JP2005317040A - Ic card, and electronic money receiving system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an IC card provided with an electronic money card function and an electronic money receiving system which can receive electronic money without any trouble even when the electronic money balance is less than the selling price of a desired article to be bought as to an IC card with an electronic money card function which has a credit card function in combination. <P>SOLUTION: Card information including the electronic money balance is outputted from the IC card 10 equipped with the electronic money card function and the credit card function to a POS terminal 2 in a store via a reader/writer 4. The POS terminal 2 requests a credit limit confirmation center 8 to confirm the credit line via a leased line 6 when the electronic money balance is less than the selling price of the desired article to be bought, receives electronic money when the credit line is confirmed to increase the electronic money balance of the IC card 10. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an IC card with an electronic money card function and an electronic money deposit system used mainly for cashless purchase of small-value products, and more particularly, an IC card with an electronic money card function and an electronic card having both a credit card function. It relates to money deposit system.

With the recent development of computers and communication networks along with recent financial liberalization, various payment means can be selected when purchasing goods and services (hereinafter abbreviated as “goods”) in stores. For example, debit cards and electronic money cards are actually used in addition to prepaid cards and credit cards that have been used conventionally.

  The prepaid card is used as, for example, a telephone card used on a public telephone, a highway card used on a toll road, or a boarding card such as a bus / railway. In the prepaid card, a monetary value corresponding to the cash paid for the card purchase is embedded as magnetic data or the like. Each time a product is purchased using a card, the balance is recorded as magnetic data and cannot be used when the balance reaches 0 (zero). Prepaid cards function in the same way as cash, so you can purchase cashless products without specifying the card user.

  Credit cards have a cashless product purchase function and a credit sales function that settles after a certain period of time. The cardholder presents a credit card to the store at the time of product purchase, and signs it if necessary, so that payment is postponed from the time of product purchase to a predetermined date. The store side presented with the card requests the credit card company to confirm the credit of the card by online communication or the like, and the card company notifies the store side of the credit confirmation result. As a result, credit risk on the store side can be avoided.

  The debit card is a cash card used for withdrawing bank deposits with a product purchase function added. It can be used within the framework of member financial institutions and merchants that handle debit cards. When you purchase a product, insert your cash card into the merchant's terminal and enter your PIN, and you will be connected to the member financial institution via a dedicated network (for example, CAFIS of NTT DATA) and join from the card user's deposit account. The settlement amount is transferred to the store's account and settled immediately.

  An electronic money card is a card used in an electronic money (digital cash) system that realizes money transactions using electronic technology. An IC card in which a storage device such as a semiconductor memory is embedded is used as the electronic money card. By depositing cash from a predetermined deposit machine, a monetary value corresponding to the deposit amount is stored as electronic data in the storage device of the IC card. Every time a product is purchased using a card, the balance is stored as electronic data in the storage device. When the balance reaches 0 (zero), it becomes unusable, but it is charged from the deposit machine again and filled with electronic money. Can be used repeatedly. Electronic money cards can also be viewed as reusable prepaid cards and function in the same way as cash, so cashless product purchases can be made without identifying the card user. Electronic money cards and prepaid cards are often used for small payments of several thousand to several tens of thousands of yen.

  In summary, it can be said that prepaid cards and electronic money cards are “prepaid”, whereas debit cards are “immediate payment” and credit cards are “postpay”. Prepaid cards and electronic money cards have a monetary value, but credit cards and debit cards do not have a monetary value. In addition, in the case of a prepaid card or an electronic money card, since the name of the card holder is usually not described, the user is not specified. However, in the case of a credit card or a debit card, the user described on the card is the user.

  In recent years, multi-function integrated cards that have multiple card functions have also appeared. For example, there are a multi-function integrated card having both an electronic money card function and a credit card function, and a multi-function integrated card having both an electronic money card function and a debit card function. These are generally realized by an IC card having an information processing device such as a microcomputer and a wireless communication function in addition to a storage device in the card.

  Since this IC card has a wireless communication function, it is possible to rewrite predetermined data and various data in a non-contact manner simply by holding the card over a data reading / writing device. For example, a user of a multi-function integrated IC card that has both an electronic money card function and a credit card function can make an immediate payment with an electronic money card when purchasing a small-value product, and at a later date with a credit card when purchasing a high-value product. Enjoy the benefits of using a single card to select payments.

  However, even if a multi-function integrated IC card with an electronic money function is attached, when the balance of electronic money decreases, it goes to a dedicated deposit machine installed in a limited place and deposits to fill the electronic money. Operation is required.

  For this reason, when purchasing merchandise at a store, if the electronic money balance stored in the multi-function integrated IC card is less than the sales amount of the item you wish to purchase, you can either pay the difference in cash or leave the store once We have to go through the procedure of searching for a deposit machine, depositing money, increasing the balance of electronic money, entering the store again, and purchasing goods with electronic money. In this way, paying the difference in cash does not give you the benefits of cashless, and in order to purchase a product that is not so expensive, you have to go to the dedicated deposit machine to process the deposit and then enter the store again. In the case of purchasing merchandise, it takes too much time and may hinder the expansion of commercial transactions using electronic money.

  For example, Japanese Patent Laid-Open No. 11-2559577 has the following disclosure. That is, in the case of a payment card having both a credit use function and an electronic wallet use function, one of the payment types is automatically selected from the card data for payment. Therefore, even if a shortage of balance occurs when payment is made with an electronic wallet, the payment type of the shortage amount of the balance can be automatically selected and settlement processing can be performed. However, this method has a problem that a credit card may be used to purchase a very small amount of product, and the product purchase procedure may become complicated.

  In recent years, it has become possible to purchase products not only in actual stores (real shops) but also in virtual stores (cyber shops) built on a communication network. Also in this virtual store, the multi-function integrated IC card having the above-described electronic money card function can be used, and therefore the same problem as the above-mentioned problem that occurs when using an electronic money card in an actual store may occur. . Even if there is a shortage of electronic money when purchasing goods at a virtual store, it is not necessary to go to a physically distant deposit machine as in the case of an actual store. However, the process of increasing the electronic money balance by leaving the virtual store and accessing the virtual deposit machine once installed in the virtual store district (Cyber Mall) and holding the multiple function integrated IC card over the reading / writing device at hand. After that, it takes time and effort to return to the virtual store.

  An object of the present invention is to provide an IC card with an electronic money card function and an electronic money deposit system capable of depositing electronic money without taking time and effort even when the electronic money balance at the time of purchasing the product is less than the sales amount of the desired product. There is to do.

  The purpose is to determine the size of the electronic money balance received from the IC card and the sales amount of the product desired to be purchased, and after the predetermined credit process if the electronic money balance is less than the sales amount. POS terminal for performing payment processing by adding a certain amount of money to the balance, card information including electronic money balance data, having a POS terminal for performing payment by electronic money, and other payment functions in addition to the electronic money card function If the electronic money balance at the time of purchasing the product is smaller than the sales amount of the product desired to be purchased, the electronic money received after the predetermined credit processing from the POS terminal An electronic money depositing system comprising an IC card having a control unit for updating the electronic money balance. That.

  The purpose of the invention is to determine whether the electronic money balance received from the IC card and the sales amount of the product desired to be purchased at the POS terminal that performs settlement with electronic money, If it is smaller than the sales amount, it is achieved by a POS terminal characterized by having a settlement means for performing a settlement process by adding a certain amount to the balance after a predetermined credit process.

  In the POS terminal of the present invention, the predetermined credit process is a process of transmitting a credit check request to a credit check server using a unique settlement number and determining whether or not credit is possible based on a credit result from the credit check server. It is characterized by including.

  In the POS terminal of the present invention, the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Alternatively, the predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. Features.

  The purpose is to store a card information including electronic money balance data and read / write in an IC card having an electronic money card function and another settlement function, and the electronic money balance at the time of purchasing the product is purchased. And a control unit that updates the electronic money balance with electronic money deposited after a predetermined credit process from a POS terminal in the store. Is done.

  A program for making a settlement with electronic money according to the present invention, wherein the computer determines whether the electronic money balance received from the IC card is larger or smaller than the sales amount of the product desired to be purchased, and the electronic money balance Is less than the above sales amount, after a predetermined credit process, it is made to function as a settlement means for performing a settlement process by adding a certain amount to the balance.

  In the settlement program of the present invention, the predetermined credit process transmits a credit confirmation request to a credit confirmation server using a unique settlement number, and determines whether or not credit is possible based on a credit result from the credit confirmation server. Including processing. Alternatively, the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Further alternatively, the predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. Features.

  The purpose of the invention is to determine whether the electronic money balance received from the IC card and the sales amount of the product are large or small in a payment method for performing payment with electronic money, and the electronic money balance is smaller than the sales amount. This is achieved by a settlement method characterized in that a settlement process is performed by adding a certain amount to the balance after the credit processing.

  In the settlement method of the present invention, the predetermined credit process is a process of transmitting a credit confirmation request to a credit confirmation server using a unique settlement number and determining whether or not credit is possible based on a credit result from the credit confirmation server. It is characterized by including. Alternatively, the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. Alternatively, the predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. Features.

  As described above, according to the present invention, even when the electronic money balance at the time of purchasing a product is smaller than the sales amount of the product desired to be purchased, it becomes possible to deposit the electronic money without taking time and effort.

[First Embodiment]
An IC card with an electronic money card function and an electronic money deposit system according to a first embodiment of the present invention will be described with reference to FIGS. First, a schematic configuration of the electronic money deposit system 1 according to the present embodiment will be described with reference to FIG. The electronic money depositing system 1 has a POS (point-of-sale information management) terminal 2 installed in a store that sells products. The POS terminal 2 can be connected to the credit confirmation center 8 via a dedicated communication line (dedicated line) 6. Connected to the POS terminal 2 is a read / write device 4 that reads and writes various data from a storage device in the multi-function integrated IC card 10.

  The POS terminal 2 collects various types of data for each sale of products, performs data inventory processing for each predetermined purpose, and manages product inventory, sales management, etc. A type reading device (both not shown), and a display device 24 and a printing device 26 for notifying customers of cautions and requests.

  The POS terminal 2 includes a control unit 20 that controls the entire apparatus and executes various arithmetic processes, and a storage device 22 that stores various data. The control unit 20 stores various data of the multi-function integrated IC card 10 input from the read / write device 4 in the storage device 22 and takes out predetermined data from the storage device 22 and performs calculations. In addition, a credit confirmation request is sent to the credit confirmation center 8 together with predetermined data for credit confirmation of a credit card attached to the multi-function integrated IC card 10 of the product purchase applicant.

  In response to the authentication confirmation request from the POS terminal 2, the credit confirmation center 8 accesses the authentication database installed in each credit card company to create credit approval / disapproval data, and displays the credit card credit confirmation result in the POS. It is sent to terminal 2. Each credit card company can also serve as the credit confirmation center 8.

  FIG. 2 shows a schematic configuration of a multi-function integrated IC card (hereinafter abbreviated as “integrated IC card” as appropriate) 10. The multi-function integrated IC card 10 of this embodiment has an electronic money card function and a credit card function. The multi-function integrated IC card 10 includes a storage device 12 formed of a semiconductor memory such as a flash EEPROM, a communication control unit 16 and an antenna 18 for communicating with the outside and transmitting / receiving data, and control for comprehensively controlling them. Part 14.

  When the multi-function integrated IC card 10 is held over the read / write device 4, electromagnetic wave data is transmitted and received between the antenna 18 of the multi-function integrated IC card 10 and an antenna (not shown) in the read / write device 4. It has become so.

  The storage device 12 in the integrated IC card 10 has “integrated display data” indicating that the card is integrated with a plurality of functions, and functions of both an electronic money card and a credit card. “Function type display data” is stored.

  The storage device 12 stores “electronic money balance R1”. Furthermore, the storage device 12 stores “acceptance data” indicating whether or not to accept automatic deposit under predetermined conditions so that the electronic money balance does not become negative when purchasing a product. Here, automatic depositing does not increase the balance of electronic money by depositing from a depositing machine, but in an integrated IC card by charging electronic money from a POS terminal 2 of a store where the product is purchased in a manner similar to overdraft. Increase the electronic money balance. “Accept data” is expressed by, for example, “0”, “3000”, “5000”, or “10000”, and “0” indicates that automatic payment is not accepted, and “3000”, “5000” ”Or“ 10000 ”accepts the automatic deposit and each number represents the deposited amount.

  The storage device 12 records information such as the date and time of use of the card, the place of use (for example, member store number), and the form of use (discrimination of whether to use electronic money or credit card) for the most recent multiple items. Usage log data, and payment log data in which information such as the date and time of payment and the place of payment (for example, the deposit machine number) are recorded for the most recent items are stored. Further, the storage device 12 stores a credit card number, which is a unique settlement number, an expiration date, and the like. Hereinafter, the information stored in the storage device 12 will be referred to as “card information” as a whole.

  The operation procedure in the electronic money deposit system 1 having the above configuration will be described with reference to FIGS. 1 and 2 and with reference to FIGS. First, a person who wants to purchase a product offers the store to purchase the desired product, and holds the integrated IC card 10 over the reading / writing device 4 (step S1).

  When the integrated IC card 10 approaches the reading / writing device 4, the card information is wirelessly transmitted via the antenna 18. The read / write device 4 receives the card information and outputs it to the POS terminal 2. The control unit 20 of the POS terminal 2 stores the card information in the storage device 22 and determines whether the card has an electronic money card function based on the function type display data in the card information. (Step S2).

  If the card does not have the electronic money card function, the operation of the electronic money deposit system 1 is terminated. If the card has the function of an electronic money card, the control unit 20 of the POS terminal 2 takes out the data of the electronic money balance R1 from the card information stored in the storage device 22 (step S3).

  The control unit 20 of the POS terminal 2 determines whether or not the taken-out electronic money balance R1 is smaller than the sale price of the product (purchase price as seen from the purchase applicant) S (step S4). If the electronic money balance R1 is equal to or greater than the sales amount S, the process proceeds to step S12, and (electronic money balance R1−sales amount S = subtraction balance R2) is calculated. The balance R2 is displayed on the display device 24 of the POS terminal 2 for balance confirmation.

  The control unit 20 of the POS terminal 2 rewrites the electronic money balance data in the card information in the storage device 22 to the balance R2 (step S13), and rewrites the latest data in the usage log to the current product purchase data. The card information in the storage device 22 is transmitted to the integrated IC card 10 via the read / write device 4 (step S14). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 and updates various data including the electronic money balance.

  The operation time in the above operation is at most several seconds at the latest. Therefore, the operation ends while the product purchase applicant is holding the integrated IC card 10 in step S1. If the operation becomes slow for some reason, a time-out process may be provided to prompt the user to hold the integrated IC card 10 over the reading / writing device 4 from the display device 24 of the POS terminal 2 again.

  Next, the case where it is determined in step S4 that the electronic money balance R1 is smaller than the sales amount S of the product will be described. In this case, the process proceeds to step S5, and the control unit 20 of the POS terminal 2 extracts the integrated display data from the card information in the storage device 22, and determines whether or not the card is an integrated card.

  If the card is not an integrated card, the operation of the electronic money deposit system 1 is terminated. If the card is an integrated card, the control unit 20 of the POS terminal 2 extracts the acceptance data from the card information stored in the storage device 22 and determines whether or not automatic payment is accepted (step). S6). When the acceptance data is “0” (that is, automatic deposit is not possible), the process proceeds to step S15, and “the balance of electronic money is insufficient but automatic deposit is not accepted. The message “Others need to be replenished” is displayed on the display device 24, and the operation of the electronic money deposit system 1 is terminated.

  If the acceptance data is other than “0” (that is, automatic deposit is possible), the process proceeds to step S7. For example, if the approval data is “5000”, it is determined in step S7 whether the sum of the electronic money balance R1 and the automatic deposit amount D = 5000 yen is smaller than the sales amount S.

  When the total of the purchased electronic money balance R1 and the automatic deposit amount D is equal to or greater than the sales amount S, the process proceeds to step S8, and the control unit 20 of the POS terminal 2 sends the credit confirmation center 8 via the dedicated line 6. Send a credit confirmation request.

  If the sum of the purchased electronic money balance R1 and the automatic deposit amount D is smaller than the sales amount S, the process proceeds to step S16, and a display for inquiring the product purchase applicant whether or not to continue the automatic deposit procedure is displayed at the POS terminal 2. The display device 24 is used. When it is not desired to continue the procedure, the operation of the electronic money deposit system 1 is terminated. When the procedure is continued, the process proceeds to step S8, and the control unit 20 of the POS terminal 2 confirms the credit via the dedicated line 6. A credit confirmation request is sent to the center 8.

  In the credit confirmation request, the control unit 20 of the POS terminal 2 transmits the credit card number, the expiration date, and the acceptance data, and also transmits the international security code input from the keypad by the user as necessary.

  The credit confirmation center 8 selects the credit card company that issued the card based on the received credit card number, and accesses the authentication database of the card company to create credit approval / rejection data. The created credit availability data is received by the POS terminal 2 (step S9).

  The control unit 20 of the POS terminal 2 that has received the credit approval / disapproval data proceeds to the determination of the credit limit (step S10). If it is determined that the credit is not accepted, the process is terminated and the commodity transaction is not established, Consult with the person who wants to purchase the product.

  If it is determined that the credit is accepted, the control unit 20 of the POS terminal 2 calculates (electronic money balance R1 + automatic deposit amount D = electronic money balance R3) and stores the electronic money balance R3 as electronic money balance data ( Step S11). Next, (electronic money balance R3−sales amount S = deduction balance R4) is calculated. The balance R4 is displayed on the display device 24 of the POS terminal 2 for checking the balance (step S12). At this time, if the process proceeds from step S16 to step S8, (electronic money balance R3 + “difference” −sales amount S = deduction balance R4 = so that the balance R4 becomes “0 (zero)”. 0) is calculated and a message indicating that “difference” needs to be compensated with cash or the like is displayed.

  When the electronic money balance is confirmed in step S12, the process proceeds to step S13, and the control unit 20 of the POS terminal 2 rewrites the electronic money balance in the card information in the storage device 22 to the deduction balance R4, and updates the usage log. After the data is rewritten with the current product purchase data, the card information in the storage device 22 is transmitted to the integrated IC card 10 via the read / write device 4 (step S14). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 and updates various data including the electronic money balance.

  FIG. 5 is a schematic diagram showing the transition of the electronic money balance stored in the storage device 12 in the integrated IC card 10 in the above operation. Prior to the automatic deposit process in step S11, the electronic money balance was “R1” (FIG. 5A), but as a result of the procedures in steps S11 to S14, the balance is “R4” ( FIG. 5B).

  The deposit amount of “5000 yen” deposited in the integrated IC card 10 by executing the subtraction process in step S13 is credit card number as credit sales of the electronic money card function and the multiple integrated IC card 10 having the credit card function. At the same time, billing information is transmitted from the POS terminal 2 to the credit card company. The credit card company performs payment by subtracting the merchant fee, and then charges the usage fee to the credit card holder.

  In step S14, if the integrated IC card 10 is not held over the read / write device 4, the display device 24 of the POS terminal 2 may prompt the user to hold the integrated IC card 10 again. .

  As described above, according to the present embodiment, automatic payment is made to a multi-function integrated IC card with an electronic money function, so even if the balance of electronic money is reduced, a dedicated payment machine is purposely sent. The operation of depositing and filling electronic money is unnecessary. Furthermore, since electronic money is filled, it is possible to continue shopping using electronic money without going to the deposit machine.

  For this reason, it is possible to enjoy the merit that it is possible to purchase goods safely without cash by reducing the shortage of the electronic money balance with cash. In addition, since there is no need to go to a dedicated deposit machine, it is possible to conduct a commercial transaction using electronic money without any hassle.

[Second Embodiment]
Next, an IC card with an electronic money card function and an electronic money deposit system according to a second embodiment of the present invention will be described. In the first embodiment, every time the automatic deposit process is performed, the credit confirmation center 8 is connected online to check the credit card credit. In the present embodiment, the credit confirmation center 8 performs regular or non-periodic confirmation. It is characterized in that the credit check is performed offline based on the credit list distributed to the customer.

  The schematic configuration of the electronic money deposit system 1 according to the present embodiment and the configuration of the integrated IC card 10 are the same as those shown in FIGS. 1 and 2 used in the first embodiment. However, the dedicated line 6 is not for credit confirmation by online connection, but for receiving a credit list that is distributed periodically. In the credit list, credit card numbers that are not allowed to be credited are listed. When receiving the credit list, the control unit 20 of the POS terminal 2 stores it in a predetermined area in the storage device 22.

  The operation procedure in the electronic money deposit system 1 according to the present embodiment omits steps S8 and S9 shown in FIG. 4 and directly moves from step S7 or S16 in FIG. 3 to step S10 to store in the storage device 22. The operation procedure is the same as that shown in FIG. 3 and FIG. 4 described in the first embodiment except that the credit judgment is performed based on the credit list.

  According to the present embodiment, in addition to the effect obtained in the first embodiment, even when the electronic money balance is smaller than the sales amount of the desired purchase item, it becomes possible to deposit the electronic money without taking time and effort. , Automatic payment processing can be completed in a shorter time, so that customer service can be improved.

[Third Embodiment]
Next, an IC card with an electronic money card function and an electronic money deposit system according to a third embodiment of the present invention will be described. In the first embodiment, every time an automatic deposit process is performed, the credit confirmation center 8 is connected online to confirm credit card credit. On the other hand, in the second embodiment, the credit confirmation is performed offline based on the credit list periodically distributed from the credit confirmation center 8. On the other hand, the present embodiment is characterized in that it is determined whether or not credit is permitted based on card information stored in the integrated IC card 10.

  The schematic configuration of the electronic money deposit system 1 according to the present embodiment and the configuration of the integrated IC card 10 are the same as those shown in FIGS. 1 and 2 used in the first embodiment. However, the dedicated line 6 is connected to the credit confirmation center 8 not for credit confirmation or credit list delivery but for other information communication. Therefore, in the present embodiment, the dedicated line 6 and the credit confirmation center 8 can be separated from the POS terminal 2.

  The operation procedure of the electronic money deposit system 1 according to this embodiment will be described with reference to FIGS. 3 and 4 and FIG. FIG. 6 shows an operation procedure in which steps S8 to S10 subsequent to step S7 or step S16 are replaced. Other operation steps are the same as the operation procedures of FIGS. 3 and 4 described in the first embodiment.

  First, when the process proceeds to the automatic deposit process through step S7 or step S16 in FIG. 3, in step S20 in FIG. 6, the control unit 20 of the POS terminal 2 stores the card of the integrated IC card 10 stored in the storage device 22. Use log data and payment log data are referred to from the information.

  The usage log data is used as credit availability data. As described above, the usage log data includes information such as the usage date and location of the card, and the usage pattern that distinguishes whether the card was used as an electronic money card or a credit card for the most recent items. Yes.

  The control unit 20 of the POS terminal 2 specifies the most recent use date and time when the use form indicates use as a credit card from the use log data. It is determined whether or not the usage date and time is closer to the current time than a preset reference date and time (for example, a time several weeks before the current time or a time several days before the current time) (step S21). Credit is granted if the date and time of use is closer to the current time than the standard date and time, and credit is not accepted if the date and time of use is closer to the current time than the date and time of use.

  The fact that the credit card usage history is left means that credit card credit was permitted at the time of use. Therefore, if the time of use is closer to the current time than the reference date and time, it is determined that the credit is likely to be accepted at the current time, and the credit is accepted. Judge that there is a high possibility that the credit will not be accepted, and do not accept the credit.

  If the credit is not approved in step S21, the processing is terminated and the product transaction is not established, or the product purchase applicant is consulted for payment in cash or other methods.

  If it is determined in step S21 that the credit is permitted, the control unit 20 of the POS terminal 2 next specifies the latest deposit date and information on the deposit location at that time from the deposit log data (step S22). This is because the use conditions of the automatic deposit system of the present embodiment do not permit automatic deposit processing to be performed continuously, and therefore it is necessary to specify whether or not the previous deposit was performed by automatic deposit. Because there is. Based on this, the control unit 20 of the POS terminal 2 determines whether or not the identified latest deposit place is a store (including a virtual store) (step S23).

  When the control unit 20 of the POS terminal 2 confirms that the deposit place is a store, the control unit 20 determines that the latest deposit process is an automatic deposit process from the store, and ends this process to make the commodity transaction unsuccessful. , Ask the person who wants to purchase the product by cash or other methods. If it is confirmed that the deposit place is not a store, the process proceeds to the automatic deposit process in step S11 of FIG. The subsequent processing procedure is the same as that shown in FIG.

  According to the present embodiment, in addition to the effect obtained in the first embodiment, even when the electronic money balance is smaller than the sales amount of the desired purchase item, it becomes possible to deposit the electronic money without taking time and effort. , Because credit confirmation by online connection and confirmation work using a credit list by offline distribution are not performed with the credit confirmation center 8, automatic payment processing can be completed in an extremely short time, and customer service can be further improved. it can. Further, there is an advantage that it is possible to save the trouble of constructing an online confirmation system for connecting to the credit confirmation center 8 by the dedicated line 6 and a system for distributing the credit list and to operate at a low cost.

[Fourth Embodiment]
An IC card with an electronic money card function and an electronic money deposit system according to a fourth embodiment of the present invention will be described with reference to FIGS. First, a schematic configuration of the electronic money deposit system according to the present embodiment will be described with reference to FIG. FIG. 7 shows a network configuration in the present embodiment. Constituent elements having the same functions / actions as the constituent elements described in the above embodiment are given the same reference numerals, and redundant descriptions are omitted. In the following description of the present embodiment, the settlement server is referred to as POS terminal 2 for convenience.

  As shown in FIG. 7, in the electronic money deposit system 1 according to the present embodiment, a POS terminal 2 of a virtual store connected to the communication network 32 and opened in a virtual store district, and a virtual installed in the virtual store district A depositing machine 34 and a communication terminal 30 of a merchandise purchaser who accesses the POS terminal 2 of the virtual store or the virtual depositing machine 34 and purchases a product with the integrated IC card 10 or updates the electronic money balance. Existing. Connected to the communication terminal 30 is a read / write device 4 that wirelessly communicates with the integrated IC card 10 to transmit and receive data.

  The communication network 32 is either a domestic or international value-added communication network (VAN) or a combination of them. There is a so-called Internet as a composite example of domestic and international value-added communication networks. In addition, for example, a communication network including a packet communication network used for data transfer with a mobile phone or the like and a digital public telephone line such as ISDN as a network component is included. Further, the communication network 32 of this embodiment includes a communication network in which a digital television broadcasting network (including both wired lines such as wireless or cable TV) and a public telephone line is linked. As described above, the communication network 32 of the present embodiment is a broad concept including any of these various forms of communication broadcasting networks and composites thereof.

  For example, when the communication network 32 is the Internet, a product purchase applicant connects a workstation or PC having an e-mail transmission / reception function and a browser function as a communication terminal to the communication network 32 via a dedicated line or a public line. The browser has a function of accessing a predetermined URL (Uniform Resource Locator) on the Internet and displaying a home page. A person who wants to purchase a product can access a virtual store on the Internet via a browser to acquire product information, or can send a purchase intention or credit card information.

  The virtual store also has a POS terminal 2 for processing various requests (requests) related to product purchases from product purchase applicants, providing product information to the product purchase applicants via the Internet, and product purchase applicants. Data for proceeding with the product purchase procedure can be transmitted to and received from. Further, the POS terminal 2 of the virtual store is connected to the credit confirmation center 8 via a dedicated line 6 that is distinguished from the communication network 32.

  Also, for example, when the communication network 32 is a network including a packet communication network, a person who wishes to purchase a product communicates via the packet communication network using a mobile phone having an e-mail transmission / reception function and a browser function. It is possible to connect to the center and connect to the Internet via a communication center to access a virtual store and purchase products.

  The operation procedure in the electronic money deposit system 1 having the above configuration will be described with reference to FIGS. 1 to 7 and further with reference to FIGS. A description will be given using an example in which a product purchase applicant operates the communication terminal 30 to connect to the POS terminal 2 of a virtual store providing a homepage for electronic commerce on the communication network 32 (assumed to be the Internet). FIG. 8 shows, in a time series, the procedure of electronic commerce at the communication terminal 30 of the product purchase applicant and the POS terminal 2 of the virtual store in the electronic money deposit system 1 according to the present embodiment. FIG. 9 shows a screen example of a virtual store home page displayed on the browser of the communication terminal 30 of the product purchaser in each operation procedure.

  First, the product purchase applicant displays a web browser on the communication terminal 30, inputs a predetermined URL addressed to the virtual store, and displays the top page 50 of the virtual store as shown in FIG. Next, the merchandise purchase applicant places a mouse pointer on the “product purchase site” button, for example, shown on the top page 50 and clicks it, and sends a display request for a product purchase screen (step S100).

  The POS terminal 2 that has received the display request for the product purchase screen displays the product purchase screen 52 as shown in FIG. 9 on the browser of the communication terminal 30 (step S102). When a product purchase applicant inputs a search keyword for a desired product from the product purchase screen 52 on the communication terminal 30, the POS terminal 2 searches the product database (not shown) based on the search keyword input by the product purchase applicant. The search result is displayed on the product purchase screen 52.

  When a product purchaser wishes to find a desired product on the product purchase screen 52 displayed on the browser of the communication terminal 30, he / she clicks “Purchase” on the product purchase screen 52 with a mouse pointer and clicks on the product purchase A request is transmitted (step S103).

  The POS terminal 2 of the virtual store that has received the merchandise purchase request transmits the data of the payment method selection screen 54 as shown in FIG. 9 for selecting the payment method and displays it on the browser of the communication terminal 30 (step S104). ). Here, when the commodity purchase applicant selects price settlement with electronic money, an electronic money settlement selection request is sent to the POS terminal 2 (step S105).

  Upon receipt of the electronic money settlement selection request, the POS terminal 2 transmits data on the input promotion screen 56 such as “Hold the card over the reading / writing device” as shown in FIG. 9 and displays it on the browser of the communication terminal 30. It is displayed (step S106).

  When a product purchaser wishes to hold the integrated IC card 10 over the reading / writing device 4, the card information of the integrated IC card 10 is transmitted from the reading / writing device 4 to the POS terminal 2 via the communication terminal 30 ( Step S107).

  When the card information of the integrated IC card 10 is transmitted to the POS terminal 2, in step S108, for example, the POS terminal 2 is similar to the procedure from step S2 in FIG. 3 to step S14 in FIG. 3 in the first embodiment. Perform automatic deposit processing. Since these operations are the same as those in the first embodiment, only a brief description will be given, and a specific processing operation via the communication network 32 will be described below.

  First, the control unit 20 of the POS terminal 2 stores the card information in the storage device 22 and determines whether or not the card has an electronic money card function based on the function type display data in the card information. Judgment is made (step S2 in FIG. 3). If the card does not have the electronic money card function, the process proceeds to a process such as displaying the payment method selection screen 54 again, and the operation of the electronic money deposit system 1 is terminated.

  If the card has an electronic money card function and the electronic money balance R1 of the card is equal to or greater than the sales amount S of the product, the POS terminal 2 is displayed on the browser of the communication terminal 30 as shown in FIG. The transaction establishment screen 58 is displayed, and the balance R2 for checking the electronic money balance is displayed.

  Almost in synchronization with the display of the transaction establishment screen 58, the control unit 20 of the POS terminal 2 sends card information in which the electronic money balance and usage log are updated to the communication terminal 30. The communication terminal 30 transmits to the integrated IC card 10 via the read / write device 4 (step S14 in FIG. 4). The control unit 14 of the integrated IC card 10 stores the received card information in the storage device 12 (step S108-1 in FIG. 8).

  The operation time in the above operation is within a few seconds at the latest, and therefore, the operation ends while the product purchase applicant is holding the integrated IC card. If the operation becomes slow for some reason, a timeout process may be provided to display on the browser of the communication terminal 30 to prompt the user to hold the integrated IC card 10 over the read / write device 4 again.

  Next, the case where it is determined in step S4 in FIG. 3 that the electronic money balance R1 is smaller than the sales amount S of the product will be described. First, if the card is not an integrated card, the operation of the electronic money depositing system 1 is terminated, the payment method selection screen 54 is displayed again on the browser of the communication terminal 30, and another payment method is selected. A message (not shown) that prompts this is displayed (step S108-2 in FIG. 8).

  If the card is an integrated card but the acceptance data is “0”, the payment method selection screen 54 is displayed again on the browser of the communication terminal 30 and “the electronic money balance is insufficient. The message “Automatic payment is not accepted” is displayed and the operation of the electronic money deposit system 1 is terminated (step S108-2). When the sum of the purchased electronic money balance R1 and the automatic deposit amount D is smaller than the sales amount S, a display for inquiring the product purchase applicant whether or not to continue the automatic deposit procedure is performed from the POS terminal 2. When it is not desired to continue the procedure, the operation of the electronic money deposit system 1 is terminated (step S108-2).

  If the automatic depositing process can be continued, the control unit 20 of the POS terminal 2 sends a credit confirmation request to the credit confirmation center 8 via the dedicated line 6 (step S109).

  The credit confirmation center 8 selects the credit card company that issued the card based on the received credit card number, and accesses the authentication database of the card company to create credit approval / rejection data. The created credit availability data is received by the POS terminal 2 (step S110).

  The control unit 20 of the POS terminal 2 that has received the credit permission data moves to the determination of whether or not to sell, and if it is determined that the credit is not accepted, the processing is terminated and the product transaction is not established or the payment is made by other methods. The transaction failure screen 60 shown in FIG. 9 is displayed on the browser and the product purchase applicant is consulted (step S111).

  If it is determined that the credit is permitted, the control unit 20 of the POS terminal 2 rewrites the electronic money balance in the card information in the storage device 22 with the balance R4, and rewrites the latest data in the usage log with the current product purchase data. Then, the card information in the storage device 22 is transmitted to the communication terminal 30 and input to the integrated IC card 10 via the read / write device 4. At the same time, the transaction establishment screen 58 shown in FIG. 9 is displayed on the browser, and the process is terminated (step S111).

  As described above, according to the present embodiment, automatic payment is made to a multi-function integrated IC card with an electronic money function. Therefore, even if the balance of electronic money is reduced, the virtual deposit machine 34 is purposely accessed. Thus, the operation of filling electronic money becomes unnecessary. For this reason, it becomes possible to conduct electronic commerce using electronic money that does not require much effort.

  The present invention is not limited to the above embodiment, and various modifications can be made. For example, in the above embodiment, the POS terminal 2 is arranged on the store side as a component of the electronic money deposit system 1, but the present invention is not limited to this. Of course, an electronic cash register without a POS function, a personal computer system, or the like may be used instead of the POS terminal 2 in the above embodiment.

  In the above embodiment, a non-contact type IC card is described as an example, but the present invention is not limited to this. Of course, the present invention can be applied to a combination of a contact type IC card with a magnetic stripe and a read / write device corresponding thereto.

  In the above embodiment, the approval data, which is one of the card information stored in the integrated IC card 10, is four types of “0”, “3000”, “5000”, and “10000”. Of course, other than that, it is possible to freely select and adopt the increase / decrease of the type and the automatic deposit amount. Further, only the shortage of the electronic money balance at the time of product purchase may be filled, or of course, a system in which the card user determines the automatic deposit amount on the spot at the time of automatic deposit may be used.

  Further, in the first and second embodiments, the continuous automatic depositing process is not particularly limited, but steps S22 and S23 in FIG. 6 are performed before step S11 in FIG. 4 as in the third embodiment. Of course, it is possible to limit the continuous automatic deposit processing by inserting it at an appropriate position. In the third embodiment, it is possible to omit steps S22 and S23 in FIG. 6 so as not to limit continuous automatic deposit processing.

  Moreover, in the said embodiment, you may make it collect the commission with respect to the said service from a user with respect to an automatic payment process. As a result, abuse of the automatic deposit process can be prevented and the risk on the service provider side can be reduced.

  In order to clarify the explanation, the electronic money deposit system of the present invention has been described by dividing it into four embodiments. However, the electronic money deposit system shown in these three embodiments can be operated independently. Of course, it is possible to integrate and operate each system.

  In the above embodiment, the multi-function integrated card having both the electronic money card function and the credit card function has been described as an example. However, the present invention is not limited to this. For example, the present invention can be similarly applied to a multi-function integrated card having both an electronic money card function and a debit card function. In this case, in the card information, instead of the credit card number and the expiration date data, the name of the financial institution, the account number, etc. can be used as information for credit confirmation. Therefore, the unique settlement number includes a credit card number and an account number of a financial institution.

  In the above description, the automatic deposit process by the POS terminal has been described as the function of the POS terminal. However, these are implemented as programs and installed on the POS terminal via a network or a recording medium such as a CD-ROM. Also good. In this case, the operation after installation is as described with reference to the first to fourth embodiments, and the description thereof is omitted.

1 is a diagram showing a schematic configuration of an electronic money deposit system 1 according to a first embodiment of the present invention. It is a figure which shows schematic structure of the multi-function integrated IC card 10 used with the electronic money deposit system 1 by the 1st Embodiment of this invention. It is a flowchart which shows the operation | movement procedure in the electronic money deposit system 1 by the 1st Embodiment of this invention. It is a flowchart which shows the operation | movement procedure in the electronic money deposit system 1 by the 1st Embodiment of this invention. It is a figure which shows the change of the electronic money balance in the multiple function integrated IC card 10 in the electronic money deposit system 1 by the 1st Embodiment of this invention. It is a flowchart which shows the operation | movement procedure in the electronic money deposit system 1 by the 3rd Embodiment of this invention. It is a figure which shows the schematic structure of the electronic money deposit system 1 by the 4th Embodiment of this invention. It is a figure which shows the procedure of the electronic commerce in the communication terminal 30 of the goods purchase applicant and the POS terminal 2 of a virtual store in time series in the electronic money deposit system 1 by the 4th Embodiment of this invention. It is a figure which shows the example of a screen of the homepage of the virtual store displayed on the browser of the communication terminal 30 of a goods purchase applicant in each operation | movement procedure of the electronic money deposit system 1 by the 4th Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money deposit system 2 POS terminal 4 Reading / writing apparatus 6 Dedicated line 8 Credit confirmation center 10 IC card 12 with two or more functions Integrated storage device 14 Control unit 16 Communication control unit 18 Antenna 20 Control unit 22 Storage device 24 Display device 26 Printing apparatus

Claims (22)

A determination means for determining the magnitude of the electronic money balance received from the IC card and the sales amount of the product desired to be purchased, and when the electronic money balance is less than the sales amount, a predetermined amount is obtained after a predetermined credit process. A POS terminal having a settlement means for performing settlement processing in addition to the balance, and performing settlement by electronic money;
Sales of products that have other payment functions in addition to the electronic money card function, store card information including electronic money balance data, can be read / written, and the electronic money balance at the time of product purchase is desired to purchase An IC card having a control unit that updates the electronic money balance with electronic money deposited after predetermined credit processing from the POS terminal if the amount is less than the amount;
An electronic money deposit system characterized by comprising: At a POS terminal that uses electronic money for payment:
Determining means for determining the magnitude of the electronic money balance received from the IC card and the sales amount of the product desired to be purchased;
A settlement means for performing a settlement process by adding a fixed amount to the balance after a predetermined credit process when the electronic money balance is less than the sales amount;
A POS terminal, characterized by comprising: In the POS terminal according to claim 2,
The predetermined credit process includes a process of transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and determining whether or not credit is possible based on a credit result from the credit confirmation server. POS terminal. In the POS terminal according to claim 3,
The POS terminal, wherein the unique settlement number is a credit card number. In the POS terminal according to claim 3,
The POS terminal, wherein the unique settlement number is an account number of a financial institution. In the POS terminal according to claim 2,
The POS terminal characterized in that the predetermined credit processing includes processing for determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. In the POS terminal according to claim 2,
The predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. POS terminal. For IC cards with other payment functions along with electronic money card functions:
A storage device for storing and reading / writing card information including electronic money balance data;
If the electronic money balance at the time of product purchase is less than the sales amount of the product you wish to purchase,
A control unit for updating the electronic money balance with electronic money deposited after a predetermined credit process from a POS terminal in the store;
An IC card characterized by comprising: The IC card according to claim 8,
The IC card according to claim 1, wherein the settlement function is a credit card function. The IC card according to claim 8,
The IC card according to claim 1, wherein the settlement function is a debit card function. A program for settlement with electronic money,
Computer
A judging means for judging the magnitude of the electronic money balance received from the IC card and the sales amount of the product desired to be purchased;
A settlement means for performing a settlement process by adding a certain amount to the balance after a predetermined credit process when the electronic money balance is less than the sales amount;
A payment program characterized by the functioning of The settlement program according to claim 11,
The predetermined credit process includes a process of transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and determining whether or not credit is possible based on a credit result from the credit confirmation server. Payment program. The settlement program according to claim 12,
The settlement program, wherein the unique settlement number is a credit card number. The settlement program according to claim 12,
The settlement program, wherein the unique settlement number is an account number of a financial institution. The settlement program according to claim 11,
The predetermined credit process includes a process of determining whether or not credit is permitted based on credit rejection data distributed from a credit confirmation server. The settlement program according to claim 11,
The predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. , Payment program. In a payment method that uses electronic money,
Determine the size of the electronic money balance received from the IC card and the sales amount of the product,
When the electronic money balance is smaller than the sales amount, after a predetermined credit processing, a settlement process is performed by adding a certain amount to the balance. The settlement method according to claim 17,
The predetermined credit process includes a process of transmitting a credit confirmation request to a credit confirmation server using a unique settlement number, and determining whether or not credit is possible based on a credit result from the credit confirmation server. Payment Method. The settlement method according to claim 18,
The settlement method according to claim 1, wherein the unique settlement number is a credit card number. The settlement method according to claim 18,
The settlement method, wherein the unique settlement number is an account number of a financial institution. The settlement method according to claim 17,
The settlement method, wherein the predetermined credit process includes a process of determining whether or not credit is possible based on credit rejection data distributed from a credit confirmation server. The settlement method according to claim 17,
The predetermined credit processing includes processing for extracting credit card usage log data stored in the IC card and determining whether the usage date is closer to the current time than a preset reference date. ,Payment Method.

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