I have.
• the transaction information 55 in the third transaction information from the top in the figure indicates that the transaction status 55 is “transaction”, and it is understood that the processing of the center sano 2 regarding this transaction information has not been completed yet.
• the serial ID 57 is a serial number of the online terminal 5 that mediates communication with the electronic money card 7. By comparing this serial number with the member store terminal information database 44, the member store 102 that has processed the electronic money card 7 can be specified.
• the transaction date and time 58 is the date and time when communication with the online terminal 5 was performed. For example, the communication start time and the communication end time are stored.
• the processing performed on the electronic money card 7 specified by the card ID 52 “00001” is recorded in chronological order as transaction information.
• the transaction information is similarly stored for the electronic money card 7 associated with another card ID.
• the transaction information is recorded in real time in the transaction information database 46.
• the transaction information database is transmitted from the offline terminal 6 in batch processing. There is a time lag until it is recorded on 46.
• the hardware configuration of the online terminal 5 is basically the same as that of the center server 2.
• the online terminal 5 includes a display device for displaying information to a person in charge of the member store 102 or a customer having the electronic money card 7, an audio output device for notifying the processing status by sound such as sound effects, and the like. .
• FIG. 6 is a flowchart for explaining a procedure for performing a payment process on the electronic money card 7.
• card information and transaction information are described together to explain how data is updated on the electronic money card 7 side and the center server 2 side.
• the card information indicates the logical configuration of the data held on the electronic money card 7 side.
• the card information also includes items such as “card ID”, “balance”, “transaction amount”, and “transaction status”.
• the values of the “card ID”, “balance”, “transaction amount”, and “transaction status” are stored in the value processing unit 7a, the balance storage unit 7b, the log data storage unit 7c, and the transaction status holding unit 7e, respectively.
• Information can be used.
• the card information 71 the card ID is 00001, the value balance is 20,000 yen, and the transaction state is set to “transaction completed”.
• the transaction state is set to "transaction completed", which indicates that the processing on the electronic money card 7 side has been completed in the previous processing.
• the customer presents the product to the person in charge of the franchise 102 (the sales clerk) and indicates his intention to purchase.
• the person in charge reads the price of the product using a barcode reader or the like for 9,000 yen. And input it into the online terminal 5 as the payment amount.
• a card confirmation screen as shown in FIG. 22 (a) is displayed on the display device of the online terminal 5.
• the card confirmation screen displays instructions to display the payment amount, such as "Please insert an electronic money card", and prompts you to insert the electronic money card 7 into the reader / writer 5b of the online terminal 5. You.
• the customer sets the electronic money card 7 in the online terminal 5 according to the instructions on the card confirmation screen.
• the electronic money card 7 when the electronic money card 7 is set in the online terminal 5, it is driven by the radio wave of the reader / writer 5b and starts communication with the online terminal 5 (step 104).
• the center server 2 can communicate with the electronic money card 7.
• the display device of the online terminal 5 displays a communication screen as shown in FIG. 22 (b). Thereby, the customer and the person in charge of the member store 102 can recognize that the electronic money card 7 and the center server 2 are communicating.
• the online terminal 5 when the online terminal 5 starts communication with the electronic money card 7, it reads the card ID from the electronic money card 7 and sends it to the center server 2 together with the payment amount (Step 204).
• the online terminal 5 reads the card ID from the electronic money card 7 This is done by inputting a command into the electronic money card 7.
• the note processing unit 7a executes the card ID command, reads the card ID from the card ID storage unit 7d, and returns it to the online terminal 5.
• the center server 2 When the center server 2 receives the information from the online terminal 5, the center server 2 issues a balance / status confirmation request to the electronic money card 7 (step 304).
• This request requests the electronic money card 7 to transmit the value balance and the transaction status, and is performed by transmitting a command for causing the electronic money card 7 to perform these operations.
• the electronic money card 7 receives the balance / status confirmation request from the online terminal 5 and makes a balance / status confirmation response (step 106).
• the value processing unit 7a executes a command transmitted from the online terminal 5, and stores the value balance stored in the balance storage unit 7b and the transaction state stored in the transaction state holding unit 7e. This is performed by transmitting to the center server 2.
• the center server 2 includes the terminal flag receiving means (receives the transaction state of the electronic money card 7).
• the center server 2 receives the value balance and the transaction status from the electronic money card 7.
• the received transaction status and the transaction status of the previous transaction information stored in the transaction information database 46 are confirmed, and whether or not a failure has occurred in the previous transaction is confirmed. If a failure has occurred, the failure is recovered by the method described below. Here, it is assumed that no failure has occurred.
• the center server 2 After confirming the transaction information on the electronic money card 7 and the center server 2 side, the center server 2 generates the transaction information 81 relating to the current processing, stores it in the transaction information database 46, and registers it (step 306). .
• the transaction information 81 the card ID received from the electronic money card 7, the value balance, the transaction amount input by the online terminal 5, and the like are stored. In the figure, other items such as processing contents, serial ID, transaction date and time, etc. are omitted.
• the transaction state of the transaction information 81 is set to “under transaction”. In this way, the transaction state is set to “in transit” when the processing on the center server 2 side is started. Then, when the processing on the side of the center server 2 is completed, “transaction completed” is set.
• the record of the transaction information in the transaction information database 46 is not fixed, but may be invalidated at the time of failure recovery as described later.
• the balance is the value after subtraction in the transaction information 81, but this is used for recovery from a failure, and the completion of the subtraction processing on the side of the center server 2 depends on the transaction state. It is the time when it is set to "transaction completed".
• the center server 2 issues a transaction-subtraction request to the electronic money card 7 (step 308).
• This request is made by transmitting a transaction-in-progress command to the electronic money card 7 and a subtraction command for executing the subtraction of the payment amount.
• the electronic money card 7 transmits both the subtraction command and the in-transaction command in order to make the execution of the subtraction command correspond to the update of the transaction status. That is, by confirming that the transaction state has been updated, it can be confirmed that the subtraction command has been executed by the electronic money card 7.
• both the addition command and the transaction completion command are transmitted to the electronic money card 7 in the subsequent payment processing.
• the electronic money card 7 receives and executes these commands, sets the transaction state to “under transaction”, and reduces the value balance by the payment amount. As a result, the card information 71 is updated to the card information 72. As shown in the figure, in the card information 72, the balance is a value after subtraction of 11,000 yen, and the transaction state is set to “under transaction”.
• the electronic money card 7 sends a subtraction completion notification to the center server 2 indicating that the subtraction has been completed and the transaction state has been set to "transaction" (step 108).
• the center server 2 Upon receiving the subtraction completion notification from the electronic money card 7, the center server 2 sets the transaction state of the transaction information 81 to "transaction completed” and updates the transaction state to the transaction state 82 (step 310).
• the center server 2 completes the subtraction processing on the center server 2 side, and the registration of the transaction information 82 in the transaction information database 46 is determined.
• the center server 2 issues a transaction completion setting request to the electronic money card 7 (step 312). This request is made by sending a transaction completion command to the electronic money card 7.
• the electronic money card 7 receives and executes the transaction completion command, and sets the transaction state to "transaction completed” (step 110). That is, the value of the transaction state is returned from “transaction” to “transaction completed”. As a result, the card information is updated like the card information 73. After executing the transaction completion command, the electronic money card 7 transmits to the center server 2 a transaction completion notification indicating that the transaction state has been set to “transaction completed”.
• the center server 2 Upon receiving the transaction completion notification from the electronic money card 7, the center server 2 transmits a transaction completion notification indicating that the processing with the electronic money card 7 has been completed to the online terminal 5.
• the online terminal 5 receives the transaction completion notification from the center server 2 and confirms that the processing has been completed (step 206).
• the online terminal 5 displays a payment and completion screen as shown in FIG. 22 (c) on the display device together with a sound effect indicating the success of the processing.
• the card ID, payment amount, and value balance after payment are displayed.
• the points where a failure may occur in the communication between the electronic money card 7 and the center server 2 include step 106 (referred to as failure 1 and the same hereinafter), step 308 ( There are fault 2), step 108 (fault 3), step 312 (fault 4), and step 110 (fault 5).
• FIG. 7 is a flowchart for explaining a processing procedure when failure 1 occurs.
• the steps corresponding to the flowchart of FIG. 6 will be assigned the same step numbers, and the description will be simplified or omitted.
• the center server 2 detects the failure 1 (Step 316). .
• the electronic money system 1 detects a failure due to a timeout. That is, the center server 2 measures the time until a response is received from the electronic money card 7, and determines that a failure has occurred if there is no response within a predetermined time. Note that this is an example, and a failure may be detected by another method.
• the center server 2 Upon detecting the failure 1, the center server 2 transmits a transaction failure notification indicating that the processing has failed to the online terminal 5 (step 318).
• the online terminal 5 receives the transaction failure notification from the center server 2 and confirms that the processing has failed (step 208).
• the online terminal 5 displays an error occurrence screen as shown in FIG. 22 (d) together with a sound effect indicating the transaction failure.
• the electronic money system 1 requests the balance check when an error occurs, and recovers from the trouble with the balance check process!
• the center server 2 confirms the transaction status of the electronic money card 7 and the center server 2 to confirm whether or not a failure has occurred in the previous processing. If a failure occurs, the balance is confirmed if the failure occurs, and if a failure occurs, the balance is confirmed after performing the recovery process.
• the center server 2 first checks whether or not a failure has occurred in the previous processing, and the failure has occurred. In case of! / ⁇ , recover this and pay!! / ⁇ process, and there is! / !, continue payment process.
• step 308 failure 2
• step 108 failure 3
• the center server 2 detects this (step 320) and sends a transaction failure notification to the online terminal 5 (step 320). 322).
• the online terminal 5 receives the transaction failure notification, confirms the failure, and displays an error occurrence screen together with a sound effect (step 210).
• the card information becomes the card information 71
• the card information becomes the card information 72
• the transaction information becomes the transaction information 81 in both cases of the obstacle 2 and the obstacle 3.
• the transaction status between the card information and the transaction information is matched when the failure 2 occurs (transaction completed, under transaction), and when the failure 3 occurs (transaction, under transaction).
• FIG. 9 is a flowchart for explaining a recovery processing procedure when failure 2 occurs.
• This process is started when the person in charge of the member store 102 requests confirmation of the balance of the electronic money card 7 according to the instruction on the error occurrence screen on the online terminal 5.
• the person in charge sets the electronic money card 7 in the reader / writer 5b and starts communication between the electronic money card 7 and the online terminal 5 (step 104). Since the card 7 is set in the online terminal 5, the process continues to the balance check processing as it is), and requests the balance confirmation to the center server 2 by pressing the balance confirmation button provided in the online terminal 5 (step). 205).
• the center server 2 receives the balance confirmation request from the online terminal 5 and makes a balance 'state confirmation request to the electronic money card 7 (step 304). In contrast, the electronic money card 7 A balance 'status confirmation response is made (step 106). Next, the center server 2 confirms the combination of the transaction state transmitted from the electronic money card 7 by the balance / state confirmation response and the transaction state of the previous transaction information 81.
• the center server 2 Determines that the previous process was interrupted by Failure 2.
• the center server 2 performs state recovery by setting the transaction state of the transaction information 81 to "transaction recovery".
• the center server 2 is configured to treat the transaction information whose transaction status is set to “transaction recovery” as invalid, and as a result, the transaction information 80 of the last previous transaction is sent to the electronic money card 7. The latest transaction information.
• the center server 2 recovers from the failure by updating the previous transaction information 81 to the previous transaction information 80 (step 324).
• the center server 2 After updating the transaction information, the center server 2 transmits a failure recovery notification indicating that the failure recovery has been performed to the online terminal 5 (step 326).
• the online terminal 5 receives this and confirms that the fault has been recovered (step 212).
• the value balance of the electronic money card 7 is transmitted as a failure recovery notification, and the online terminal 5 displays the know balance. In other words, the fault is recovered together with the confirmation of the balance.
• the card information remains as it was before the update. Therefore, by returning the transaction information to the one before the update, the consistency between the two can be obtained.
• FIG. 10 is a flowchart for explaining a recovery processing procedure when failure 3 occurs.
• Steps 104 to 106 are the same as in the case of failure 2.
• the center server 2 checks the combination of the transaction status transmitted from the electronic money card 7 and the transaction status of the previous transaction information 81, and determines that the combination of the transaction status is (transaction, transaction). , And the previous transaction was a payment transaction, so the previous transaction was an obstacle 3 Is determined to have been interrupted.
• the center server 2 returns to the electronic money card in the previous processing.
• An addition command for adding the amount of money subtracted in step 7 is generated and transmitted to the electronic money card 7 together with the transaction completion command (step 328).
• the electronic money card 7 executes the addition command, calculates the calorific value of the value subtracted the previous time, and sets the transaction state to “transaction completed”. Then, an addition process and an addition completion notification indicating that "transaction completed" has been set are transmitted to the center server 2 (step 112).
• the card information is updated from the card information 72 to the card information 71.
• the center server 2 When the center server 2 receives the notification of completion of the addition from the electronic money card 7, the center server 2 updates the transaction information by setting the transaction state of the transaction information 81 to “transaction recovery” as in the case of the failure 2 (step 330). As a result, the last transaction information 80 is treated as the latest transaction information.Next, the center server 2 sends a failure recovery notification to the online terminal 5 (step 332), and the online terminal 5 confirms that the failure has been recovered. (Step 214).
• the electronic money card 7 performs the subtraction, so that the value reduced to the electronic money card 7 is used. By returning the state, it is possible to return to the state before the occurrence of the failure.
• FIG. 11 is a flowchart illustrating a processing procedure when failure 4 and failure 5 occur.
• Steps 104 to 310 are the same as the flowchart of FIG.
• the center server 2 After updating the transaction information to the transaction information 82 (step 310), the center server 2 sends a transaction completion command to the electronic money card 7 (step 312).
• the center server 2 detects that any of these failures has occurred (step 334), and notifies the online terminal 5 of the transaction failure. Is performed (step 336).
• the online terminal 5 displays an error occurrence screen on the display device together with a sound effect indicating that the transaction processing has failed (step 216).
• the card information becomes card information 72 when failure 4 occurs, and becomes card information 73 when failure 5 occurs.
• the transaction information is transaction information 82 in each case.
• the combination of the transaction states is (transaction, transaction completed) in the case of obstacle 4, and (transaction completed, transaction completed) in the case of obstacle 5.
• FIG. 12 is a flowchart for explaining a recovery processing procedure when failure 4 occurs.
• Steps 104 to 106 are the same as in the case of failure 2.
• the center server 2 confirms the combination of the transaction status transmitted from the electronic money card 7 and the transaction status of the previous transaction information 82, and determines that the combination of the transaction status is (transaction, transaction completed). , And the previous transaction was a payment transaction,
• the center server 2 sends a transaction completion setting request to the electronic money card 7 (step 338).
• This transaction completion setting request is made by transmitting a transaction completion command to the electronic money card 7.
• the electronic money card 7 receives and executes the transaction completion command, and sets the transaction state of the card information 72 to "transaction completed". As a result, the card information is updated from the card information 72 to the card information 73.
• the electronic money card 7 transmits a transaction completion notification to the center server 2 (step 114).
• FIG. 13 is a flowchart for explaining a recovery processing procedure when failure 5 occurs.
• Steps 104 to 106 are the same as in the case of failure 2.
• the center server 2 checks the combination of the transaction state transmitted from the electronic money card 7 and the transaction state of the previous transaction information 82, and the combination of the transaction states is (transaction completed, transaction completed). In addition, since the previous transaction was payment processing, it is determined that the previous processing was interrupted by the failure 5.
• the center server 2 transmits a failure recovery notification to the online terminal 5 without performing any recovery processing (step 342), and the online terminal 5 confirms that the failure has been recovered (step 220).
• FIG. 14 is a flowchart for explaining the procedure of the deposit processing.
• the customer In the case of deposit processing, the customer first gives cash of 9,000 yen to the person in charge of the member store 102, and requests deposit of 9,000 yen.
• the person in charge receives 9,000 yen in cash from the customer and inputs the 9,000 yen into the online terminal 5 as a deposit amount.
• a card confirmation screen is displayed on the display device of the online terminal 5, and the customer sets the electronic money card 7 on the reader / writer 5b according to the instructions on the screen.
• the electronic money card 7 When the electronic money card 7 is set in the online terminal 5, it is driven by radio waves radiated from the reader / writer 5b of the online terminal 5, and starts communication with the online terminal 5 (step 504).
• the center server 2 Communication with the single card 7 is enabled, and a communication screen is displayed on the display device of the online terminal 5.
• the online terminal 5 When the online terminal 5 starts communication with the electronic money card 7, it reads the card ID from the electronic money card 7 and sends it to the center server 2 together with the deposit (step 604).
• the center server 2 Upon receiving these pieces of information, the center server 2 issues a balance / status confirmation request to the electronic money card 7 (step 704).
• the electronic money card 7 receives this and performs a balance 'state confirmation response (step 506).
• the center server 2 Upon receiving the balance and status confirmation response from the electronic money card 7, the center server 2 checks whether or not a failure has occurred in the previous processing, and if a failure has occurred, recovers it. To continue processing. The failure recovery processing will be described later, and here it is assumed that no failure has occurred.
• the center server 2 After confirming that no failure has occurred in the previous processing, the center server 2 generates transaction information 86 relating to this processing and registers it in the transaction information database 46 (step 706).
• the balance is the amount after the deposit, but the transaction state is set to “transaction”, and the registration in the transaction information database 46 has not been finalized yet. That is, the addition processing has not been completed in the center server 2 yet.
• center server 2 issues an in-transaction setting request to electronic money card 7 (step 708).
• the electronic money card 7 sets the transaction state to "transaction” in response to the transaction setting request, and transmits a transaction setting notification to the center server 2 (step 508). As a result, the card information 76 is updated to the card information 77.
• center server 2 Upon receiving the in-transaction setting notification from electronic money card 7, center server 2 sets the transaction state to "transaction completed", and thereby updates transaction information 86 to transaction information 87 (step 710). .
• the center server 2 issues a transaction completion setting 'addition request to the electronic money card 7 (step 714). This is performed by transmitting both the addition command for adding the amount of deposit and the transaction completion command to the electronic money card 7.
• the electronic money card 7 receives these commands, executes the addition command, increases the value balance by 9,000 calories, and sets the transaction state to “transaction completed”. Then, an addition completion notification indicating that the addition processing and “transaction completion” have been set is transmitted to the center server 2 (step 510).
• the card information 77 is updated to the card information 78.
• the credit information of the card information 78 is 29,000 yen, and the transaction status is set to “transaction completed”.
• the center server 2 Upon receiving the addition completion notification from the electronic money card 7, the center server 2 transmits a transaction completion notification to the online terminal 5 (step 716).
• the online terminal 5 receives the transaction completion notification from the center server 2 and confirms that the processing has been completed (step 606).
• the online terminal 5 displays a payment completion screen on the display device together with a sound effect indicating a successful processing.
• Step 506 (Failure 6), Step 708 (Failure 7), There are Step 508 (Failure 8), Step 714 (Failure 9) and Step 510 (Failure 10).
• step 704 the processing in this case is the same as that of the failure 6 because of the possibility that a failure may occur in step 704, and a description thereof will be omitted.
• FIG. 15 is a flowchart for explaining a processing procedure when a failure 6 occurs.
• steps corresponding to the flowchart in FIG. 15 are assigned the same step numbers to simplify or omit the description. I will.
• the center server 2 detects the failure 6 (step 718). ).
• the center server 2 When the center server 2 detects the failure 6, the center server 2 sends a transaction failure notification indicating that the transaction processing has failed to the online terminal 5 (step 720).
• the online terminal 5 receives the transaction failure notification from the center server 2 and confirms that the processing has failed (step 608).
• the online terminal 5 displays an error occurrence screen together with a sound effect indicating a transaction failure.
• the error occurrence screen is notified that balance confirmation is instructed, and the person in charge of the member store 102 performs balance confirmation processing of the electronic money card 7.
• the card information 76 has not been processed, and the center server 2 is not registered with the transaction information, so that it is not necessary to perform the recovery processing. Therefore, if a failure 6 occurs, the balance is confirmed without performing recovery processing. Then, the person in charge of the member store 102 first performs the processing after checking the balance.
• FIG. 16 is a flowchart for explaining a processing procedure when the failure 7 and the failure 8 occur.
• step 708 If a failure occurs in step 708 (failure 7) or step 508 (failure 8), the center server 2 detects this (step 718) and sends a transaction failure notification to the online terminal 5 (step 718). 720).
• the online terminal 5 receives the transaction failure notification, confirms the failure, and displays an error occurrence screen together with a sound effect (step 608).
• the card information becomes the card information 76
• the card information becomes the card information 77
• the transaction information becomes the transaction information 86 in both cases of the obstacle 7 and the obstacle 8.
• FIG. 17 is a flowchart for explaining a recovery processing procedure when failure 7 occurs.
• This process is started when the person in charge of the member store 102 requests confirmation of the balance of the electronic money card 7 according to the instruction on the error occurrence screen on the online terminal 5.
• the person in charge sets the electronic money card 7 in the reader / writer 5b and starts communication between the electronic money card 7 and the online terminal 5 (step 504). Since the card 7 is set in the online terminal 5, the process continues to the balance check processing as it is), and requests the balance confirmation to the center server 2 by pressing the balance confirmation button provided in the online terminal 5 (step). 605).
• the center server 2 receives the balance confirmation request from the online terminal 5, and makes a balance 'state confirmation request to the electronic money card 7 (step 704).
• a balance 'status confirmation response is made (step 506).
• the center server 2 confirms the combination of the transaction status transmitted from the electronic money card 7 by the balance / status confirmation response and the transaction status of the previous transaction information 86.
• the center server 2 performs the previous processing. Judge that it was interrupted by failure 7.
• the center server 2 sets the transaction state of the transaction information 86 to “transaction recovery”, and updates the transaction information 86 to the transaction information 88.
• the center server 2 treats the transaction information whose transaction status is set to “transaction recovery” as invalid, so that the transaction information 85 from the previous time is restored as the latest transaction information. In other words, the center server 2 recovers from the failure by updating the previous transaction information 86 to the previous transaction information 85 (step 722).
• the center server 2 After updating the transaction information, the center server 2 transmits a failure recovery notification indicating that the failure recovery has been performed to the online terminal 5 (step 724).
• the online terminal 5 receives this and confirms that the failure has been recovered (step 610).
• the person in charge of the member store 102 checks the balance, and then executes the deposit processing again from the beginning.
• FIG. 18 is a flowchart for explaining a recovery processing procedure when failure 8 occurs.
• Steps 504 to 506 are the same as failure 7.
• the center server 2 checks the combination of the transaction state transmitted from the electronic money card 7 and the transaction state of the previous transaction information 86, and determines that the combination of the transaction states is (transaction, transaction in progress). In addition, since the previous transaction was the payment processing, it is determined that the previous processing was interrupted due to the failure 8.
• failure 8 occurs, neither the electronic money card 7 nor the center server 2 has completed the addition processing, and the failure recovery is performed by returning the card information and the transaction information to the state before the payment processing. .
• the center server 2 issues a transaction completion setting request to the electronic money card 7 (step 726). This request is made by transmitting a transaction completion command to the electronic money card 7.
• electronic money card 7 sets the transaction state to “transaction completed” and transmits a transaction completion setting notification to center server 2 (step 512).
• the card information is returned from the card information 77 to the card information 76.
• the center server 2 When the center server 2 receives the transaction completion notification from the electronic money card 7, the center server 2 sets the transaction status of the transaction information 86 to “transaction recovery” and updates the transaction status with the transaction information 88 (step 728). As a result, the transaction information 88 becomes invalid transaction information, and the previous transaction information 85 is restored as the latest transaction information.
• the center server 2 sends a processing recovery notification to the online terminal 5 (step 730), and the online terminal 5 confirms that the failure has been recovered (step 612).
• FIG. 19 is a flowchart for explaining a processing procedure when a failure 9 and a failure 10 have occurred.
• Steps 504 to 710 are the same as the flowchart of FIG.
• the center server 2 After updating the transaction information to the transaction information 87 (step 714), the center server 2 sends a transaction completion command and an addition command to the electronic management card 7 (step 714). [0150] Thereafter, when a failure 9 or a failure 10 occurs, the center server 2 detects that any of these failures has occurred (step 732), and notifies the online terminal 5 of a transaction failure (step 732). Step 734).
• the online terminal 5 displays an error occurrence screen on the display device together with a sound effect indicating that the transaction processing has failed (step 614).
• the card information becomes card information 77 when failure 9 occurs, and becomes card information 78 when failure 10 occurs.
• the transaction information is the transaction information 87.
• FIG. 20 is a flowchart for explaining a recovery processing procedure when failure 9 occurs.
• Steps 504 to 506 are the same as in the case of failure 6.
• the center server 2 checks the combination of the transaction status transmitted from the electronic money card 7 and the transaction status of the previous transaction information 87, and determines that the combination of the transaction status is (transaction, transaction completed). In addition, since the previous transaction was the payment processing, it is determined that the previous processing was interrupted by the failure 9.
• the center server 2 makes a transaction completion setting 'addition request to the electronic money card 7 again (step 736).
• the electronic money card 7 performs the addition processing in response to this, sets the transaction state to "transaction completed”, and transmits a notification of the completion of the addition to the center server 2 (step 514).
• the card information 77 is updated to the card information 78.
• the center server 2 After receiving the notification of completion of addition, the center server 2 sends a failure recovery notification to the online terminal 5 (step 738), and the online terminal 5 receives the notification and confirms that the failure 9 has been recovered (step 616). ).
• the electronic money card 7 when performing the payment processing, performs the subtraction processing (step 108 in FIG. 6), and then the center server 2 performs the subtraction processing. (Step 310 in FIG. 6)
• the addition processing is performed by the center server 2 (Step 710 in FIG. 14), and then the addition is performed by the electronic money card 7 (Step 510 in FIG. 14). ).
• the processing to the electronic money card 7 is not a subtraction processing, so that the customer can use the electronic money card 7 with peace of mind.
• the failure recovery is performed at the time of checking the balance. However, neither the customer nor the person in charge of the member store 102 notices that the failure has occurred, and the failure recovery is performed. May not be performed.
• the center server 2 confirms whether or not a failure has occurred in the previous processing prior to these processing during payment processing and payment processing. In this transaction, he will be able to recover from failures and deal with power.
• an electronic money card 7 that has not been subjected to failure recovery (hereinafter, referred to as an unrecovered card) is used in the offline terminal 6.
• the unrecovered card When paying with the offline terminal 6 using the unrecovered card, it can be used without any particular restrictions. Regardless of the failure, the balance of the value stored on the unrecovered card is less than the customer's original balance, so there is no inconvenience even if subtracted from it. .
• the center server 2 can use the unrecovered card at the offline terminal 6 to make a payment, and then set the unpaid card in the online terminal 5 to recover the failure. .
• the value balance that can be stored by the electronic money card 7 has an upper limit, if the unrecovered card is deposited, the value balance may exceed the upper limit. Is 50,000 yen. And the value currently stored in the unrecovered card is 40,000 yen, but if the fault is recovered, 5,000 yen will be added.
• the offline terminal 6 checks whether or not the electronic money card 7 is an unrecovered card before depositing the electronic money card 7, and restricts the deposit if the electronic money card 7 is an unrecovered card. I have.
• FIG. 21 is a flowchart for explaining a procedure for depositing the electronic money card 7 with the offline terminal 6.
• the offline terminal 6 constitutes an operation instruction input device as described below.
• the electronic money card 7 is set in the reader / writer of the offline terminal 6.
• the person in charge of the member store 102 inputs the deposit amount to the offline terminal 6 (step 904).
• the offline terminal 6 makes a balance / status confirmation request to the electronic money card 7 (step 906).
• a confirmation response is made (step 804).
• the center server 2 receives the transaction status from the electronic money card 7, which corresponds to the terminal flag receiving means.
• Offline terminal 6 determines whether the transaction status received from electronic money card 7 is "transaction completed” or "in transaction” (step 908).
• step 908 When the transaction status is “transaction completed” (step 908; Y), the offline terminal 6 generates an addition command, inputs the command to the electronic money card 7, and performs a payment process (step 806).
• the offline terminal 6 issues an alarm without performing the payment processing (step 1000).
• Such an off-line terminal 6 is provided with an addition command generation means and an addition command input means for restricting the input to the electronic money card 7 when the transaction state is “under transaction”.
• the offline terminal 6 can determine whether or not the electronic money card 7 is an unrecoverable card by checking the transaction state of the electronic money card 7, and If it is a mode, the deposit processing is restricted (in the present embodiment, the deposit processing is not performed at all).
• the upper limit of the amount that can be deposited at the offline terminal 6 can be dynamically restricted in anticipation of the amount that may be added due to the recovery from the failure.
• the added amount is the amount stored in the “transaction amount”.
• this amount of power may or may not be added to the S-value balance, but the offline terminal 6 adds the balance at least for this amount to be added. It is clear that there is a possibility.
• the offline terminal 6 may set the amount obtained by subtracting the upper limit value as the upper limit value of the electronic money force 7.
• recovery can be performed if it is at least as low as the force that occurred after the operation was performed by the electronic money card 7, or if the failure occurred before. Therefore, here, conditions for that are considered.
• Step 1 to Step 4 there are communication timings of Step 1 to Step 4.
• the center server 2 transmits the transaction-in-progress command in step 1, receives the transaction-in-progress setting notification in step 2, transmits the transaction completion command in step 3, and completes the transaction in step 4. Receive a notification of completion.
• FIG. 23 (a) shows a case where the operation command is transmitted in step 1.
• Step 2 and Step 3 the transaction status of the electronic money card 7 is "transaction". That is, if it is known that the transaction state of the electronic money card 7 is “in transaction”, it is understood that a failure has occurred in the electronic money card 7 after the arithmetic processing. Therefore, it is not necessary to identify Step 2 and Step 3.
• Step 1 If the transaction state of the electronic money card 7 is "transaction completed", whether a failure has occurred before the arithmetic processing (Step 1) or whether a failure has occurred after the arithmetic processing (Step 4) ) Cannot be identified. Therefore, if the transaction state of the center server 2 is inverted (odd number of times) between steps 1 to 4, the fault in step 1 and the fault in step 4 can be distinguished.
• reversing the transaction state means setting the transaction state to “transaction completed” ⁇ “transaction” or “in transaction” ⁇ “transaction completed”.
• FIG. 23 (b) shows a case where an operation command is transmitted in step 3.
• the transaction information of the electronic money card 7 is “under transaction”, it is known that a failure has occurred before the arithmetic processing.
• step 1 the transaction information is ⁇ transaction completed ''
• this alone can identify whether a failure has occurred before the computation processing (step 1), or if there is a failure after the computation processing (step 4). Can not. Therefore, by reversing the transaction status of the center server 2 between step 1 and step 4, it is possible to identify where the failure occurred. At the time of the reversal, the value balance stored in the center server 2 is also updated.
• the transaction status of the electronic money card 7 is set to "transaction” or "transaction completed”.
• the transaction status of the center server 2 is reversed until the transaction completion command is sent to the electronic money card 7 (step 1) and the transaction completion notification is received (step 4). Then, at the time of reversal, the value balance stored in the center server 2 should be updated.
• the center server 2 transmits a transaction-in-progress command for reversing the transaction state of the electronic money card 7, and the electronic money card 7 executes this to change the transaction state to “transaction”.
• the transaction completion command is transmitted to the electronic money card 7 to return the transaction state of the electronic money card 7 to ⁇ transaction completed ''.
• the transaction status of the center server 2 is reversed between the time when the transaction status is transmitted to the electronic money card 7 and the time when the transaction status of the electronic money card 7 is returned to ⁇ transaction completed ''. Or return, and at that time, confirm the balance update of the center server 2.
• the electronic money system 1 can be variously modified.
• the failure that has occurred can be identified from the combination of the transaction status of the electronic money card 7 and the center server 2.
• the transaction information of the center server 2 is updated after subtraction by the electronic money card 7, and in the case of payment processing, the transaction information of the center server 2 is updated after the transaction information is updated in the center server 2. Since the addition process is performed in step 7, the recovery process can be performed on the electronic money card 7 by the addition process in any case.
• the transaction state is set to “transaction”, so that the unrecovered card can be identified by the offline terminal 6.
• the online terminal 5 may be configured by a personal computer connectable to the Internet and installed at the customer's home. In this case, even if the customer goes to the member store 102 without noticing that the processing of the electronic money card 7 has failed in the communication at home, the failure can be recovered by the online terminal 5.
• the center server 2 transmits the addition command and the subtraction command to the electronic management card 7, and the electronic money card 7 executes these commands to update the stored balance.
• the calculation of the power balance may be performed by the center server 2.
• the center server 2 acquires the balance stored in the electronic money card 7 from the electronic money card 7, performs an addition / subtraction process on the balance, and calculates the amount after the addition / subtraction process. Then, the center server 2 transmits the calculated amount to the electronic money card 7, and the electronic money card 7 updates the stored balance to the amount received from the center server 2.
• the addition and subtraction processing may be performed by the center server 2 or the electronic money card 7, or the addition may be performed by the center sano 2 and the subtraction may be performed by the electronic money card 7. Alternatively, one of the addition and subtraction may be performed by the center server 2 and the other may be performed by the electronic management card 7.
• the center server 2 sends an addition command and a subtraction command to the electronic money card 7 and performs addition and subtraction with the electronic money card 7, the addition command and the subtraction command constitute the amount change information.
• the center server 2 calculates the amount after addition and subtraction, and the electronic money card 7 updates the amount using this, the amount after addition and subtraction that the center server 2 transmits to the electronic money card 7 corresponds to the amount change information. I do.
• the value processing unit 7a uses the amount change information to change the balance amount to the amount change process. Construct a means for changing the amount of money!
• the center server 2 includes an amount change information transmitting means for transmitting amount change information such as an operation command and an amount after the operation!
• the offline terminal 6 constitutes an amount change information input device.
• the offline terminal 6 has the ability to acquire the deposit amount in step 904.
• step 806 the offline terminal 6 performs a depositing process in step 806, which constitutes an amount change information generating means for generating amount change information for increasing the monetary value by the input amount of increase.
• the offline terminal 6 inputs the generated amount change information to the electronic money card 7, and when the transaction state is "in transaction". Is provided with money amount change information input means for restricting the input of money amount change information.
• FIG. 1 is a diagram for explaining an outline of a procedure for setting a flag.
• FIG. 2 is a block diagram showing a configuration of an electronic money system.
• FIG. 3 is a block diagram showing a hardware configuration of the electronic money card.
• FIG. 4 is a block diagram showing a hardware configuration of a center server.
• FIG. 5 is a diagram showing an example of transaction information.
• FIG. 6 is a flowchart for explaining a procedure of a payment process.
• FIG. 7 is a flowchart for explaining a processing procedure when a failure 1 occurs.
• FIG. 8 is a flowchart for explaining a processing procedure when a failure 2 and a failure 3 occur.
• FIG. 9 is a flowchart for explaining a recovery processing procedure when a failure 2 occurs
• FIG. 10 is a flowchart for explaining a recovery processing procedure when a failure 3 occurs.
• FIG. 11 is a flowchart for explaining a processing procedure when a failure 4 and a failure 5 occur.
• FIG. 12 A flowchart for explaining a recovery processing procedure when a failure 4 occurs.
• FIG. 13 A flowchart for explaining a recovery processing procedure when a failure 5 occurs.
• Payment processing 6 is a flowchart for explaining the procedure of FIG.
• FIG. 15 is a flowchart for explaining a processing procedure when a failure 6 occurs.
• FIG. 16 is a flowchart for explaining a processing procedure when a failure 7 and a failure 8 occur.
• FIG. 17 is a flowchart for explaining a recovery processing procedure when a failure 7 occurs
• FIG. 18 is a flowchart for explaining a recovery processing procedure when a failure 8 occurs
• FIG. 19 is a flowchart for explaining a processing procedure when a failure 9 and a failure 10 occur.
• FIG. 20 is a flowchart for explaining a recovery processing procedure when a failure 9 occurs.
• FIG. 22 is a diagram for describing a screen displayed on the online terminal.
• FIG. 23 is a diagram for explaining conditions necessary for performing failure recovery.

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• 2005
  • 2005-04-26 JP JP2006512630A patent/JP5158928B2/ja not_active Expired - Lifetime
  • 2005-04-26 US US11/587,526 patent/US20070226135A1/en not_active Abandoned
  • 2005-04-26 WO PCT/JP2005/007867 patent/WO2005103975A1/ja not_active Ceased
  • 2005-04-26 EP EP05737295A patent/EP1770614A4/en not_active Ceased
  • 2005-04-26 CN CNA2005800132122A patent/CN1947140A/zh active Pending
  • 2005-04-26 TW TW094113295A patent/TW200540671A/zh unknown
• 2011
  • 2011-04-18 JP JP2011092484A patent/JP5258124B2/ja not_active Expired - Lifetime

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