JP2004013320A - Electronic money management system, electronic money management server, and electronic money management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable anybody to easily use cybermoney without reference to the age and living environment. <P>SOLUTION: A home server 1 installed at home K reads a new schedule (e.g. "golf on June 10") out of a PDA 2 that a member of the family K owns, computes the amount of cybermoney paid to the PDA 2 from the past transaction history of the read schedule item (e.g. "golf"), and transmits cyblermoney of the computed paid amount to the PDA 2. If the computed paid amount results in a deficiency in family budget, a process for reducing the paid amount is carried out. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic money management system, an electronic money management server, and an electronic money management method.
[0002]
[Prior art]
2. Description of the Related Art In recent years, a system using electronic money that expresses a monetary value by digital data (electronic money) has become widespread as a means of payment for shopping at a store that does not use a credit card or cash, or for electronic commerce using the Internet or the like. . In such an electronic money system, data indicating a monetary value is stored in a portable electronic device such as an IC card or a PDA (Personal Digital Assistants), and the terminal is connected to a store terminal, a Web site on the Internet, and a PC (Personal Computer). To exchange electronic money data.
[0003]
[Problems to be solved by the invention]
However, in the electronic money system described above, a PC is used as a living environment for those who can use the PC freely. There was a problem that a suitable use method for the elderly people who needed it was not considered.
[0004]
An object of the present invention is to make it easy for anyone to use electronic money regardless of age or living environment.
[0005]
[Means for Solving the Problems]
The electronic money management system according to the present invention comprises:
An electronic money management system including a portable information terminal owned by each of members of a predetermined group, and a server including management means for managing electronic money transaction information by each of the portable information terminals,
The server comprises:
Reading means for reading schedule information of the owner of the portable information terminal from the portable information terminal connected to the server,
Determining means for determining the amount of electronic money to be provided to the portable information terminal based on the schedule information read by the reading means;
Transmitting means for transmitting the electronic money data of the amount determined by the determining means to the portable information terminal;
It is characterized by having.
[0006]
The determining means may determine the amount of the electronic money to be supplied to the portable information terminal connected to the server by the schedule information read by the reading means and the electronic money of the entire predetermined group managed by the managing means. It may be determined based on transaction information.
[0007]
Further, the portable information terminal includes:
Comprising transaction history information storage means for storing transaction history information by electronic money,
The server comprises:
Acquiring means for acquiring transaction history information by electronic money from transaction history information storage means of the portable information terminal connected to the server;
Setting means for setting, for each transaction item, an amount of electronic money to be supplied to the portable information terminal connected to the server, based on the transaction history information obtained by the obtaining means,
The determining means can determine the amount of electronic money to be provided to the portable information terminal based on the amount of electronic money for each transaction item set by the setting means and the schedule information read by the reading means.
[0008]
According to the electronic money management system according to the present invention, the electronic money management server determines the amount of the electronic money to be provided to each of the members of the predetermined group based on the schedule information read from the portable information terminals owned by the members. By deciding, property management of the entire group can be easily performed. In addition, since the electronic money management server performs property management, each group member can easily use electronic money.
[0009]
The electronic money management server according to the present invention includes:
An electronic money management server comprising management means for managing electronic money transaction information by a portable information terminal owned by each of members of a predetermined group,
Reading means for reading schedule information of the owner of the portable information terminal from the portable information terminal connected to the server,
Determining means for determining the amount of electronic money to be provided to the portable information terminal based on the schedule information read by the reading means;
Transmitting means for transmitting the electronic money data of the amount determined by the determining means to the portable information terminal;
It is characterized by having.
[0010]
The determining means may determine the amount of the electronic money to be supplied to the portable information terminal connected to the server by the schedule information read by the reading means and the electronic money transaction of the entire predetermined group managed by the managing means. The determination may be made based on information.
[0011]
Further, the electronic money management server according to the present invention, from a portable information terminal connected to the server, acquisition means for acquiring transaction history information by electronic money,
Setting means for setting, for each transaction item, an amount of electronic money to be supplied to the portable information terminal connected to the server, based on the transaction history information obtained by the obtaining means,
The determining means may determine the amount of electronic money to be provided to the portable information terminal based on the amount of electronic money for each transaction item set by the setting means and the schedule information read by the reading means. Good.
[0012]
According to the electronic money management server of the present invention, the members of the predetermined group determine the amount of electronic money to be paid to each of the members based on the schedule information read from the portable information terminals held by the members. Overall property management can be performed easily. In addition, anyone can easily use electronic money regardless of age or living environment.
[0013]
The electronic money management system according to the present invention comprises:
An electronic money management system including a portable information terminal held by a protected person requiring predetermined protection and a management device that manages electronic money transactions by the portable information terminal held by the protected person,
The portable information terminal,
Transmission means for transmitting transaction information and store information at the store used by the protected person to the management device,
Processing means for performing processing necessary for the electronic money transaction according to a result of the transaction content check by the management device,
The management device,
Registered store storage means for storing information on stores registered as stores used by the protected person,
Receiving means for receiving the transaction information and the store information transmitted by the transmitting means of the portable information terminal;
Checking means for checking the transaction contents at the store used by the protected person based on the registered store information stored by the registered store storage means and the transaction information and the store information received by the receiving means,
Notifying means for notifying the portable information terminal of a check result by the checking means,
It is characterized by having.
[0014]
In addition, the management device,
From the store information received by the receiving unit, a determination unit that determines whether the store actually used by the protected person is a registered store stored in the registered store storage unit,
If the determination unit determines that the store actually used by the protected person is not a registered store, the portable information terminal includes an inquiry unit for inquiring details of information on the store,
The checking unit may check a transaction content at the store based on a result of the inquiry by the inquiry unit.
[0015]
According to the electronic money management system of the present invention, the suspicious transaction is carried out by checking the transaction content at the time of electronic money transaction at the portable information terminal owned by the protected person requiring the predetermined protection. And protect the property of the protected person. In addition, the protected person can use the electronic money with confidence.
[0016]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[First Embodiment]
First, a first embodiment of the present invention will be described in detail with reference to FIGS.
First, the configuration of the first embodiment will be described. Here, a system is shown in which a family of members is a group, and electronic money is supplied to portable information terminals owned by the family.
[0017]
FIG. 1 is a diagram illustrating a system configuration of an electronic money system 100 according to the first embodiment. As shown in FIG. 1, the electronic money system 100 includes a home server 1, a PDA 2, and a bank server 3 installed in a home K using the electronic money system 100. The home server 1 and the PDA 2 The home server 1 and the bank server 3 are connected via a communication network N.
[0018]
Here, the communication network N includes various line networks such as a telephone line network, an ISDN (Integrated Services Digital Network) line network, a CATV (Cable Television) line network, a mobile communication network, and Internet service providers and bases for connecting them. Including stations.
[0019]
Although FIG. 1 shows a case where only one household K uses the electronic money system 100 to simplify the description of the first embodiment, the home K using the electronic money system 100 is shown. Is not particularly limited. FIG. 1 shows a case where two PDA's 2 correspond to one home server 1. However, the number of PDA's 2 corresponding to one home server 1 is not particularly limited. It may be the number of members of K.
[0020]
Hereinafter, each unit constituting the electronic money system 100 will be described.
First, an internal configuration of the home server 1 installed in the home K using the electronic money system 100 will be described with reference to the block diagram of FIG. As shown in FIG. 2, the home server 1 includes a CPU 11, a display unit 12, an input unit 13, a transmission control unit 14, a RAM 15, and a storage device 16, and each unit is connected by a bus 17. Further, a connection table C is connected to the bus 17 via a connection I / F 18.
[0021]
A CPU (Central Processing Unit) 11 reads various application programs stored in a storage device 16, expands them in a program storage area (not shown) in a RAM 15, executes various processes based on these programs, and stores the processing results in the RAM 15 Is temporarily stored in a work area (not shown) in the inside and displayed on the display unit 12. The CPU 11 further stores the processing result in the specified storage destination in the storage device 16 based on the instruction signal input from the input unit 13.
[0022]
Specifically, when the PDA is connected to the home server 1 via the connection board C, the CPU 11 reads the schedule data stored in the PDA in accordance with the electronic money transfer amount determination program 16a stored in the storage device 16. A reading process, a transaction data reading process, a transfer amount calculation process of electronic money, and a transmission process of electronic money data are executed (FIGS. 7 to 10).
[0023]
The display unit 12 includes an LCD (Liquid Crystal Display), a CRT (Cathode Ray Tube), or the like, and performs necessary display processing according to a display signal input from the CPU 11.
[0024]
The input unit 13 has a numeric keypad and various function keys, and outputs a press signal by the key operation to the CPU 11.
[0025]
The transmission control unit 14 is configured by a modem (MODEM: Modulator / DEModulator), a terminal adapter (Terminal Adapter), or the like, and performs control for performing communication with an external device via a communication line such as a telephone line or an ISDN line. Do. The modem modulates the digital data processed by the CPU 11 into an analog signal in the frequency band of the telephone line in order to communicate with an external device such as a personal computer via the telephone line. This is a device for demodulating an analog signal input thereto into a digital signal. A terminal adapter is a device that converts an existing interface into an interface corresponding to ISDN in order to communicate with an external device such as a personal computer via an ISDN line.
[0026]
A RAM (Random Access Memory) 15 loads the above-mentioned processing programs and various application programs executed by the CPU 11 into a program storage area (not shown) in the RAM 15 and executes an input instruction, input data and the above-mentioned processing program. Are temporarily stored in a work area (not shown).
[0027]
The storage device 16 has a configuration in which programs, data, and the like are stored in advance, and includes a recording medium readable by the CPU 11, such as a magnetic or optical recording medium or a semiconductor memory. The recording medium includes a portable medium such as a CD-ROM and a memory card and a fixed medium such as a hard disk. In addition, some or all of the programs, data, and the like stored in the recording medium are received from the transmission control unit 14 via a network such as a WAN (Wide Area Network) or a LAN (Local Area Network) from a server or a client. The recording medium may be a recording medium of a server or a client constructed on a network.
[0028]
The storage device 16 stores various application programs corresponding to the home server 1, an electronic money transfer amount determination program 16a, a bank server transaction processing program 16b (FIG. 3A), data processed by each processing program, and the like. . The electronic money transfer amount determination program 16a is a program for inputting electronic money data to a PDA connected via the connection board C, and the bank server transaction processing program 16b is provided from the bank server 3 connected to the communication network N. , A program for withdrawing electronic money.
[0029]
Further, as shown in FIG. 3 (b), the storage device 16 stores terminal management information 16c storing information on a PDA owned by each member of the household K and a transaction storing electronic member transaction history of each member. The history information 16d is stored.
[0030]
As shown in FIG. 3B, the terminal management information 16c stores an ID 161c, an electronic money amount 162c, schedule management data 163c, and a set amount table 164c for each PDA.
[0031]
The ID 161c stores the ID (identification information) of each PDA 2, and the electronic money amount 162c stores the electronic money amount data for each day (weekly) allocated to each PDA 2.
[0032]
The schedule management data 163c stores the schedule information of each PDA user, and as shown in FIG. 4A, for each PDA user, “user”, “date”, “content”, “completed” Each item is stored in association with each other. In the schedule management data 163c, “user” and “date” indicate the name of each PDA user and the date when the event specified in the “content” item is performed (or performed), respectively. “Content” indicates the content of the event, and “Done” indicates a flag indicating whether or not the supply of the electronic money has been completed for the corresponding event. In FIG. 4A, a flag 1 indicates that supply of electronic money has been completed for the corresponding event, and a flag 0 indicates that electronic money has not been supplied for the corresponding event.
[0033]
As shown in FIG. 4B, the set price table 164c stores, for each PDA user, items of a user, a content, and a set price in association with each other. In this set amount table 164c, "user" indicates the name of each PDA user, "content" indicates the event content, and "set amount" is the event specified in the "content" item of the corresponding user. Shows the average of the amount spent.
[0034]
The transaction history information 16d stores the electronic money transaction history of each PDA user. As shown in FIG. 4C, each item of “date”, “content”, “usage amount”, and “user” is stored. They are stored in association with each other. In the transaction history information 16d, “date” indicates the date when the event specified in the “content” item was performed, “content” indicates the transaction item (event content), and “usage amount” corresponds to the date. Indicates the amount used in the transaction item specified in the "content" item.
[0035]
Next, an internal configuration of the PDA 2 will be described with reference to FIG. First, the internal configuration of PDA2 (hereinafter, referred to as master PDA2) owned by the head of household K will be described. As shown in FIG. 5, the master PDA 2 includes a CPU 21, a display unit 22, an input unit 23, a wireless communication control unit 24, a RAM 25, a storage device 26, and an I / O 27. Each unit is connected by a bus 28. .
[0036]
The CPU 21 reads various application programs stored in the storage device 26, expands them in a program storage area (not shown) in the RAM 25, executes various processes based on these programs, and stores processing results in a work area (not shown) in the RAM 25. (Abbreviated) and displayed on the display unit 22. The CPU 21 further stores the processing result in the specified storage destination in the storage device 26 based on the instruction signal input from the input unit 23.
[0037]
Specifically, CPU 21 executes an approval process in response to an electronic money transaction approval request from PDA 2 (hereinafter, referred to as slave PDA 2) owned by another member of household K (see FIG. 12).
[0038]
The display unit 22 has a display screen such as an LCD, and performs necessary display according to display data input from the CPU 21. On the display screen of the display unit 22, a tablet described later is combined. FIG. 13 shows an example of screen display on the display unit 22.
[0039]
The input unit 23 includes various function keys, and outputs a key press signal to the CPU 21. The input unit 23 includes a tablet provided integrally with the display unit 22. The tablet detects data input by a dedicated pen or the like based on a coordinate reading principle such as an electromagnetic induction system, a magnetostriction system, and a pressure-sensitive system. Then, it outputs to the CPU 21.
[0040]
The wireless communication control unit 24 is configured by a wireless modem or the like, and performs communication control for performing wireless communication with a communication carrier (not shown) connected to the communication network N.
[0041]
The RAM 25 develops the above-described processing programs and various application programs executed by the CPU 21 in a program storage area (not shown) in the RAM 25, and stores input instructions, input data, processing results generated when the above-described processing programs are executed, and the like. Is temporarily stored in a work memory area (not shown).
[0042]
The storage device 26 has a configuration in which programs, data, and the like are stored in advance, and includes a recording medium readable by the CPU 21 such as a magnetic or optical recording medium or a semiconductor memory. The recording medium includes a portable medium such as a memory card and a fixed medium such as a hard disk. Further, the program, data, and the like stored in the recording medium may be configured such that part or all of the program, data, and the like are received from the server or the client from the wireless communication control unit 24 via the communication network N. It may be a recording medium of a server or a client constructed on a network.
[0043]
As shown in FIG. 6, the storage device 26 stores electronic money amount data 26a storing electronic money balance data, a schedule 26b storing schedule data, and a transaction history 26c storing electronic money transaction history. .
[0044]
The I / O 27 inputs and outputs data to and from the home server 1 via the connection board C.
[0045]
Since the internal configuration of the slave PDA2 is the same as the internal configuration of the master PDA2, the same reference numerals are given and the illustration thereof is omitted. In the following description of the configuration of the slave PDA2, only differences from the master PDA2 will be described.
[0046]
The CPU 21 of the slave PDA 2 executes a payment process at the time of electronic money transaction (see FIG. 11). In this payment process, if the amount data received from the store is equal to or more than the predetermined amount, the CPU 21 requests the master PDA 2 to approve the electronic money transaction with the amount, and makes a payment according to the approval result from the master PDA 2. Execute the process.
[0047]
In FIG. 1, a bank server 3 is installed in a financial institution and, in response to an electronic money withdrawal request from the home server 1, withdraws a requested amount of electronic money from a designated account. Further, when there is a settlement request for an electronic money transaction from the store side (not shown), the bank server 3 debits the requested electronic money amount from the designated account and sends the requested amount of money to the corresponding store. Make payment.
[0048]
Next, the operation of the first embodiment will be described.
FIGS. 7 to 10 are flowcharts for explaining the operation of the home server 1 to which the embodiment of the present invention is applied.
These flowcharts are for describing a program for causing a computer constituting the home server 1 to realize each function. This program will be described by using an example in which the program is stored in a recording medium in the form of a program code that can be read by the CPU 11. However, it is not necessary to store all the functions in the recording medium. It may be realized by receiving from the transmission control unit 14 via the communication network N.
[0049]
First, the overall processing of the home server 1 will be described with reference to the flowchart in FIG.
[0050]
When the PDA 2 is connected via the connection board C (step H1), the CPU 11 executes a process of reading newly set schedule data (schedule items) from the schedule 26b stored in the PDA 2 (step H2). . Next, the CPU 11 reads the transaction history data corresponding to the newly set schedule data from the transaction history 26c stored in the PDA 2, and executes a process of recalculating the set amount of the item (step H3).
[0051]
Next, the CPU 11 calculates the amount of payment to the PDA 2 based on the transaction history data read in step H3 (step H4), and transmits electronic money data corresponding to the amount calculated in step H4 to the PDA 2. (Step H5), and the entire process ends.
[0052]
Next, the schedule data reading process in step H2 in FIG. 7 will be described with reference to the flowchart in FIG.
[0053]
First, the CPU 11 reads the ID data from the PDA 2, and specifies the owner of the PDA 2 from the ID data (Step H21). Next, the CPU 11 reads the newly set schedule data from the schedule 26b stored in the PDA 2 (Step H22). The newly set schedule data is schedule data that is not recorded in the schedule management data 163c.
[0054]
Next, the CPU 11 determines whether or not each schedule item included in the schedule data read in step H22 is a schedule that requires input of electronic money, and specifies a schedule item that requires input of electronic money. (Step H23) The main schedule data reading process ends.
[0055]
Next, the transaction data reading process in step H3 in FIG. 7 will be described with reference to the flowchart in FIG.
[0056]
First, the CPU 11 reads transaction history data corresponding to the schedule item specified in step H23 of FIG. 8 from the transaction history 26c stored in the PDA 2 (step H31). Next, the CPU 11 calculates the average value of the usage amount of the schedule item from the transaction history data read in step H31 (step H32), and sets the average value in the setting amount table 164c corresponding to the schedule item. The transaction data is recorded as the amount, and the transaction data reading process ends.
[0057]
Next, the transfer amount calculation process in step H4 in FIG. 7 will be described with reference to the flowchart in FIG.
[0058]
First, the CPU 11 determines whether or not the amount recalculated in step H32 of FIG. 9 affects the current household of the household K (step H41). Here, the case of “affecting the household” indicates, for example, a case where the household expense of the household K becomes negative (red) due to the use of the amount recalculated in step H32.
[0059]
If it is determined in step H41 that there is an influence on the household (step H42; YES), the CPU 11 reduces the amount of payment to the PDA 2 (step H43), and ends the transfer amount calculation process.
[0060]
If it is determined in step H41 that there is no effect on the household (step H42; NO), the CPU 11 determines the amount recalculated in step H32 as the amount to be paid to the PDA 2 (step H44), and calculates the final transfer amount. The process ends.
[0061]
Hereinafter, a specific example of the operation of the home server 1 shown in the flowcharts of FIGS. In the following specific example, the user name of the PDA 2 is “A”.
[0062]
It is assumed that the CPU 11 reads data “date: June 10, content: golf” from the schedule 26 b stored in the PDA 2 as newly set schedule data. Next, the CPU 11 reads the transaction history of “golf” from the transaction history 26c of the PDA 2, calculates the average value of the money spent for golf, and uses the calculated average value as the user “A” in the set price table 164c. Is set in the “set amount” item corresponding to the “golf” item.
[0063]
For example, the transaction history of “golf” in the transaction history 26c is “date: March 10, usage amount: 50,000 yen”, “date: May 10, usage amount: 30,000 yen”. If so, the average value of the money spent for golf would be 40,000 yen.
[0064]
By spending 40,000 yen on golf scheduled for June 10, household K's household expenses for June are likely to be in the red, and if there is an effect on household budget, CPU 11 For example, the amount of supply of electronic money to the PDA 2 is reduced by 20% (32,000 yen).
[0065]
FIG. 11 and FIG. 12 are flowcharts for explaining the operations of the slave PDA2 and the master PDA2 when a child who is a member goes out with the slave PDA2 and performs shopping at a certain store.
These flowcharts are for explaining a program for causing the computers constituting the slave PDA 2 and the master PDA 2 to realize each function. This program will be described using an example in which the program is stored in a recording medium in the form of a program code that can be read by the CPU 21. However, it is not necessary to store all the functions in the recording medium. It may be realized by receiving from the wireless communication control unit 24 via the communication network N.
[0066]
First, the payment process executed by the slave PDA 2 during the electronic money transaction will be described with reference to the flowchart of FIG.
[0067]
At the time of electronic money transaction by shopping at a store (not shown), when the amount data is received from the store device of the store (step S1), the CPU 21 determines whether or not the amount data received at step S1 is equal to or more than a predetermined amount. Is determined (step S2).
[0068]
In step S2, if the amount is not equal to or more than the predetermined amount (step S2; NO), the CPU 21 executes a payment process using the electronic money with the amount received in step S1 (step S6), and ends the main payment process. In the payment processing in step S6, the CPU 21 transmits the electronic money data with the corresponding amount to the store device, reduces the electronic money balance by the amount, writes the electronic money balance into the electronic money amount data 26a, and stores the electronic money data in the transaction history 26c. Write transaction details (date, transaction item, amount used).
[0069]
If the amount is equal to or more than the predetermined amount in step S2 (step S2; YES), the CPU 21 transmits a signal requesting approval of the transaction with the amount received in step S1 to the master PDA 2 (step S3).
[0070]
Upon receiving the approval result from the master PDA 2 as a reply to the approval request in step S3 (step S4), the CPU 21 performs a payment process according to the approval result received in step S4 (step S5), and ends the payment process. I do.
[0071]
In step S4, when receiving from the master PDA 2 an NG signal not permitting the transaction with the received amount as an approval result, the CPU 21 ends the payment processing without performing the electronic money transaction.
[0072]
In step S4, when receiving from the master PDA 2 an OK signal for permitting the transaction with the received amount as the approval result, the CPU 21 executes a payment process using the electronic money with the amount (step S5). End payment processing. In the payment processing in step S5, the CPU 21 transmits the electronic money data with the corresponding amount to the store device, reduces the electronic money balance by the amount, writes the electronic money balance into the electronic money amount data 26a, and stores the electronic money data in the transaction history 26c. Write transaction details (date, transaction item, amount used).
[0073]
Next, an approval process executed by the master PDA 2 at the time of electronic money transaction in the slave PDA 2 will be described with reference to the flowchart of FIG.
[0074]
Upon receiving the approval request signal from the slave PDA 2 (step M1), the CPU 21 displays, on the display unit 22, the name of the owner of the slave PDA 2 who has made the approval request, the purchase content, and the amount, as shown in FIG. A screen is displayed (step M2), and the owner of master PDA2 (that is, the patriarch) is prompted to select whether or not to approve. An “OK” button is selected when approving the transaction content shown on the approval screen of FIG. 13, and an “NG” button is selected when not approving.
[0075]
When either the “OK” button or the “NG” button is selected on the approval screen of FIG. 13 (step M3), the CPU 21 displays the approval result (OK signal or NG signal) selected in step M3 as a slave. The data is transmitted to the PDA 2 (step M4), and the approval processing ends.
[0076]
As described above, according to the electronic money system 100 of the first embodiment, each person who configures the home K owns the PDA, and the home server 1 installed in the home K By determining the amount of electronic money to be paid to each person according to the household expenses, the household expenses can be easily managed.
[0077]
In addition, if electronic money is used to make a large purchase that causes household expenses to be in the red, a PDA owned by the patriarch with authority to approve is notified of the fact, and transactions cannot be made without the permission of the patriarch. In addition, unnecessary expenses can be reduced.
[0078]
In this way, the home server 1 manages the property of the entire home K, so that even those who do not have a PC around or who cannot use the PC freely as a living environment can easily use electronic money. And the risk of having cash for children and the elderly can be avoided.
[0079]
[Second embodiment]
Next, a second embodiment of the present invention will be described in detail with reference to FIGS.
First, the configuration of the second embodiment will be described. Here, we explain a system in which elderly people who are worried about conducting business transactions etc. by themselves contract with a security service company that also provides property management services, and mobile information terminals are lent and used by security service companies etc. I do.
[0080]
FIG. 14 is a diagram illustrating a system configuration of an electronic money system 200 according to the second embodiment. As shown in FIG. 14, the electronic money system 200 includes a security center device 10, a PDA 20, a bank server 30, and a store device 40, and these terminals (devices) are connected via a communication network N.
[0081]
Here, the communication network N includes various line networks such as a telephone line network, an ISDN (Integrated Services Digital Network) line network, a CATV (Cable Television) line network, a mobile communication network, and Internet service providers and bases for connecting them. Including stations.
[0082]
In FIG. 14, in order to simplify the description of the second embodiment, one PDA 20, one bank server 30, and two store devices 40 are provided for one security center device 10. However, the numbers of PDAs 20, bank servers 30, and store devices 40 corresponding to one security center device 10 are not particularly limited.
[0083]
Hereinafter, each unit constituting the electronic money system 200 will be described.
The security center device 10 is a terminal installed in a security center that provides a property management service for elderly people and the like, and as shown in FIG. 15, a CPU 101, a display unit 102, an input unit 103, a transmission control unit 104, a RAM 105, and a storage. It is configured by a device 106, and each unit is connected by a bus 107.
[0084]
The CPU 101 reads various application programs stored in the storage device 106, expands them in a program storage area (not shown) in the RAM 105, executes various processes based on these programs, and stores processing results in a work area (not shown) in the RAM 105. (Abbreviated) and displayed on the display unit 102. The CPU 101 further stores the processing result in the specified storage destination in the storage device 106 based on the instruction signal input from the input unit 103.
[0085]
Specifically, the CPU 101 executes a center process for checking the validity of the transaction in response to a transaction notification by electronic money from the PDA 20 owned by a registered member subscribing to the security management property management service ( FIG. 19 (b)). Further, the CPU 101 periodically (or as necessary) transmits electronic money data to the PDA 20 owned by each registered member.
[0086]
The display unit 102 is configured by an LCD, a CRT, or the like, and performs necessary display processing according to a display signal input from the CPU 101.
[0087]
The input unit 103 has a numeric keypad and various function keys, and outputs a press signal by the key operation to the CPU 101.
[0088]
The transmission control unit 104 includes a modem (MODEM: Modulator / DEModulator), a terminal adapter (Terminal Adapter), or the like, and performs control for performing communication with an external device via a communication line such as a telephone line or an ISDN line. Do. The modem modulates the digital data processed by the CPU 11 into an analog signal in the frequency band of the telephone line in order to communicate with an external device such as a personal computer via the telephone line. This is a device for demodulating an analog signal input thereto into a digital signal. A terminal adapter is a device that converts an existing interface into an interface corresponding to ISDN in order to communicate with an external device such as a personal computer via an ISDN line.
[0089]
The RAM 105 loads the above-mentioned processing programs and various application programs executed by the CPU 101 into a program storage area (not shown) in the RAM 105, and stores input instructions, input data, processing results generated when the above-described processing programs are executed, and the like. Are temporarily stored in a work area (not shown).
[0090]
The storage device 106 has a configuration in which programs, data, and the like are stored in advance, and includes a recording medium readable by the CPU 101, such as a magnetic or optical recording medium or a semiconductor memory. The recording medium includes a portable medium such as a CD-ROM and a memory card and a fixed medium such as a hard disk. Further, the program, data, and the like stored in the recording medium may be partially or wholly received from a transmission control unit 104 from a server or a client via a network such as a WAN or a LAN. May be a recording medium of a server or a client constructed on a network.
[0091]
The storage device 106 stores various application programs corresponding to the security center device 10, an electronic money transfer amount determination program 106a, a bank server transaction processing program 106b (see FIG. 16), data processed by each processing program, and the like. The electronic money transfer amount determination program 106a is a program for inputting electronic money data to the PDA via the communication network N, and the bank server transaction processing program 106b transfers electronic money from the bank server 30 connected to the communication network N. It is a program to draw out.
[0092]
Also, as shown in FIG. 16, the storage device 106 stores terminal management information 106c storing information on PDA owned by a person (registered member) registered in the security center and a transaction history of electronic money of each registered member. Stored transaction history information 106d.
[0093]
The terminal management information 106c includes, for each PDA owned by the registered member, an ID (identification information), store information registered as a purchase store of the corresponding registered member, and daily (or weekly) information allocated to each PDA 20. Stores the amount of electronic money. The transaction history information 106d stores the transaction history of each PDA 40 by electronic money.
[0094]
The PDA 20 is a terminal owned by a person registered in the property management service by the security center, and as shown in FIG. 17, a CPU 201, a display unit 202, an input unit 203, a wireless communication control unit 204, a RAM 205, a storage device 206, / O 207, and each unit is connected by a bus 208.
[0095]
The CPU 201 reads various application programs stored in the storage device 206, expands them in a program storage area (not shown) in the RAM 205, executes various processes based on these programs, and stores processing results in a work area (not shown) in the RAM 205. (Abbreviated) and displayed on the display unit 202. The CPU 201 further stores the processing result in the specified storage destination in the storage device 206 based on the instruction signal input from the input unit 203.
[0096]
Specifically, the CPU 201 transmits the store information and the transaction information received from the store device 40 to the security center device 10, requests a check on the validity of the transaction, and responds to the check result from the security center device 10. Then, a PDA process for performing a warning process or a transaction process is executed (see FIG. 19A).
[0097]
The display unit 202 has a display screen such as an LCD, and performs necessary display according to display data input from the CPU 201. On the display screen of the display unit 202, a tablet described later is combined. FIG. 20 shows a display example on the display unit 202.
[0098]
The input unit 203 includes various function keys, and outputs a key press signal to the CPU 201. The input unit 203 includes a tablet provided integrally with the display unit 202. The tablet detects data input by a dedicated pen or the like based on a coordinate reading principle such as an electromagnetic induction system, a magnetostrictive system, and a pressure-sensitive system. Then, it outputs to CPU201.
[0099]
The wireless communication control unit 204 includes a wireless modem or the like, and performs communication control for performing wireless communication with a communication carrier (not shown) connected to the communication network N.
[0100]
The RAM 205 loads the processing programs and various application programs executed by the CPU 201 into a program storage area (not shown) in the RAM 205, and stores input instructions, input data, processing results generated when the processing programs are executed, and the like. Is temporarily stored in a work memory area (not shown).
[0101]
The storage device 206 has a configuration in which programs, data, and the like are stored in advance, and includes a recording medium readable by the CPU 201, such as a magnetic or optical recording medium or a semiconductor memory. The recording medium includes a portable medium such as a memory card and a fixed medium such as a hard disk. The program, data, and the like stored in the recording medium may be partially or wholly received from the server or the client from the wireless communication control unit 204 via the communication network N. It may be a recording medium of a server or a client constructed on a network.
[0102]
The I / O 207 inputs and outputs data to and from a terminal such as a personal computer via a connection stand (not shown).
[0103]
In FIG. 14, a bank server 30 is installed in a financial institution and, in response to an electronic money withdrawal request from the security center device 10, withdraws a requested amount of electronic money from a designated account. Further, when there is a settlement request for the electronic money transaction of the owner of the PDA 20 from the store device 40, the bank server 30 debits the designated amount of electronic money from the designated account, and sends the requested amount of money to the corresponding store. Make payment.
[0104]
In FIG. 14, a store device 40 is a terminal installed in a store (hereinafter referred to as store α), and outputs store information and transaction information to the PDA 20 at the time of electronic money transaction by the PDA 20, and performs transaction by electronic money. A store process for executing the process is executed (see FIG. 18).
[0105]
Next, the operation of the second embodiment will be described.
In the following description of the operation, when the owner of the PDA 20 performs an electronic money transaction at the store α in which the store device 40 is installed, a process executed in each of the store device 40, the PDA 20, and the security center device 10 will be described. .
[0106]
First, the store processing executed by the store device 40 will be described with reference to the flowchart in FIG.
[0107]
First, the shop device 40 outputs shop information of the shop α and transaction information of the owner of the PDA 20 to the PDA 20 at the time of electronic money transaction at the PDA 20 (step T1). When the PDA 20 receives a transaction OK signal from the security center device 10 by checking the transaction content by the security center device 10 and the validity of the transaction is recognized, the store device 40 executes the transaction process (step T2), and The process ends.
[0108]
FIG. 19A is a flowchart for explaining the operation of the PDA 20. This flowchart is for describing a program for causing a computer constituting the PDA 20 to realize each function. This program will be described using an example in which the program is stored in a recording medium in the form of a program code that can be read by the CPU 201. However, it is not necessary to store all the functions in the recording medium. It may be realized by receiving from the wireless communication control unit 204 via the communication network N.
[0109]
FIG. 19B is a flowchart for explaining the operation of the security center device 10. This flowchart is for explaining a program for causing a computer constituting the security center apparatus 10 to realize each function. This program will be described using an example in which the program is stored in a recording medium in the form of a program code that can be read by the CPU 101. However, it is not necessary to store all the functions in the recording medium, and a part or all of the function may be replaced as necessary. It may be realized by receiving from the transmission control unit 104 via the communication network N.
[0110]
With reference to the flowchart of FIG. 19, processing performed by the PDA 20 and the security center device 10 when an electronic money transaction is performed by the PDA 20 will be described.
[0111]
First, the PDA process executed by the PDA 20 at the time of electronic money transaction will be described with reference to the flowchart of FIG.
[0112]
When the store information and the transaction information are received from the store device 40 installed in the store α (step P1), the CPU 201 transmits the store information and the transaction information received from the store device 40 to the security center device 10 (step P2). ). Then, the CPU 201 determines whether there is a trader data input request from the security center device 10 (step P3).
[0113]
In step P3, when there is a request for input of trader data from the security center device 10 (step P3; YES), the CPU 201 causes the display unit 202 to display a transaction confirmation screen as shown in FIG. Prompt the clerk to enter trader data.
[0114]
By operating the input unit 203 on the transaction confirmation screen on the display unit 202, necessary information such as the company name of the store α having the store device 40, the telephone number, the name of the product purchased by the owner of the PDA 20, the price of the product, etc. Is input (Step P4), and when the "Send" button is pressed, the CPU 201 transmits the necessary information input in Step P4 to the security center device 10, and requests the security center device 10 to check the validity of the transaction ( Step P5), and waits for reception of a check result of the transaction content from the security center device 10 (step P6).
[0115]
In step P3, if there is no request for input of trader data from the security center device 10 (step P3; NO), the CPU 201 proceeds to step P6, and receives the check result of the transaction content from the security center device 10. It waits (step P6).
[0116]
When the transaction OK signal is received by the check of the security center device 10 (Step P6; YES), the CPU 201 executes the electronic money transaction process (Step P8), and ends the PDA process. When a transaction NG signal is received from the security center device 10 (step P6; NO), for example, when there is a suspicious point in the transaction at the store α, the CPU 201 performs a warning process (step P7) and ends the PDA process.
[0117]
Next, with reference to the flowchart of FIG. 19B, a center process executed by the security center device 10 when a notification of transaction information is received from the PDA 20 will be described.
[0118]
When the security center device 10 receives the store information and the transaction information from the PDA 20 (step Q1), the CPU 101 registers the store α where the owner of the PDA 20 did shopping in the terminal management information 106c as the purchase store of the PDA 20. It is determined whether the store is a registered store (step Q2).
[0119]
If it is determined in step Q2 that the store α is not a registered store (step Q2; NO), the CPU 101 transmits a signal requesting input of store trader data to the PDA 20 (step Q3). Wait for the reception of the store information and transaction information of α.
[0120]
When the store information of the store α and the transaction content are received from the PDA 20, the operator of the security center device 10 performs these checks manually (step Q4). When there is an instruction to transmit the check result in step Q4 by operating the input unit 103, the CPU 101 transmits the check result to the PDA 20 (step Q6).
[0121]
If it is determined in step Q2 that the store α is a registered store (step Q2; YES), the CPU 101 checks the transaction content (transaction amount) received in step Q1 (step Q5). In the check in step Q5, it is checked whether the transaction is a transaction exceeding the limit due to the purchase of a large amount of goods, whether the purchase is an unnecessary commodity, or the like.
[0122]
When the transaction content check in step Q5 is completed, CPU 101 transmits the check result to PDA 20 (step Q6). Next, the CPU 101 records the transaction content data in the transaction history information 106d (step Q7), and ends the center processing.
[0123]
As described above, according to the electronic money system 200 of the second embodiment, a registered member such as an elderly person registered in the property management service owns the PDA, and the security center device 10 At the time of electronic money transaction by the PDA, the validity of the transaction is checked, and if there is any suspicion, the transaction is prevented from being performed, so that the property of the registered member can be easily protected. In addition, each registered member can use electronic money with peace of mind.
[0124]
The contents described in each of the above embodiments are not limited to the above contents, and can be appropriately changed without departing from the spirit of the present invention.
[0125]
【The invention's effect】
According to the first to seventh aspects of the present invention, the electronic money management server determines the amount of electronic money to be paid to each of the members of the predetermined group based on the schedule information read from the portable information terminals owned by the members. By doing so, property management of the entire group can be easily performed. In addition, since the electronic money management server performs property management, each group member can easily use electronic money.
[0126]
According to the invention as set forth in claims 8 to 10, at the time of an electronic money transaction at a portable information terminal owned by a protected person who needs a predetermined protection, a suspicious transaction is not performed by checking the transaction contents. It is possible to protect the property of the protected person. In addition, the protected person can use the electronic money with confidence.
[Brief description of the drawings]
FIG. 1 is a diagram showing a system configuration of an electronic money system 100 according to a first embodiment of the present invention.
FIG. 2 is a block diagram showing an internal configuration of the home server 1 of FIG.
FIG. 3 is a view showing storage contents of a storage device 16;
FIG. 4 shows a data configuration example of the schedule management data 163c (FIG. 4A), a data configuration example of the set amount table 164c (FIG. 4B), and a data configuration example of the transaction history information 16d (FIG. FIG.
FIG. 5 is a block diagram showing the internal configuration of the PDA 2 of FIG. 1;
FIG. 6 is a diagram showing stored contents of a storage device 26;
FIG. 7 is a flowchart showing the overall processing of the home server 1.
FIG. 8 is a flowchart showing a schedule data reading process in step H2 of FIG. 7;
FIG. 9 is a flowchart showing transaction data reading processing in step H3 of FIG. 7;
FIG. 10 is a flowchart showing a transfer amount calculation process in step H4 of FIG. 7;
FIG. 11 is a flowchart showing a payment process executed by a PDA2 (slave PDA2) owned by members other than the head of the household K.
FIG. 12 is a flowchart showing an approval process performed by a PDA2 (master PDA2) owned by the head of the household K.
FIG. 13 is a view showing an approval screen displayed on the display unit 22 of the master PDA2.
FIG. 14 is a diagram showing a system configuration of an electronic money system 200 according to a second embodiment of the present invention.
FIG. 15 is a block diagram showing the internal configuration of the security center device 10 of FIG.
FIG. 16 is a view showing storage contents of a storage device 106;
FIG. 17 is a block diagram showing the internal configuration of the PDA 20 of FIG. 14;
FIG. 18 is a flowchart showing a store process executed by the store device 40 at the time of electronic money transaction in the PDA 20.
FIG. 19 is a flowchart showing a PDA process (FIG. (A)) executed by the PDA 20 at the time of electronic money transaction in the PDA 20, and a center process (FIG. (B)) executed by the security center device 10.
FIG. 20 is a view showing a trader data input screen displayed on the display unit 202 of the PDA 20.
[Explanation of symbols]
1 home server
11 CPU
12 Display
13 Input section
14 Transmission control unit
15 RAM
16 Storage device
16a Electronic money transfer amount determination program
16b Bank server transaction processing program
16c terminal management information
161c ID
162c Electronic money amount
163c Schedule management data
164c Set amount table
16d transaction history information
17 Bus
18 Connection I / F
2 PDA
21 CPU
22 Display
23 Input section
24 wireless communication control unit
25 RAM
26 Storage device
26a Electronic money amount data
26b schedule
26c Transaction history
27 I / O
28 bus
3 Bank server
10 Security center equipment
101 CPU
102 Display
103 Input section
104 Transmission control unit
105 RAM
106 storage device
106a Electronic money transfer amount determination program
106b Bank server transaction processing program
106c terminal management information
106d Transaction history information
107 bus
20 PDAs
201 CPU
202 Display
203 input section
204 wireless communication control unit
205 RAM
206 storage device
207 I / O
208 bus
30 Bank server
40 store equipment
100, 200 Electronic money system
C connection stand
N communication network

Claims (10)

An electronic money management system including a portable information terminal owned by each of members of a predetermined group, and a server including management means for managing electronic money transaction information by each of the portable information terminals,
The server comprises:
Reading means for reading schedule information of the owner of the portable information terminal from the portable information terminal connected to the server,
Determining means for determining the amount of electronic money to be provided to the portable information terminal based on the schedule information read by the reading means;
Transmitting means for transmitting the electronic money data of the amount determined by the determining means to the portable information terminal;
An electronic money management system comprising: The determining means determines the amount of the electronic money to be supplied to the portable information terminal connected to the server, the schedule information read by the reading means, and the electronic money transaction information of the entire predetermined group managed by the managing means. 2. The electronic money management system according to claim 1, wherein the electronic money management system is determined based on: The portable information terminal,
Comprising transaction history information storage means for storing transaction history information by electronic money,
The server comprises:
Acquiring means for acquiring transaction history information by electronic money from transaction history information storage means of the portable information terminal connected to the server;
Setting means for setting, for each transaction item, an amount of electronic money to be supplied to the portable information terminal connected to the server, based on the transaction history information obtained by the obtaining means,
The determining means determines the amount of electronic money to be provided to the portable information terminal based on the amount of electronic money for each transaction item set by the setting means and the schedule information read by the reading means. 3. The electronic money management system according to claim 1, wherein An electronic money management server comprising management means for managing electronic money transaction information by a portable information terminal owned by each of members of a predetermined group,
Reading means for reading schedule information of the owner of the portable information terminal from the portable information terminal connected to the server,
Determining means for determining the amount of electronic money to be provided to the portable information terminal based on the schedule information read by the reading means;
Transmitting means for transmitting the electronic money data of the amount determined by the determining means to the portable information terminal;
An electronic money management server comprising: The determining means converts the amount of electronic money to be supplied to the portable information terminal connected to a server into schedule information read by the reading means and electronic money transaction information of the entire predetermined group managed by the managing means. 5. The electronic money management server according to claim 4, wherein the electronic money management server is determined based on the information. Acquiring means for acquiring transaction history information by electronic money from a portable information terminal connected to the server;
Setting means for setting, for each transaction item, an amount of electronic money to be supplied to the portable information terminal connected to the server, based on the transaction history information obtained by the obtaining means,
The determining unit determines an electronic money amount to be supplied to the portable information terminal based on the electronic money amount for each transaction item set by the setting unit and the schedule information read by the reading unit. The electronic money management server according to claim 4 or 5, wherein An electronic money management method for managing electronic money transaction information by a portable information terminal owned by each of members of a predetermined group,
A reading step of reading schedule information of an owner of the portable information terminal from at least one portable information terminal among the portable information terminals;
A determining step of determining an amount of electronic money to be provided to the portable information terminal based on the schedule information read in the reading step;
A transmitting step of transmitting electronic money data of the amount determined by the determining step to the portable information terminal;
An electronic money management method comprising: An electronic money management system including a portable information terminal held by a protected person requiring predetermined protection and a management device that manages electronic money transactions by the portable information terminal held by the protected person,
The portable information terminal,
Transmission means for transmitting transaction information and store information at the store used by the protected person to the management device,
Processing means for performing processing necessary for the electronic money transaction according to a result of the transaction content check by the management device,
The management device,
Registered store storage means for storing information on stores registered as stores used by the protected person,
Receiving means for receiving the transaction information and the store information transmitted by the transmitting means of the portable information terminal;
Checking means for checking the transaction contents at the store used by the protected person based on the registered store information stored by the registered store storage means and the transaction information and the store information received by the receiving means,
Notifying means for notifying the portable information terminal of a check result by the checking means,
An electronic money management system comprising: The management device,
From the store information received by the receiving unit, a determination unit that determines whether the store actually used by the protected person is a registered store stored in the registered store storage unit,
If the determination unit determines that the store actually used by the protected person is not a registered store, the portable information terminal includes an inquiry unit for inquiring details of information on the store,
9. The electronic money management system according to claim 8, wherein the checking unit checks a transaction content at the store based on a result of the inquiry by the inquiry unit. An electronic money management method for managing electronic money transactions by a portable information terminal held by a protected person requiring predetermined protection,
A registered store storage step of storing information about stores registered as stores used by the protected person,
From the portable information terminal, a receiving step of receiving transaction information and store information at the store used by the protected person,
Based on the registered store information stored in the registered store storage step and the transaction information and store information received in the receiving step, a check step of checking the transaction content at the store used by the protected person,
A notification step of notifying the portable information terminal of a check result by the check step,
An electronic money management method comprising:

Images