WO2007148751A1

WO2007148751A1 - Information processing device, and information processing method

Info

Publication number: WO2007148751A1
Application number: PCT/JP2007/062492
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: JP5076093B2; JP2008003951A

Abstract

It is an object to restrict applications of electronic money to proper ones. In an electronic money system (1), member shops (3) are divided into subsidized shops to comply with requirements for subsidies as parties accounted for such subsidies and unsubsidized ones not to comply with the requirements. A user deposits the subsidy in an electronic money card (6) or a mobile telephone (7) and uses it for his or her payment to the member shops. The payment is carried out to reduce a value amount stored in the electronic money card (6) or the mobile telephone (7). An electronic money terminal device (8) transmits transaction information to an electronic money server (2) after the payment. The electronic money server (2) analyzes the transaction information and calculates a total amount of payments at the unsubsidized shops from ones a user has done. When the subsidy is given at the next time, the electronic money server (2) deducts the total of the payments at the unsubsidized shops from the subsidy.

Description

Specification

INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD

Technical field

The present invention relates to an information processing apparatus and an information processing method, and more particularly, to an apparatus that changes the amount of electronic money.

Background art

[0002] For the purpose of 'support for the protection of vulnerable people, various public support such as welfare, children's allowance and the like are provided.

Subsidies are deposited monthly by public agencies into the deposit accounts of the parents, and the parents make a living from this subsidy.

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

There is the following document as a technology related to such electronic money.

Patent Document 1: Japanese Patent Application Publication No. 2003-141428

This technology is to distribute electronic money by storing value in a non-contact type IC card carried by the user and adding / subtracting the value.

Disclosure of the invention

Problem that invention tries to solve

[0005] An example of receiving welfare protection and using it for purposes other than the original purpose, such as gambling and entertainment, has become a problem. However, it was difficult to grasp the use of the subsidy, and it was not possible to confirm that the subsidy was used properly.

And there have been no attempts to apply the electronic money management technology to the appropriate use of subsidies.

[0006] Therefore, an object of the present invention is to limit the use of electronic money to an appropriate one.

Means to solve the problem

[0007] In order to achieve the above object, the present invention describes ro information in the invention according to claim 1. ID storage device, a monetary amount storage device corresponding to the ID and storing monetary amount as electronic data, a reader for reading I information from the ID storage device, and the read I light blue An information processing apparatus for use in an electronic money system configured using an amount changing device that increases or decreases the amount of money stored in the amount storing device associated with the information; The first total amount, which is the sum of the amount divided by the amount storage device when storing the classification storage unit and the reading device I of the first group, which is divided and stored in the group and the second group And a total amount acquiring unit for acquiring at least one of a second total amount of money, which is a total of the amount of money reduced by the amount-of-money changing device when the ro information is read by the second printer total Providing a total amount output means for outputting the amount, the information processing apparatus characterized by comprising a.

In the invention according to claim 2, the total amount acquisition means acquires the second total amount, and an increase request reception means for receiving and storing an increase request for the amount stored in the amount storage device; The apparatus further comprises subtraction means for subtracting the second total amount output from the total amount output means from the amount of money to be increased by the increase request, and notification means for notifying the amount change device of the subtracted amount. An information processing apparatus according to claim 1 is provided.

In the invention according to claim 3, the total amount acquisition means comprises a notification means for acquiring the first total amount and notifying the amount change device of the first total amount output by the total amount output means. The information processing apparatus according to claim 1 is characterized in that the reading device divided into the first group is a monetary amount storage device associated with the ID information. The readers that are set up in the store where payment with the amount of money stored in is registered as appropriate, and the readers classified into the second group are stored in the amount storage device associated with the above-mentioned report. The information processing apparatus according to any one of claims 1, 2 or 3, wherein the information processing apparatus is installed in a store registered as not appropriate for settlement with the specified amount of money.

In the invention according to claim 5, an ID storage device storing ro information, and an ID storage device corresponding to the ID An amount storage device for storing the amount of money value as electronic data, a reader for reading ro information from the ID storage device, and the amount of money stored for the amount storage device associated with the read information An information processing method performed by an information processing apparatus used in an electronic money system configured using a money amount changing apparatus to increase or decrease, wherein the information processing apparatus comprises the first group and the second group of reading devices. When the ro information is read by the reader of the first group by the total amount acquisition means, the total amount acquisition means and the total amount acquisition means; The sum of the first total amount, which is the sum of the amount reduced by the amount change device, and the amount reduced by the amount change device when the ro information is read by the reading device of the second group. Information comprising: a total amount acquisition step of acquiring at least one of a second total amount; and a total amount output step of outputting the acquired total amount by the total amount output means. Provide a treatment method.

Effect of the invention

According to the present invention, it is possible to limit the use of electronic money to an appropriate one.

Brief description of the drawings

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

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

FIG. 3 is a diagram for explaining the configuration of a mobile phone.

FIG. 4 is a diagram for explaining a hardware configuration of the electronic money server.

[FIG. 5] A diagram showing a logical configuration of a member store database.

[FIG. 6] A diagram showing the logical configuration of various databases.

[FIG. 7] A flowchart for explaining the procedure for making a payment with an electronic money card.

[Figure 8] It is a flow chart for explaining the procedure for inputting the charge amount into the grant database.

[FIG. 9] It is a flowchart for demonstrating the procedure of charging a subsidy.

FIG. 10 is a diagram showing a logical configuration of a subsidy database according to Modification 1;

FIG. 11 is a flow chart for explaining the procedure for inputting the charge amount into the subsidy database in modification 1; FIG. 12 is a diagram for explaining a system configuration of modification 2;

Explanation of sign

1 Electronic Money System

2 Electronic money server

3 member stores

4 Internet

5 base stations

6 Electronic Money Card

7 Mobile Phone

8 Electronic money terminal

9 User terminal

BEST MODE FOR CARRYING OUT THE INVENTION

(1) Outline of the Embodiment

In the electronic money system 1 (FIG. 1), the member store 3, an auxiliary target store they conform to the gist of the subsidy as Shito destination grants, are divided into the auxiliary excluded store that does not match, the electronic money server ₂ , Stores the correspondence of member stores ₃ and divisions. The user charges the subsidy to the electronic money card 6 or the mobile phone 7 and settles this at the affiliated store 3.

The settlement is performed by communicating the electronic money card 6 and the mobile phone 7 with the electronic money terminal 8 of the member store 3 and reducing the value stored in the electronic money card 6 and the mobile phone 7.

After settlement, the electronic money terminal 8 is transaction information including the terminal ID of the electronic money terminal 8, the electronic money function unit ID which is the information of the electronic money card 6 and the mobile phone 7, the affiliated store ID, and the payment amount. Is sent to the electronic money server 2.

The electronic money server 2 analyzes the transaction information and calculates the total value of the settlement amounts at the non-subsidized stores among the amounts settled by the user.

Then, the electronic money server 2 deducts, from the subsidy, the total value of the settlement amount at the non-subsidized store when the subsidy is provided next time. (2) Details of the Embodiment

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

The electronic money system 1 is installed in a mobile terminal 7, an electronic money server 2, the Internet 4, a base station 5, an electronic money card 6, a user terminal 9 configured with a personal computer, etc., a member store 3, 3, · · · The electronic money terminal 8, 8, 8, ... and so on, and functions as an electronic money system.

Mobile phone 7 is equipped with a browser, has an Internet connection function, and contains an IC chip for an electronic money card and an antenna for communicating with electronic money terminal 8. It is possible to perform short distance wireless communication with each other to increase (charge) and decrease (settle) the charge stored on the IC chip.

In this embodiment mode, this IC chip is a non-contact type (one that receives access by wireless), but a contact type (one that receives access by the contact of an electrode) may be used.

The mobile phone 7 can communicate with the electronic money server 2 via the base station 5 and charge or settle value via the Internet 4.

As described above, the mobile phone 7 can perform charging and settlement with the electronic money terminal 8 and can perform charging and settlement with the electronic money server 2 via the Internet 4.

[0015] Here, the word leu is a concept corresponding to money in the electronic money management system, and is money information representing the amount of money value as electronic data.

When issuing a value, the operator of the electronic money system 1 collects the currency of the corresponding amount from the user, and distributes it according to the amount of payment to the member stores 3 that have made the payment with the value. , The correspondence between value and currency.

The electronic money card 6 incorporates an IC chip and an antenna for communicating with the electronic money terminal 8, and can charge and settle in the same manner as the mobile phone 7. Power for driving the IC chip is wirelessly supplied from the electronic money terminal 8.

Also, the electronic money card 6 can communicate with the electronic money server 2 via the user terminal 9 and, like the mobile phone 7, can be charged and settled via the Internet 4. Can.

The user terminal 9 has a function of connecting to the Internet 4 and a function of making a short-distance wireless connection with the electronic money card 6 by a device called a reader / writer equipped with an antenna. The communication of the money server 2 can be mediated. As described above, the electronic money card 6 can perform charging and settlement with the electronic money terminal 8 and can perform charging and settlement with the electronic money server 2 via the Internet 4.

The electronic money server 2 is composed of a server device operated by the operator of the electronic money system 1, and the like.

The electronic money server ₂ is connected to the electronic money terminals 8, 8, 8,... By a communication line, and collects information on the charge status and settlement status of value from the electronic money terminals 8 as transaction information. It is accumulated as log data).

In addition, the electronic money server 2 transmits the money amount change information to the mobile phone 7 or the electronic money card 6 via the Internet 4 and causes the IC chip to execute the money amount change information. Charges and payments can be made with the mobile phone 7.

Electronic money server 2 registers and manages users who receive subsidies for welfare etc. (hereinafter referred to simply as users) in the database of persons targeted for assistance described later, and the users receive subsidies It also has a function as a window.

Then, the operator of the electronic money system 1 receives the subsidy issued to each user from a public organization or the like, charges this to the user's electronic money card 6 or mobile phone 7, and distributes it to each user.

The affiliated store 3 is a store that can make payment with value by the electronic money card 6 and the mobile phone 7 and is classified into either a store subject to assistance or a store not subject to assistance by a membership store database described later. There is.

For example, the subsidized stores are affiliated stores 3 suitable for the purpose of subsidies such as grocery stores and medical institutions, and nonsubsidized stores include, for example, gaming facilities such as pachinko parlors and racecourses, etc. Not suitable member store 3. Each category is registered by the public institution etc. in the member store database. If the user settles with value at a non-subsidized store, that amount will be deducted at the next subsidy charge.

[0021] The electronic money terminal 8 is an access terminal for accessing the electronic money card 6 and the mobile phone 7. The electronic money terminal 8 is installed in the affiliated store 3 or incorporated in an accounting device (register) of the affiliated store 3. It has a reader / writer unit that incorporates an antenna that communicates with the telephone 7 and the electronic money card 6.

Then, the electronic money terminal 8 can transmit money amount change information to the mobile phone 7 or the electronic money card 6 to perform charging and settlement.

Thus, it is necessary to complete charging and settlement of value between the electronic money terminal 8 and the mobile phone 7 and between the electronic money terminal 8 and the electronic money card 6 and to access the electronic money server 2. Processing can be performed at high speed.

The electronic money terminal 8 stores transaction information in which the processing contents of the mobile phone 7 and the electronic money card 6 are recorded, and for example, transmits it to the electronic money server 2 by batch processing about once a day.

This transaction information is analyzed by the electronic money server 2 and is used to ensure consistency between the currency and the currency. For example, the total amount of money used for settlement by the user at the store to be assisted, and the assistance Used to aggregate the total value of the value used for settlement at non-targeted stores.

FIG. 2 (a) is a block diagram showing an example of a hardware configuration of the electronic money card 6. As shown in FIG.

The electronic money card 6 includes a central processing unit (CPU) 21, a high frequency circuit 22, an antenna 26, a read only memory (ROM) 23, and a random access memory (RAM) 24 ^ electrically erasable and programmable ROM (EEPROM) 2 5 etc. Have.

These elements are formed on an IC chip embedded in the electronic money card 6. However, the antenna 26 is constituted by an antenna line extended in the vicinity of the outer edge inside the electronic money card 6 or on an elliptic curve centered on the diagonal line of the electronic money card 6, and the end is connected to the IC chip . The CPU 21 is a central processing unit that performs information processing in accordance with various programs stored in the ROM 23 and the EEPROM 25.

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

The antenna 26 is an antenna for performing near-field wireless communication with an antenna built in the reader / writer.

Further, the antenna 26 generates electric power for driving the electronic money card 6 by radio waves from the reader / writer.

The high frequency circuit 22 converts the high frequency transmitted from the reader / writer 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 to transmit the antenna 26. Send to the reader / writer from

The RAM 24 is an occasional write / read memory that provides a working memory when the CPU 21 performs information processing.

While the power is supplied to the electronic money card 6, the RAM 24 loses the stored content when the supply of power that can hold the stored content is stopped.

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

An EEPROM (Electrically Erasable and Programmable ROM) 25 is a ROM capable of writing and erasing information. The information stored in the EEPROM 25 is maintained even when the electronic money card 6 is not supplied with power.

The EEPROM 25 stores various programs and data.

The data includes the balance of the current value, log data on past transactions, and the electronic money functional unit ID which is unique ro information for the electronic money server 2 to identify the electronic money card 6.

The program includes, for example, a value processing program for processing value, and by executing this program, the CPU 21 exhibits a communication function with the electronic money terminal 8, a charge function by value change information, and a settlement function. Do.

FIG. 2 (b) is a block diagram schematically showing a 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 stores value balances, electronic money function unit IDs, log data, and the like. The terminal communication unit 27 is formed using the antenna 26 and the like, receives money amount change information from the reader / writer unit 8 a of the electronic money terminal 8, and inputs it to the value processing unit 28.

The value processing unit 28 increases or decreases the balance of the value stored in the storage unit 29 by the amount designated by the amount change information, and charges or settles the value.

In addition to this, various commands such as a command for referring to the balance of value and a command for referring to the electronic money function unit ID are prepared, and the value processing unit 28 is specified by these commands. Perform the information processing.

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

Amount change information includes an addition command and a subtraction command. The amount command is added as a parameter to the addition command and the subtraction command, and the value is increased or decreased by the amount processing unit 28 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 to reduce 1000 yen and transmits it to the terminal communication unit 27. Then, the crown processing unit 28 executes this subtraction command to update the balance of the value stored in the storage unit 29 to 5000 yen / 1000 yen = 4000 yen.

It is also possible to configure the money amount change information by the overwrite command.

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

For example, consider the 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 that overwrites the balance of the value of the credit to 4000 yen. Send to the communication unit 27. Then, the knowledge processing unit 28 executes this overwrite command to update the balance of the value stored in the storage unit 29 to 4000 yen.

Although the case where the money amount change information is configured by the addition / subtraction command and the case where it is configured by the overwrite command have been described above, it is also possible to combine these.

For example, an addition command can be used for charge, an overwrite command can be used for settlement, or an overwrite command can be used for charge, and a subtraction command can be used for settlement.

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

FIG. 3 is a conceptual diagram showing an example of a functional configuration of the mobile phone 7.

The telephone function unit 10 has a call mode for making a call and an application mode for providing various application functions, and can be switched by the user's operation. In the present embodiment, the mobile phone 7 is used in the application mode.

The telephone function unit 10 includes a CPU and a storage unit storing various application programs, and the CPU can execute various application functions by executing these application programs.

The electronic money application unit 15 is formed by the CPU of the telephone function unit 10 executing an electronic money application program.

The electronic money application unit 15 can access both the electronic money server 2 and the electronic money function unit 12, receives money amount change information from the electronic money server 2, and inputs it to the electronic money function unit 12. The ability to charge or settle part 12 can be S.

Also, the electronic money application unit 15 displays the balance of the value stored in the electronic money function unit 12 on the display of the mobile phone 7 or is ro information specific to the electronic money function unit 12. The electronic money function unit ID is read from the electronic money function unit 12 and displayed on the display, or transmitted to the electronic money server 2, etc. It can exert the functions of the species.

The electronic money function unit 12 includes an IC chip and an antenna having the same configuration as that embedded in the electronic money card 6, and is connected to the electronic money application unit 15 by the interface unit 11. .

Similar to the electronic money card 6, the electronic money function unit 12 has the terminal communication unit 16, the value processing unit 17, and the storage by the CPU executing a know processing program stored in EEPRO M in the IC chip as in the electronic money card 6. Part 18 is formed.

The value processing unit 17 can receive money amount change information from the electronic money terminal 8 via the terminal communication unit 16, and can also receive money amount change information from the electronic money server 2 via the interface unit 11. .

Then, the knowledge processing unit 17 changes the balance of the value stored in the storage unit 18 according to the amount change information, and performs charging and settlement.

The storage unit 18 stores the electronic money function unit ID, log data, and the like in addition to the value balance.

As described above, the IC chip constituting the electronic money function unit 12 constitutes a computer having a communication function, an information processing function, a storage function, etc. It functions as a payment terminal to change the amount of money value stored as value) and stored using the money amount change information and make a report.

FIG. 4 is a diagram showing an example of a hardware configuration of the electronic money server 2.

The electronic money server 2 functions as an information processing apparatus that performs information processing for distributing electronic money, and is configured by connecting a CPU 31, R〇M 32, a RAM 35, a communication control unit 33, a storage unit 36, etc. by bus lines. It is done.

The CPU 31 performs various information processing in accordance with a predetermined program. In the present embodiment, for example, the transaction information settled by the electronic money card 6 and the mobile phone 7 is analyzed, and the total value of the settlement amount in the subsidized store and the total value of the settlement amount in the nonsubsidized store are totaled. And so on. Specific processing content will be described later using a flowchart.

The ROM 32 is a read only memory and stores basic programs and parameters for operating the electronic money server 2. The RAM 35 is a readable and writable memory, and provides a working memory of the CPU 31, and loads and stores programs and data stored in the storage unit 36. The communication control unit 33 is a control unit for communicating with the electronic money terminal 8 and communicating with the mobile phone 7 and the electronic money card 6 via the Internet 4.

The storage unit 36 is configured using, for example, a large-capacity storage device such as a hard disk, and includes a program storage unit 38 storing various programs, a data storage unit 39 storing data, and the like. Ru.

The program storage unit 38 communicates with the OS, which is a basic program for causing the electronic money server 2 to function, an analysis program for analyzing transaction information, and communicates with the electronic money card 6 and the mobile phone 7 to charge or Stores transaction processing programs to be settled and other programs.

The data storage unit 39 includes an assistance target person database 55 that registers users who receive grants, a membership store database 56 that stores information on affiliated stores, and the amount of assistance received by each user. A stored subsidy database 53, a transaction database 54 storing transaction information with the mobile phone 7 and the electronic money card 6, and the like are stored.

The electronic money server 2 has been described above, but the hardware configuration of the electronic money terminal 8 is basically the same as that of the electronic money server 2.

FIG. 5 is a diagram showing an example of a logical configuration of the affiliated store database 56. As shown in FIG.

The affiliated store database 56 includes "company", "affiliated store ID", "affiliated store name", "terminal ID", "aiding object category", and other items (such as a postal code, address, and telephone number of affiliated store). It is composed of

The name of the company (company name, natural person name, etc.) operating a member store is stored in the "business company". A business operator may have more than one affiliated store or may have a single affiliated store.

In the example in the figure, the operator "Outberger Co., Ltd." operates a number of member stores such as Shibuya branch and Osaka branch as member stores.

Although not shown, each business operator has a business operator ID for identifying the business. Information for identifying each affiliated store is stored in “affiliated store ID”. The Merchant ID is used to identify a merchant when managing various information about the merchant.

The name of a member store is stored in "member store name".

The “terminal ID” stores the terminal ID of the electronic money terminal 8 installed in each member store.

The electronic money server ₂ can identify the affiliated store 3 from the affiliated store ID, and can also identify the affiliated store 3 by searching the affiliated store database 56 for the terminal ID.

[0046] In the "subsidy target category", a category is stored as to whether the affiliated store 3 is a subsidized store or nonsubsidized store.

"Affiliate object category" is "Affiliate object" for affiliated stores 3 of the eligible stores, and if payment is made at the participating stores 3, the subsidy is recognized as an appropriate application, and the next grant No deductions are made upon payment.

On the other hand, the member stores 3 that are not eligible for subsidy are in the subsidy category and the subsidy category is not subsidized, and if payment is made at the member store 3 at the next subsidy payment, The amount is deducted only for the settlement amount.

In the example in the figure, payment at a play facility named "ABC Pachinko Store" is not eligible for assistance

FIG. 6 (a) is a diagram showing an example of the logical configuration of the assistance target person database 55. As shown in FIG.

The user who receives the subsidy as a value is registered in the assistance target person database 55, and user information such as the "electronic money function unit ID", "user name", "subsidy amount", and "address" is stored. ing.

The “electronic money function unit ID” is ro information for identifying the IC chip of the electronic money card 6 or the mobile phone 7 owned by the user.

"User name" is the name of the user. In the figure, the katakana name is shown. In addition to this, the name in kanji is also stored.

The "subsidy amount" is the amount of subsidy provided to the user. This amount is the value before deduction. The electronic money server 2 sets the amount specified by the public institution etc. By storing, a request for charge is received.

More specifically, the operating company of the electronic money system 1 may receive a request from a public organization or the like to input, or a system such as a public organization and the electronic money system 1 are connected online and the public organization etc. May be input directly.

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

There can be a plurality of issues, and the issued value can be used by any electronic money terminal 8 regardless of the issue.

Thus, if there is an issue, it will receive a power grant such as a public institution and issue a value. And the distribution of the know-how is done by the operator of the electronic money system1.

FIG. 6 (b) is a diagram showing an example of the logical configuration of the transaction database 54.

The transaction database 54 stores transaction information on charges and payments made with the electronic money card 6 and the mobile phone 7.

These pieces of transaction information are stored in the electronic money server 2 in the form of batch processing sent from the electronic money terminal 8.

Further, transaction information when the electronic money card 6 or the mobile phone 7 directly communicates with the electronic money server 2 and makes a payment settlement is also stored in the transaction database 54.

The transaction information functions as history information that records the history of accesses made by the electronic money terminal 8 to payment terminals such as the electronic money card 6 and the mobile phone 7.

[0050] The transaction information includes "electronic money function unit ID", "charge", "settlement", and other items.

The electronic money function unit ID is read when the electronic money terminal 8 accesses the electronic money card 6 or the mobile phone 7.

In the case of direct communication with the electronic money server 2 via the Internet 4, the electronic money server 2 is read from the electronic money card 6 or the mobile phone 7 by communication.

“Charge” is the member store ID of member store 3 that has charged, and the terminal I of electronic money terminal 8 D, date and time of charge (for example, can be specified to the second), the amount of charged value, etc. are recorded.

When the electronic money server 2 is charged directly via the Internet 4, the ID of the electronic money server 2 is recorded.

Similarly to "charge", "settlement" also includes the member store ID of member store 3 who made the settlement, the terminal ID of electronic money terminal 8 (or the ID of electronic money server 2), the date and time of settlement, and the amount of value settled. Etc are recorded.

In the present embodiment, since the member store ID is included in the transaction information, the member store 3 can be identified directly from the transaction information, but the terminal ID and the member store ID are supported by the member store database 56. As it is attached, even if the transaction information does not include the merchant ID, the merchant ID 3 can be identified from the terminal ID.

FIG. 6 (c) shows an example of the logical configuration of the grant database 53. As shown in FIG.

The subsidy database 53 stores the amount of subsidies to be paid to the user, and the electronic money server 2 stores the amount of money stored in the subsidy database 53 when the user requests a charge. To charge.

For this reason, the charge amount in the grant database 53 is updated to the amount of the grant by the grant date. For example, if a subsidy is paid monthly, the amount for the current month will be generated by the monthly payment date.

The subsidy database 53 includes items such as “electronic money function unit ID”, “affiliated store ID 'terminal ID”, “subsidy amount”, “deduction amount”, and “charge amount”.

The “electronic money function unit ID” is the electronic money function unit ID of the user's electronic money card 6 or mobile phone 7 to which the subsidy is charged.

“Affiliated store / terminal ID” is a member store ID of the affiliated store 3 in which the electronic money terminal 8 is installed for charging a subsidy, and a terminal ID of the electronic money terminal 8 concerned.

In addition, since the affiliated store 3 and the electronic money terminal 8 are associated with each other in the affiliated store database 56, only the terminal ID is stored and stored.

The “subsidy amount” is the amount before deduction of the subsidy paid to the user.

The "deduction amount" is determined by the user from "subsidy not covered" affiliated store 3 between the last time and this time It is the sum of the settled settlement amount.

The “charge amount” is an amount obtained by subtracting the deduction amount from the subsidy to be paid to the user this time, and this amount is charged as the subsidy. The deducted amount is refunded to, for example, public institutions. The deducted amount can be carried forward to the next month and paid.

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

The following processing is performed by the CPU 21 of the electronic money card 6 and the CPU of the electronic money terminal 8 in cooperation with each other.

Also, when making a payment with the mobile phone 7, the same can be done.

First, the user of the electronic money card 6 uses the electronic money card to make a payment on the product.

6 is set in the reader / writer unit 8a of the electronic money terminal 8.

Next, the person in charge (register clerk) of the affiliated store 3 inputs the settlement amount to the electronic money terminal 8. Thus, the electronic money terminal 8 acquires the settlement amount and temporarily stores it in the RAM or the like (step 5).

Next, the person in charge causes the electronic money card 6 and the electronic money terminal 8 to start settlement processing by pressing the settlement button or the like.

The electronic money terminal 8 transmits an ID reference command to the electronic money card 6, and requests the electronic money function unit ID of the electronic money card 6 (step 10).

The electronic money card 6 receives the ID reference command from the electronic money terminal 8 and executes it, and transmits the electronic money function unit ID stored in the EEPROM 25 to the electronic money terminal 8 (step 15). .

The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6 and stores it.

Next, the electronic money terminal 8 generates amount change information for reducing the value of the settlement amount and transmits it to 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 balance of the value stored in the EEPROM 25 to a value reduced by the settlement amount (step 40).

The electronic money terminal 8 confirms that the electronic money card 6 has completed the settlement processing, and the electronic money function unit ID of the electronic money card 6, the settlement amount, the settlement date and time, the second and third minutes, the terminal ID of the electronic money terminal 8, It generates transaction information (usage log data) including the affiliated store ID and the like of the affiliated store 3 and temporarily stores it in a storage device such as a hard disk drive.

Then, the electronic money terminal 8 transmits the temporarily stored transaction information to the electronic money server 2 by batch processing later.

The electronic money server ₂ receives transaction information from the electronic money terminal 8 and stores it in the transaction database 54.

Next, the procedure for totalizing the user's transaction information and inputting the charge amount into the subsidy database 53 will be described with reference to the flowchart of FIG.

This process is to prepare for the charge of the subsidy, before the grant date. It is assumed that the subsidy amount prior to the current month's deduction is already stored in subsidy database 53.

First, the electronic money server 2 searches the support target person database 55 to specify the support target person for whom the charge amount is to be calculated (step 50). This specification can be performed, for example, in the ascending order of the electronic manager function ID.

Next, the electronic money server 2 searches the transaction database 54 for the transaction information of the user, and calculates the sum of deductions (step 60).

More specifically, the electronic money server 2 extracts the one for the electronic money function unit ID of the user in the transaction information accumulated up to the present after calculating the deduction amount last time.

Next, the electronic money server 2 further extracts, out of the extracted transaction information, the one generated at the affiliated store 3 in which the “subsidy target category” becomes “not a subsidy target” in the affiliated store database 56. .

Next, the electronic money server 2 adds up the settlement amount in the transaction information extracted further, and sets it as the sum of deduction amount.

In addition, the electronic money server 2 is a member store whose “subsidy target category” is “subsidy target” 3 Extract the transaction information generated in and also calculate the sum of the settlement amount at these affiliated stores 3

Further, in the above example, the electronic money server 2 tabulates the transaction information and calculates the total of the settlement amount in the non-subsidized store. In addition, the settlement in all the member stores 3 The sum of the amount of money may be calculated, and from this, the sum of the amount of payment at the subsidized store may be subtracted to obtain the amount of settlement at the non-subsidized store.

In addition, the electronic money server 2 calculates the sum of the settlement amount in all the affiliated stores 3, the sum of the settlement amount in the subsidiary store, and the sum of the settlement amount in the subsidiary store, and the predetermined file etc. It can also be configured to output to

These output data can be used as a material for the public institution, which is the provider of the subsidy, to decide the amount of subsidy from now on, and also prevent the user from making settlements at non-subsidized stores It can exert its power.

Alternatively, the electronic money server 2 may be configured to output at least one of the sum of the settlement amount in the subsidiary shop and the sum of the settlement amount in the subsidiary shop.

Here, when the electronic money server 2 outputs the total of the settlement amount at the subsidiary store and does not output the total of the settlement amount at the subsidiary non-target store, as described in the first modification described later, the subsidiary object The total power of the settlement amount at the store It can be configured S to define the charge amount.

The electronic money server 2 calculates the deduction amount as described above, and stores it in the “deduction amount” section of the grant database 53.

Then, the electronic money server 2 subtracts the "deduction amount" from the value of the "subsidy amount" to calculate the charge amount (step 65), and stores it in the "charge amount" section of the grant database 53 Step 70).

Next, the electronic money server 2 checks whether or not all the users have been processed in the assistance target person database 55, ie, whether or not the charge amount has been calculated (step 75).

If there is a user who has not calculated yet (step 75; N), the electronic money server 2 Returning to step 50, the charge amount is calculated for the user, and thereafter, the process is continued for all users.

On the other hand, if the process has been performed for all users (step 75; Y), the electronic money server 2 ends the tabulation process.

Next, the procedure for charging the electronic money card 6 with a subsidy will be described with reference to 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.

When the grant date is reached, the electronic money server 2 refers to the charge amount of each user in the grant database 53 and generates charge information for charging the grant.

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.

When the electronic money server 2 receives an access in batch processing from the electronic money terminal 8 charging the subsidy, the electronic money server 2 transmits charge information to the electronic money terminal 8 (step 100).

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. Then, when the charge information including the terminal ID is retrieved, it is transmitted to the electronic money management terminal 8.

The electronic money terminal 8 receives and stores the charge information thus transmitted by the electronic money server 2 (step 105).

When the grant date is reached, the user visits the member store 3 and asks the person in charge to charge the electronic money card 6 for a grant.

The user is designated the member store 3 in which the electronic money terminal 8 for charging the subsidy is installed.

In addition, if there are multiple electronic money terminals 8 in the member store 3, charge the subsidy Electronic money terminal 8 is specified.

The person in charge sets the user's electronic money card 6 to the electronic money terminal 8 storing the charge information, and presses the subsidy charge button to, for example, the electronic money terminal 8 and the electronic money card 6. Start the charge process.

Then, the electronic money terminal 8 transmits an ID reference command to the electronic money card 6 to request an electronic money function unit ID (step 115).

The electronic money card 6 receives and executes the ID reference command, and transmits the electronic money functional unit ID to the electronic money terminal 8 (step 120).

The electronic money terminal 8 receives the electronic money function unit ID from the electronic money card 6, and checks whether charge information including the same electronic money function unit ID is stored (step 125).

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

When there is charge information including the electronic money function unit ID, the electronic money terminal 8 generates money amount change information for charging the value corresponding to the money amount set in the charge information, and the electronic money card Send to 6 (step 130).

The electronic money card 6 receives the amount change information from the electronic money terminal 8 (step 135) and executes this to increase the value by the amount of the subsidy (step 140).

[0073] By the way, when charging the subsidy with the mobile phone 7, the following is performed.

When subsidies are charged from the electronic money terminal 8, the same procedure as for the electronic money card 6 is applied.

On the other hand, when connecting to the electronic money server 2 using the network function of the mobile phone 7 and charging the subsidy directly from the electronic money server 2, the electronic money server 2 sends charge information to this user. Instead of sending it to the electronic money terminal 8, it is stored in its own storage device.

When the electronic money server ₂ is accessed from the mobile phone ₇ and requested to charge the subsidy, the electronic money server ₂ searches for charge information using the electronic money functional unit ID of the IC chip of the mobile phone. Then, it generates money amount change information for charging the value corresponding to the money amount set in the searched charge information, and transmits it to the mobile phone 7.

The mobile phone 7 receives this amount change information, inputs it to the IC chip, and executes it to charge it.

Also, the electronic money card 6 can be connected to the user terminal 9 and charged directly from the electronic money server 2 in the same manner as the mobile phone 7.

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

(1) The destination of the subsidy can be limited to the subsidized stores 3 to be assisted.

(2) If the user settles at a member store 3 not covered by the subsidy, the settlement amount can be deducted and the subsidy can be issued.

(3) Since subsidies will be reduced if payment is made at a member store 3 that is not covered by subsidies, it is possible to exert a deterrent to the user to suppress inappropriate use of subsidies.

(Modification 1) In the embodiment described above, the settlement amount is deducted from the subsidy amount when the user has made a decision at a member store 3 that is not a target of the subsidy. That subsidies issued from social institutions are stored in the electronic money server 2 for each user, and the user accumulates the accumulated amount when payment is made at the affiliated store 3 to be assisted It is.

The system configuration is the same as that of the electronic money server 2, and the same components as in the embodiment will be described with the same reference numerals.

FIG. 10 is a diagram showing a logical configuration of a subsidy database (referred to as a subsidy database 53a) included in the electronic money server 2 according to the present modification.

The configuration of the assistance target person database 55, the affiliated store database 56, and the transaction database 54 is the same as that of the previous embodiment.

The subsidy database 53a is composed of “electronic money function unit ID”, “affiliated store ID 'terminal ID”, “stored balance”, “charge amount” and other items.

Among these, “electronic money function unit ID” and “affiliated store / terminal ID” are the same as in the above embodiment.

"The accumulated balance" is a subsidy paid to the user from a public institution etc. like a deposit account It is accumulated. For example, when a subsidy is paid monthly, the subsidy amount is added to the "accumulated balance" and the amount charged by the user is subtracted from the "accumulated balance".

The “charge amount” is the amount to be charged next to the user's electronic money card 6 or mobile phone 7. This amount is the amount settled at the subsidized member store 3 between the previous charge and the current charge.

When charging is performed by the electronic money card 6 or the mobile phone 7, the electronic money server 2 subtracts the “charge amount” from the “stored balance” to update the “stored balance”.

Further, the amount of money stored in “stored balance” belongs to the user, for example, when the value balance of the electronic money mode 6 or the mobile phone 7 falls below a predetermined value (for example, 3000 yen), Alternatively, it can be applied separately to the electronic money business and converted to a “charge amount” when necessary, such as in an emergency.

Thus, in this modification, the amount of money that can be charged as subsidy delivery is the amount of money that has been settled at the subsidized store 3 to be subsidized, and the shortfall will be applied individually. Therefore, it is difficult for the user to make settlement at a member store 3 that is not targeted for assistance, and it is possible to suppress the use of subsidies that do not meet the purpose.

Next, the procedure for totalizing the user's transaction information and inputting the charge amount into the subsidy database 53a will be described using the flowchart of FIG.

This process is performed on the day before the grant is issued to prepare for the charge of the grant. First, the electronic money server 2 searches the support target person database 55 to specify the support target person for whom the charge amount is to be calculated (step 220). This specification can be performed, for example, in the ascending order of the electronic money function unit ID.

Next, the electronic money server 2 searches the transaction database 54 for the transaction information of the user, and extracts the transaction information at the shop targeted for assistance (Step 225).

More specifically, the electronic money server 2 extracts the one for the electronic money function unit ID of the user in the transaction information accumulated since the previous calculation of the charge amount.

Next, the electronic money server 2 further extracts, among the extracted transaction information, the one generated at the affiliated store 3 in which the “subsidy target category” becomes the “subsidy target” in the affiliated store database 56. Ru.

Next, the electronic money server 2 calculates the charge amount by totaling the settlement amounts in the extracted transaction information (step 230).

The electronic money server 2 calculates the charge amount as described above, and stores it in the “charge amount” item of the subsidy database 53a (step 235).

Next, the electronic money server 2 confirms whether or not processing has been performed for all users in the assistance target person database 55, ie, whether or not the charge amount has been calculated (step 240).

If there is a user who has not calculated yet (step 240; N), the electronic money server 2 returns to step 220 to calculate the charge amount for the user, and thereafter, for all the users. continue processing.

On the other hand, if the process has been performed for all users (step 240; Y), the electronic money server 2 ends the tabulation process.

The electronic money system 1 described above is associated with an ID storage device (such as an electronic money card 6 or a mobile phone 7) storing ro information (such as an electronic money function unit ID) and the ID. A monetary amount storage unit (such as storage unit 29 or value processing unit 28) for storing monetary amount as electronic data, a reading unit (such as electronic money terminal 8) for reading information from the ID storage unit, and It is configured using an amount changing device (such as a value processing unit 28 or a knowledge processing unit 17) that stores the amount of money stored and stored in the amount storage device associated with the ro information.

Then, the electronic money server 2 divides the reading device into the first group (the electronic money terminal 8 installed in the store to be assisted) and the second gnorape (the electronic money terminal 8 installed in the store not to be assisted). Storage means (member store database 56) for storing and storing, a first total amount which is a sum of the amount reduced by the amount changing device when the HD information is read by the reading device of the first group, Means for acquiring total amount of money that acquires at least one of the second total amount that is the sum of the amounts reduced by the amount changing device when reading HD information with the reading device of the second group (Electronic Money Server 2 In step 60 of Figure 8, the sum of the settlement amount at the subsidized store and the sum of the settlement amount at the nonsubsidized store are small. At least one can be calculated),

Characterized by further comprising: total amount output means for outputting the acquired total amount (The electronic money server 2 can output the total amount to a predetermined file etc. in step 60 of FIG. 8) An information processing apparatus to be configured is provided.

In addition, the electronic money server 2 acquires the second total amount in the total amount acquisition means, and receives and stores an increase request for the amount stored in the amount storage device. The money server 2 receives the increase amount from the public organization, ie, the support amount and stores it in the “support amount” of the support target person database 55), and outputs the total amount from the increase amount by the increase request stored above. Subtraction means (step 65 in FIG. 8) for subtracting the second total amount outputted by the means, and notification means for notifying the amount changing device of the subtracted amount (The electronic money server 2 subtracts it as charge information And the electronic money terminal 8 notifies the value processing unit 17 and the storage unit 18 of the amount of money as money change information).

In the electronic money server 2 of the first modification, the total amount acquisition unit acquires the first total amount, and the first total amount output by the total amount output unit is used as the amount change device. The notification means for notifying (in the first modification, the electronic money server 2 notifies the electronic money terminal 8 etc. of the total of the settlement amount at the store to be assisted, and performs charging).

Furthermore, in the present embodiment and modification 1, the reading devices classified into the first group are stored in the money storage device associated with the ro information, and the amount of money stored in the money storage device is reduced. The readers installed in the store (subsidized store for which payment is registered as appropriate) and classified into the second group are the amount of money stored in the amount storage device associated with the ro information. It is installed in a store (a store not covered by subsidies) registered as not appropriate for settlement.

(1) Member stores 3 can be divided into stores that are eligible for subsidies and those that are not suitable for subsidies.

(2) Among the amounts settled by the user at affiliated store 3, the amount settled by the non-subsidized store is You can hold on.

(3) The amount of money that can be charged to the electronic money card 6 or the mobile phone 7 without application is the settlement amount at the subsidiary store, and an application is required to charge the accumulated amount. It can exert a deterrent to suppress payment.

(4) It is possible to promote the appropriate use of subsidies by suppressing settlement at a non-subsidized store by the user.

(Modification 2) In the embodiment and modification 1 described above, the value S is stored in the electronic money card 6 or the mobile phone 7 and the value S is increased or decreased by the value stored in the electronic money server 2. It can also be configured to manage.

FIG. 12 is a diagram for explaining the system configuration of the electronic money system la when the value is managed by the electronic money server 2. The same components as those of the electronic money system 1 in FIG. 1 are denoted by the same reference numerals.

The electronic money card 6 and the mobile phone 7 store the electronic money function unit ID, and transmit the ID to the electronic money server 2 via the electronic money terminal 8 and the Internet 4.

The electronic money terminal 8 reads the electronic money function unit ID from the electronic money card 6 or the mobile phone 7, and transmits it to the electronic money server 2 together with the payment amount and charge amount input by the person in charge.

The electronic money server 2 is provided with a value database 72 and a value processing unit 71. The value database 72 stores values in correspondence with the electronic money function unit IDs of the mobile phone 7 and the electronic money card 6 and stores them. ing.

The value processing unit 71 is from the electronic money terminal 8 (when communicating directly with the mobile phone 7 or the electronic money terminal 8 via the Internet 4, from the mobile phone 7 or the electronic money card 6), the electronic money function of the mobile phone 7 The department ID and the charge and the amount to be settled are obtained, and the value stored in the value database 72 is increased or decreased accordingly.

Thus, in the electronic money system la, charging and settlement are performed on the value stored in the electronic money server 2.

Further, although not shown, the electronic money server 2 has a support target person database 55, a member store, and the like. The database 56, the grant database 53, the transaction database 54 and the like are provided. Every time the electronic money server 2 charges or settles in the crown database 72, the electronic money server 2 updates the database 54.

Then, the electronic money server 2 collates the transaction database 54 with the subsidy database 53 to obtain the sum of the settlement amount in the subsidiary store for each electronic money function unit ID and the sum of the settlement amount in the subsidiary not for subsidiary assistance. The amount of money to be charged in the value database 72 can be determined for each electronic money function unit ID as in the embodiment and the first modification.

In the embodiment, modification 1 and modification 2 described above, the affiliated store 3 in the predetermined area is the target shop for assistance, and the affiliated shop 3 outside the area is the non-subsidized shop in the area. It is also possible to promote regional development through this.

Claims

The scope of the claims

[l] ID storage device storing ro information,

A monetary value storage device that is associated with the ID and stores the monetary value as electronic data;

A reader that reads ro information from the ID storage device;

An amount change device that increases or decreases the amount stored in the amount storage device associated with the read ro information;

An information processing apparatus used in an electronic money system configured using the information processing apparatus, the section storing means for storing the reading device in a first group and a second group and storing the read device in the first group of reading devices; The first total amount, which is the sum of the amounts deducted by the amount-changing device when the blue text is read, and the amount deducted by the amount-changing device when the information is read by the reading device of the second group. A total amount acquisition means for acquiring at least one of a second total amount which is a total;

Total amount output means for outputting the acquired total amount;

An information processing apparatus comprising:

[2] The total amount acquisition means acquires the second total amount.

An increase request receiving means for receiving and storing an increase request for the amount of money stored in the amount storage device;

Subtraction means for subtracting the second total amount of money output by the total amount output means from the amount of money increased by the stored increase request;

Notification means for notifying the money amount changing device of the subtracted amount;

The information processing apparatus according to claim 1, comprising:

[3] The total amount acquisition means acquires the first total amount.

The information processing apparatus according to claim 1, further comprising: notification means for notifying the money amount changing apparatus of the first total money output by the total money amount output means.

[4] The reader classified into the first gnolep is installed in a store where the payment with the amount of money stored in the amount storage device associated with the ro information is registered as appropriate. The reader classified into the second gonorape is the amount of money associated with the ro information. The information processing apparatus according to any one of claims 1, 2 and 3, wherein the information processing apparatus is installed in a store which is registered in the storage unit as being not suitable for settlement of the amount of money stored in the storage unit. .

ID storage device which stores ro information,

A reader that reads ro information from the ID storage device;

Information processing method performed by an information processing apparatus used in an electronic money system configured using

The information processing apparatus includes a division storage unit that stores the reading device into a first group and a second group and stores the total amount acquisition unit and a total amount output unit, and the total amount acquisition unit A first total amount of money, which is a total of the amount of money reduced by the money amount changing device when information is read by the first group of reading devices;

(2) a total amount acquisition step of acquiring at least one of a second total amount, which is the sum of the amount reduced by the amount change device when the ro information is read by the reading device of the second group;

A total amount output step of outputting the acquired total amount by the total amount output means;

An information processing method comprising: