WO2007148750A1

WO2007148750A1 - Information processing device, and information processing method

Info

Publication number: WO2007148750A1
Application number: PCT/JP2007/062491
Authority: WO
Inventors: Koji Ito
Original assignee: Bitwallet, Inc.
Priority date: 2006-06-23
Filing date: 2007-06-21
Publication date: 2007-12-27
Also published as: JP5076122B2; JP2008003950A

Abstract

It is an object to restrict applications of electronic money to proper ones. Electronic money cards (6) (Fig. 1) are divided into groups and an identification code showing each group is stored in the electronic money card (6). On one hand, an identification code for an electronic money card to carry out payment processing is stored in an electronic money terminal device (8). When the electronic money terminal device (8) accesses to the electronic money card (6) for the payment processing, the electronic money terminal device (8) reads out the identification code of the electronic money card (6) and compares the same with that stored by itself. When both of them are consistent with each other, the electronic money terminal device (8) communicates with the electronic money card (6) to carry out the payment processing. When both of them are inconsistent, the electronic money terminal device (8) issues an error message and does not carry out the payment processing.

Description

Specification

Information processing apparatus and information processing method

Technical field

[0001] The present invention relates to an information processing apparatus and an information processing method, and for example, relates to an apparatus for changing the amount of electronic money.

Background

[0002] For the purpose of protecting and supporting vulnerable people, various public support is provided such as welfare and child allowance.

A subsidy is transferred to the welfare person's deposit account every month by a public institution, and the welfare person uses the subsidy to make a living.

[0003] By the way, in recent years, the use of electronic money has become widespread, and the money can be used as a substitute for cash by increasing or decreasing the amount of money value called “knock” stored in the IC chip. Has been done.

There are the following documents as techniques relating to such electronic money.

Patent Document 1: Japanese Patent Laid-Open No. 2003-141428

[0004] This technology stores electronic money by storing a value in a non-contact type IC card carried by a user and adding / subtracting the value.

Disclosure of the invention

Problems to be solved by the invention

[0005] While receiving welfare, there is a problem of using it for purposes deviating from the original purpose, such as gambling and entertainment. However, it was difficult to understand how the subsidy was used, and it was not possible to confirm that the subsidy was being used appropriately.

And no attempt has been made to apply electronic money management technology to the appropriate use of subsidies.

Therefore, an object of the present invention is to limit the use of electronic money to an appropriate use.

Means for solving the problem

In order to achieve the above object, the present invention provides the ro information and the group according to claim 1. An ID storage device that stores loop information, an amount storage device that is associated with the above-mentioned I-blue information, and stores the monetary value amount as electronic data, and from the above-mentioned ID storage device, the I-blue information and the loop information The electronic money system configured using a reading device that reads the amount and a money amount changing device that changes the amount stored in the money amount storage device associated with the read I blueprint. The information processing apparatus is an HD information acquisition means for acquiring HD information and group information read by the reading device from the reading device, and the reading device is combined with the acquired group information. A determination means for determining whether or not to change the amount stored in the amount storage device associated with the ro information, and the amount change when it is determined by the determination means to change the amount. Equipment An information processing apparatus comprising: permission means for permitting a change in the amount. The invention according to claim 2, further comprising group information registration means for registering group information, and the determination means. The information processing apparatus according to claim 1, wherein the information processing apparatus determines whether or not to permit the change of the stored amount by referring to the acquired group information and the registered group information. .

In the invention according to claim 3, an ID storage device storing information and group information, a money storage device associated with the ID and storing a monetary value as electronic data, and ro from the ID storage device An electronic money system configured using a reading device that reads information and gnole information, and an amount change device that changes the amount stored in the amount storage device that is associated with the read I blueprint An information processing method performed by an information processing apparatus used, wherein the information processing apparatus includes an information acquisition unit, a determination unit, and a permission unit, and the ro information acquisition unit causes the reader to An HD information acquisition step for acquiring HD information and group information read by the reader, and a combination of the reader and the acquired gnole information by the determination means, A determination step for determining whether or not to change the amount stored in the amount storage device associated with the read information, and the permission means determines that the determination means changes the amount. In this case, an information processing method is provided which includes a permission step for permitting the money amount changing device to change the money amount and a power step. The invention's effect

[0008] According to the present invention, the use of electronic money can be limited to an appropriate use using the type of electronic money card.

Brief Description of Drawings

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

FIG. 2 is a diagram for explaining the configuration of an electronic money card.

FIG. 3 is a diagram showing a hardware configuration of an electronic money terminal.

FIG. 4 is a flowchart for explaining a payment procedure using an electronic money card.

FIG. 5 is a flowchart for explaining a procedure for charging subsidies to an electronic money card.

FIG. 6 is a diagram showing a network configuration of an electronic money system according to a second embodiment.

FIG. 7 is a diagram for explaining the configuration of a database.

FIG. 8 is a flowchart for explaining a payment procedure using an electronic money card. Explanation of symbols

[0010] 1 Electronic money system

2 Electronic money server

3 member stores

6 Electronic money card

8 Electronic money terminal

BEST MODE FOR CARRYING OUT THE INVENTION

[0011] (1) Outline of Embodiment

Electronic money cards 6 (FIG. 1) are grouped, and a type code indicating each group is stored in electronic money card 6. On the other hand, the electronic money terminal 8 stores the type code of the electronic money card 6 that can perform payment processing. Some or all of the electronic money function unit IDs can be used for these type codes. When the electronic money terminal 8 accesses the electronic money card 6 for settlement processing, the electronic money terminal 8 reads the type code of the electronic money card 6 and compares it with the type code stored by itself.

If the two match, the electronic money terminal 8 communicates with the electronic money card 6 to perform payment processing. If they do not match, the electronic money terminal 8 issues an error message and does not perform payment processing.

Thus, in the present embodiment, the electronic money terminals 8 that can be used by the electronic money card 6 can be restricted. Therefore, the use of subsidies matched the purpose of subsidies by installing electronic money terminals 8 that can use electronic money cards 6 with subsidies at member stores 3 that match the purpose of subsidies. Can be limited to things.

[0012] (2) Details of the embodiment

(First embodiment)

FIG. 1 is a diagram showing a network configuration of the electronic money system 1.

The network configuration of the present embodiment is composed of electronic money server 2, electronic money cards 6a and 6b, electronic money terminals 8a, 8b,... Installed in member stores 3, 3,.

If there is no particular distinction between electronic money terminals and electronic money cards, they are simply referred to as electronic money terminal 8 and electronic money card 6.

[0013] The electronic money card 6 includes an IC chip and an antenna for the IC chip to communicate with the electronic money terminal 8.

This IC chip is capable of increasing (charging) and decreasing (settling) the value stored in the IC chip by performing short-range wireless communication with the electronic money terminal 8. It is summer. Electric power for driving the IC chip is supplied from the electronic money terminal 8 by radio.

In the present embodiment, this IC chip is a non-contact type (a type that accepts access wirelessly), but a contact type (a type that accepts access by electrode contact) may be used.

Here, the knowledge is a concept corresponding to money in the electronic money system 1, and is money information that represents an amount of money value as electronic data. When the operator of the electronic money system 1 issues value, it collects the currency of the corresponding amount from the user of the electronic money card 6 (hereinafter referred to as the user) and pays it to the member store 3 that has settled with the money. By distributing this according to the settlement amount, the value and currency are matched.

It is also possible to adopt a form in which a business entity called “Issure” issues value and operates the electronic money system 1 operator power S value.

If an issuer exists, the electronic money card 6 can store an issuer code that identifies the issuer. A part or all of the issuer code can be used as a type code.

[0015] The electronic money card 6 is divided into groups such as general use, subsidy (eg, welfare protection), and so on, and a type code for identifying the group is stored in the IC chip. .

For example, the type code “00” represents a general electronic money card, and the type code “01” represents a subsidy electronic money card.

In the example of FIG. 1, the type code “01” is set for the electronic money card 6a, the type code “00” is set for the electronic money card 6b, and the electronic money card 6a is used for subsidies. 6b is for general use.

The electronic money terminal 8 is an access terminal that accesses the electronic money card 6, and can be identified by the terminal ID.

The electronic money terminal 8 is, for example, placed in the member store 3 alone or incorporated in an accounting device (cash register).

The electronic money terminal 8 includes a reader / writer unit 9 with a built-in antenna that communicates with the electronic money card 6, and can perform short-range wireless communication with the electronic money card 6. Can be charged and settled to the electronic money card 6.

[0017] The electronic money terminal 8 stores transaction information recording the processing contents with the electronic money card 6, and transmits the transaction information to the electronic money server 2 by batch processing, for example, once a day. This transaction information is analyzed by the electronic money server 2 to establish a correspondence between value and currency. Or used for other purposes.

[0018] In the electronic money terminal 8, the type code of the electronic money card 6 that can send and settle the amount change information is set in advance, and the electronic money card of the type code that is not set

6 is not sent money amount change information.

The type code is set by the electronic money server 2 via the network, but the member store 3 may be set manually.

[0019] In the example of FIG. 1, the type codes “00” and “01” are set in the electronic money terminal 8a installed in the member store 3 (grocery store), and the member store 3 (game hall). The type code “00” is set in the electronic money terminal 8b installed in.

In this case, since the electronic money card 6a for subsidy has the type code “01”, the power that can be settled at the electronic money terminal 8a cannot be settled at the electronic money terminal 8b.

On the other hand, since the type code of the general-purpose electronic money card 6b is “00”, it is possible to make a payment at any of the electronic money terminals 8a and 8b.

In this way, since the member store 3 that can be settled with the electronic money card 6a is limited to the member store 3 (grocery store), the subsidy charged to the electronic money card 6 is transferred to the member store 3 (amusement hall). Can be used for games (uses that do not match the purpose of the subsidy).

That is, the type code of the electronic money terminal 8 and the type code of the electronic money card 6 are the combination in which the electronic money terminal 8 can settle the combination of the electronic money terminal 8 and the electronic money card 6, or the settlement Information for determining an impossible combination force is provided, and the electronic money terminal 8 includes a determination means for determining this.

As described above, in this embodiment, it is determined whether or not the combination of the electronic money terminal 8 and the electronic money card 6 can be settled by inquiring (matching) the type codes of the both. Other information can be used as long as it is information that can determine this combination.

The electronic money server 2 is a server device that is operated by an operator of the electronic money system 1. You can configure it by combining multiple server devices.

The electronic money server ₂ is connected to electronic money terminals 8, 8, 8,. The information collected from these electronic money terminals 8 is collected and stored as history information (log data).

FIG. 2A is a block diagram showing an example of the hardware configuration of the electronic money card 6.

Electronic money card 6 has CPU (Central Processing Unit) 21, high frequency circuit 22, antenna 26, ROM (Read Only Memory) 23, RAM (Random Access Memory) 24 ^ EEPROM (Electrically Erasable and Programmable ROM) 2 5 etc. Have.

These elements are formed on an IC chip embedded in the electronic money card 6. However, in the electronic money card 6, the antenna 26 is configured by an aerial line extending on an elliptic curve with the diagonal line of the electronic money card 6 as an axis, and an end thereof is connected to the IC chip.

The CPU 21 is a central processing unit that performs information processing according to various programs stored in the ROM 23 and the EEPROM 25.

Further, the CPU 21 can perform short-range wireless communication with the electronic money terminal 8 via the antenna 26 and the high-frequency circuit 22.

[0025] The antenna 26 performs short-distance wireless communication with the antenna built in the reader / writer unit 9 of the electronic money terminal 8, and also power for driving the electronic money card 6 by radio waves from the reader / writer unit 9. Power generation.

The high frequency circuit 22 converts the high frequency transmitted from the reader / writer unit 9 to the antenna 26 into a digital signal and outputs it to the CPU 21, or conversely converts the digital signal output from the CPU 21 into a high frequency and converts the digital signal from the antenna 26 into the reader. Send to writer section 9.

The RAM 24 is a readable / writable memory that provides working memory when the CPU 21 performs information processing.

The ROM 23 is a read-only memory that stores basic programs, parameters, data, and the like for causing the electronic money card 6 to function.

The EEPROM 25 is a ROM capable of writing and erasing information. Information stored in the EEPROM 25 is maintained even when power is not supplied to the electronic money card 6. The EEPROM 25 stores various programs and data.

As the program, for example, there is a value processing program for processing value, and CP

By executing this program, U21 exhibits a communication function with the electronic money terminal 8, a charge function based on the amount change information, and a settlement function.

As will be described later, the electronic money function unit ID, type code, current value balance, log data, and the like are stored as the data.

FIG. 2B is a block diagram schematically showing the functional configuration of the electronic money card 6. The value processing unit 28 is configured by the CPU 21 executing a value processing program.

The storage unit 29 is formed in the EEPROM 25 and includes an electronic money function unit ID, a type code, a current value balance, log data, etc., which are unique HD information for the electronic money server 2 to identify the electronic money card 6. Remember me.

The terminal communication unit 27 is formed by using the antenna 26 or the like, receives money amount change information from the reader / writer unit 9 of the electronic money terminal 8 and inputs it to the value processing unit 28.

The value processing unit 28 charges or settles the balance of the value stored in the storage unit 29 by the amount specified in the amount change information.

In addition to this, various commands such as a balance reference command for referring to the balance of value and an ID reference command for referring to the electronic money function unit ID are prepared. Performs information processing specified in.

[0028] Here, the amount change information will be described in more detail.

The amount change information includes an addition command and a subtraction command. The addition command and the subtraction command are accompanied by an amount as a parameter, and the value processing unit 28 increases or decreases the value by this amount.

For example, when the value balance stored in the storage unit 29 is 5000 yen and the settlement amount is 1000 yen, the electronic money terminal 8 generates a subtraction command for reducing 1000 yen and transmits it to the terminal communication unit 27. Then, the value processing unit 28 executes this subtraction command, and updates the balance of the value stored in the storage unit 29 to 5000 yen 1 1000 yen = 4000 yen. [0029] It is also possible to configure the amount change information by an overwrite command.

In this case, the electronic money terminal 8 calculates the value balance after addition / subtraction, and overwrites the value balance in the storage unit 29 with this amount.

For example, consider a case where the value balance stored in the storage unit 29 is 5000 yen and the settlement amount is 1000 yen.

The electronic money terminal 8 reads the current value balance of 5000 yen from the electronic money card 6 and calculates the balance after settlement of 5000 yen—1000 yen = 4000 yen. Then, the electronic money terminal 8 generates an overwrite command for overwriting the balance of the knowledge to 4000 yen and transmits it to the terminal communication unit 27. Then, the value processing unit 28 executes this overwrite command to update the value balance stored in the storage unit 29 to 4000 yen.

As described above, the case where the amount change information is configured by the addition / subtraction command and the case where the amount change information is configured by the overwrite command has been described, but it is also possible to combine them.

For example, an addition command can be used for charging, an overwrite command can be used for payment, an overwrite command can be used for charging, and a subtraction command can be used for payment.

[0031] As described above, the electronic money card 6 constitutes a computer having a communication function, an information processing function, a storage function, etc., stores the monetary value as electronic data (value), and changes the monetary value. It changes the monetary value stored using the information and functions as a payment terminal with gnole information (type code).

FIG. 3 is a block diagram showing an example of the hardware configuration of the electronic money terminal 8.

As shown in Fig. 3, the electronic money terminal 8 has a CPU 31, ROM 33, RAM 34, communication control unit 35, storage unit 36, input unit 37, output unit 38, reader / writer unit 9, etc. connected by a bus line. It is configured.

The CPU 31 performs information processing according to a predetermined program, and controls the entire electronic money terminal 8.

In the present embodiment, the money amount change information is transmitted by communicating with the electronic money card 6, or the transaction information accumulated by the processing with the electronic money card 6 is transmitted to the electronic money server 2 by batch processing. The ROM 33 is a read-only memory that stores basic programs and parameters for operating the electronic money terminal 8.

The RAM 34 is a readable / writable memory that provides a working memory for the CPU 31 and loads and stores programs and data stored in the storage unit 36 at any time.

The communication control unit 35 is a connection device that connects the electronic money terminal 8 to a network, and the electronic money terminal 8 can be connected to the electronic money server 2 via the communication control unit 35.

The storage unit 36 includes, for example, a storage medium such as a hard disk and a drive device that drives the storage medium. The storage unit 36 includes a program storage unit 42 that stores various programs, a data storage unit 44 that stores data, and the like.

[0035] In the program storage unit 42, the OS, which is a basic program for causing the electronic money terminal 8 to function, or the CPU 31 allows the electronic money card 6 to perform a charge 'settlement function to the electronic money card 6 or the electronic money card Stores a program for exercising 6 type code discrimination functions.

The data storage unit 44 stores a type code of the electronic money card 6 that transmits the money amount change information, transaction information generated at the time of charge settlement processing with the electronic money card 6, and the like.

[0036] The input unit 37 includes an input device such as a keyboard, a touch panel, a mouse, or the like for a person in charge at the member store 3 (for example, a cashier) to input information.

The person in charge of the member store 3 (hereinafter, person in charge) can input the settlement amount, the charge amount and other information into the electronic money terminal 8 by operating these input devices.

[0037] The output unit 38 includes, for example, a liquid crystal display, a CRT (Cathode-ray Tube) display, a plasma display, and other display devices. The display device displays instructions and confirmation items to the person in charge on various screens.

In addition, the output unit 38 can be configured to include a voice output device such as a speaker, and the contents of instructions to the person in charge and the confirmation items can be output by voice.

[0038] The hardware configuration of the electronic money server 2 is basically the same as the configuration of the electronic money terminal 8. The same as above.

That is, the electronic money server 2 is configured by connecting a CPU, a ROM, a RAM, a communication control unit, a storage medium, and the like through a bus line.

The CPU executes the program stored in the storage medium to communicate with the electronic money terminal 8 and receive and store transaction information from the electronic money terminal 8.

Next, the procedure for making a payment with the electronic money card 6 will be described with reference to the flowchart of FIG.

The following processing is performed by the CPU 21 of the electronic money card 6 and the CPU 31 of the electronic money terminal 8 in accordance with the respective programs.

First, the user of the electronic money card 6 sets the electronic money card 6 in the reader / writer unit 9 of the electronic money terminal 8 in order to settle the merchandise.

Next, the person in charge inputs the settlement amount from the input unit 37. Thus, the electronic money terminal 8 acquires the payment amount and temporarily stores it in the RAM 34 or the like (step 5).

Next, the person in charge causes the electronic money card 6 and the electronic money terminal 8 to start a payment process by pressing a payment button.

When the electronic money terminal 8 starts the settlement process, the electronic money terminal 8 transmits a type reading command to the electronic money card 6 and requests the electronic money card 6 to transmit a type code (step 10).

[0041] The electronic money card 6 receives and executes the type code reading command, reads the type code from the EEPROM 25, and transmits it to the electronic money terminal 8 (step 15).

The electronic money terminal 8 receives the type code from the electronic money card 6 and stores it in the RAM 34 or the like.

Next, the electronic money terminal 8 compares the type code acquired from the electronic money card 6 with the type code set in itself, and confirms whether or not the electronic money card 6 can be settled ( Step 20).

[0042] If the electronic money card 6 is an electronic money card that can be settled (step 25; Y), the electronic money terminal 8 generates amount change information for reducing the value corresponding to the settlement amount, and generates the electronic money card 6 (Step 30). When the electronic money card 6 receives the amount change information (step 35), the electronic money card 6 updates the value balance stored in the EEPROM 25 to a value reduced by the settlement amount (step 40).

On the other hand, when the electronic money card 6 is not an electronic money card that can be settled (step 25; N), the electronic money terminal 8 displays an error message on the output unit 38 and ends the process.

As described above, the electronic money terminal 8 can determine from the type code of the electronic money card 6 whether or not the electronic money card 6 is a payable card.

Therefore, the subsidy is charged by charging the electronic money card 6 of a predetermined type code, and the electronic money terminal 8 that can use the electronic money card 6 is installed only in the member store 3 that can use the subsidy. It is possible to limit the use of electronic money cards 6 charged with gold to a pre-designated member store 3, and to prevent use that does not match the purpose of the subsidy.

Next, the procedure for charging the electronic money card 6 with a subsidy will be described using the flowchart of FIG.

In the present embodiment, the electronic money terminal 8 for charging the subsidy is designated in advance, and the user charges the subsidy at the electronic money terminal 8.

First, the operator of the electronic money system 1 accepts a request for subsidy by charging from a public institution. The source of the charge will be borne by the public institution, but may be borne by others.

When the operator of the electronic money system 1 receives the subsidy charge, it generates charge information for charging the subsidy and stores it in the electronic money server 2.

The charge information includes the terminal ID of the electronic money terminal 8 that performs charging, the electronic money function unit ID of the electronic money card 6 that charges the subsidy, and the amount to be charged.

[0045] When the electronic money server 2 receives an access by batch processing from the electronic money terminal 8 that charges the subsidy, the electronic money server 2 transmits charge information to the electronic money terminal 8 (schedule). (Tep 50).

This process is performed as follows. When the electronic money server 2 receives an access from the electronic money terminal 8, the electronic money server 2 searches for charge information including the terminal ID of the electronic money terminal 8. When the charge information including the terminal ID is retrieved, it is transmitted to the electronic money terminal 8.

The electronic money terminal 8 receives and stores the charge information transmitted by the electronic money server 2 in this way (step 55).

The above steps 50 and 55 are performed before the subsidy date.

The user visits the member store 3 on the subsidy date and requests the person in charge to charge the electronic money card 6.

Note that the user is designated a member store 3 in which an electronic money terminal 8 for charging subsidies is installed.

Further, when there are a plurality of electronic money terminals 8 in the member store 3, the electronic money terminal 8 for charging the subsidy may be designated.

[0047] The person in charge sets the user's electronic money card 6 in the electronic money terminal 8 storing the charge information, and presses a button for subsidy charging. To start the charge process.

Then, the electronic money terminal 8 sends an ID reference command to the electronic money card 6 to request an electronic money function unit ID (step 60).

The electronic money card 6 receives and executes the ID reference command, and transmits the electronic money function unit ID to the electronic money terminal 8 (step 65).

[0048] The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6 and checks whether or not charge information including the same electronic money function unit ID is stored (step 70).

If there is no charge information including the electronic money function unit ID, the electronic money terminal 8 stops the charging process and issues an error message.

[0049] When there is charge information including the electronic money functional unit ID, the electronic money terminal 8 charges the amount change information for charging the amount of money set by the charge information. Information is generated and transmitted to the electronic money card 6 (step 75).

[0050] The electronic money card 6 receives the amount change information from the electronic money terminal 8 (step 80), executes this, and increases the value by the amount of the subsidy (step 85).

As described above, in the electronic money system 1, subsidies can be charged to the electronic money card 6 under the burden of public institutions.

When charging a general electronic money card 6b, the person in charge receives the amount of money from the user and charges the same amount of value to the electronic money card 6b. In this case, the electronic money card 6b can be charged with any electronic money terminal 8.

[0051] By the way, a terminal in which an IC chip similar to the electronic money card 6 is mounted on a mobile phone and the electronic money card 6 and the mobile phone are integrated has been widely used. In the electronic money system 1, as with the electronic money card 6, it is possible to charge a subsidy to a mobile phone and restrict its use to a predetermined member store 3.

A mobile phone with a built-in IC chip (hereinafter simply referred to as a mobile phone) can be set in the electronic money terminal 8 and charged and settled in the same manner as the electronic money card 6 or via a network. A mobile phone can be directly connected to the electronic money server 2 to receive money amount change information from the electronic money server 2.

[0052] When payment is made with a subsidy charged to a mobile phone, the following is performed.

The same type code as the electronic money card 6 is stored in the electronic money IC chip built in the mobile phone, and the electronic money terminal 8 reads this type code at the time of settlement. Then, the electronic money terminal 8 performs a settlement process if the type code can be settled, and does not perform a settlement process if it can be settled.

[0053] When charging a subsidy with a mobile phone, the following is performed.

When subsidy is charged from the electronic money terminal 8, it is the same as the electronic money card 6.

On the other hand, connected to the electronic money server 2 by using the cellular network functions, to charge the direct subsidies from the electronic Ma Nesaba _2, the electronic money server _2, for this user, the electronic money charge information Do not send to terminal 8 Remember.

When the electronic money server 2 is accessed from a mobile phone and is requested to charge a subsidy, the electronic money server 2 searches for charge information using the electronic money function part ID of the IC chip of the mobile phone.

Then, money amount change information for charging the amount of money set by the searched charge information is generated and transmitted to the mobile phone.

The mobile phone receives this amount change information, inputs it to the IC chip, executes it, and charges it.

[0054] In the above, the case where the electronic money card 6 is used for general use and welfare has been described. However, it is not limited to this, but by numbering a type code, for example, for scholarship, maternity allowance, nursing care It can be applied to various public subsidies, such as insurance and children's allowance.

It is also possible for a private organization to provide an electronic money card 6 for the organization, not limited to public institutions. For example, an electronic money card 6 that allows a chain store having a plurality of stores to settle only at its own store can be used.

Further, in this embodiment, the power of checking the type code at the electronic money terminal 8 is stored in the electronic money terminal 8 and the server storing the correspondence between the type codes that can be settled at the electronic money terminal 8. Terminal 8 can be configured to query.

[0055] As described above, the electronic money system 1 includes an ID storage device (electronic money card 6 or a mobile phone) that stores information (electronic money function unit ID) and group information (type code), and stores the ID in the ID. An amount storage device (storage unit 29) that stores the money value amount associated with the electronic data as an associated data, and a reading device that reads HD information and group information from the ID storage device (reader / writer unit 9 of electronic money terminal 8) And an amount change device (value processing unit 28) for changing the amount stored and stored in the amount storage device associated with the read HD information, and functions as an electronic money system configured using Yes.

[0056] Then, in the electronic money system 1, the electronic money terminal 8 receives, from the reading device (reader / writer unit 9), ID information acquisition means (reader / writer unit) that acquires ro information and group information read by the reading device. 9 Obtaining electronic money function part ID and type code from 9 And a determination means for determining whether or not to change the amount stored in the amount storage device associated with the read I blue report based on the combination of the reading device and the acquired group information (Means for determining whether or not to change the value stored in the storage unit 29 based on the combination of the own type code and the type code obtained with the electronic money card 6 and the mobile phone power) It functions as an information processing apparatus characterized by comprising permission means for permitting a change in the amount by transmitting the amount change information to the amount change device when it is determined to make a change.

[0057] In addition, since the electronic money server 2 can set the type code via the network, the electronic money terminal 8 includes group information registration means for registering gnole information (type code). The means determines whether to permit the change of the stored amount by referring to the acquired group information and the registered gnole information.

The following effects can be obtained by the present embodiment described above.

(1) By grouping the electronic money card 6 using a type code such as general use or subsidy, the electronic money terminal 8 that can be accessed for each group can be set.

(2) By setting the electronic money terminal 8 that can be accessed for each group of electronic money cards 6, the member stores 3 that can use the electronic money card 6 can be restricted.

(3) By restricting the member stores 3 to which the electronic money card 6 charged with subsidies can be accessed, the use of the subsidies can be limited to the use that conforms to the purpose of the subsidies.

[0059] (Second Embodiment)

In the first embodiment, the value is stored in the electronic money card 6 and the electronic money terminal 8 settles this, but in the second embodiment, the value is stored in the electronic money server 2 and the electronic money server 2 The money server 2 communicates with the electronic money card 6 via the electronic money terminal 8 to settle the value stored in the electronic money server 2 in real time.

FIG. 6 is a diagram showing a network configuration of the electronic money system la according to the second embodiment.

The configuration of the electronic money card 6 is the same as that of the first embodiment, and the member store 3 Only the multiple power SI stores are shown.

In addition, constituent elements corresponding to the first embodiment are denoted by the same reference numerals.

The electronic money card 6 stores an electronic money function unit ID, and can transmit it to the electronic money server 2 via the electronic money terminal 8.

In the second embodiment, since the value is managed by the electronic money server 2, the electronic money card 6 has a function of transmitting the electronic money function unit ID to the electronic money server 2.

The electronic money terminal 8 can read the electronic money function unit ID of the electronic money card 6 by a reader / writer unit 9 (not shown).

Then, the electronic money terminal 8 receives the payment amount input from the person in charge, and transmits the payment amount, its own terminal ID, and the electronic money function unit ID to the electronic money server 2.

The electronic money server 2 stores the type code and value of the electronic money card 6 in the knowledge database 52, and performs charging and settlement by increasing / decreasing this knowledge.

Further, the electronic money server 2 manages type codes that can be settled by each electronic money terminal 8 by using the type code database 51.

The electronic money server 2 identifies the type code of the electronic money card 6 by collating the electronic money function part ID of the electronic money card 6 with the value database 52, and collates the type code with the type code database 51. Thus, it is determined whether or not the electronic money card 6 can be settled at the electronic money terminal ₈ .

If settlement is possible, the electronic money server 2 performs settlement by reducing the value corresponding to the settlement amount in the value database 52. As described above, the electronic money server 2 according to the present modification includes a value processing unit that increases or decreases the amount of value, similar to the value processing unit 28 of the first embodiment.

FIG. 7A is a diagram showing an example of a logical configuration of the type code database 51.

The type code database 51 associates the terminal ID of each electronic money terminal 8 with the type of electronic money card 6 that can be settled by the electronic money terminal 8.

For example, for terminal ID “12345”, electronic money card 6 with type codes “00” and “01” is determined. Is possible.

The electronic money system la defines an electronic money card 6 that can be settled at a member store 3 by setting a type code that can be settled for each electronic money terminal 8 installed at the member store 3.

That is, the electronic money server 2 uses the type code database 51 to determine whether or not the combination of the electronic money terminal 8 and the electronic money card 6 can be settled.

FIG. 7 (b) is a diagram showing an example of a logical configuration of the knowledge database 52.

The value database 52 associates the electronic money function unit ID of the electronic money card 6 with the type code of the electronic money card 6, the current value of the value balance, and other information.

For example, the type code of the electronic money card 6 with the electronic money function unit ID “548796” is “01”, and the value balance is “5,800” yen.

The electronic money server 2 searches the value database 52 for the electronic money function unit ID transmitted from the electronic money terminal 8, and obtains the type code, the current balance, etc. associated with the electronic money function unit ID. Can be identified.

Next, the procedure for making a payment in the second embodiment will be described with reference to the flowchart of FIG.

First, the user installs the electronic money card 6 in the reader / writer unit 9 (not shown) of the electronic money terminal 8 and offers the person in charge to make a payment with the electronic money card 6.

The person in charge enters the payment amount into the electronic money terminal 8 and causes the electronic money terminal 8 to start the payment process by pressing the payment button.

Then, the electronic money terminal 8 requests the electronic money function unit ID from the electronic money card 6, and the electronic money card 6 transmits the electronic money function unit ID to the electronic money terminal 8 (step 105). .

The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6. Then, the electronic money terminal 8 transmits the electronic money function unit ID, the settlement amount input by the person in charge, and its own terminal ID to the electronic money server 2 (step 110).

When the electronic money server ₂ receives such information, it first receives it from the electronic money terminal 8. The received electronic money function unit ID is searched in the value database 52, and the type code of the electronic money card 6 is acquired (step 115).

Next, the electronic money server 2 searches the type code database 51 for the terminal ID received from the electronic money terminal 8 and obtains a type code that can be settled at the electronic money terminal 8 (step 120).

Next, the electronic money server 2 determines whether or not the identified type code of the electronic money card 6 matches the type code that can be settled at the electronic money terminal 8 (step 125).

[0068] If these type codes do not match (step 125; N), the electronic money server 2 transmits an error message to the electronic money terminal 8 and ends the processing (step 130). Although not shown, when the electronic money terminal 8 receives an error message from the electronic money server 2, it displays this and ends the process.

[0069] If these type codes match (step 125; Y), the electronic money server 2 reduces the value balance of the electronic money card 6 stored in the value database 52 by the amount of payment (step 135) and a completion notice is transmitted to the electronic money terminal 8 (step 140).

When receiving the completion notification from the electronic money server 2 (step 150), the electronic money terminal 8 displays this and ends the processing.

Then, the person in charge informs the user that the payment has been completed, and the user collects the electronic money card 6.

As described above, when the payment is made with the electronic money card 6, the power S and the subsidy are charged, the electronic money server 2 subsidizes the money balance of the electronic money card 6 stored in the value database 52. Increase by the amount.

[0071] As described above, the electronic money system la has Π3 information (electronic money function unit ID) and an ID storage device (electronic money card 6 or mobile phone) storing the gnope information (type code), A money storage device (value database 52) that stores the money value money associated with the ID as electronic data, and a reader (electronic money terminal 8) that reads HD information and group information from the ID storage device And associated with the read HD information. And an amount change device (value processing unit 28) that changes the amount stored in the amount storage device.

[0072] Then, in the electronic money system la, the electronic money server 2 obtains HD information and group information read by the reading device (electronic money terminal 8) from the reading device (electronic money terminal 8). 8) means for acquiring the electronic money function unit ID and type code), and a combination of the reading device and the acquired gnole information, and stored in the amount storage device associated with the read I information. Judgment means for determining whether or not to change the amount of money stored (value database 52 stores the combination of the type code of electronic money terminal 8 and the type code obtained from electronic money card 6 or mobile phone) Means for determining whether or not to change the value), and if the determination means determines that the amount is to be changed, the amount change device is allowed to change the amount. Functioning as an information processing apparatus characterized by comprising a permission means.

[0073] Further, the electronic money server 2 includes a gnole information registering unit (a unit for registering a type code in the type code database 51) for registering group information, and the determining unit includes the acquired gnole information and the By checking the registered group information, it is judged whether or not the change of the stored amount is permitted.

In recent years, virtual shops have been established on networks such as the Internet, and online sales of products and services are performed.

In this case, the electronic money server 2 registers the type of the virtual store and the electronic money card 6 that can be settled at the virtual store in the type code database 51.

[0075] At the time of payment, the virtual store transmits the electronic money function unit ID and the payment amount to the electronic money server 2, and the electronic money server 2 uses this to make a payment. The electronic money server 2 compares the type code that can be settled with the electronic money function part ID type code, and executes settlement when the two match.

In this way, by setting the type code for the virtual store, the use of the electronic money card 6 can also be restricted for commercial transactions on the network.

(1) Use a group code for electronic money card 6 for general use, subsidy, etc. By doing so, the electronic money server 2 can determine which electronic money terminal 8 can be accessed for each group.

(2) By setting the electronic money server 8 that can be accessed for each group of electronic money cards 6 with the electronic money server ₂ , it is possible to limit the member stores 3 that can use the electronic money card 6.

(4) Since the electronic money server 8 manages the type code to be settled by the electronic money terminal 8 and the type code of the electronic money card 6 by the electronic money server 2, it can be changed quickly when the type code is changed.

In this embodiment, the member store 3 is classified depending on whether the subsidy is used appropriately or not. However, the present invention is not limited to this. For example, the member store 3 in a predetermined area is subsidized. It is also possible to promote the settlement within the region by using the affiliated store 3 outside the region as a non-subsidized store, thereby promoting regional development.

Claims

The scope of the claims

[l] ID storage device storing ro information and gnoleop information;

A monetary amount storage device that is associated with the above I information and stores the monetary value as electronic data;

A reader for reading ro information and gnorape information from the ID storage device;

An amount change device for changing the amount stored in the amount storage device associated with the read I information,

An information processing device used in an electronic money system configured using the information acquisition means for acquiring I information and group information read by the reading device from the reading device;

Determining means for determining whether or not to change the amount of money stored in the amount storage device associated with the read I blueprint according to the combination of the reading device and the acquired group information;

Permission means for permitting the amount change device to change the amount when it is determined by the determination means to change the amount;

An information processing apparatus comprising:

[2] A group information registration means for registering group information is provided.

2. The information according to claim 1, wherein the determination unit determines whether or not to permit the change of the stored amount by inquiring the acquired group information and the registered group information. Processing equipment.

[3] an ID storage device storing ro information and gnoleop information;

An amount change device for changing the amount stored in the amount storage device associated with the read I bitum;

An information processing method performed by an information processing apparatus used in an electronic money system configured using The information processing apparatus includes an information acquisition unit, a determination unit, and a permission unit, and the I bit information acquisition unit reads the I bit information and group information read by the reading device from the reading device. I get information step,

Whether the amount stored in the amount storage device associated with the read I information is changed by the determination means by the combination of the reading device and the acquired gnole information. A judgment step to judge;

A permission step of permitting the amount changing device to change the amount when the determining unit determines that the amount is changed by the determining unit;

An information processing method comprising: