WO2018163312A1 - Electronic wallet and computer program - Google Patents

Electronic wallet and computer program Download PDF

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Publication number
WO2018163312A1
WO2018163312A1 PCT/JP2017/009176 JP2017009176W WO2018163312A1 WO 2018163312 A1 WO2018163312 A1 WO 2018163312A1 JP 2017009176 W JP2017009176 W JP 2017009176W WO 2018163312 A1 WO2018163312 A1 WO 2018163312A1
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WO
WIPO (PCT)
Prior art keywords
electronic
electronic money
electronic wallet
unit
history
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PCT/JP2017/009176
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French (fr)
Japanese (ja)
Inventor
幹直 小林
石川 拓也
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株式会社ミックナイン
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Priority to PCT/JP2017/009176 priority Critical patent/WO2018163312A1/en
Publication of WO2018163312A1 publication Critical patent/WO2018163312A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

Abstract

The present invention provides an electronic wallet which can more simply make payments between individuals. The electronic wallet is provided with: an input unit to which an instruction to transmit a payment request is input from an operator; an electronic money control unit which controls a communication unit and allows the communication unit to transmit, to another electronic wallet, the payment request; and the communication unit which transmits, to the other electronic wallet, a payment request instruction, when the other electronic wallet contacts the present electronic wallet. In addition, the other electronic wallet is provided with: a communication unit which receives a payment request from another electronic wallet; an electronic money control unit which transmits, to a communication means, electronic money that corresponds to the amount of electronic money included in the payment request and subtracts, from a money amount information holding unit, the amount of the electronic money included in the payment request; and the money amount information holding unit, wherein the communication unit transmits the electronic money to an electronic wallet that is contacting the present electronic wallet.

Description

Electronic wallet and computer program

The present invention relates to a technique to manage and operate the electronic money. In particular, the technology user individuals to deposit, withdraw electronic money to each other in the electronic wallet each other to hold, ie, an electronic wallet, and a computer program that can be carried out person-to-person payment.

In recent years, the electronic money has been widely used. Sumi also not carry around cash, also, because the exact amount of the face value is payment-withdrawal, because there are a number of benefits useful, such as there is no need to consider the Otsuri, it is rapidly spreading in the world .

Conventional, typical type of electronic money is intended for use in stores with a predetermined reader function of transmitting and receiving electronic money between individuals in many cases not provided. To deposit, withdrawal of electronic money between individuals, in many cases, are doing a bank transfer, such as procedures on the net. In other words, basically, under the net connection environment, through the financial system such as a bank on the net, remittance has been performed, the received side, the balance of self-account of the financial system that there was a transfer it is possible to know from.

In this way, the conventional electronic money is based on the premise that there is a net connection environment, if you can not have a net connection, for example, local and there is no net environment, it is difficult to use in the underground radio waves do not reach, etc. .

Further, in the case of the remittance of the electronic money between individuals, in many cases not forced to use the technique or the like according to the bank transfer, etc. of real money by so-called Internet banking. Therefore, in some cases occur a time limit on the transaction. In addition, there is also a case where the transfer of electronic money requires a certain amount of time to reach to the other party, is often not suitable for real-time trading. It should be noted that, for the "electronic money", in this case the genuine currency of reality is referred to as a "real money".

However, small shops and, taxi payment, etc., face-to-face a small settlement, desire to do the simple There are many. For example, in the case of such small-scale individual shop, that bother an electronic money reader for the settlement monetary burden is large. In addition, in the case of payment, such as a taxi, it is worth to use the electronic money for it is not necessary to pass the Otsuri is high. In addition, if transfer of funds between individuals, small and your, because the "advance" is to facilitate the day-to-day shopping, day-to-day convenience is improved.

For such applications, in the conventional electronic money, transfer of funds between the individual (person-to-person payments) is likely to be a complicated procedure, it is often difficult to do on a daily basis. In particular, for each funds transfer, if it is necessary to commission such as the transfer of the bank account, in order to costly, transfer of funds between individuals is to not more done trend.

Here, settlement and between firms other than person-to-person payment, settlement using commercial premises (product in-store purchases, payment of fare in transportation facilities) in, can be easily introduced a relatively large-scale equipment, As a result, building a connection environment to the network is available. Therefore, transactions via the management device and server device on the network can be easily performed. In other words, it was possible to and within the bank branch, store inside, a-out stable business in the interior of the terminal and the fixed location of the ticket gate or the like of the station of transportation.

However, as described above, in the person-to-person payment, it may not necessarily be performed under conditions no connection environment to the network. Etc. If it returns to pass pocket money from parent to child, your your fishing, necessarily do not necessarily the case where the communication to the network environment is in place, the connection for the sake of security, etc., to the network connection or a mobile telephone network person-to-person payment even in places and shops that has not been observed is a convenient, if possible.

In addition, when you attempt to person-to-person settlement, but it is desirable to carry electronic wallet that individual is suitable to it, electronic wallet that such individuals to carry can not be a large-scale configuration, There needs to be a small device that is suitable for mobile, configuration and like the large installed in banks and other ATM, it is difficult to adopt a configuration such as ticket vending machines of transportation.

Here, an example of Patent Document called can perform human settlement below.
<Patent Document>
The following Patent Document 1, the electronic wallet called family is disclosed. According to the electronic wallet system shown here, there are multiple devices on an open network, each include a smart card reader. Then, the smart card to be read in the smart card reader is purse. Of the devices, one is a server can receive tokens from other purses. Therefore, if there is no payee purse even server by receiving a token has been described to be able to transfer the token.

The following Patent Document 2, on the Internet, electronic payment system that can perform personal between commodity trading is disclosed. According to this system, the settlement server, the seller of the account of the goods, to issue electronic money of the amount of money received from the successful bidder of the terminal. This with a notify the successful bidder to the effect that settlement has been completed, to notify the seller that the electronic money is issued.

The following Patent Document 3, remittance settlement system is disclosed. According to the remittance settlement system, remittance terminal based on the received remittance information, it transmits the electronic money with respect to receipt terminal. Receiving terminal receives the electronic money, and transmits the receipt information. Further, remittance management device, if the process of transfer of such electronic money has been interrupted, or revert to a previous transfer process, to determine whether to shift to the state after the transfer. Thus, consistency is described as being retained.

Further, the following Patent Documents 4 and 5, interindividual remittance systems and remittance management server is disclosed which is capable of identifying the transfer destination by the telephone number.
The following Patent Document 5, in order to prevent billing fraud effectively interindividual remittance systems and remittance management server capable of performing telephone communication between the sender and the recipient are disclosed.

JP 2001-266028 JP JP 2003-331202 JP JP 2007-172358 JP JP 2010-108177 JP JP 2011-128837 JP

As shown in the patent documents described above, in the electronic money system suitable conventional interpersonal settlement has assumed network, in a state that can not be networked, it is difficult to perform settlement.

In particular, in Patent Document 1, since the server is present, it becomes impossible transfer in a state that can not be connected to this server. In Patent Document 2, the payment server manages the status of remittance, since the notification to the user, in a state that can not be connected to the payment server, it is impossible to perform the transaction. Further, in Patent Document 3, since it is assumed remittance management device, to perform the payment remittance management apparatus can not manage is inherently difficult.

Further, in Patent Document 4. Because it presupposes the use of a remittance management server in a situation that can not telephone communication can not be remittance processing. Similarly, in Patent Document 5, since it is assumed conversation like telephone, it is difficult to perform the interindividual transfer in a situation where no through telephone.

Thus, in the conventional electronic money, and if there is no so-called net connection environment, rattan If you can not telephone communication, settlement and there is no environment in which it is some sort of communication there is a problem that it is difficult. The presence of such some management device servers or demand management apparatus, it is required in the conventional electronic money. Under such restrictions, local and can not be net connection, basement that radio waves do not reach, in the top of the mountain, such as there is a problem that the electronic money can not be used.

As mentioned above, a scene that tries to person-to-person payment, unlike the purchase or the like in the store, always there are many situations where the connection environment to the network is not ready. So, it is desirable if there is an electronic wallet that can person-to-person payments even under circumstances no connection environment to the network, such electronic wallet is not yet known.

The present invention has been made in view of the above problems, its object is a person-to-person payment, is to provide an electronic wallet and a program capable more simply.

The present inventors have found that in order to solve the above problems, suitable for personal settlement proposes an electronic wallet person can carry. In particular, in the electronic wallet each other with the same self-configuring, propose an electronic wallet that can be easily run the individual settlement.

The present invention specifically employs the means as described below.
(1) The present invention, in order to solve the above problems, a communication unit that communicates with other electronic wallet, a communication unit capable of performing communication in a state in contact with the other electronic wallet, the electronic money and amount information holder for holding information of the amount of the electronic money controller for controlling the operation of the electronic wallet, an input unit for inputting an instruction of the operator, wherein the input unit from the operator If you enter a transmission instruction billing, sending a transmission instruction of the billing to the electronic money controller, the electronic money control unit receives a transmission instruction of the billing, and controls the communication unit, wherein the communication unit, a billing based on the transmission instruction is transmitted to the other electronic wallet, the communication unit is controlled by the electronic money controller, the other electronic wallet the electronic wallet When in contact with, and transmits the payment request instruction to the other electronic wallet, the billing instructions, at least, an electron characterized in that it comprises an amount of electronic money according to the transmission instruction of the billing a wallet.
Electronic wallet according to the present invention is basically settled an electronic wallet and other electronic wallet of the same structure, in the invention described above as "other electronic wallet", basically the same configuration as the self other electronic wallet, or may only comprise a settlement can function as at least the electronic wallet. The same applies to the later-described other electronic wallet of the present invention.

(2) Further, the present invention is an electronic wallet according to (1), comprising a display unit, controlled by the electronic money controller, the electronic money control unit receives a transmission instruction of the billing , at least, the amount of the electronic money contained in the transmission instruction of the billing, is displayed on the display unit, the electronic money control unit inputs the payment approval the input unit from an operator of the other electronic wallet when, by controlling the communication unit, the communication unit is an electronic wallet which comprises causing transmitted to the billing said other electronic wallet.

(3) Further, the present invention is an electronic wallet (1) or (2) wherein, the user information holder for holding information of the user of the electronic wallet comprises, in the billing further is an electronic wallet, characterized in that it contains information about the user.

(4) Further, the present invention, the above (1) or (2) The electronic wallet, wherein the user information holding unit holds the attribute information of the user,
Electronic wallet wherein the billing, further characterized to include the attribute information of the user.

(5) The present invention, in order to solve the above problems, a communication unit that communicates with other electronic wallet, a communication unit capable of performing communication in a state in contact with the other electronic wallet, the electronic money and amount information holder for holding information of the amount of the electronic money control unit for controlling the operation of the electronic wallet, wherein the communication unit, the billing from the other electronic wallet in contact Upon receiving, the billing, and transmitted to the electronic money controller, the electronic money control unit, when receiving the payment request, the electronic money equivalent to the amount of electronic money contained in the billing, the communication causes transmitted to the means, from said amount information retaining unit, subtracts the amount of electronic money contained in the billing, the communication unit, the amount of electronic money based on the billing The corresponding electronic money, an electronic wallet and transmits to said other electronic wallet.

(6) Further, the present invention is an electronic wallet (5), wherein the user information storage unit user of the electronic wallet holds prohibition information indicating the party that is not allowed transactions, the provided, the electronic money controller receives the payment request, the checks attribute information of a user of another electronic wallet contained in billing, the user information holding section the attribute information is not permitted information held If the bets do not match, the electronic money equivalent to the amount of electronic money contained in the billing, with is transmitted to the communication means, from said amount information retaining unit, the amount of electronic money contained in the billing subtracting, the communication unit, the electronic money equivalent to the amount of electronic money based on the billing, and transmits to said other electronic wallet It is a child wallet.

(7) Further, the present invention is an electronic wallet (5), wherein the user information storage unit storing permission information indicating the party that the user of the electronic wallet is allowed transactions, wherein the electronic money control unit, when receiving the payment request, and the checks the attribute information of the user of another electronic wallet contained in billing, the and authorization information which the user information holding unit holds attribute information if it meets, electronic money equivalent to the amount of electronic money contained in the billing, with is transmitted to the communication means, from said amount information retaining unit, it subtracts the amount of electronic money contained in the billing the communication unit of the electronic money corresponding to the amount of electronic money based on the billing, electronic Wo, characterized by transmitting to the another electronic wallet Tsu is a door.

(8) Further, the present invention is an electronic wallet as claimed in any one of the above (1) to (4), wherein the communication unit receives the electronic money from another electronic wallet, the electronic money, and sends the electronic money controller, the electronic money control unit, when receiving the electronic money, the amount of the electronic money is the electronic wallet, which comprises adding to the money amount information retaining unit .

(9) Further, the present invention is an electronic wallet according to (8), the electronic money control unit compares the amount of the electronic money received, and the amount of the transmitted said billing, if they match, the amount of the electronic money, as well as adding to the amount information retaining unit, sends a message to the effect that received the electronic money to the communication unit, the communication unit has received the electronic money the message indicating an electronic wallet and transmits to said other electronic wallet.

(10) Further, the present invention is an electronic wallet (9), wherein the history information holding unit for holding a history of the electronic money receipt, wherein the electronic money control unit, the electronic money received comparing the amount, and the amount of the transmitted said billing, if they match, a history of the electronic money receipt, the history including information of the amount of the electronic money, in the history information storage unit an electronic wallet characterized by recording.

(11) Further, the present invention is an electronic wallet (9), further comprising a display unit, controlled by the electronic money controller, the electronic money control unit, the amount of the electronic money received If, by comparing the amount of the transmitted said billing, if they match, an indication of receipt of successful the electronic money, and instructs the display unit, the display unit, based on the instruction, an electronic wallet which is characterized in that an indication of receipt of successful the electronic money.

(12) Further, the present invention is an electronic wallet as claimed in any one of the above (5) to (7), comprising a history information holding unit, which holds the payment history of electronic money, the electronic money control unit is a history of the electronic money payments, the history including information of the amount of the electronic money, an electronic wallet characterized by recording in the history information storage unit.

(13) Further, the present invention is an electronic wallet (12), wherein said communication unit, when receiving a message indicating that received electronic money, the electronic money control unit, the electronic money a history of payment, the history including information of the amount of the electronic money, an electronic wallet characterized by recording in the history information storage unit.

(14) Further, the present invention is an electronic wallet as claimed in any one of the above (5) to (7), a display unit, controlled by the electronic money controller, the communication unit , when receiving a message indicating that received electronic money, the electronic money control unit, an indication that paid the electronic money normally instructs the display unit, the display unit, the instruction based an electronic wallet which is characterized in that an indication that sent the electronic money successfully.

(15) Further, the present invention is an electronic wallet (10), wherein the wide area communication unit to be connected to an external wide area network, wherein the electronic money control unit, the electronic money receipt history and the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, and recorded in the history information storage unit, the electronic money control unit , for each predetermined period, the allowed attempts to connect to the management server to a wide area communication unit, when the wide area communication unit is able to connect to the management server, the electronic money control unit, said history information holding unit the history indicating that the upload flag is not uploaded and sent to the wide area communication unit, the wide area communication unit, the history that has been sent, the plants in Uploaded to the management server, wherein the electronic money control unit, the upload flag of the uploaded history, an electronic wallet and changes to the content indicating that uploading the history.

(16) Further, the present invention is an electronic wallet (12), wherein the wide area communication unit to be connected to an external wide area network, wherein the electronic money control unit, the electronic money payment history and the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, and recorded in the history information storage unit, the electronic money control unit , for each predetermined period, the allowed attempts to connect to the management server to a wide area communication unit, when the wide area communication unit is able to connect to the management server, the electronic money control unit, said history information holding unit history indicating that the upload flag in is not uploaded and sent to the wide area communication unit, the wide area communication unit, the history that has been sent, the Upload the constant management server, wherein the electronic money control unit, the upload flag of the uploaded history, an electronic wallet and changes to the content indicating that uploading the history.

(17) Further, the present invention is an electronic wallet (10), wherein the wide area communication unit to be connected to an external wide area network, wherein the electronic money control unit, the electronic money receipt history and the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, and recorded in the history information storage unit, the electronic money control unit , for each predetermined period, the allowed attempts to connect to the management server to a wide area communication unit, when the wide area communication unit is able to connect to the management server, the electronic money control unit, said history information holding unit the history indicating that the upload flag is not uploaded and sent to the wide area communication unit, the wide area communication unit, the history that has been sent, the plants in Uploaded to the management server, wherein the electronic money control unit, a history of the upload, an electronic wallet, characterized in here to be deleted from the history information holding unit.

(18) Further, the present invention is an electronic wallet (12), wherein the wide area communication unit to be connected to an external wide area network, wherein the electronic money control unit, the electronic money payment history and the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, and recorded in the history information storage unit, the electronic money control unit , for each predetermined period, the allowed attempts to connect to the management server to a wide area communication unit, when the wide area communication unit is able to connect to the management server, the electronic money control unit, said history information holding unit history indicating that the upload flag in is not uploaded and sent to the wide area communication unit, the wide area communication unit, the history that has been sent, the Upload the constant management server, wherein the electronic money control unit, a history of the upload, an electronic wallet and deletes from the history information holding unit.

(19) Further, the present invention, the above (17) or (18) The electronic wallet as claimed, the electronic money control unit, the capacity of the history and the upload flags are recorded in the history information storage unit but if it exceeds a predetermined percentage of the total storage capacity of the history information storage unit, an electronic wallet, characterized in that a warning to prompt the upload to the predetermined management server.

(20) Further, the present invention, the above (17) or (18) The electronic wallet as claimed, the electronic money control unit, the capacity of the history and the upload flags are recorded in the history information storage unit but if it exceeds a predetermined percentage of the total storage capacity of the history information holding unit, on the display unit, in the electronic wallet, characterized in that to perform display to prompt the upload to the predetermined management server is there.

(21) The present invention, in order to solve the above problems, a communication IC for communicating with other communication IC, communication IC which can perform communication in a state in contact with said other communication IC When the electronic money controller for controlling the operation of the electronic wallet, comprising: an input unit for inputting an instruction of the operator, and the communication IC may hold information amount of electronic money internally the input unit inputs the payment request instruction from said operator, said billing instructions were transmitted to the electronic money controller, the electronic money control unit, upon receiving the payment request instruction, the communication IC controls, the communication IC, the billing instructions to send for the communication IC other electronic wallet, the communication IC is controlled by the electronic money controller, the said payment request instruction And sending to the communication IC electronic wallet, the billing instructions, at least, an electronic wallet which comprises a amount of electronic money according to the billing instructions.

(22) The present invention, in order to solve the above problems, a communication IC for communicating with other communication IC, communication IC which can perform communication in a state in contact with said other communication IC When the electronic money controller for controlling the operation of the electronic wallet, and a display unit controlled by the electronic money controller, the communication IC is billing from communication IC other electronic wallet Upon receiving the instruction, the electronic money equivalent to the amount of electronic money contained in the billing instructions, and transmits to the other communication IC electronic wallet, electrons present communication IC holds from the amount of money, as well as subtracting the amount of electronic money contained in the billing instructions, and sends that paid the electronic money in the electronic money controller, the electronic money control Instructs the display unit to display that paid the electronic money, based on the instruction, in the electronic wallet which comprises a display unit for displaying that paid the electronic money is there.
Here, (21) (22) and the other communication IC of the other communication IC of the communication IC isomorphic of the invention, or can communicate with at least the communication IC is the meaning of the Do communication IC.

(23) The present invention, in order to solve the above problems, a computer, a computer program for operating as electronic wallet according (1), to the computer, and inputs a transmission instruction billing from the operator and procedures, the billing instructions based on the transmission instruction, when the other electronic wallet is in contact with the electronic wallet, and transmitting to the another electronic wallet, is executed, the billing instructions at least a computer program which comprises the amount of electronic money in accordance with the transmission instruction of the billing.

(24) The present invention, in order to solve the above problems, a computer with a money amount information holder for holding information of the amount of electronic money, a computer program for operating as electronic wallet according (5), the computer, a step of receiving the payment request from the other electronic wallet, the amount of electronic money contained in the billing, the procedures for subtracting from the amount information retaining unit, the electrons contained in the billing electronic money equivalent to the amount of money, a computer program for a procedure to be transmitted to the other electronic wallet in contact with the electronic wallet, characterized in that for the execution.

Thus, according to the present invention, it is possible to easily, interindividual settlement to realize an electronic wallet as possible.

It is a block diagram of an electronic wallet according to the first embodiment. Is a flowchart illustrating an operation of the electronic wallet according to the first embodiment. Is a flowchart illustrating an operation of the electronic wallet according to the first embodiment. It is a block diagram of an electronic wallet according to the second embodiment. Is a flowchart illustrating an operation of the electronic wallet according to the second embodiment. It is a block diagram of an electronic wallet according to the third embodiment.

Hereinafter, the state of individual payment using electronic wallet and the electronic wallet according to a preferred embodiment of the present invention will be described with reference to the drawings.

The first embodiment. The diagram 1 of an electronic wallet (1) electronic wallet, a block diagram of the electronic wallet 10 of the embodiment 1 is shown. As shown in the figure, the electronic wallet 10 includes a communication unit 12, the money amount information holding section 14, the user information holding section 16, an electronic money controller 18, a display unit 20, an input unit 22, the It is provided.

Electronic wallet 10 may be suitably constituted by a computer. For example, it and a smart phone (Smart Phone), various portable electronic devices, various portable information devices, various portable communication equipment, various types of portable game device, be implemented in a variety of portable music device and the like. In addition, a notebook personal computer or may be realized in the tablet personal computer or the like. In addition, it may be realized by a wearable computer.

The electronic wallet 10 to be described in this embodiment 1 (2-3) (30, 40) are both with another electronic wallet 10 having the same configuration (30, 40), performs settlement It is based on the premise that. in this way,
The communication unit 12
The communication unit 12 is a means for communicating with other electronic wallet 10.

Electronic wallet 10 of the embodiment 1 is an electronic wallet which is suitable for inter-individual settlement in face-to-face use, in the electronic wallet 10 which is preferably used in the context of face-to-face transaction between the user personal user (person-to-person payments) is there. Therefore, the communication unit 12 may be any communication means capable of performing communication in a relatively short distance. For example, it is preferable to employ a communication means capable of performing communication based on the so-called NFC (Near Field Communication). Other, be any unit that can communicate at close range, other communication means (wireless, wired) may be used.

In the context of trading electronic wallet 10 in the normal cash in the present embodiment, an electronic wallet 10 which is suitable for electronic money that can be used as well as intact cash transactions. Therefore, if the communication means can communicate at a distance of approximately close contact to several about m, it can be used as a communication unit 12. That is, from a state where the electronic wallet 10 to each other are substantially in close contact may be a communicable state which is remote by a distance of several m.

As described below, from the viewpoint of safety of the transactions in real personal between settlement, it is preferable to perform communication as close to the contact state is almost in contact with the electronic wallet 10 to each other. When used alone such usage, the adhesion (contact) communication only when to several cm about may be the means that can be performed. With such a short distance only possible communication means, it is possible to prevent the communication I'll be spaced more than a few cm is interrupted, thereby running the unexpected settlement.
The communication unit 12 may be utilized, such as configuration of the communication interface of the computer.

Amount of money information storage unit 14
Amount information retaining unit 14 is a means for retaining the amounts and types of the electronic money electronic wallet 10 is held (dollar, the kind of currency yen, etc.), various semiconductor storage means (memory) is available. Further, employing the storage means of the so-called non-volatile, power is preferable that the content be turned OFF is held.

In the present embodiment 1, implementation method of the electronic money is not particularly defined. This amount information holding section 14, the amount of electronic money, if for example 10,000 yen, such as "10000", the amount may be in such a manner as to hold the numerically. It may also in a manner such that the data representative of the value (amount) is stored in the storage means. For example, if the 10,000 yen, 1 yen data, 1 may be in the form as data retention, may be in the form as thousand data is 10 data retention. In the present embodiment 1, the electronic money implementation method is not particularly limited. For example, it may be such data in the block chain (BlockChain is a registered trademark). Further, in the present embodiment 1, the electronic money, which has the actual currency electronically representation, circles and dollar may be electronic money corresponding to the Euro and the like. Amount information retaining unit 14, and numerical amount, if a record of the type of such currency may correspond to the currency of various.

It is also preferred to equip a plurality of types of amounts to be retained. For example, it is preferable to hold 10000 yen as circles 1000 of $ dollars 100 euros euros, the amount for each currency as. In this case, when the deposit the electronic money (receiving), depending on the type of currency deposit the electronic money is credited by distributing appropriate. In the case of dispensing (paying) is user may be configured to select the currency of appropriate payment. Further, it may be configured such currency according to claims from the electronic wallet 10 of the other party is automatically selected.

As the type of electronic money to be held, not only the currency type, it may be allowed provided separately depending on the application (subjects). For example, a company of the necessary expenses, self of entertainment expenses, if managed separately in travel expenses, etc., which is convenient on the accounting treatment. In this way, the use case to be divided into each (subject) is, settlement of history as well, so be taken for each type, it can be useful at a later date accounting treatment and the like, it is convenient. Settlement history, it is preferable to be recorded in the history information holding unit 24 described later.

It should be noted that, rather than the actual currency, it is also possible to use a so-called virtual currency. It may also be configured to hold such a point of shopping points. In addition, the electronic money in the electronic wallet, may be provided a mechanism to replace the shopping point. Further, a shopping point may be provided a mechanism to input is converted into an electronic money.
The amount information holding section 14, it is preferable to keep encrypted. Encryption may utilize a variety of cryptographic conventionally known, may also be employed a mechanism of error check code and the like.

User information storage unit 16
Amount information retaining unit 16 is a means for holding to hold the information of the user of the electronic wallet 10, various types of semiconductor storage means (memory) is available. Further, the user information holding unit 16 may utilize the storage means of the so-called non-volatile. Here, the user refers to the owner of the electronic wallet 10. As will be described later, the person who "operation" actually the electronic wallet, may not necessarily be the user.

In the present embodiment 1, the information of the user, are various, but basically classified into ID and other information which is identification information.
ID in this embodiment is a system ID, a personal ID, is. System ID is the electronic wallet 10-specific information, and MAC address, etc. serial number is used. The system ID is effectively utilized when for performing various management. This system ID is an essential ID as a general rule.
On the other hand, the personal ID is information indicating the user, the personal ID in principle to operate at unnecessary (anonymous), the electronic wallet 10 is assumed. Similarly, in other embodiments described later, the personal ID is not (blank or referred to as anonymous) assumes that. Of course, if you wish in particular, the user, can also be registered in their own name and address, etc. as a personal ID.

Conventionally, when you made a purchase in cash at a given store, the user of the information you have purchased is not left at all in the shop side, personal information is protected. Electronic wallet 10 of the present embodiment is also intended to achieve a cash transaction of such a conventional individual, as a general rule, personal ID are referred to as "anonymous", "anonymous". As a result, even if the payment of electronic money by using the electronic wallet 10 according to an embodiment of the present invention, the personal information of the payer is a general rule that you do not remain in the party. It should be noted that, if the self wants to explicitly leave that you have to pay, it is also possible to register the own name (name) and address such as a user ID.
Further, when use of the electronic wallet 10, in order to perform the authentication of the authorized user, it is preferable to also be held password for the user. Password is a kind of additional information other than the ID as described above, is used for performing authentication to determine whether the authorized user (not necessarily the owner). Even for anonymous (personal ID = Anonymous (or bearer)), this password may be set.

Further, the user information holding unit 16, by selection of the user, the other information other than ID, may by variously held. Other information other than ID, other passwords which have already been described, for example, may be held various attributes other than the address and age of the user. Attribute information of these users, it is also preferable for the user to configure so as to select appropriate when starting the use of the electronic wallet 10.

Here, the various attributes of the user, for example, industries such as the user can be considered. For example, a user if the attribute of adult play facilities, it is also possible to apply a restraint of trade so children can not use the electronic money 10 in the play facilities alone. In addition, as the various attributes of the user, whether individual (natural person), may be put in a corporation or attributes. Electronic wallet 10 of the embodiment 1 is an electronic wallet 10 which is suitable for person-to-person payment, a means of settlement as an act of an individual, be applied to a case individuals as executing a trade in the name of corporations good. In other words, the user of the electronic wallet 10 (owner) may be the name of the corporation.

As described above, the user information holding unit 16, a system ID which is identification information of the electronic wallet 10 is retained, personal ID indicating the personal information of the user, in principle, "Anonymous" "Bearer It becomes ".
However, if the anonymous (anonymous), but personal information is protected, when you lose your electronic wallet 10, because then an owner of the found electronic wallet 10 is unknown, it is difficult to return to the owner.

Basically, the electronic wallet 10 according to an embodiment of the present invention are those that are aiming the same way as the real money, As a result, if you lose, in the same way as normal literally "wallet", is basically it is difficult to return to the owner.
It should be noted that, even in the case of anonymous, as described above, if the password is set, to reduce the possibility that a third party of malice that was picking up the electronic wallet 10 you have lost will to use the electronic wallet illegally can.

Permission information and unauthorized information also, the user information holding section 16, as a kind of attribute information of the user, it is also preferable to include a permission information. The permission information is information for identifying the other party (user of another electronic wallet 10 is a counterparty) for allowable partner interindividual settlement using the electronic wallet 10. Electronic money controller 18, the attribute information of another electronic wallet 10 of the other person-to-person payment, comparing the self-permission information held by the user information holding section 16, if match is both interindividual settlement the may be configured to perform.
For example, it is possible to prevent that the electronic money is defined to buy office supplies such as stationery, it is used in other than the stationery store. In this case, as the attribute information is, for example, "stationery shop", cited as permission information, as the case is an example of, for example, "stationery shop", "office supply store," "writing instrument shop", "office supply stores" and the like have been described It is. Thus, stationery store attribute information, even if included in the permission information is given as one example of the meets.

Such control can be limited to electronic money used destinations stored in the electronic wallet 10, it is possible to prevent fraudulent transactions.

Further, the user information holding unit 16, as a kind of attribute information, it is also preferable to include non-permission information. The prohibition information is information for specifying a not allowed as partner interindividual settlement party. Electronic money controller 18 compares the attribute information of another electronic wallet 10 of the other person-to-person payment, and a self-unpermitted information held by the user information holding section 16, an individual if they do not match it may be configured to run between the settlement.
This control, for example, can be minors, prevents the use of electronic money in racetrack like. In this case, the attribute information is, for example, "racetrack", as non-permission information, if can be mentioned as an example that is described, for example, "racetrack" "Velodrome" like. In such cases, racetrack attribute information, even if it contains non-permission information, given as an example of a case where in agreement.

This control, for example, it is possible to limit the electronic money usage destination stored in the electronic wallet 10, it is possible to prevent fraudulent transactions.

This control, with respect to what can not be purchased by the user, it is possible to prevent the electronic money stored in the electronic wallet 10 is used.

Electronic money control unit 18
Electronic money control unit 18 is a control means for controlling the operation of the electronic wallet 10, to perform the operations of deposit, withdrawal of electronic money and, to display the amount of electronic money on the display unit 20, the user entering instructions to through the input unit 22, and perform other operations. Electronic wallet 10 may be implemented by a computer, the electronic money control unit 18 may be composed of a computer such as a CPU (or processor), a program which CPU (processor) performs. The program, which corresponds to a preferred example of a computer program claims.

The display unit 20
The display unit 20, to the user, various kinds of information and messages of the electronic wallet 10, a means for displaying the status of operation, for example, a liquid crystal display and the like. The display unit 20, various display means other than the liquid crystal, for example, an LED display device, an organic EL device, it is also possible to use a plasma display or the like. Display unit 20, it is also preferable to use the display as a peripheral device of a computer.

Input unit 22
The input unit 22 is means for inputting a command and operation of a user, it is possible to use a touch panel or a keyboard. It is also possible to use various pointing devices such as a mouse, trackball or touch pad. Input unit 22, it is also preferable to use the various input means or the like used as a peripheral device of a computer.

In Embodiment 1, the display unit 20 and input unit 22 is preferably utilizes a (liquid crystal) display with a touch panel that is integral. In particular the electronic wallet 10, since the individual is assumed to be portable, with a touch panel in terms of the compact configuration (liquid crystal) display is suitable. Therefore, in the following description, a description about the touch panel display.

The history information storage unit 24
History information holding unit 24, payment processing history acquired with the electronic wallet 10 (history) is recorded. History information holding unit 24, and the amount information retaining unit 14, similarly to the user information holding section 16, a predetermined storage device are realized by using for example a semiconductor memory device. Further, the history information storage unit 24, and the amount information retaining unit 14 may share the same storage device and the user information holding section 16. This history information holding unit 24 also, it is preferable to configured using the storage means of the so-called non-volatile.

In the present embodiment, the deposit process (reception), continue to record the respective dispensing process (paying), as time series history. For example, date and time that the settlement has been made, the amount, it is preferable to continue to record information of the electronic wallet 10 of the other party, and the like. Although personal ID of the electronic wallet 10 of the other party in some cases of anonymity, that case may be recorded as "anonymous". Even if the personal ID is anonymous, if the system ID is registered, it is preferable to record the system ID of the electronic wallet 10 of the other party.

History information holding unit 24 is the processing of the history every time there is a change in the sum information holding section 14 is gradually are recorded, as described above, in some cases money amount information holding unit 14 holds a plurality of types of money . For example, there is a case to hold the amount of the yen and the dollar. In that case, history will be recorded for each of the plurality of the amount of money (yen, dollar each).
Although not shown, the electronic wallet 10 includes a power supply for supplying power to perform the operation. The power supply may be a power supply that utilizes a so-called battery, but may be available to constitute a commercial power source such as an AC adapter. Once you have the power OFF state, the electronic wallet 10 stops its function, it is possible to prevent the unexpected settlement will be done by inadvertently contact with another electronic wallet 10 it can. It is possible to provide the results from the secure electronic wallet 10.

The above respective units of the electronic wallet 10 are interconnected by a bus 26, you can send and receive instructions and data with each other.

As described above, the electronic wallet 10, it is preferable to realize a mobile terminal such as a smart phone. For example, the mobile terminal, by installing the given computer program (application), it is preferable to realize the above-described sections.

(2) Operation Hereinafter, with reference to the drawings, an operation flow of the interindividual settlement using the electronic wallet 10.

(2a) a user who wants to use the use start process electronic wallet 10 of the electronic wallet, first, to install the computer program in its own smart phone for the electronic wallet 10, to start using. The computer program is a program for operating a smart phone as an electronic wallet 10, the operation described in the detailed description of the present invention are described by the computer program. The computer programs represent one preferred example of a computer program claims. The computer program, hereinafter simply referred to as program. Also, Store app, even application like, corresponding to the preferred examples of claims computer program.

Figure 2 is a flowchart showing the operation for starting use of the electronic wallet 10.

In step S2-1, the user first, to download the program for the electronic wallet 10 to own a smart phone. The program, it is preferable to install the downloaded from a predetermined Web site on the Internet. For example, it is also preferable to download from Google Play (registered trademark) and the iTunes Store (registered trademark), etc. Web site. Further, it is also preferable to be supplied as a so-called store app. Android (R) Store app, various programs are provided as a store app Windows (registered trademark), and a program in their similar mechanism. The program may be stored in a storage medium such as a predetermined USB memory, it may be transferred to the program from the storage medium. Other programs in various ways may be transferred to the smart phone.

Specifically, the user performs a predetermined operation on an input unit 22 touch panel, instructing to download a predetermined program. Then, the electronic money control unit 18 based on such instruction, it is preferable to download the program from a predetermined Web site by using a predetermined internet connection means (not shown). Further, instead of the Internet, the program can be installed the program by using the storage medium such as a USB memory that is stored. The predetermined Internet connection means may utilize various conventional means. And communication means for utilizing a communication line such as a cellular phone, other Wi-fi connection means may be configured as a connectable device communication unit 12 to the Internet in FIG.

In step S2-2, the user has to download the (transferred) program, to install its own smart phone. At the time of the installation, the user, ID of the user (system ID, personal ID), user name (or anonymous), to enter a password. Further, the user may be configured to be able to enter a variety of other information.

Further, system ID may be input by the user, it may be constructed manufacturing number or MAC address of the smart phone to be directly applied. The personal ID is, as described above, an anonymous principle, that case may be anonymous also the name of the user (anonymous).
Use preparation of the electronic wallet 10 is ready in the above-described process. Hereinafter, it activates the program (application), the smart phone or a computer or the like can be operated as an electronic wallet 10.

Incidentally, once terminate the program, since it no longer functions as an electronic wallet 10, without unexpected transaction occurs, it is possible that the user carries carry safely. In this case, if the user again starts the program, it can be used as an electronic wallet 10.
Further, even in a state where the program is running, by issuing a stop command to the program, it is preferable to stop the operation of the electronic wallet 10. Such stop command, the user may input the appropriate input unit 2. Such stop command is sent to the electronic money controller 18, the electronic money control unit 18 receives the stop command, maintains the state of stopping the operation of the electronic wallet 10. Operation of the electronic wallet 10 in this state is stopped, it becomes impossible to perform the transaction. From this state, if the user inputs a start command from the input unit 22, the activation command is sent to the electronic money controller 18, the electronic money control unit 18 receives the activation command, as an electronic wallet 10 to start the operation.

Such operations and processing, to function as an electronic wallet 10 only if you want to use, otherwise it is possible to stop.

In step S2-3, the user is to deposit the desired amount of money in the electronic wallet 10 (charge). The user carries out the instructions of payment via the input unit 22. The instruction is sent to the electronic money controller 18, the electronic money control unit 18 performs the deposit process based on the instruction.

Deposit process (referred to as charge) may be performed in various ways. It is also preferable to charge in a similar manner as conventional electronic money. For example, by using a credit card, it may be credited. It is also possible to deposit using a predetermined prepaid card. The prepaid card purchased with cash, by entering the number of the card, the electronic money control unit 18 via the Internet, acquires the electronic money corresponding to the corresponding cash, the cash amount in the amount information storage section 14 it may be configured to increase by the amount. Here, the card number may also be read by optical means, such as, for example, a bar code reader. For example, it may be to read the bar code with the camera, which is installed in a smart phone.

In addition, by using the Internet shopping, to get only the number of the card, it may deposit the desired (paid) amount of money based on the number that the user takes. These processes are based on an instruction input by a user through the input unit 22, performs the electronic money controller 18.

Payment may be performed in other various methods. For example, via a predetermined charge terminal that has been prepared in a predetermined shop and train stations, etc., it may also be a payment from the cash or credit card (charge). In addition, in a manner equivalent to the bank transfer, it may be credited. That is, set the account corresponding to the electronic wallet 10 at a bank or the like, when the transfer to the account, the electronic money corresponding to the transfer amount is may be configured to be sent to the electronic wallet 10.

The electronic wallet 10 of the present embodiment, as described later, an electronic wallet 10 which can transfer-deposit electronic money with other electronic wallet 10. Therefore, it may be credited to the self of the amount of money information holding unit 14 receives the electronic money from other electronic wallet 10. In addition, in terms of the so-called shopping point to electronic money, it may be credited to the electronic wallet 10. In addition, as it is a virtual currency, or, may be credited to the electronic wallet 10 is converted into electronic money.
Further, the electronic money controller 18 performs these deposit process, if you increase the amount of money information holding section 14, and records such processing history information holding unit 24.

(2b) by using a flow electronic wallet 10 of the operation of the interpersonal settlement state of operation when performing personal between payment is shown in the flowchart of FIG. 3, the operation of the electronic wallet 10 of the receiving side (deposit side), the operation of the electronic wallet payment side (dispensing side) are shown. The electronic wallet 10 of the receiving side, for example, is an electronic wallet 10 of the stores that sell such products. The electronic wallet 10 of the payment side, for example, is an electronic wallet 10 of the purchaser to buy the goods.

In the present embodiment, thus, illustrating a state of the personal settlement when a person makes a transaction in person. However, the owner's own electronic wallet, corporation (store, companies) may be. Even if the store employees use the electronic wallet 10 of the store, in the present embodiment, it is referred to as the individual settlement. In other words, the individual settlement in the present embodiment, refers to the settlement to carry out acts of transactions that individual and the individual is carried out in a face-to-face (the work), the owner of the electronic wallet 10 (user) even if a corporation rather than individuals good. For example, it may be a settlement by the name of the shop. The name of this shop may be displayed on the display unit 20. Person who is not a user (for example, employee, clerk) may operate the electronic wallet 10. In the claims, referred to as an operator in the sense that people who perform these operations in particular. The operator may be a user (owner), it may be a person that the operation in response to an instruction from the user. In the present embodiment uses the term essentially user, if you want to mean a person operating not only the particular user may be referred to as operator.

In step S3-1, the user of the electronic wallet 10 of the receiving side (the operator), in order to send a payment request for the price of the commodity to the electronic wallet 10 of the receiving side, amount of money and, receiving the instruction and the like of transmission Ruru be input of the electronic wallet 10.
Specifically, a person who performs an operation (the operator) can be a user or the like (owner) other than the store salesperson, but unless otherwise distinguishing, referred to as a user. From the input unit 22 of the electronic wallet 10, as well as enter the amount of the commodity price, to enter an instruction to send the request of the commodity price to the electronic wallet 10 of the purchaser.

The input of the amount, it is also preferable that a user inputs by touching the input unit 22 by hand, using a camera provided in the smart phone, which is utilized as an electronic wallet 10 as a bar code reader and, it is preferable to read the bar code of the product to be sold. Camera provided in the smart phone and the like, often can be operated as an ordinary bar code reader is able to read even two-dimensional bar code as well as one-dimensional. By using such a mechanism may be configured to enter the selling price of goods. In this case, the camera corresponds to one preferred example of an input portion of the claims.

Amount of money, for example allyl at 10000 yen. By the way, at the time of the amount of input, it can also be configured to choose the type of currency. As described above, the sum information holding unit 14 may hold the amount for each currency, for example, a circle: 10000 yen, US dollars: 5000, etc., it may store the amount information retaining unit 14. Therefore, the side that billing may also be configured to be able to specify the type of "currency" of the electronic money as the amount of billing.

As a result, for example, in Japan, to run the person-to-person settlement by the circle, in the United States a person-to-person settlement by the US dollar, it is also possible to be able to execute consists of one electronic wallet 10.

ID of the user, for example, the system ID, an ID representing the user, such as "0000100". In addition, may be anonymously as personal ID, but in the case of the store, it is also preferred that such as the name of the "Suzuki electronics store." In addition, the name of a user, for example: can be freely set as "Suzuki electronics store in charge of Suzuki", may be put to the person in charge, it may be only store name. Universal, as already described, a user can previously set freely in the user information holding section 16. May be the name of the individual may be in the corporate name of the store. In addition, it may be a nickname specific name. Or it may be combined with the store name and contact name. Electronic money controller 18, the billing may include the attributes of the user as described above. For example, it may be included attributes such as "store". And instructions and this way amounts entered and transmitted to the electronic money controller 18.

In step S3-2, the electronic money control unit 18 sends the amount of this payment request to the display unit 20, display unit 20 displays the amount. Also, in this display, it may be displayed together with the contents of that amount. For example, display may be performed such as a personal computer purchase price. In addition, and user name, it may display the store name, and the like. In the display operation of the display unit 22 in step S3-2, and displays the amount of money according to the billing, and displays an OK button.

Then, in step S3-3, the user of the electronic wallet 10 of the payment side, looking at the display portion of the electronic wallet 10 of the receiving side, check the amount of money other information (the contents of the amount of money, a store name, etc.), If you are approved, to touch (or pressed) on the OK button.

The OK button of the touch corresponds to one preferred example of the payment approval of the claims. This payment approval, events willingness to pay of the user can be confirmed, may be used any one so long as it is a means that you can enter the event. In Embodiment 1, for example, the input unit 22 may be a touch input unit of the touch panel, independent keyboard or the may be a mechanical switch. If the input unit 22 using a mechanical switch or the like, it is preferable to have provided a key or button for payment approval.

Then, in step S3-4, the user of the electronic wallet 10 of the payment side, the electronic wallet 10 of the payment side, into contact with the electronic wallet 10 of the receiving side.

In step S3-5, the OK button in the input unit 22 of the electronic wallet 10 of the receiving side that has been touched is sent to the electronic money controller 18 of the electronic wallet 10, the electronic money control unit 18, the payment determining that authorization is input, an instruction to transmit the billing to the communication unit 12. The billing, amounts related to billing input by the user (for example, commodity price) and includes the system ID of the user of the electronic wallet (the store). In the case of a store, the personal ID and, it is preferable to include the name and the like of the store.
In addition, the billing may include the attribute information of the receiving user. This attribute information such as "racetrack," "stationery shop", may be any such attributes as long as it exhibits the industry and attributes of the receiving side. These attributes information can be utilized such as when paying side of the user is a minor, when performing control such that as unavailable racetrack like. In step S3-6 which will be described later, and these attribute information, the operation of the control using the permission information, the unauthorized information payment side will be described.

The communication unit 12 at the step S3-5 is sent if the electronic wallet 10 of the payer is in contact, with these amounts, names, the billing including attribute information such as the electronic wallet 10 of the other party. In addition, if not already in contact, it transmits wait a predetermined time to the electronic wallet 10 of the other party. What characteristic in the present embodiment, the communication unit 12 is that it is carried out communication (transmission) with the electronic wallet 10 in contact nearby using communication technology NFC.

<Contact>
Here, the "contact" does not mean that electrical contact means in the state of being equal proximate the electronic wallet 10 to each other are physically close contact from or contact . Typically a communicable distance communication technology called NFC, a case where approximately a distance of 0 ~ 1 m, Here, it is referred to as "in contact".

This "contact with are" state, the so-called and "Touch to have" state, also includes "holding up and are" state. However, in a typical NFC of communication technology, in many cases almost distance is based on the premise communication at 10cm about from 0. One Besides state in close contact communication to the other party and physically, since communication is possible even "are held up" state, in this embodiment, such "contacting" may state It is set to.

In the present embodiment, the communication unit 12, using the same technology and communication technology NFC, to communicate with "in contact" state with the electronic wallet 10 of the other party, and transmits the payment request. Looking communications, although the order of 0 ~ 1 m as described above corresponds to the "in contact" state in the present embodiment, particularly suitable in the practice of therebetween communicate at about 0 cm ~ 10 cm it is. If the 0 to about 10cm, is because interference with other electronic wallet 10 other than the electronic wallet 10 of the two, which carries out a personal settlement is considered to be less likely to occur.

Communication unit 12, if, when the other party is not in contact, until the other party of communication is "in contact" state to wait a predetermined time. Then, if the state party is "in contact", to communicate, to transmit the billing. If, even after a predetermined time has elapsed, if the other party does not become substantially "in contact" state, as any error occurs, stops transmission, electronic money control unit 18 an error occurs on the display unit 20 and it is preferable to display that.

Thus, in the present embodiment, since the other party is communicating in "contact with are" state, is less fear of communicating by mistake unrelated third party. In particular, in the person-to-person settlement of face-to-face, unlike the typical online shopping, etc., the other party (the buyer) is who or (the other party's name and age) is often not clear. It is preferred that such to identify the other party accurately even permits only communication in practice "in contact" state. Such behavior, it is possible to prevent erroneous transmission, etc. effectively.

In step S3-6, the communication unit 12 of the electronic wallet 10 of the electronic wallet 10 of the receiving side "in contact with that" payer (purchaser side), it receives the payment request. The communication unit 12 of the electronic wallet 10 of the payment side, as described above, and performs communication based on NFC technology can communicate only with the electronic wallet 10 of the other party in the "in contact" state .

As a result, the communication unit 12 of the electronic wallet 10 of the payer receives the payment request as described above, and transmits the electronic money controller 18. Electronic money controller 18 receives the billing and executes the electronic money payment (remittance). First, the electronic money controller 18 subtracts from the amount of the amounts included in payment requests that have been transmitted amount information holding unit 14 holds. Then, the electronic money control unit 18, the electronic money equivalent to the amount contained in the billing, instructs the communication unit 12 to transmit to the electronic wallet 10 of the receiving side. The communication unit 12 in accordance with this instruction and transmits the electronic money of the denomination the electronic wallet 10 of the receiving side. This sent the electronic money, the face value of the electronic money, and ID of the payment side of the user of the user, that it contains the preferred. The ID of the user, including but system ID as described above, the personal ID of the user of the payment side if you do not transmitted to the other party is "anonymous", "bearer" in many cases. In particular, in the case of individuals attempting to purchase goods at the store, since the user of the electronic wallet 10 of the payment side is often an individual, and as a personal ID more the case to be "anonymous", "bearer" Conceivable. As a result, the confidentiality of personal information is realized. Such payments side of the user's ID (Provides system ID, personal ID) is stored in the user information holding section 16 of the electronic wallet 10 of the payer.

<Permission information, use of non-permission information>
Thus in Embodiment 1, in step S3-6, when receiving the payment request, but transmits the electronic money equivalent to the amount contained in the billing to the electronic wallet 10 of the receiving side, this time, the above-described and authorization information, control may be performed using a non-permission information. As described above, the user information holding section 16, as a kind of attribute information of the user, can be included or permission information, the non-permission information.

If it contains permission information in step S3-6, the electronic money control unit 18 compares the permission information held in the user information holding unit 16, the attribute information included in the billing that has been transmitted , when both match performs transmission of the electronic money in the above-described operation. On the other hand, if not coincide, the transmission of electronic money is stopped. Such process may permit the payment of electronic money only for a given application or purpose. For example, permission information, and the like "post office", "communication company", the attribute information of the user of the receiving-side electronic wallet 10 of which are included in the payment claim is "post office", in any of such as "communication company" if so, it is possible to say that the matches may be carried out the transmission of the electronic money. Thus, and permission information, attribute information, for example, industry may be information representing the industrial type, and the like.

If it contains non-permission information, in step S3-6, the electronic money controller 18 and the non-permission information held in the user information holding unit 16, the attribute information included in the billing that has been transmitted comparison, if they do not match, and transmits the electronic money in the above-described operation. On the other hand, if it meets the transmission of electronic money is stopped. With such a process, it is possible to prevent the use of the goods and the like purchases and services that are not allowed to the user. For example, any non-permission information, "liquor", is like "tobacco sales", "liquor" attribute information of users of the receiving electronic wallet 10 of which are included in the billing, such as "tobacco sales" if any, can be said to be consistent, the transmission of the electronic money is stopped. As a result, if the mobile such an electronic wallet 10 to under-age users, it is possible to prevent the sale of alcohol to the user of the minors.

Next, at step S3-7, the communication unit 12 of the electronic wallet 10 of the receiving side receives the electronic money transmitted in step S3-6. The communication unit 12 transmits the received electronic money to the electronic money controller 18. Electronic money controller 18, the amount of electronic money (face value) is later confirmed whether they meet the amounts according to the billing, the amount, and adds the amount information retaining unit 14 of electronic wallet 10 of the receiving . Thus, the sum information holding section 14, amount of money according to the billing, increases the amount of electronic money and its retention.

In the step S3-7, the electronic money control unit 18, the contents of the individual payments are recorded in the history information storage unit 14 of the electronic wallet 10 of the receiving side. The contents of the recording, the user of the ID (system ID, personal ID) of the electronic wallet 10 of the payment side, the amount of electronic money in accordance with the payment, the date and time the settlement has been completed, such as it is preferable to include. In addition, it is also preferable to record the various attributes of the payment side of the user. If it is possible to record attributes such as age, sex, what whether it is possible to record the product was sold at any age, it is preferable from the standpoint of marketing research.

Next, at step S3-8, the electronic money control unit 18 in the electronic wallet 10 of the receiving side, it instructs the display section 20 to display that it has received correctly the electronic money. Display unit 20 which has received this instruction, displays to the user that the electronic money receipt has been completed successfully. For example, the user of the electronic wallet 10 of the receiving side, if a clerk or the like of a predetermined store by such display, the electronic money receipt can know that it has completed successfully.

Also, in the step S3-8, the electronic money control unit 18 in the electronic wallet 10 of the receiving side to send a message of receipt to the electronic wallet 10 of the payment side, it instructs the communication unit 12. The communication unit receiving the instruction 12 sends a message of receipt of the electronic money to the payer.

In step S3-9, the communication unit 12 of the electronic wallet 10 of the payer receives a message indicating that received the electronic money, and sends the electronic money controller 18. Electronic money controller 18 receives the message that the receipt of electronic money, it is determined that the individual payment is successful, so that an indication that payment successfully completed, instructs the display section 20 to. Display unit 20, which has received this instruction, to display the fact that the payment was successful. The user of the electronic wallet 10 of the payment side, look at this display, it is possible to know that the payment has been completed successfully.

Also, in the step S3-9, the electronic money controller 18 of electronic wallet 10 of the payment side, the content of the individual payments are recorded in the history information storage unit 14 of the electronic wallet 10 of the payer. The contents of this record, and the ID of the user of the electronic wallet 10 of the receiving side, the amount of electronic money in accordance with the payment, the date and time the settlement has been completed, such as it is preferable to include. Further, if the recipient is anonymous, as a personal ID of the receiving side, "anonymous" and "bearer" or the like is recorded. It is also preferred to record the various attributes of the receiving user. As described in the payment side, "age", but it is also suitable such as "sex", other, "retail store", "shop", "restaurant", recording the party of industries such as "transportation" as an attribute it is also preferable to. If you register such attributes, which in such subjects can be recorded whether the payment has been made, it is possible to contribute to the accounting treatment.

<Effects of Embodiment 1>
The operation as mentioned above, interindividual settlement is executed. Then, the electronic wallet 10 to each other are pulled apart, the movement of electronic money between individuals is realized. Note that before the process described above is completed, by such an electronic wallet 10 with each other is pulled away, when a state in which communication can not be performed, the processing as will be Until the transaction was not all it is preferable to perform. Further, for example, it is the same when the power is OFF in the middle.
According to the present embodiment uses the communication technology such as NFC, it is possible to perform more safely settled because the electronic wallet 10 to each other is possible only settled in a state in contact. Also, by keeping OFF the power of the electronic wallet 10 it can be prevented easily by unexpected settlement will take place.

In the embodiment described above, prior to settlement principle and checked the amount of the payment, it is possible to determine the payment, automatically compared to how the payment will be made, troubles difficult settlement method that occur can be realized.
Further, the electronic wallet 10 of the present embodiment, since holding the amount of electronic money therein, it is possible even without being connected to a separate management device or the like, executes a person-to-person payment. Therefore, also can run a person-to-person settlement in the state is not in the so-called net connection environment, shopping mall and underground, it is possible to run the radio waves of hard-to-reach places, even secure person-to-person settlement of the mountain.

<Modification of Embodiment 1 1: OK button omitted>
Further, in Embodiment 1, the user of the electronic wallet 10 of the payment side, but touch the OK button displayed on the display unit 20 of the electronic wallet 10 of the receiving side, of steps S3-3 it is also preferable to omit the touch.
That is, the electronic wallet 10 of the payment side, if the contact with the electronic wallet 10 of the receiving side, it is also preferable to configured in step S3-4, the automatic electronic money transmission is performed. In this case, the OK button is so no longer required, the display of the OK button in step S3-2 is not executed.

<Modification 2 of Embodiment 1: Omission of acknowledgment message>
In Embodiment 1, the electronic wallet 10 of the payment side, it is determined that the personal payment has been completed with a reception of the message that is received normally from the electronic wallet 10 of the receiving side, a predetermined item in the history information storage section 24 records and of, is doing an indication that was paid normally (step S3-9). However, even without receiving a message that has been received successfully, it may be individual settlement completion. In this case, after the step S3-6, electronic wallet 10 of the payment side, may be immediately shifts the process to step S3-9 is. The electronic wallet 10 of the receiving side, in step S3-8, it is not necessary to send a message to the effect that received successfully.

<Modification of Embodiment 1 3: various displays omitted>
In Embodiment 1, the electronic wallet 10 of the payment side, the electronic wallet 10 of the receiving side has made various displays for the user, how the processing operations are configured so as better seen. However, these display may be omitted because it is not a mandatory process for personal settlement. For example, the display of the amounts in step S3-2 is not required and may be omitted without essential also display of the OK button, as described above.

The display and at step S3-8, also displayed at step S3-9, it can be omitted. These displays are omitted, it is also preferable to be configured to emit a predetermined error display or warning only when an error occurs.

In addition, the user may be configured to be switched to "Display / do not display" with respect to the display. For example, one unfamiliar to the electronic wallet 10, is set to "display", to use while checking the processing operation, in the case that has been accustomed, it is also preferable to set to "Do not show".

<Modification of Embodiment 1 4a: store operation Part 1 of the history information holding unit>
In the first embodiment described above, the payment side receiving side, the content of the individual payments are recorded in the history information holding unit 14. Such history, user can also confirm or the like is displayed on the display unit 20 later. Further, history, in terms of confidentiality, the management company of predetermined administrators and the electronic wallet 10 (e.g., financial institutions) only, or the like may be configured to be browsed.
In the present embodiment 1, step S3-7, it stores the history in S3-9, depending on the application and purpose, it may be configured not to store the history. However, it is preferable to store the history in principle from the safety of the transaction.

<Modification of Embodiment 1 4b: history information holding unit of the storage operation that 02>
Also, it will be stored history, but may exceed the capacity of the history information holding unit 14, in that case the operation may take a variety of operations.

For example, the operation of the electronic wallet 10 may be stopped. In this case, it brought to the management company or the like of the electronic wallet 10, after performing the predetermined maintenance information fields suction or reset, etc. of the history information holding unit 14 may for available again.
Further, for example, it may be gradually erased from the old history of the history information storage unit 14. In other words, the history stored by the will exceed the storage capacity of the history information holding unit 14, the old history, is going to overwrite the new history.

In the second embodiment described below, an example is shown of uploading historical information to the management server, without being able to upload the history of interindividual settlement contemplated may exceed the storage capacity of the history information holding unit 14. In that case, it may perform operations described modification 4b of the first embodiment.

<Conversion to real money>
Incidentally, the electronic wallet 10, converted into real money, can be implemented in various ways.
For example, as described above, a predetermined terminal of the transportation has been explained that can pay the same manner as the conventional IC card (IC card type electronic money) in the same terminal, so that it can be redeemed to real money it is also preferable to configure.

Furthermore, it is also preferable to be able to execute a so-called bank transfer against your given account at a given bank. After that, if pulled out the real money from a given account, it is possible to obtain the real money. Of course, this transfer may be performed in transactions on the net, so-called Internet banking (Internet banking), and the like.

The second embodiment. The management server in Embodiment 1 has been described electronic wallet 10 capable of interindividual settlement by electronic money without using an external management device. However, if stored in a person-to-person payments to a predetermined (external) management server, attempt to verify and adjust the payment contents, etc. If the person-to-person payments need to verify and adjust its internal capacity has occurred it becomes easy. For example, if you need to prove the fact that went the payment actually occurs, the tax rate of consumption tax to check whether mistakes warmth whether the tax rate to be applied to the case that has been changed, even if the adjustment is necessary assumption It is.
When using such a management server, normal individuals settlement is executed as the first embodiment, if it becomes connectable to the management server, the history information of the personal settlement executed so far, outside of a predetermined it is preferable to be uploaded to the management server.

(1) The block diagram 4, a block diagram of the electronic wallet 30 is shown having such a function. As shown in the figure, the electronic wallet 30 includes a communication unit 12, the money amount information holding section 14, the user information holding section 16, an electronic money controller 18, a display unit 20, an input unit 22, a wide area It includes a communication unit 32, a. Among them, a communication unit 12, the money amount information holding section 14, the user information holding section 16, an electronic money controller 18, a display unit 20, input unit 22, described in FIG. 1 or the like in the first embodiment since the structure is basically the same as the description thereof will be omitted. These configurations are the following unless otherwise stated in the description, the characteristic configuration in the present embodiment 2 configured as the same in FIG. 1 of the first embodiment, a wide area communication unit 32, or less, the wide area communication unit 32 about the will be described.

Wide area communication unit 32
Wide area communication unit 32, the Internet and mobile telephone network, a means that can communicate with a wide area network such as the local IP network (also simply referred to as wide area network), means for connecting the external (e.g., remote) management server it is. This means, and Wi-fi connection means for connecting to the Internet, may utilize communication means or the like in the mobile phone. It is also preferable that a common part of the structure and the communication unit 12 in FIG. 1.

(2) Operation Hereinafter, with reference to the accompanying drawings, illustrating the manner of connection to the management server by the electronic wallet 30.
5 shows, the electronic wallet 30 from the state can not connect to the management server (basement, etc.), it can be connected state (e.g., when or the like up to the ground) is a flowchart showing the operation when it becomes as shown in the management server ing.

In step S5-1, the electronic wallet 30 checks whether connectable to the management server (not shown). Specifically, the electronic money controller 18 causes attempts to connect to the wide area communication unit 32 at predetermined intervals to an external management server field. Period, can take on a variety, it may set a period of about 1ms ~ 100ms. In addition, it may be a period of about 1 second to a few minutes. Depending on the frequency of interpersonal settlement occurs, it is preferable that a reasonable period. If the frequency of person-to-person payment is low, it may be a period of about 1 hour to 1 day. Wide area communication unit 32, as described above, is capable of connecting means to a wide area network such as the Internet (public network), it tries to connect to the management server connected to the wide area network. As a result, if the connection to the management server, the process proceeds to step S5-2, if it can not connect, repeat step S5-1. Then, in step S5-1, after a predetermined period has elapsed again, it is attempted connection to the management server.

In step S5-2, the search of the history information holding unit 24 is performed, the history information of the individual settlement that have not been uploaded yet management server is searched. Upload of the technique of search and history, are various.

<Use of upload flag>
For example, each record in the history information storage unit 24, it is preferable to set the upload flag. Upload flag is a flag indicating whether the uploaded (transmitted) to the management server. For example, uploaded to the management server (transmitting) history "0" that is not, for the history that has been uploaded (sent) to the management server in contrast to the 0 and becomes able to flag (1 "1" good).
The initial value of the upload flag is a "0", it indicates that you have not yet uploaded.
Then, in step S5-2, the electronic money controller 18 uploads flag to look for the "0" from the history information storage unit 24.

In step S5-3, the electronic money control unit 18, a history found upload flag is "0" in step S5-2, and sends the wide area communication unit 32. The history of the wide area communication unit upload flag that has been sent is "0", it is transmitted to the management server (upload).
Then, in the step S5-3, the electronic money control unit 18 changes the upload flag of the transmitted history "1", to represent that it is a history of uploaded.

Electrons This configuration and operation, in addition to the functions of the electronic wallet 10 described in Embodiment 1, when it becomes possible to communicate with the outside, a history of interindividual settlement can be automatically uploaded Wallet 30 is realized.
The management server may comprise substantially the same functions and roles as various management device of a conventional electronic money. Conventional management apparatus often those having a function of managing a record of transactions of the electronic money management server in this embodiment also may have a function of managing the recording of transactions as well.

The management server in the present embodiment, a history of interpersonal settlement, because they are uploaded from the electronic wallet 30, is also preferably cause a function to check the consistency between their respective histories. If the management server has found inconsistencies in the integrity of the uploaded history, as that some error has occurred, notify the two electronic wallet 30 that made the person-to-person payments, inconsistencies such as to encourage eliminated is considered.

In addition, the management server is also available to prove that the settlement has been made. If the individual has lost the electronic wallet 30 to carry, but it is generally difficult to prove later that it has carried out the settlement, if recorded on the management server, and easy to carry out a variety of proof from the post . In addition, the management server in case a later date such as checking the contents of the settlement is useful.

<Modification of Embodiment 2>
(Modification 1) Embodiment 2 described above, by using the upload flag, searches a history that is not uploaded (step S5-2), and uploads the history of non-uploaded to the management server (step S5-3 ).

However, since it is limited space for the historical information holding section 24, for the uploaded history, it is also preferable that would remove from the history information holding unit 24. When performing the deletion, it may be carried out by deleting every upload, when the storage amount of history to a predetermined percentage (e.g. 90%) relative to the capacity of the history information holding unit 24 is increased, uploaded the history may be performed to remove select. The processing of these deletion may be performed at step S5-3 described above. Here, it showed 90% of cases as a predetermined ratio, may be a percentage, even 80%, may be 99%. It may appropriately determined in consideration of the remaining storage area when the history were being stored.

(Modification 2) In addition, after uploading the history, regardless of the lot of the history information storage unit 24 stores a smaller amount, it may be accidentally removed immediately uploaded history from the history information storage unit 24. In this case, upload flag is not particularly necessary, as soon as connected to a management server, all history held in the history information storage section 24 to upload, may be deleted after upload. In the second modification, it may not be used, especially upload flag becomes landmark.

(Modification 3) In addition, (Modification 1) Even As described, the capacity of the history information holding unit 24 is limited of course. Therefore, there is a long period in the management server does not upload, a possibility that non-upload of history may exceed the capacity of the history information holding unit 24. In this way, non-upload of history, and it exceeds the storage capacity of the history information holding section 24, the amount that exceeded not forced to go to delete. Or, as described in the modification 4b of the first embodiment, it may be a state that can not trading the electronic wallet 30. In this case, then uploads the history management server, when the free space in the history information storage unit 24 has occurred, may be transferred to electronic wallet 30 in the state deal again. Also these controls electronic money controller 18 may execute.

Therefore, in the case where the capacity of the history stored in the history information storage unit 24 is increased with respect to the entire capacity of the history information holding unit 24 to a predetermined percentage (e.g. 90%), use of the upload to the management server it and prompting the user, it is also preferable to issue a warning. The ratio of the predetermined even may freely determined, but may be determined by taking into consideration the remaining amount of the storage area of ​​the history information storage unit 24.

For example, when reaching its predetermined ratio, the electronic money controller 18, the display unit 20, to cause the display or a warning for prompting the upload to the management server as an example. Further, flashes the predetermined LED lamps, sound (e.g. beep) is allowed to a certain time ringing, such as by causing a predetermined time running vibration function prompts the upload to the management server to the user (alert) can also be suitably it is. These means may be combined as appropriate. For example, together with to run the vibration function, "it is full of conserved quantity of history. As soon as possible to upload to please and to the management server" to the display unit 20 may be possible to perform the display of such.

Embodiment 3. In use the first embodiment of the IC card (IC for an IC card installed in), an example was described in which the payment is performed in the following operation.
Operation example the payment is executed • If the user has touched the OK button.
• Automatically operation example payment is made when the electronic wallet 10 come into contact with each other.
It has been described. To automatically adopt the operation example payments are made when this contact is believed to be using the IC card-type electronic money which have been conventionally known.

For example, the short-range wireless communication standard (NFC), Type-A, Type-B, various specifications such Type-F has been determined internationally, electronic money of the IC card on the basis of these standards what you have configured the it is being used. In such an IC card known in the prior art, thus, when it becomes possible to communicate by the NFC ready in contact, corresponds to billing (step S3-1 in Fig. 3) Command Upon receiving the, there has been known one which immediately executes the payment process.

Therefore, the use of this IC card conventionally known (IC for an IC card installed in), the automatic operation example payment is made when the contact described in the first embodiment more easily it is believed that it is possible to realize. Here, IC for the IC card corresponds to one preferred example of the communication IC of the claims. In the present embodiment, an example will be described using an IC for the IC card, a communication IC capable of performing communication by contact with another communication IC, a function to be described in this embodiment 3 if the IC for the IC card to have, good in any such communication for IC. In this third embodiment, it is assumed IC card IC capable of communicating with the IC for isomorphic IC card in principle.

Such IC for the IC card, it is conceivable to configure the electronic wallet 40 used as the amount information storage unit 14, etc. in FIG.

In this case, IC card for the IC to each other of the same type in the electronic wallet 40, to deposit, withdraw electronic money to perform mutual communication to face. In this case, the IC card, and the communication unit 12 in FIG. 1 of the first embodiment, the sum information holding section 14, the user information holding section 16, it is possible to play a role and function of such historical information holding unit 24, it is possible to produce the electronic wallet 40 more easily.

A block diagram of such an electronic wallet 40 is shown in FIG. As shown in this figure, the electronic wallet 40, the IC card IC 42, the electronic money control unit 46, a display unit 48, an input unit 50, a. Note that the IC card IC 42, is connected an antenna, not shown, can communicate with each other in a state in contact with the IC for other IC card.

Electronic wallet 40, similar to Embodiment 1, and tablet computers, it is preferable to configure in various portable computer. It is also preferable to implement a smart phone or a mobile communication terminal or the like. Incorporating an IC for the IC card to these electronic devices, it is possible to configure the electronic wallet 40. The electronic wallet 40, like the electronic wallet 10 and 30 thus far described, the electron is basically configured the assumption that the person-to-person payments by communicating by contact with the electronic wallet 40 of the same configuration a wallet.

IC for the IC card
The IC card IC42 is an IC chip for NFC built in NFC card known from the prior art, for example FELICA (R) IC used to construct a standard IC card (chip) preferred it can be used for. For this IC card IC42 can be realized the communication unit 12 of the electronic wallet 10, the sum information holding section 14, the user information holding section 16, the function of such historical information holding unit 24 on a single chip in FIG. Note that the IC card IC 42, an antenna (not shown) for communication is connected.

Such an IC card (for IC) 42 have traditionally been widely used as a prepaid card or the like of the transportation system, it is possible to pay a train fare, and the like. Further, in the terminal, such as a station, deposit a predetermined electronic money (that charge) may be. These processes for IC card IC42 is realized by transmitting and receiving commands to and from the external.
Thus, in the electronic wallet 40, it is provided with the IC card IC42 which substantially corresponds to the IC card, is possible to transfer electronic money to communicate with the electronic wallet 40 of the counterpart in contact can, following Te, in which the person-to-person payments can be easily performed.

Since conventional IC card are activated by supplying the power from the outside, but the IC card together can not send and receive commands directly opposite, the electronic wallet 40 according to the embodiment form 2, IC for the IC card since a power source 54 for supplying power to, and are opposed to electronic wallet each other is out to transmit and receive commands.

Therefore, according to this embodiment 2, and station terminal, without passing through the equipment terminal or the like of a bank, it is possible to perform person-to-person payment only in the electronic wallet 40 to each other.
Incidentally, IC card IC42 of the present embodiment 3 is configured on the assumption that perform basic communication with the IC for isomorphic IC card, therefore, the electronic wallet 40 in the electronic wallet 40 to each other of the same type, personal it is those that can run between the settlement.

Electronic money controller 46, a display unit 48, input unit 50
Electronic money controller 46, the electronic money control unit 18 of the embodiment 1 (FIG. 1), which is substantially the same means. Moreover, and a display unit 48, input unit 50, and the display unit 20 of the embodiment 1 (FIG. 1), is the same means as the input section 22. Particularly, in a touch input display with, it may be constructed by integrating the input unit 50 and the display unit 48.

Since has thus the input unit 52, according to the second embodiment, a user can enter the amount of electronic money to be moved. Further, since a display unit, the user information about the movement of the electronic money (information such as whether individuals between the settlement is normally completed) can know as appropriate. However, similarly to Embodiment 1, the display operation can also be omitted.

Power 54
The electronic wallet 40 includes a power source 54 for its operation. The power supply 54, a battery is preferred, may be other power supply. In the electronic wallet 40 of the present embodiment 2, it is possible to supply power from the power source 54 to the IC for the IC card, unlike the conventional IC card, without using a terminal such as a bank terminal and station also, IC for the IC card can be an operation, it is possible to run a person-to-person payment only in the electronic wallet 40.

(2) Operation electronic wallet 40 according to the second embodiment, which is constituted in a simple electronic wallet 10 described in Embodiment 1 with reference to IC42 for IC card. Moreover, and executes the operations payment is automatically performed by the "contact" without via a touch like the OK button in step S3-3 described in FIG. It is obtained by using a so-called "automatic payments by touch" by the IC42 for the existing IC card.

Therefore, its operation is substantially the same as the electronic wallet 10 of the embodiment 1. However, in step S3-2, OK button is not displayed, step S3-3 is not executed, and the processing in step S3-4 is executed immediately.
Accordingly, for convenience, with reference to FIG. 3 of the first embodiment, focusing on differences from the electronic wallet 10 of the embodiment 1, it slides into explaining the operation of the electronic wallet 40.

First, the operation of the step S3-1 are the same operation as the electronic wallet 10 of the embodiment 1.

Operation in step S3-2 is also substantially similar to the electronic wallet 40 of the embodiment 1. However, the display of the OK button is not performed. The user of the electronic wallet 40 of the payment side pays operation by simply touching (contact), depression of the OK button (or touch) is not performed in the second embodiment.

In the case of doubt the payment, by not to pay side of the user first place touch electronic wallet 40 (contact), it is also possible to interrupt the transaction. Such operation may also be to ensure the safety of the transaction.
In the present embodiment 2, the operation of the step S3-3 is not executed, processing in step S3-4 is executed.

In step S3-4, as in the first embodiment, the user of the electronic wallet 40 of the payment side, the electronic wallet 40 of the payment side, into contact with the electronic wallet 40 of the receiving side.

Operation in step S3-5 is substantially the same as the first embodiment. However, confirmation OK button is whether or not touched at the input 22 of the electronic wallet 10 of the receiving side is not. That is, the electronic money control unit 46 of electronic wallet 10 of the receiving side, after step S3-2, immediately proceeds to step S3-5, an instruction to transmit the billing to the IC card IC 42.
In the step S3-5, IC card IC42, as in the first embodiment, when the electronic wallet 40 of the payer is in contact, with these amounts, the payment including a name or the like according to the (command) party (payment to send to the electronic wallet 40 of the side).

In step S3-6, as in Embodiment 1, IC card IC42 of electronic wallet 40 of the electronic wallet 40 of the receiving side "in contact with that" payer (purchaser side), the billing (command) to receive.
Consequently, IC card IC42 of electronic wallet 10 of the payment side receives the above-mentioned billing (command), the IC card IC42 is in accordance with the command, the electronic money of the denomination the electronic wallet 40 of the receiving Send.

The electronic wallet 40 of the embodiment 2, the use of the IC for an existing IC card, IC card IC42 payment side of the electronic wallet 40 in contact with the electronic wallet 40 of the receiving side, sent on the basis of the payment request (command) was, to send an e-money.

For this IC card IC42 is, a communication section 12 of the electronic wallet 10 of the embodiment 1, the sum information holding section 14, the user information holding section 16, since it is often contain functions such as historical information holding section 24 , only the IC42 for the IC card, drawer of money, a record of history, are responsible for the management and transmission, etc. of the user information.
The operation of the step S3-6 is the same as Embodiment 1, different operation subject is IC42 for IC card in Embodiment 1.

Next, at step S3-7, IC card IC42 of electronic wallet 10 of the receiving side receives the electronic money (command) transmitted in step S3-6. The IC card IC42 is the received electronic money, and stores (adds) therein.
Further, in the step S3-7, the IC card IC42 is the content of the personal payment is recorded to a portion for holding the interior of the history information. IC42 for normal IC card is provided with the means for storing a history of transactions therein, in the present embodiment 2, the history information recording even IC card IC42 is running. The operation of this step S3-7 is the same as in Embodiment 1, different operation subject is IC42 for IC card in Embodiment 1.

Next, at step S3-8, the IC card IC42 conveys the fact that the electronic money receipt has successfully completed the electronic money controller 46. Then, the electronic money control unit 46 of electronic wallet 40 of the receiving side, instructs the display section 48 to display that it has received correctly the electronic money. Display unit 48 which has received this instruction, displays to the user that the electronic money receipt has been completed successfully. Operation in steps S3-8 also is similar to Embodiment 1, the principal that the electronic money is determined that the received normally, differs from a IC42 for IC card in Embodiment 1. Even display operation in step S3-8, as in the first embodiment may be omitted.

In the embodiment 1, in the step S3-8, the electronic money control unit 18 in the electronic wallet 10 of the receiving side is transmitting a message of receipt to the electronic wallet 10 of the payer. However, this acceptance message is in the second embodiment the step S3-6, since the completed communication in S3-7, not transmitted in this step S3-8.
IC24 for an existing IC card, it is usually carried out also communicate simultaneously with error checking whether received normally, since the present embodiment 3, even for such an IC card IC24 presupposes, step S3- 6, the communication in S3-7, have also completed for determining whether or not successful.
Therefore, the electronic wallet 40 of the payment side, after the step S3-6, immediately proceeds to step S3-9. In step S3-9, the effect IC for IC card payment is successfully completed, and sends the electronic money controller 46 of electronic wallet 40 of the payer.

Electronic money controller 46, the payment of electronic money receives a message indicating a successful completion, to an indication that payment successfully completed, instructs the display section 20. Display unit 20, which has received this instruction, to display the fact that the payment was successful. The user of the electronic wallet 10 of the payment side, look at this display, it is possible to know that the payment has been completed successfully. Even display operation in step S3-9, as in the first embodiment may be omitted.

In addition, the contents of the individual settlement, IC card for IC42 of electronic wallet 40 of the payment side, stored as history in its interior. IC42 for an existing IC card, because many cases provided with means for storing the history of the transaction, also in the present embodiment 2, the IC card IC42 is assumed to manage the history. Administration of such history, step S3-6, or may be executed in step S3-9.

<Effects of Embodiment 3>
Thus, IC for the IC card in the embodiment 3 (see FIG. 6) is a means responsible for the functions of the money amount information holding unit 14, the history information storage unit 24, the user information holding unit 16, in Embodiment 1 . Therefore, according to this embodiment 3, by using the function of a conventional IC for (existing) IC card is expected to more easily be able to manufacture electronic wallet 40.

Further, the present embodiment 3, (by touching) by contacting it is possible to automatically execute the payment of electronic money, can be a payment in the same manners as conventional IC card.

Further, unlike the conventional IC card is provided with a display unit 48, the user is able to grasp the fact like the payment was successful from the display unit 48. In addition, the user from the input unit 50, it is possible to enter the invoice amount or the like, without going through the bank terminal or the like, only the electronic wallet 40, it is possible to execute the individual settlement.

Embodiment 4. Summary and Modification (1) Summary above, according to the electronic wallet 10, 30 and 40 described in the first to third embodiments, the network connection environment, even in an environment not in a predetermined communication environment, can be executed personal settlement it is. Further, according to the electronic wallet 30 according to the second embodiment, if it becomes networked environment after transaction, it can transmit the transaction history to the management server.

In addition, these electronic wallet 10, 30, 40, as a "wallet" to save the electronic money, it is possible to quickly exchange the electronic money in the same way as real money. Therefore, raising the Mr. A pocket money to Mr. B, B's can impart Mr. C as soon as it, in order to Mr. D. In addition, E said, it is possible to go to your passing the electronic money immediately to Mr. children of D. D said it is possible to return your balance as soon as possible to Mr. E. In this way real money (yen, dollar, etc.) it is possible to carry out a quick deal in the same way as, it is possible to transactions that do not need a Otsuri.

In addition, as described in the first embodiment, in the person-to-person payment, the amount check or, if adopted, such as confirmation of payment (depression of the OK button), it is possible more secure transactions. In addition, by adopting an action to take automatic payments due to the contact, it is possible to make a payment in the same manners as the conventional IC card, person-to-person payment is made possible by electronic money in a familiar operation.

(2) In the limit the above-described embodiments of the transaction has been described that can be registered attributes of the user. Similarly, it is also possible to register by providing an attribute to the electronic money. For example, by setting the attribute, it is possible to limit and of the electronic money applications, of the payee to be limiting.
For example, in providing a pocket money to children, it is also possible that the payment of the other party to exclude a store that is not available is a minor.
Furthermore, if benefit welfare in electronic money, from its use partner, for example by excluding game arcade, it is possible to prevent that being wasted in the game arcade or the like welfare expenses. By such a mechanism, it is possible to effective use of welfare costs, it is possible to perform an autonomous support of life guardian effectively.

(3) Replacing the above-described embodiments of the non-real money, and method of payment from real money to the electronic wallet 10 or the like, but the electronic money such as electronic wallet 10 has been variously described method of cashing in real money, real it is also preferable to configure so as to be able to exchange with other than money. For example, it is also preferable to interchangeably configuration and shopping point, it may be configured to replace the virtual currency. Conversely, virtual currency, etc., it is preferable to deposit as an electronic money in the electronic wallet 10 or the like. In this case, from the cash once real money and virtual currency (yen and US dollars), and if you put the electronic money in the electronic wallet 10 and the like, but a method to put a virtual currency itself to electronic wallet 10 or the like can be considered, it may be any of the technique. If you have a virtual currency itself, it is possible to realize an electronic wallet 10 and the like of the virtual currency, it is possible to use as easily personally settle the virtual currency as real money.

The Embodiments 1 through 4 (4) above description is an example for implementing the present invention, should be appropriately modified or changed depending on various conditions and the structure of the apparatus to which the present invention is applied, the present invention It is not intended to be limited to the aspects of this embodiment 1-4.

10, 30, 40 electronic wallet 12 communication unit 14 the amount information retaining unit 16 the user information holding section 18, 46 for the electronic money controller 20, 48 display unit 22, 50 Input unit 26, 52 the bus 32 wide area communication unit 42 IC card IC
54 power

Claims (24)

  1. A communication unit that communicates with other electronic wallet, a communication unit capable of performing communication in a state in contact with the other electronic wallet,
    And the amount of money information storage unit that holds the information of the amount of electronic money,
    And the electronic money control unit for controlling the operation of the electronic wallet,
    An input unit for inputting an instruction of the operator,
    Equipped with a,
    Wherein the input unit inputs the transmission instruction billing from the operator, transmits a transmission instruction of the billing to the electronic money controller,
    The electronic money controller receives the transmission instruction of the billing, and controls the communication unit to the communication unit, to send a payment request based on the transmission instruction to the other electronic wallet,
    The communication unit is configured is controlled by the electronic money control unit, the other electronic wallet when in contact with the electronic wallet, and transmits the payment request instruction to the other electronic wallet,
    The billing instructions, at least, an electronic wallet which comprises the amount of electronic money in accordance with the transmission instruction of the billing.
  2. The electronic wallet of claim 1, wherein,
    Display unit controlled by the electronic money controller,
    Equipped with a,
    The electronic money controller receives the transmission instruction of the billing, at least, the amount of the electronic money contained in the transmission instruction of the billing, is displayed on the display unit,
    The electronic money controller, when the input unit inputs the payment approval from the operator of the other electronic wallet, and controls the communication unit to the communication unit, the billing to the other electronic wallet electronic wallet, characterized in that to transmit for.
  3. The electronic wallet of claim 1 or 2, wherein,
    The user information holding unit that holds the information of the user of the electronic wallet,
    Equipped with a,
    Wherein the billing, further electronic wallet, characterized in that it contains information about the user.
  4. The electronic wallet of claim 1 or 2, wherein,
    The user information holding unit holds the attribute information of the user,
    Electronic wallet wherein the billing, further characterized to include the attribute information of the user.
  5. A communication unit that communicates with other electronic wallet, a communication unit capable of performing communication in a state in contact with the other electronic wallet,
    And the amount of money information storage unit that holds the information of the amount of electronic money,
    And the electronic money control unit for controlling the operation of the electronic wallet,
    Equipped with a,
    The communication unit receives a payment request from the other electronic wallet in contact, the billing, and transmitted to the electronic money controller,
    The electronic money controller receives the payment request, the electronic money equivalent to the amount of electronic money contained in the billing, with is transmitted to the communication means, from said amount information retaining unit, the billing the amount of electronic money that is included is subtracted,
    Electronic wallet said communication unit, the electronic money equivalent to the amount of electronic money based on the billing, and transmits to said other electronic wallet.
  6. The electronic wallet of claim 5,
    The user information storage unit user of the electronic wallet holds prohibition information indicating the party that is not allowed transactions,
    Equipped with a,
    The electronic money controller receives the payment request, the checks attribute information of a user of another electronic wallet contained in billing, the user information holding section the attribute information is not permitted information held If the bets do not match, the electronic money equivalent to the amount of electronic money contained in the billing, with is transmitted to the communication means, from said amount information retaining unit, the amount of electronic money contained in the billing subtraction,
    Electronic wallet said communication unit, the electronic money equivalent to the amount of electronic money based on the billing, and transmits to said other electronic wallet.
  7. The electronic wallet of claim 5,
    The user information storage unit user of the electronic wallet holds permission information indicating the party that are allowed transactions,
    Equipped with a,
    The electronic money controller receives the payment request, examines the attribute information of the user of another electronic wallet contained in the billing, and authorization information which the user information holding unit holds said attribute information subtraction when but matching, the electronic money equivalent to the amount of electronic money contained in the billing, with is transmitted to the communication means, from said amount information retaining unit, the amount of electronic money contained in the billing and,
    Electronic wallet said communication unit, the electronic money equivalent to the amount of electronic money based on the billing, and transmits to said other electronic wallet.
  8. The electronic wallet as claimed in claim 1 in any one of 4,
    The communication unit receives the electronic money from another electronic wallet, the electronic money, and sends the electronic money controller,
    The electronic money controller receives the electronic money, electronic wallet, characterized in that the amount of the electronic money is added to the amount information retaining unit.
  9. An electronic wallet according to claim 8,
    The electronic money controller, and amount of the electronic money received, when compared with the amount of the transmitted said billing, there is a match, the amount of the electronic money, as well as added to the money amount information retaining unit sends a message to the effect that received the electronic money to the communication unit,
    The communication unit electronic wallet, characterized in that the message that the receipt of the electronic money is transmitted to the other electronic wallet.
  10. An electronic wallet according to claim 9,
    History information holding unit that holds the history of the receipt of electronic money,
    Equipped with a,
    The electronic money controller compares the amount of the electronic money received, and the amount of the transmitted said billing, if they match, a history of the electronic money receipt, the amount of the electronic money electronic wallet history including information, characterized by recording in the history information storage unit.
  11. An electronic wallet according to claim 9,
    Display unit controlled by the electronic money controller,
    Equipped with a,
    The electronic money controller compares the amount of the electronic money received, and the amount of the transmitted said billing, if they match, an indication of receipt of successful the electronic money, the display unit instructs,
    Wherein the display unit, the electronic wallet and performs display based on said instruction, that it has received correctly the electronic money.
  12. The electronic wallet as claimed in any one of claims 5 7,
    History information holding unit that holds the payment of the history of electronic money,
    Equipped with a,
    The electronic money controller is a payment history of electronic money, electronic wallet, characterized in that the history including information of the amount of the electronic money is recorded in the history information retaining section.
  13. The electronic wallet of claim 12,
    If the communication unit has received a message indicating that received electronic money,
    The electronic money controller is a payment history of electronic money, electronic wallet, characterized in that the history including information of the amount of the electronic money is recorded in the history information retaining section.
  14. The electronic wallet as claimed in any one of claims 5 7,
    Display unit controlled by the electronic money controller,
    Equipped with a,
    If the communication unit has received a message indicating that received electronic money,
    The electronic money controller, an indication that paid the electronic money normally instructs the display unit,
    Wherein the display unit, the electronic wallet and performs display based on said indication, indicating that transmitted the electronic money successfully.
  15. An electronic wallet according to claim 10,
    Wide area communication unit to be connected to an external wide area network,
    Equipped with a,
    The electronic money controller, a receipt history of the electronic money, the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, recorded in the history information holding unit,
    The electronic money controller for each predetermined period, allowed attempts to connect to the management server to the wide area communication unit,
    When the wide area communication unit is able to connect to the management server, the electronic money control unit, a history indicating that the upload flag in the history information storage section is not uploaded and sent to the wide area communication unit,
    The wide area communication unit, the history that has been sent, uploading to the predetermined management server,
    Wherein the electronic money control unit, the electronic wallet and changes the upload flag of the uploaded history, the content indicating that uploading the history.
  16. The electronic wallet of claim 12,
    Wide area communication unit to be connected to an external wide area network,
    Equipped with a,
    The electronic money controller, a history of payment of the electronic money, the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, recorded in the history information holding unit,
    The electronic money controller for each predetermined period, allowed attempts to connect to the management server to the wide area communication unit,
    When the wide area communication unit is able to connect to the management server, the electronic money control unit, a history indicating that the upload flag in the history information storage section is not uploaded and sent to the wide area communication unit,
    The wide area communication unit, the history that has been sent, uploading to the predetermined management server,
    Wherein the electronic money control unit, the electronic wallet and changes the upload flag of the uploaded history, the content indicating that uploading the history.
  17. An electronic wallet according to claim 10,
    Wide area communication unit to be connected to an external wide area network,
    Equipped with a,
    The electronic money controller, a receipt history of the electronic money, the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, recorded in the history information holding unit,
    The electronic money controller for each predetermined period, allowed attempts to connect to the management server to the wide area communication unit,
    When the wide area communication unit is able to connect to the management server, the electronic money control unit, a history indicating that the upload flag in the history information storage section is not uploaded and sent to the wide area communication unit,
    The wide area communication unit, the history that has been sent, uploading to the predetermined management server,
    Wherein the electronic money control unit, the electronic wallet characterized here and to delete the history of the upload, from the history information storage unit.
  18. The electronic wallet of claim 12,
    Wide area communication unit to be connected to an external wide area network,
    Equipped with a,
    The electronic money controller, a history of payment of the electronic money, the history a upload flag indicating whether or not the uploaded to a predetermined management server, together with the upload flag indicating that it is not uploaded, recorded in the history information holding unit,
    The electronic money controller for each predetermined period, allowed attempts to connect to the management server to the wide area communication unit,
    When the wide area communication unit is able to connect to the management server, the electronic money control unit, a history indicating that the upload flag in the history information storage section is not uploaded and sent to the wide area communication unit,
    The wide area communication unit, the history that has been sent, uploading to the predetermined management server,
    Wherein the electronic money control unit, electronic wallet, characterized in that the history of the upload, delete from the history information holding unit.
  19. The electronic wallet of claim 17 or 18, wherein,
    If the electronic money control unit, the capacity of the history and the upload flags are recorded in the history information storage unit exceeds a predetermined percentage of the total storage capacity of the history information holding unit, the predetermined electronic wallet, characterized in that it issues a warning to prompt the upload to the management server.
  20. The electronic wallet of claim 17 or 18, wherein,
    The electronic money controller, the capacity of the history and the upload flags are recorded in the history information storage unit, if it exceeds a predetermined percentage of the total storage capacity of the history information holding unit, wherein the display in part, electronic wallet, characterized in that to perform display to prompt the upload to the predetermined management server.
  21. A communication IC to communicate with other communication IC, a communication IC which can perform communication in a state in contact with said other communication IC,
    And the electronic money control unit for controlling the operation of the electronic wallet,
    An input unit for inputting an instruction of the operator,
    Equipped with a,
    The communication IC may hold information amount of electronic money therein,
    Wherein the input unit inputs the payment request instruction from said operator, to send the payment request instruction to the electronic money controller,
    The electronic money controller receives the payment request instruction, and controls the communication IC, the communication IC, is sent for the payment request instruction to the communication IC other electronic wallet,
    The communication IC is controlled by the electronic money control unit, and transmits the payment request instruction to the communication IC of the other electronic wallet,
    The billing instructions, at least, an electronic wallet which comprises a amount of electronic money according to the billing instructions.
  22. A communication IC to communicate with other communication IC, a communication IC which can perform communication in a state in contact with said other communication IC,
    And the electronic money control unit for controlling the operation of the electronic wallet,
    A display unit controlled by the electronic money controller,
    Equipped with a,
    The communication IC receives the payment request instruction from the communication IC other electronic wallet, the electronic money equivalent to the amount of electronic money contained in the billing instructions, communication of said other electronic wallet sends against IC, the amount of electronic money this communication IC holds, while subtracting the amount of electronic money contained in the billing instructions, said that paid the electronic money electronic and sends it to the money the control unit,
    The electronic money controller instructs the display unit to display that paid the electronic money,
    Based on the instruction, and a display unit that displays that have paid the electronic money,
    Electronic wallet, characterized in that it comprises a.
  23. The computer, a computer program for operating as electronic wallet of claim 1, wherein,
    To the computer,
    A step of inputting a transmission instruction billing from the operator,
    The payment request instruction based on the transmission instruction, when the other electronic wallet is in contact with the electronic wallet, and transmitting to said another electronic wallet,
    Was executed, the billing instructions comprise at least a computer program characterized in that it comprises an amount of electronic money according to the transmission instruction of the billing.
  24. The computer with the amount information holder for holding information of the amount of electronic money, a computer program for operating as an electronic wallet according to claim 5,
    To the computer,
    A step of receiving the payment request from the other electronic wallet,
    A step of the amount of electronic money is subtracted from the amount information storage unit included in the billing,
    And transmitting the electronic money corresponding to the amount of electronic money contained in the billing, to the other electronic wallet in contact with the electronic wallet,
    A computer program for causing the execution.
PCT/JP2017/009176 2017-03-08 2017-03-08 Electronic wallet and computer program WO2018163312A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
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JPH10154193A (en) * 1996-09-30 1998-06-09 N T T Data Tsushin Kk Electronic money system and recording medium
WO2001077931A1 (en) * 2000-04-11 2001-10-18 Joseph Mckenna Electronic wallet
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JP2016157391A (en) * 2015-02-26 2016-09-01 株式会社寺岡精工 Pos register

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09293108A (en) * 1996-04-26 1997-11-11 Hitachi Software Eng Co Ltd Electronic currency transaction system and electronic currency transaction machine
JPH10154193A (en) * 1996-09-30 1998-06-09 N T T Data Tsushin Kk Electronic money system and recording medium
WO2001077931A1 (en) * 2000-04-11 2001-10-18 Joseph Mckenna Electronic wallet
JP2004102726A (en) * 2002-09-10 2004-04-02 Aruze Corp Information processing system between cellular phones, and program for operating information processing system
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JP2006279139A (en) * 2005-03-28 2006-10-12 Felica Networks Inc Mobile apparatus, information processing method, and program
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WO2010039337A2 (en) * 2008-09-30 2010-04-08 Apple Inc. Peer-to-peer financial transaction devices and methods
JP2011081498A (en) * 2009-10-05 2011-04-21 Ntt Docomo Inc Portable terminal, server, and electronic settlement method for electronic settlement
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