WO2020202311A1 - Système de gestion de monnaie électronique, procédé de gestion, et support d'enregistrement d'informations - Google Patents

Système de gestion de monnaie électronique, procédé de gestion, et support d'enregistrement d'informations Download PDF

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Publication number
WO2020202311A1
WO2020202311A1 PCT/JP2019/014165 JP2019014165W WO2020202311A1 WO 2020202311 A1 WO2020202311 A1 WO 2020202311A1 JP 2019014165 W JP2019014165 W JP 2019014165W WO 2020202311 A1 WO2020202311 A1 WO 2020202311A1
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WIPO (PCT)
Prior art keywords
medium
terminal
field communication
value
identification information
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PCT/JP2019/014165
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English (en)
Japanese (ja)
Inventor
效静 孫
佳子 中村
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楽天株式会社
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Application filed by 楽天株式会社 filed Critical 楽天株式会社
Priority to JP2020501402A priority Critical patent/JP6692592B1/ja
Priority to PCT/JP2019/014165 priority patent/WO2020202311A1/fr
Publication of WO2020202311A1 publication Critical patent/WO2020202311A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention uses a terminal in which the number of near-field communications that can be established simultaneously with a medium in which the value of electronic money is stored is limited to one, and electronic money that transfers value from one medium to another. Management system, management method, and information recording medium.
  • POS Point Of Sales
  • a point-of-sale multimedia terminal etc. establishes near-field communication with a medium close to a reader / writer, and via near-field communication. Information stored in media is often read and written.
  • the medium for storing value is sometimes called a wallet.
  • Patent Document 1 proposes an exchange for transferring value from one medium to another in an electronic money system.
  • Patent Document 2 there may be an upper limit on the value that can be stored in the medium.
  • Non-Patent Document 1 discloses a gift process for depositing the value of electronic money called "Edy" into a medium consisting of an "Edy card / mobile phone" using a terminal called a "Fami port". That is, in Non-Patent Document 1, (1) Touch “Electronic money” Edy "" on the Famiport TOP screen. (2) Touch “Edy Gift”. (3) Place your Edy card / mobile phone in the reading area of the Fami port. (4) Select the Edy you want to receive and touch "OK”. (5) Check the received Edy and touch "OK”. (6) The received Edy is being written. Do not move your Edy card / mobile phone. (7) The receipt of Edy has been completed. Please check the screen and touch "OK". It is described as.
  • the gift information (gift content, amount of value, expiration date) associated with the medium is displayed in a list on the screen of the terminal.
  • the terminal deposits the value specified in the selected gift information in the medium via the near-field communication.
  • Patent Document 1 The exchange disclosed in Patent Document 1 is provided with two readers / writers so that reading and writing of two media can be performed in parallel.
  • Non-Patent Document 1 there is often only one reader / writer possessed by POS terminals, store multimedia terminals, etc. that are actually operated in many stores.
  • the period during which the medium can actually be used should depend on the validity period of the credit card, etc. Therefore, there is a great demand to make it possible to easily transfer the value to a new medium when the validity period of the credit card attached to a certain medium has expired.
  • the present invention solves the above-mentioned problems, and uses a medium in which the number of near-field communications that can be established simultaneously with a medium in which the value of electronic money is stored is limited to one.
  • the purpose is to provide an electronic money management system, a management method, and an information recording medium for transferring value from one medium to another.
  • the management system includes a terminal and a server.
  • the terminal when the terminal establishes the first near-field communication with the first medium, The terminal reads the first identification information from the first medium via the established first near-field communication.
  • the server determines whether or not the first medium satisfies the deposit condition based on the read first identification information. After the first medium satisfies the deposit condition and the first near-field communication is disconnected, when the terminal establishes the second near-field communication with the second medium, The terminal reads the second identification information from the second medium via the established second near-field communication. According to the read first identification information and the second identification information, the server satisfies the withdrawal condition of the second medium, and the first medium and the second medium are the first from the second medium.
  • the terminal Determine if the conditions for transition to the medium are met. If the second medium satisfies the withdrawal condition, and the first medium and the second medium satisfy the transition condition from the second medium to the first medium.
  • the terminal extracts the second value stored in the second medium from the second medium via the second near-field communication. After the second value is extracted from the second medium and the second near-field communication is disconnected, when the terminal establishes the third near-field communication with the first medium, The terminal deposits the extracted second value in the first medium via the established third near-field communication.
  • the value is transferred from one medium to another by using a terminal in which the number of near-field communications that can be established simultaneously with the medium in which the value of electronic money is stored is limited to one. It is possible to provide an electronic money management system, a management method, and an information recording medium.
  • this management system a flowchart showing an outline of the control flow in which the value is transferred from the old medium to the new medium by holding the media in the order of the old migration source medium and the new migration destination medium to the reader / writer of the terminal.
  • the electronic value in an electronic money system has a monetary value similar to cash.
  • Value may be managed in the same currency unit so that it can be exchanged with or from cash, or from one to the other, or it may be converted in exchange using its own unit. It is also possible to use various points given according to user actions (purchase of products, answers to questionnaires, visits to stores, etc.) as values related to electronic gifts.
  • this embodiment is applied to a stored value type electronic money system.
  • the value that the user can pay as consideration in a transaction is managed in association with a medium such as a resin card incorporating an electronic circuit.
  • the value is stored in the medium by storing the numerical value of the available value in the electronic circuit of the medium.
  • the provider of the product or service accepts payment from the user by using a terminal having a reader / writer capable of near-field communication with the medium.
  • a terminal having a reader / writer capable of near-field communication with the medium.
  • close-field communication between the medium and the reader / writer becomes possible, and when various commands are sent from the reader / writer to the medium, the execution result of the command is the reader / writer from the medium. Will be sent to.
  • the decrease command reduces the value stored in the medium by the value specified in the command. This corresponds to withdrawing cash from your wallet or withdrawing cash from your account. That is, the decrease command is used when paying a consideration, that is, when "billing" in a transaction for receiving the provision of goods or services.
  • the increase command increases the value stored in the medium by the value specified in the command. This corresponds to putting cash in your wallet or depositing cash in your account.
  • the increase command is used, for example, at a store to charge a medium with a value equivalent to cash given to a clerk by a user.
  • the fact that the value is increased or decreased by the decrease command or the increase command means that the value has been transferred between the payer and the provider.
  • the provider transmits the information on the transfer of this value to the electronic money server.
  • the electronic money server is operated by the operator of the entire electronic money service. By adding up the payment information stored in the electronic money server, the total amount of value that the provider gained or lost within that period can be obtained.
  • the provider can obtain it by exchanging it for cash etc. from the operator if it has acquired value. On the other hand, if the value is lost, the provider is obliged to pay the operator cash or the like for the value.
  • an intermediate company may intervene between the provider and the operator of the entire electronic money service.
  • This company called an electronic money service provider, provides advice and support on the infrastructure preparation and value handling required for providers to receive payment by value.
  • a terminal such as a POS terminal or a store multimedia terminal cooperates with a server to operate one reader / writer possessed by the terminal, thereby transferring value between media.
  • the terminal and server of this embodiment are generally realized by executing a program on a computer, but it is also possible to execute processing by a dedicated electronic circuit.
  • technologies such as FPGA (Field Programmable Gate Array) that compiles a program into an electronic circuit design script and dynamically configures the electronic circuit based on the design script are used. By applying it, it is also possible to configure the terminal and the server of this embodiment.
  • the terminal according to this embodiment is realized by downloading a terminal program distributed on a distribution server by an electronic money system operator or operator to a terminal computer that realizes a POS terminal or a store multimedia terminal.
  • the server according to this embodiment is realized by executing a server program by a server computer that manages information on a medium that functions as a wallet in an electronic money system.
  • programs executed on terminal computers and server computers are compact disks, flexible disks, hard disks, magneto-optical disks, digital video disks, magnetic tapes, ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable ROM), and flash memory. It can be recorded on a computer-readable non-transitory information recording medium such as a semiconductor memory. This information recording medium can also be distributed and sold independently of the terminal computer and the server computer.
  • a program recorded in a non-transitory information recording medium such as a flash memory or a hard disk is read into RAM (Random Access Memory), which is a temporary storage device, and then read.
  • RAM Random Access Memory
  • the CPU Central Processing Unit
  • the CPU directly reads and executes the instructions contained in the program stored in the ROM.
  • terminal program and the server program are independent of the computer on which the program is executed, and are transmitted from the distribution server or the like managed by the operator via a temporary transmission medium such as a computer communication network. It can be distributed and sold to server computers, etc.
  • FIG. 1 is an explanatory diagram showing an outline of a management system according to an embodiment of the present invention.
  • the management system 101 according to this embodiment includes a plurality of terminals 121 and a server 141, and each terminal 121 and the server 141 can communicate with each other via the computer communication network 161.
  • the terminal 121 is realized by the terminal computer executing the terminal program
  • the server 141 is realized by the server computer executing the server program.
  • Each terminal 121 is equipped with one reader / writer.
  • the near-field communication 182 with the medium 181 in which the value of electronic money is stored is established by the reader / writer, various commands are sent to the medium 181 via the established near-field communication 182 to obtain the execution result. Can be done.
  • the maximum number of media 181 that can be read and written by one terminal 121 at the same time is one. That is, the terminal 121 cannot read / write the plurality of media 181 in parallel.
  • the terminal 121 cannot read / write the plurality of media 181 in parallel.
  • only one medium 181 has established near-field communication 182 for one terminal 121, and the other medium 181 has not been established (marked with a white cross). (Illustrated that there is no).
  • Server 141 accesses a database for managing electronic money.
  • the identification information of the medium 181 issued in the past and various additional information related to the medium 181 are registered in association with each other.
  • Non-Patent Document 1 it is also possible to register gift information representing a value that can be deposited in the medium 181 as a gift in association with the identification information of the medium 181 in the database. .. Since the deposit of value to medium 181 has not been completed, the gift information that can still be deposited is valid. Once the deposit is complete, the gift information will be invalid.
  • FIG. 2 is a flowchart showing the procedure in which the user holds two media to the terminal three times and transfers the value in this management system.
  • description will be made with reference to this figure.
  • step S191 when the user holds the new medium (first medium) of the migration destination over the terminal 121, the first near-field communication is established and the first identification information is read (step S191).
  • the second near-field communication is established and the second identification information is read (step S192).
  • the value is extracted from the old medium (second medium) via the second near-field communication (step S193), and the server 141 associates the gift information related to the value with the new medium (first medium). Record in the database (step S194).
  • the third near-field communication is established (step S195). .. Then, the server 141 acquires the gift information recorded in the database in association with the medium (step S196), and the terminal 121 that establishes the third near-field communication determines the value related to the acquired gift information. Deposit to a new medium (step S197) via the third near-field communication, and the value transfer is completed.
  • Fig. 3 and Fig. 4 show the value from the old medium to the new medium by holding the media in the order of the new migration destination medium, the old migration source medium, and the new migration destination medium to the reader / writer of the terminal in this management system. It is a flowchart which shows the outline of the control flow which is transferred. Hereinafter, description will be made with reference to these figures. In this figure and the following explanatory diagrams, for conditional branches that deviate from the main control flow, processing corresponding to the branch is executed, and illustration and description are omitted as appropriate.
  • the terminal 121 attempts to establish the first near-field communication with the first medium (step S201).
  • the terminal 121 sends an inquiry command to the first medium via the first near-field communication, and is assigned to the first medium.
  • Read the identification information step S203. In addition to the first identification information, the terminal 121 may read the first value stored in the first medium.
  • the terminal 121 transmits the first identification information read from the first medium to the server 141 via the computer communication network 161 (step S204).
  • the terminal 121 reads the first value from the first medium, it may also be transmitted to the server 141.
  • the server 141 receives the first identification information transmitted from the terminal 121 (step S205).
  • the server 141 may also receive the first value.
  • the server 141 determines whether or not the first medium to which the first identification information is assigned satisfies the deposit condition based on the received first identification information (step S206).
  • the simplest deposit condition for a certain medium is that the identification information read from the medium is an identification number effectively issued by the operator of the electronic money system or the like.
  • the user information (address, name, telephone number, email address, etc.) of the medium is registered in the server 141, and the history of unauthorized use of the medium in the past is not registered in the server 141.
  • the number of deposits to the medium is not at all, the number of deposits is several times, etc., the number of deposits is less than the predetermined threshold, the value stored in the medium is less than the predetermined threshold, or these
  • the combination of can also be adopted as a deposit condition.
  • the deposit conditions can be determined independently by one identification information read from one medium.
  • the server 141 transmits the determination result to the terminal 121 (step S208).
  • the terminal 121 When the terminal 121 receives the determination result that the first medium satisfies the deposit condition (step S209), the terminal 121 waits until the first near-field communication is disconnected (step S210), and when the first near-field communication is disconnected. , Attempts to establish a second near-field communication with the second medium (step S211).
  • the terminal 121 When the second near-field communication is established within a predetermined time (step S212; Yes), the terminal 121 sends an inquiry command to the second medium via the second near-field communication, and is assigned to the second medium. 2 Read the identification information (step S213). In addition to the second identification information, the terminal 121 may read the second value stored in the second medium.
  • the terminal 121 transmits the second identification information read from the second medium to the server 141 via the computer communication network 161 (step S214).
  • the terminal 121 reads the second value from the second medium, it may also be transmitted to the server 141.
  • the server 141 receives the second identification information transmitted from the terminal 121 (step S215).
  • the server 141 may also receive the second value.
  • the server 141 determines whether or not the second medium to which the second identification information is assigned satisfies the withdrawal condition based on the received second identification information (step S216).
  • the simplest withdrawal condition for a certain medium is that the identification information read from the medium is an identification number effectively issued by the operator of the electronic money system or the like.
  • the user information of the medium is registered in the server 141, the history of unauthorized use of the medium in the past is not registered in the server 141, and the value stored in the medium is more than 0. It is also possible to adopt such things as withdrawal conditions.
  • the elapsed period from the issuance of the medium is equal to or longer than the predetermined threshold period, the expiration date of services such as credit cards attached to the medium is imminent, or it has already passed.
  • a new medium has been issued as a withdrawal condition. Since these withdrawal conditions are satisfied for the old medium of the migration source, when adopting these withdrawal conditions, the conditions that are satisfied for the new medium of the migration destination are adopted as the deposit conditions. It is desirable that both withdrawal and deposit conditions be exclusive for one medium.
  • each of the above conditions may be combined as appropriate. Further, it is desirable that the withdrawal condition can be determined independently by one identification information read from one medium.
  • step S217 When it is determined that the second medium satisfies the withdrawal condition (step S217; Yes), the server 141 is based on the first identification information received in step S205 and the second identification information received in step S215. Then, it is determined whether or not the transition condition from the second medium to the first medium is satisfied (step S218).
  • step S218 the transition condition from the second medium to the first medium is determined, but in the process described later, the transition condition from the first medium to the second medium is determined. Therefore, in general, the following can be adopted as the transition conditions from the medium X to the medium Y.
  • the user information registered for medium X and the user information registered for medium Y are either completely the same or match within a predetermined tolerance (for example, the address is different but the name is different).
  • a predetermined tolerance for example, the address is different but the name is different.
  • -The phone number and e-mail address match, the address and name are different, but the name, phone number, and e-mail address match, etc.
  • the issue date and time of the medium X is before the issue date and time of the medium Y, or that it is older than the predetermined threshold grace period as a transition condition from the medium X to the medium Y. This is suitable when the value transfer is permitted in the electronic money system only when the medium is exchanged due to the expiration date of the incidental service.
  • a predetermined grace period has passed from the date and time when the value was last transferred to medium Y. This may be adopted as a transition condition. For example, it is suitable when it is desired to prevent the value from being transferred from a large number of illegally found media to one medium of the illegally founder.
  • the transition condition from the medium X to the medium Y is limited to those that can be determined by collecting the identification information of both the medium X and Y, and the deposit of the medium Y that can be determined only by the identification information of the medium Y.
  • the condition and the withdrawal condition of the medium X, which can be determined only by the identification information of the medium X, are separated.
  • step S219 when the migration condition from the second medium to the first medium is satisfied (step S219; Yes), the server 141 satisfies the withdrawal condition from the second medium and the migration condition from the second medium to the first medium.
  • the determination result of the above is transmitted to the terminal 121 (step S220).
  • the terminal 121 When the terminal 121 receives the determination result that the second medium satisfies the withdrawal condition and the transition condition from the second medium to the first medium is satisfied (step S221), the terminal 121 issues a decrease command via the second near-field communication. By sending, all the second values stored in the second medium are extracted (step S222).
  • the terminal 121 transmits a withdrawal report to the effect that the second value is withdrawn from the second medium and the amount of the value stored in the second medium is 0 (step S223).
  • the server 141 Upon receiving the withdrawal report (step S224), the server 141 generates gift information that specifies the amount of the withdrawn second value (step S225), and associates the generated gift information with the first identification information. Record in the database (step S226).
  • the terminal 121 waits until the second near-field communication is disconnected (step S227), and when the second near-field communication is disconnected, the new near-field communication with a new medium is established. Attempts to establish (step S228).
  • new near-field communication with a new medium is the third near-field communication with the first medium.
  • step S229 when a new near-field communication is established within a predetermined time (step S229; Yes), the terminal 121 sends an inquiry command to the new medium via the new near-field communication and is assigned to the new medium.
  • Read the new identification information step S230.
  • the "new medium” is the first medium
  • the "new identification information” is equal to the first identification information.
  • the terminal 121 transmits the read new identification information to the server 141 (step S231).
  • the server 141 receives the new identification information transmitted from the terminal 121 (step S232), and searches the database for valid gift information recorded in association with the new identification information received (step S233). ..
  • the "new medium" is the first medium, the gift information recorded in the database in step S226 should be found.
  • the server 141 sends the found gift information to the terminal 121 (step S234).
  • the terminal 121 When the terminal 121 receives the gift information from the server (step S235), the terminal 121 deposits the value specified in the gift information in the new medium by sending an increase command to the new medium via the new near-field communication (step S235). S236).
  • the terminal 121 transmits a completion report related to the gift information related to the deposited value to the server 141 (step S237).
  • the server 141 When the server 141 receives the completion report (step S238), the server 141 invalidates the gift information specified in the completion report in the database (step S239).
  • the server 141 transmits the found gift information to the terminal 121, and the terminal 121 transmits the transmitted gift, as disclosed in Non-Patent Document 1.
  • a list of information may be displayed on the screen and the user may make an appropriate selection, and the value related to the selected gift information may be deposited in a new medium, or all gift information may be deposited in a new medium at once. May be.
  • the user can use the new migration destination medium (first medium), the old migration source medium (second medium), and the new migration destination medium (first medium) in this order as the reader / writer of the terminal.
  • the value stored in the old medium can be transferred to the new medium by the operation of holding it in.
  • step S229 Even if the user leaves the terminal 121 without establishing "new near-field communication" (step S229; No), the gift information that specifies the value drawn from the second medium is stored in the database. It remains recorded in.
  • the gift information searched by the server 141 should be deposited in the other medium.
  • Gift information that specifies the value Therefore, even if the other medium is mistakenly held, the gift information related to the value to be deposited in the first medium remains recorded in the database.
  • the gift processing corresponding to steps S228-S239 can be executed. Therefore, the value drawn from the second medium can be deposited in the first medium even at a later date, and the value transfer can be completed.
  • This aspect is for allowing the user to easily recognize the medium to be held.
  • the server manages the appearance information related to the medium, the server acquires the first appearance information of the first medium based on the first identification information, and the server acquires the first appearance information of the first medium based on the second identification information. There is a mode of acquiring the second appearance information.
  • the appearance information may be directly associated with the identification information of the medium and registered in the database, or may be linked to a part of the identification information of the medium (for example, a part of the identification number or the issue date). It may be managed by.
  • the appearance information acquired based on the identification information is, for example, Resin card surface design (background color, pattern, etc.) that composes the medium, If the identification information of the medium is printed on the medium, the information arranged at a specific digit position (for example, the last 4 digits or the first 4 digits), If the publication time of the medium is printed on the medium, the publication time, If the expiration date of the service incidental to the medium is printed on the medium, the expiration date, And so on.
  • Resin card surface design background color, pattern, etc.
  • appearance information is acquired based on a picture of the medium taken by the camera linked with the terminal 121. It is also possible.
  • the server 141 or the terminal 121 extracts the part of the first appearance information that does not match the second appearance information, and presents the part on the screen of the terminal 121 to remove the currently held second medium. It is possible to encourage the first medium to be held.
  • the background color of the membership card may change depending on the year of issuance. For example, if the background color of the first medium is red and the background color of the second medium is blue, the user can display a message such as "Please exchange for a red membership card" on the terminal 121. It is possible to appropriately inform the user of the medium to be held.
  • step S207 the old source medium (first medium) does not meet the deposit conditions
  • step S217 the new destination medium (second medium) does not meet the withdrawal conditions.
  • step S218 the migration condition from the new migration destination medium (second medium) to the old migration source medium (first medium) is not satisfied. It is discovered on the server 141 that any of the above is true, and it can be detected that there is an error in the operation of the user.
  • the server 141 may send a message to that effect to the terminal 121 to urge the user to restart the migration process from the beginning.
  • step S207 the processing that can be adopted when the first medium related to the received first identification information does not satisfy the deposit condition will be described below.
  • FIG. 5 is a flowchart showing a procedure in which the user holds two media to the terminal twice to transfer the value in this management system.
  • description will be made with reference to this figure.
  • the user first holds the old medium (first medium) of the migration source to the terminal 121 and establishes the first near-field communication (step S291). Then, the first value is extracted from the old medium (first medium) via the first near-field communication (step S292).
  • step S293 the new medium (second medium) of the migration destination to the terminal 121 and establishes the second near-field communication.
  • step S294 the first value extracted in step S292 is deposited in a new medium (second medium) via the second near-field communication (step S294), and the value transfer is completed.
  • 6 and 7 show the control in which the value is transferred from the old medium to the new medium by holding the media in the order of the old migration source medium and the new migration destination medium to the reader / writer of the terminal in this management system. It is a flowchart which shows the outline of the flow of. Hereinafter, description will be made with reference to these figures.
  • Steps S201-S207 are the same as those in the above embodiment.
  • the server 141 determines whether or not the first medium satisfies the withdrawal condition (step S301).
  • the server 141 transmits the determination result to that effect to the terminal 121 (step S303).
  • the terminal 121 When the terminal 121 receives the determination result that the first medium satisfies the withdrawal condition (step S304), the terminal 121 sends a decrease command via the first proximity communication to display the first value stored in the first medium. Pull everything out (step S305).
  • the terminal 121 transmits a withdrawal report to the server 141 to the effect that the first value is withdrawn from the first medium and the value is not currently stored in the first medium (step S306).
  • the server 141 Upon receiving the withdrawal report (step S307), the server 141 generates gift information that specifies the amount of the first value withdrawn (step S308), and associates the generated gift information with the first identification information. Record in the database (step S309).
  • the terminal 121 waits until the first near-field communication is disconnected (step S310), and when the first near-field communication is disconnected, the second near-field communication with the second medium is performed. Attempts to establish (step S311).
  • the terminal 121 When the second near-field communication is established within the predetermined time (step S312; Yes), the terminal 121 sends an inquiry command to the second medium via the second near-field communication and is assigned to the second medium. Read the second identification information (step S313). In addition to the second identification information, the terminal 121 may read the second value stored in the second medium.
  • the terminal 121 transmits the second identification information read from the second medium to the server 141 via the computer communication network 161 (step S314).
  • the terminal 121 reads the second value from the second medium, it may also be transmitted to the server 141.
  • the server 141 receives the second identification information transmitted from the terminal 121 (step S315).
  • the server 141 may also receive the second value.
  • the server 141 determines whether or not the second medium to which the second identification information is assigned satisfies the deposit condition based on the received second identification information (step S316).
  • step S317 If the second medium satisfies the deposit condition (step S317; Yes), the server 141 determines whether or not the transition condition from the first medium to the second medium is satisfied (step S318).
  • step S320 When the transition condition from the first medium to the second medium is satisfied (step S319; Yes), the server transmits the determination results of steps S316 and S318 to the terminal 121 (step S320).
  • the terminal 121 When the terminal 121 receives the determination result that the second terminal satisfies the deposit condition and the transition condition from the first medium to the second medium is satisfied (step S321), the terminal 121 increases via the second near-field communication. By sending a command, the first value extracted from the first medium in step S305 is deposited in the second medium (step S322).
  • the terminal 121 transmits a completion report indicating that the first value related to the withdrawal report transmitted in step S306 has been deposited in the second medium to the server 141 (step S323).
  • step S324 When the server 141 receives the completion report (step S324), the server 141 invalidates the gift information generated in step S308 due to the withdrawal report related to the received completion report in the database (step S325).
  • the user is stored in the old medium by the operation of holding the old migration source medium (first medium) and the new migration destination medium (second medium) in the terminal in this order.
  • the value can be transferred to a new medium.
  • the gift information associated with the first identification information is prepared, and if the value is transferred to the second medium immediately after that, the gift information is obtained. Is invalidated.
  • the second medium does not meet the deposit conditions (step S317; No), or the first medium is transferred to the second medium. If the migration condition is not met (step S319; No), the gift information associated with the first identification information remains recorded in the database.
  • the gift processing (step S228- in FIG. 3). It corresponds to S239 and can execute the same processing as disclosed in Non-Patent Document 1). Then, if the value drawn from the first medium is not transferred, the value will be returned to the first medium.
  • the value drawn from one medium cannot be deposited in another medium, the value can be returned to the user.
  • the value related to the gift information for the medium can be automatically deposited in the medium or based on the user's choice. it can.
  • the first value and the second value stored in the first medium and the second medium are not referred to in the withdrawal condition, the deposit condition, and the transfer condition, and the value can be stored in the medium. If there is an upper limit, even if the withdrawal conditions, deposit conditions, and transition conditions are met, it may not be possible to deposit the value drawn from the old medium to the new medium due to the restrictions on the value upper limit.
  • the gift information may have an expiration date (the end of the validity period).
  • the user may preferentially select the gift information that is about to expire, that is, the gift information that is currently valid and has the closest end of the valid period, and deposits the value in the medium.
  • the validity period is set for the value transfer from the old medium to the new medium, and the unauthorized use is suppressed while considering the convenience of the user. is there.
  • the gift information generated in step S225 is provided with a valid period.
  • This validity period is The second value drawn from the second medium (old medium), and The first value stored in the first medium (new medium), and even The gift value specified for other gift information already recorded in the database in association with the first identification information of the first medium (new medium), Can be determined based on.
  • the more the second value, the more the first value, the more gift value, or the more sums of these choices, the more postponed the end of the validity period. Can be set. These conditions may be set individually or in combination.
  • the more the second value, the more the first value, the more the gift value, or these are appropriate.
  • the beginning of the validity period of the gift information related to the second value may be set after the latest end of the validity period set in the other gift information.
  • the sum of the first value and the gift value is below the upper limit, but if the sum of the second value, the first value, and the gift value exceeds the upper limit, the second value is divided into the third value and the fourth value.
  • the gift value and the third value are immediately deposited in the first medium, but the fourth value may be set as a valid period so that it can be deposited in the future.
  • Non-Patent Document 1 As soon as it is registered in the database, the contact information associated with the identification information to which the gift information is associated, for example, an e-mail address, is notified that the gift has been given. Is desirable.
  • the value drawn from the old medium should often be immediately deposited in the new medium, and the gift information registered in the database in step S226 will be stepped upon when the migration is complete. It will be invalidated by S239.
  • the gift information is not invalidated even after the lapse of a predetermined period, instead of immediately notifying the contact information with the identification information to which the gift information is associated. If the notification is given only in the case, complicated notification can be omitted.
  • the general gift processing is applied when the value is transferred, but the gift processing related to the value transfer and the general gift processing can be applied separately and independently.
  • the gift information related to the value transfer can be considered as the transfer information for managing the state during the transfer.
  • the management system includes a terminal and a server.
  • the terminal When the terminal establishes the first near-field communication with the first medium, The terminal reads the first identification information from the first medium via the established first near-field communication.
  • the server determines whether or not the first medium satisfies the deposit condition based on the read first identification information. After the first medium satisfies the deposit condition and the first near-field communication is disconnected, when the terminal establishes the second near-field communication with the second medium, The terminal reads the second identification information from the second medium via the established second near-field communication.
  • the server satisfies the withdrawal condition of the second medium, and the first medium and the second medium are the first from the second medium. Determine if the conditions for transition to media are met and If the second medium satisfies the withdrawal condition, and the first medium and the second medium satisfy the transition condition from the second medium to the first medium.
  • the terminal pulls out the second value stored in the second medium from the second medium via the second near-field communication. After the second value is extracted from the second medium and the second near-field communication is disconnected, when the terminal establishes the third near-field communication with the first medium, The terminal is configured to deposit the extracted second value into the first medium via the established third near-field communication.
  • the terminal or the server acquires the first appearance information of the first medium and the second appearance information of the second medium. After the second near-field communication is disconnected, the terminal is presented by presenting on the screen a portion of the acquired first appearance information that does not match the acquired second appearance information. It can be configured to encourage the establishment of the third near-field communication with the first medium having the portion as an appearance.
  • the portion presented on the screen can be configured to be the background color of the first medium.
  • the portion presented on the screen can be configured to have an expiration date attached to the card on which the first medium is integrally formed.
  • the server records valid gift information that specifies the retrieved second value in a database in association with the first identification information.
  • the terminal or another terminal establishes a new near-field communication with the first medium
  • the terminal that has established the new near-field communication is transferred from the first medium to the first via the new near-field communication. 1
  • the server searches the database for valid gift information recorded in association with the read first identification information, acquires the value specified in the searched valid gift information, and obtains the value specified for the searched valid gift information.
  • the terminal that has established the new near-field communication deposits the acquired value into the first medium via the new near-field communication, the server deposits the deposited value in the database. It can be configured to invalidate the gift information that was specified.
  • the gift information has a validity period determined based on the second value specified in the gift information and the first value stored in the first medium. It is within the validity period of the gift information that the terminal or another terminal deposits the second value specified in the gift information into the first medium via the established new near-field communication. It can be configured to be limited to.
  • the gift information is recorded in association with the first identification information read from the first medium via a new near-field communication established with the first medium, but the terminal or the terminal or If the other terminal does not deposit the second value specified in the gift information in the first medium,
  • the server can be configured to extend the expiration date contained in the gift information.
  • the terminal moves to the fourth near-field with the second medium without establishing the third near-field communication.
  • the terminal can be configured to deposit the extracted second value into the second medium via the fourth near-field communication.
  • the server determines whether or not the first medium satisfies the withdrawal condition based on the read first identification information. If the first medium satisfies the withdrawal condition, The terminal pulls out the first value stored in the first medium from the first medium via the first near-field communication. After the first value is extracted from the first medium and the first near-field communication is disconnected, when the terminal establishes the second near-field communication with the second medium, The terminal reads the second identification information from the second medium via the established second near-field communication. According to the read first identification information and the second identification information, the server satisfies the deposit condition, and the first medium and the second medium are from the first medium to the second medium.
  • the terminal can be configured to deposit the extracted first value into the second medium via the second near-field communication.
  • the terminal After the first value is withdrawn from the first medium and the first near-field communication is disconnected, The second near-field communication has not been established, or Even if the second near-field communication is established, the second medium does not satisfy the deposit condition, or the first medium and the second medium are conditions for transition from the first medium to the second medium. Without satisfying When the terminal establishes the third near-field communication with the first medium, The terminal can be configured to deposit the extracted first value into the first medium via the third near-field communication.
  • the management method of this embodiment is When the terminal establishes first near-field communication with the first medium, A step in which the terminal reads the first identification information from the first medium via the established first near-field communication. A step in which the server determines whether or not the first medium satisfies the deposit condition based on the read first identification information. After the first medium satisfies the deposit condition and the first near-field communication is disconnected, when the terminal establishes the second near-field communication with the second medium, A step in which the terminal reads the second identification information from the second medium via the established second near-field communication. According to the read first identification information and the second identification information, the server satisfies the withdrawal condition of the second medium, and the first medium and the second medium are the first from the second medium.
  • the computer-readable non-temporary information recording medium is The server computer is configured to record server programs that act as servers in the above management system.
  • the computer-readable non-temporary information recording medium is The terminal computer is configured to record a terminal program for functioning as a terminal in the above terminal system.
  • the value is transferred from one medium to another by using a terminal in which the number of near-field communications that can be established simultaneously with the medium in which the value of electronic money is stored is limited to one. It is possible to provide an electronic money management system, a management method, and an information recording medium.
  • Terminal 141 Terminal 141
  • Computer communication network 181 Media 182 Near-field communication

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

Abstract

Selon la présente invention, un terminal établit une première communication en champ proche avec un premier support, et lit des premières informations d'identification (S191). Après la déconnexion de la première communication en champ proche, le terminal établit une seconde communication en champ proche avec un second support et lit des secondes informations d'identification (S192). Un serveur détermine une condition de dépôt concernant le premier support ayant les premières informations d'identification, une condition de retrait concernant le second support ayant les secondes informations d'identification, et une condition d'une transition du second support au premier support. Si la totalité est satisfaite, lorsque le terminal retire une valeur du second support par l'intermédiaire de la seconde communication en champ proche (S193), des informations concernant la valeur sont enregistrées de manière correspondante dans le premier support (S194). Lorsqu'un terminal arbitraire établit une troisième communication en champ proche avec le premier support (S195), les informations enregistrées de manière correspondante dans le premier support sont acquises (S196), et le terminal arbitraire dépose une valeur se rapportant aux informations acquises au premier support par l'intermédiaire de la troisième communication en champ proche (S197).
PCT/JP2019/014165 2019-03-29 2019-03-29 Système de gestion de monnaie électronique, procédé de gestion, et support d'enregistrement d'informations WO2020202311A1 (fr)

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JP2020501402A JP6692592B1 (ja) 2019-03-29 2019-03-29 電子マネーの管理システム、管理方法、ならびに、情報記録媒体
PCT/JP2019/014165 WO2020202311A1 (fr) 2019-03-29 2019-03-29 Système de gestion de monnaie électronique, procédé de gestion, et support d'enregistrement d'informations

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2003141429A (ja) * 2001-10-31 2003-05-16 Sony Corp データ転送システム及びデータ転送方法、価値情報移動サービス装置及び価値情報移動サービス方法、並びに記憶媒体
JP2007041954A (ja) * 2005-08-04 2007-02-15 Felica Networks Inc 価値情報移動システム，価値情報移動方法
WO2017168997A1 (fr) * 2016-03-30 2017-10-05 フェリカネットワークス株式会社 Dispositif de traitement d'informations, dispositif de gestion, procédé de traitement d'informations, et système de traitement d'informations

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Publication number Priority date Publication date Assignee Title
JP2003141429A (ja) * 2001-10-31 2003-05-16 Sony Corp データ転送システム及びデータ転送方法、価値情報移動サービス装置及び価値情報移動サービス方法、並びに記憶媒体
JP2007041954A (ja) * 2005-08-04 2007-02-15 Felica Networks Inc 価値情報移動システム，価値情報移動方法
WO2017168997A1 (fr) * 2016-03-30 2017-10-05 フェリカネットワークス株式会社 Dispositif de traitement d'informations, dispositif de gestion, procédé de traitement d'informations, et système de traitement d'informations

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"Non-official translation: How to migrate WAON balances and points when renewing or replacing Aeon cards", 28 August 2017 (2017-08-28), Retrieved from the Internet <URL:http://otokuchin.com/3964/> [retrieved on 20190422] *

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