JP2008181300A - Information processor, currency terminal, and information processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To quickly achieve settlement processing even when the balance of an electronic money card becomes insufficient. <P>SOLUTION: An electronic money card 6 (figure 1) is provided with a settlement function part 52 and a debt function part 62. The settlement function part 52 stores the balance of a value to be used for settlement processing, and the settlement function part 52 carries out settlement processing by subtracting a value balance. When the balance of the value becomes insufficient in the case of settlement by the settlement function part 52, a load function part 62 records a loan sum pertinent to the balance. Also, the debt function part 62 carries out fare adjustment processing when the payment of the debt is performed. A second type electronic money terminal 8 is able to perform access to the settlement function part 52 and the debt function part 62, and when the value balance becomes insufficient at settlement, records the insufficient sum in the electronic money card 6 as the debt sum for carrying out settlement. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an information processing apparatus, a money terminal, and an information processing method, and, for example, relates to an apparatus for distributing electronic money.

With the spread of electronic money in recent years, commercial transactions using electronic money have been actively conducted.
Commercial transactions using electronic money are carried out by manipulating electronic data having an exchange value equivalent to money called value and transferring value.

The value is electronic data representing a monetary amount, and is written as monetary information on an electronic money card incorporating an IC chip.
The store accesses the electronic money card from the electronic money terminal installed in the store, and settles by reducing the amount of value stored in the IC chip.
It is also possible to increase the amount of value stored in the IC chip by accessing the electronic money card from the electronic money terminal. The process of increasing the value is called charging.
In the case of charging, the money is collected from the user of the electronic money card so that the value and the currency are matched.

Stores that can be settled by value are called member stores. If the merchant is a retail store such as a convenience store, an electronic money terminal is used for payment at the accounting location, and the merchant is allowed to enter customers such as exhibition halls, concert halls, amusement parks, toll roads, railways, etc. In this case, an electronic money terminal is installed at the passing gate.
When an electronic money terminal is installed at the passing gate, the user performs settlement by holding the electronic money card over the electronic money terminal when passing.
For example, the passing gate includes a door, and when the value balance is insufficient at the time of payment, the door is closed to notify the user of the shortage of the balance.

As described above, as a technique for performing payment using the value stored in the electronic money card, for example, there is the following service providing method. This technology pays a price for a service using a value stored in advance in an IC card.
JP 2000-250994 A

If the balance stored in the electronic money card is less than the payment amount, the user needs to settle the difference.
In retail stores and the like, the person in charge handles the customer with an electronic money terminal, so even if a shortage of balance occurs in the electronic money card, a quick response can be made, and no particular problem occurs.
However, when making payments at a passing gate, etc., customers must pass through one after another quickly, and if the gate door closes due to a lack of electronic money balance, the customer's line will be disturbed. This has had an impact on customer convenience, such as inconvenience to customers who are tight in time.

  Therefore, an object of the present invention is to quickly perform a settlement process even when a balance shortage occurs in an electronic money card.

In order to achieve the above object, according to the present invention, in the invention described in claim 1, balance storage means for storing a balance of monetary value that can be used for settlement, debt amount storage means for storing a debt amount, An information processing apparatus that transmits balance change information for changing the balance and debt change information for changing the amount of the debt to a money terminal comprising: Payment amount acquisition means for acquiring a payment amount for payment at a money terminal; balance acquisition means for acquiring a balance stored in a balance storage means from the money terminal; and the acquired payment amount is equal to or less than the acquired balance. The balance change information for deducting the payment amount from the stored balance is sent to the money terminal, and if the acquired payment amount is larger than the acquired balance, the total amount of the stored balance Information processing means comprising: change information transmitting means for transmitting balance change information to be reduced, and debt change information for increasing the difference between the settlement amount and the balance as a debt amount to the money terminal. Providing equipment.
According to a second aspect of the present invention, there is provided the information processing apparatus according to the first aspect, further comprising a debt amount acquisition unit that acquires the debt amount stored in the debt amount storage unit from the money terminal. provide.
In a third aspect of the present invention, a predetermined upper limit is defined for the debt amount stored by the debt amount storage means, and the change information transmission means includes the acquired balance, the acquired liability amount, The information according to claim 2, wherein the balance change information and the debt change information are not transmitted when the acquired settlement amount is larger than a total amount of the difference from the upper limit amount. A processing device is provided.
The invention according to claim 4 further comprises an increase amount acquisition means for acquiring an increase amount for increasing the monetary value stored in the money terminal, wherein the change information transmission means is stored in the debt amount storage means from the increase amount. The balance change information for increasing the amount obtained by subtracting the stored amount of debt and the debt change information for reducing the amount of deduction are transmitted to the money terminal. The information processing apparatus described in 1. is provided.
In the invention according to claim 5, with respect to a money terminal comprising balance storage means for storing a balance of money value that can be used for settlement, and debt amount storage means for storing a debt amount, the money terminal Is an information processing apparatus for transmitting balance change information for changing the balance and debt change information for changing the liability amount, and an increase amount for increasing the monetary value stored in the money terminal An amount-of-increased acquisition means for acquiring the amount of debt stored in the amount-of-money storage means from the money terminal, and an amount obtained by deducting the amount of acquired debt from the amount of increased amount acquired. Provided is an information processing device comprising: balance change information to be increased; debt change information to reduce the deducted amount; and change information transmitting means for transmitting to the money terminal. .
The invention according to claim 6 is a money terminal that can be settled by reducing the stored money value balance and increasing the stored liability amount, and storing the money value balance as electronic data. Balance storage means for receiving, balance change information receiving means for receiving balance change information from the information processing device, balance change means for changing the stored balance using the received balance change information, and debt amount as electronic data A debt amount storage means for storing; a debt change information receiving means for receiving debt change information from the information processing apparatus; and a debt change means for changing the stored debt amount using the received debt change information. A money terminal is provided.
In the invention according to claim 7, with respect to a money terminal comprising balance storage means for storing a balance of money value that can be used for settlement, and debt amount storage means for storing a debt amount, the money terminal Is an information processing method performed by an information processing apparatus that transmits balance change information for changing the balance and debt change information for changing the debt amount, wherein the information processing apparatus An acquisition unit, a balance acquisition unit, and a change information transmission unit, wherein the payment amount acquisition unit acquires a payment amount to be settled at the money terminal; and the balance acquisition unit includes the money amount The balance acquisition step of acquiring the balance stored in the balance storage means from the terminal, and the change information transmission means when the acquired payment amount is less than or equal to the acquired balance, Balance change information for reducing the settlement amount from the money terminal, and when the acquired settlement amount is larger than the acquired balance, the balance change information for reducing the total amount of the stored balance, and the settlement There is provided an information processing method comprising: a change information transmitting step for transmitting to a money terminal, debt change information for increasing a difference between an amount of money and the balance as a debt amount.

  According to the present invention, it is possible to quickly perform settlement processing even when a shortage of balance occurs in the electronic money card by lending the shortage when the balance is short.

(1) Outline of Embodiment The electronic money card 6 (FIG. 1) includes a settlement function unit 52 and a debt function unit 62.
The settlement function unit 52 stores the balance of the value used for the settlement process, and the settlement function unit 52 performs the settlement process by reducing the value balance.
The debt function unit 62 records the loan amount corresponding to the difference when the value balance is deficient in the settlement function unit 52 during settlement. Further, the debt function unit 62 performs a settlement process when the debt is repaid.

On the other hand, the electronic money terminal that accesses and settles the electronic money card 6 includes a first type electronic money terminal 9 installed at a retail store and a second type electronic money terminal 8 installed at a passing gate. To do.
The first type electronic money terminal 9 can access only the payment function unit 52, and when the value balance is insufficient at the time of payment, the payment processing is stopped.

On the other hand, the second type electronic money terminal 8 can access the settlement function unit 52 and the debt function unit 62, and when the value balance is insufficient at the time of settlement, the shortage amount is stored in the electronic money card 6 as a debt amount. Record and make payment.
As described above, even if the value balance of the electronic money card 6 is insufficient, the second type electronic money terminal 8 can make a settlement by giving credit to the user for the time being, and can prevent the user's movement from being delayed. .

On the other hand, regarding the charge, the second type electronic money terminal 8 can access the settlement function unit 52 and the debt function unit 62, and when the debt amount is stored in the debt function unit 62 (that is, the user has a liability). ), First, the debt amount of the debt function unit 62 is settled, and then the amount obtained by subtracting the debt amount from the charge amount is charged to the settlement function unit 52.
Regarding the function of charging the first type electronic money terminal 9, it is possible to have a function of accessing the debt function unit 62 or no function of accessing the debt function unit 62. It is also possible to configure as described above.

(2) Details of Embodiment FIG. 2 is a diagram for explaining the system configuration of the present embodiment.
The electronic money system 1 of the present embodiment is configured using an electronic money server 2, a first type electronic money terminal 9, a second type electronic money terminal 8, an electronic money card 6, and the like.
The first type electronic money terminal 9 is installed, for example, in a member store that does not necessarily require rapid response to the shortage of the balance of the electronic money card 6 such as a retail store.
The first type electronic money terminal 9 can be connected to the electronic money server 2 via a network. For example, the usage log data in which the processing content with the electronic money card 6 is recorded once a day is stored in the electronic money server 2. Send to.

The second type electronic money terminal 8 is installed at a member store that requires quick response to the shortage of the balance of the electronic money card 6 such as a passing gate of a concert venue, for example.
The second type electronic money terminal 8 can be connected to the electronic money server 2 via a network. For example, the usage log data in which processing contents with the electronic money card 6 are recorded about once a day is used as the electronic money server 2. Send to. Although only one retail store and one venue are shown in the figure, there are a plurality of such stores.
In the following, the first type electronic money terminal 9 and the second type electronic money terminal 8 are simply referred to as electronic money terminals unless otherwise distinguished.

FIG. 3 is a block diagram showing an example of a hardware configuration of the electronic money card 6.
The electronic money card 6 includes a CPU (Central Processing Unit) 21, a high frequency circuit 22, an antenna 26, a ROM (Read Only Memory) 23, a RAM (Random Access Memory) 24, an EEPROM (Electrically Erasable and Programmable ROM) 25, and the like. ing.
These elements are formed on an IC chip. However, the antenna 26 is constituted by an aerial line extending around an elliptical curve around the outer edge of the electronic money card 6 or on the diagonal line of the electronic money card 6, and the end is connected to the IC chip. .

The CPU 21 is a central processing unit that performs information processing according to various programs stored in the ROM 23 and the EEPROM 25.
Further, the CPU 21 can perform short-range wireless communication with the electronic money terminal via the antenna 26 and the high-frequency circuit 22.

The antenna 26 is an antenna for performing short-distance wireless communication with an antenna built in the reader / writer of the electronic money terminal.
The antenna 26 generates power for driving the IC chip by radio waves from the reader / writer.

  The high frequency circuit 22 converts the high frequency transmitted from the reader / writer to the antenna 26 into a digital signal and outputs it to the CPU 21. Conversely, the high frequency circuit 22 converts the digital signal output from the CPU 21 into a high frequency and sends it out from the antenna 26 to the reader / writer. To do.

The RAM 24 is a readable / writable memory that provides a working memory when the CPU 21 performs information processing.
The RAM 24 can hold the stored content while power is being supplied to the electronic money card 6, but the stored content is lost when the supply of power is stopped.
The ROM 23 is a read-only memory that stores basic programs, parameters, data, and the like for causing the electronic money card 6 to function.

The EEPROM 25 is a ROM capable of writing and erasing information. Information stored in the EEPROM 25 is maintained even when power is not supplied to the electronic money card 6.
In the EEPROM 25, a settlement area 51 and a debt area 61 are formed.
In the settlement area 51, a value processing program for causing the electronic money card 6 to perform a settlement processing function based on value, and a value storage unit 55 that stores a settlement function unit ID (described later), a value balance, and the like are formed.

  In the liability area 61, a liability amount processing program for causing the electronic money card 6 to perform a function of processing a liability amount, and a liability storage unit 65 storing a liability function unit ID (described later) and a liability amount are formed. Yes.

Here, the value and liability amount can be accompanied by an attribute that identifies the asset management entity, etc., and the asset management entity of the value and the asset management entity of the liability amount can be the same entity, or different businesses. It can also be a body.
When another asset management entity manages the value and liability amount, for example, the asset management entity for value is Company A, the asset management entity for liability amount is Company B, and Company B rebuilds the amount of liability amount to Company A. In addition, when the debt is repaid by the user, the company A can pay interest to the company B and pay to the company B.
In this business form, company B bears the risk of loan collapse, and company A pays company B for the burden fee.

When processing the value balance, the electronic money terminal transmits a command to the CPU 21 to start the value processing program, and when processing the debt amount, the electronic money terminal transmits a command to the CPU 21 to start the debt amount processing program. It has become.
In the present embodiment, the electronic money card 6 is configured by a non-contact type IC card, but the electronic money card 6 may be configured by using a contact type IC card.

FIG. 4 is a diagram schematically showing a place where the settlement function unit 52 and the debt function unit 62 are formed on the electronic money card 6.
The settlement function unit 52 is formed by the CPU 21 executing the value processing program by a command from the electronic money terminal, and the debt function unit 62 is formed by the CPU 21 executing the debt amount processing program by a command from the electronic money terminal. It is formed.
In the present embodiment, the CPU 21 alternatively executes the value processing program and the debt amount processing program in response to a command from the electronic money terminal, but may be configured to execute these simultaneously.

First, the settlement function unit 52 will be described.
The settlement function unit 52 includes a terminal communication unit 53, a value processing unit 54, a value storage unit 55, and the like.
As described above, the value storage unit 55 is formed in the settlement area 51 (FIG. 3) of the EEPROM 25, and stores a settlement function unit ID, a value balance, and the like.

The payment function unit ID is ID information uniquely assigned to the payment function unit 52, whereby the electronic money system 1 can specify the electronic money card 6 and the payment function unit 52.
The value balance is the amount of the value stored in the settlement function unit 52, and the settlement function unit 52 has a settlement capability corresponding to this balance.
Usually, the electronic money card 6 is issued to the user with a value balance of 0 yen, and the user pays the price and charges the electronic money terminal at the electronic money terminal.
As described above, the value storage unit 55 functions as a balance storage unit that stores a balance of monetary values that can be used for settlement.

The terminal communication unit 53 is a functional unit that mediates communication between the electronic money terminal and the value processing unit 54. The terminal communication unit 53 receives various commands from the reader / writer unit of the electronic money terminal and inputs them to the value processing unit 54. The information output from the processing unit 54 is transmitted to the reader / writer unit.
The value processing unit 54 is an information processing unit that executes a command transmitted from an electronic money terminal.
The commands include amount change information, ID reference command, amount reference command and the like.

The amount change information is a command to increase / decrease the value balance stored in the value storage unit 55 by the amount specified in the amount change information in the value processing unit 54, and functions as balance change information. The value processing unit 54 has a function as balance changing means for changing the balance.
The amount change information is also used as a command to increase or decrease the liability amount for the liability function unit 62. In this case, the amount change information functions as the liability change information.

The amount change information can be constituted by, for example, an addition command, a subtraction command, an overwrite command, etc. described below.
The addition command is a command for causing the value processing unit 54 to increase the value balance stored in the value storage unit 55 by an amount specified by a parameter accompanying the addition command.
On the other hand, the subtraction command is a command that causes the value processing unit 54 to reduce the amount stored in the value storage unit 55 by the amount specified by the parameter accompanying the subtraction command.

  For example, when the value balance stored in the value storage unit 55 is 5000 yen and the settlement amount is 1000 yen, the electronic money terminal generates a subtraction command for reducing 1000 yen and transmits it to the terminal communication unit 53. Then, the value processing unit 54 executes this subtraction command to update the value balance stored in the value storage unit 55 to 5000 yen-1000 yen = 4000 yen.

The overwrite command is a command for causing the value processing unit 54 to overwrite the amount stored in the value storage unit 55 with the amount specified by the parameter accompanying the overwrite command.
When using the overwrite command as the amount change information, the electronic money terminal calculates the value balance after addition / subtraction, and causes the value processing unit 54 to overwrite the value balance in the value storage unit 55 with this amount.

For example, consider a case where the value balance stored in the value storage unit 55 is 5000 yen and the settlement amount is 1000 yen.
The electronic money terminal reads the current value balance of 5000 yen from the electronic money card 6 and calculates a balance of 5000 yen-1000 yen = 4000 yen after settlement. Then, the electronic money terminal generates an overwrite command for overwriting the value balance to 4000 yen and transmits it to the terminal communication unit 53. Then, the value processing unit 54 executes this overwrite command, and updates the value balance stored in the value storage unit 55 to 4000 yen.

The electronic money terminal may be configured to use the addition / subtraction command described above, or may be configured to use an overwrite command.
Alternatively, an addition / subtraction command and an overwrite command can be combined.
For example, an addition command can be used for charging, an overwrite command can be used for settlement, or an overwrite command can be used for charging, and a subtraction command can be used for settlement.

The ID reference command is a command for causing the value processing unit 54 to read the settlement function unit ID. When the ID reference command is input, the value processing unit 54 reads the settlement function unit ID from the value storage unit 55 and outputs the settlement function unit ID. To do.
The amount reference command is a command for causing the value processing unit 54 to read the value balance, and when the amount reference command is input, the value processing unit 54 reads the value balance from the value storage unit 55 and outputs the value balance.

Next, the debt function unit 62 will be described.
The debt function unit 62 includes a terminal communication unit 63, a debt amount processing unit 64, a debt storage unit 65, and the like.
The debt storage unit 65 is formed in the debt area 61 (FIG. 3) of the EEPROM 25, and stores a debt function unit ID, a debt amount, and the like.

The debt function unit ID is ID information uniquely assigned to the debt function unit 62, whereby the electronic money system 1 can identify the electronic money card 6 and the debt function unit 62.
The debt amount is the amount of the debt stored in the debt function unit 62, and the user bears the debt by this amount.
Normally, when the electronic money card 6 is issued to the user with a debt amount of 0 yen and the value balance is insufficient at the time of settlement, the electronic money terminal stores the shortage amount in the liability storage unit 65 as the debt amount.
As described above, the debt storage unit 65 functions as a debt amount storage unit that stores a debt amount as electronic data.

The terminal communication unit 63 is a functional unit that mediates communication between the electronic money terminal and the debt amount processing unit 64. The terminal communication unit 63 receives various commands from the reader / writer unit of the electronic money terminal and inputs them to the debt amount processing unit 64. The information output from the debt amount processing unit 64 is transmitted to the reader / writer unit.
The debt amount processing unit 64 is an information processing unit that executes a command transmitted from an electronic money terminal.
The command executed by the debt amount processing unit 64 is the same as the command executed by the value processing unit 54, and includes amount change information, an ID reference command, an amount reference command, and the like.

The liability amount processing unit 64 uses the amount change information to increase or decrease the liability amount stored in the liability storage unit 65 by the amount specified by the amount change information.
As a result, the electronic money terminal increases the debt amount by the shortage of the balance using the amount change information when incurring the liability to the user, and reduces the liability amount using the amount change information when the liability is settled. To do.
Thus, the debt amount processing unit 64 has a function as a debt changing unit.

Further, when the ID reference command is input, the debt amount processing unit 64 reads and outputs the debt function unit ID from the liability storage unit 65, and when the amount reference command is input, the debt amount processing unit 64 receives the debt amount from the liability storage unit 65. Read and output.
The debt amount stored in the debt storage unit 65 has an upper limit (that is, a credit limit), and the electronic money terminal increases the debt amount to the debt function unit 62 until the upper limit is reached. Can be made.

As described above, the settlement function unit 52 and the liability function unit 62 have the same operation in that the amount information (value balance in the settlement function unit 52 and debt amount in the debt function unit 62) is stored and increased or decreased. In addition, since the operation is the same in that the balance of the amount information and the ID information are referred to, the command for operating the settlement function unit 52 and the debt function unit 62 is common in the present embodiment.
Note that the command for the settlement function unit 52 and the command for the debt function unit 62 may be configured differently.

In the present embodiment, the electronic money terminal manages the value balance and the debt amount stored in the value storage unit 55 and the liability storage unit 65 so as not to exceed the upper limit value. It can also be configured to perform such management.
That is, when the electronic money terminal manages the upper limit value, the electronic money terminal determines whether or not the value balance and the debt amount of the electronic money card 6 exceed the upper limit value, and issues an alarm if the upper limit value is exceeded. However, when the electronic money card 6 manages, if the value balance or the amount of debt exceeds the upper limit value, the electronic money card 6 issues an alarm to the electronic money terminal to stop the processing.
As described above, the IC chip built in the electronic money card 6 functions as a currency terminal including balance storage means and debt amount storage means.

FIG. 5 is a diagram showing an example of a hardware configuration of the second type electronic money terminal 8.
The second type electronic money terminal 8 is configured by connecting a CPU 31, a ROM 33, a RAM 34, a communication control unit 35, a storage unit 36, an input unit 37, an output unit 38, a reader / writer unit 39, etc. via a bus line. It functions as a change information transmission device.

In addition to performing information processing according to a predetermined program, the CPU 31 controls the second type electronic money terminal 8 as a whole.
In the present embodiment, when the payment amount is equal to or less than the value balance, the CPU 31 performs a payment process using the value, and the payment amount is larger than the value balance and can be recorded as a value balance and a liability (the upper limit value of the liability amount). The total amount of the value balance and the amount of the liability are used for settlement processing, and the amount of the settlement is determined as the value balance and the liability. If it is larger than the total value that can be recorded, the settlement process is stopped.

Further, when charging the electronic money card 6, the CPU 31 first causes the electronic money card 6 to perform a settlement process for the debt amount, and then increases the value balance.
That is, when charging the electronic money card 6, the CPU 31 preferentially assigns the amount to be charged to the debt repayment of the debt function unit 62.

The ROM 33 is a read-only memory that stores basic programs and parameters for operating the second type electronic money terminal 8.
The RAM 34 is a readable / writable memory that provides a working memory for the CPU 31 or loads and stores a program or data stored in the storage unit 36.

The communication control unit 35 is a connection device that connects the second type electronic money terminal 8 to the electronic money server 2 via a network.
The second type electronic money terminal 8 transmits usage log data to the electronic money server 2 via the communication control unit 35.
The storage unit 36 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 42 that stores various programs, a data storage unit 44 that stores data, and the like. .

In the program storage unit 42, an OS, which is a basic program for causing the second-type electronic money terminal 8 to function, and the electronic money card 6 are accessed for settlement and charging, and usage log data is stored in the electronic money server. 2 and the like are stored.
The data storage unit 44 stores an upper limit value of the debt amount and usage log data that is a transaction history with the electronic money card 6. This usage log data is transmitted to the electronic money server 2 by batch processing.

The input unit 37 is connected to an interface with a peripheral device such as a control device for a passage gate, and receives an input from the peripheral device.
The output unit 38 is connected to an interface with a peripheral device such as a control device for a pass gate, and notifies the peripheral device of the completion of payment, for example.
The second type electronic money terminal 8 communicates with the control device of the pass gate via the input unit 37 and the output unit 38 and can operate integrally with the pass gate.
The reader / writer unit 39 performs wireless communication with the settlement function unit 52 and the debt function unit 62 of the electronic money card 6.

While the hardware configuration of the second type electronic money terminal 8 has been described above, the hardware configuration of the first type electronic money terminal 9 is the same as that of the second type electronic money terminal 8.
The first type electronic money terminal 9 is partially functionally different from the second type electronic money terminal 8 in that the debt function unit 62 is not used for settlement. This difference is due to the program stored in the program storage unit 42.
Regarding charging, the first type electronic money terminal 9 can be configured to use the debt function unit 62 or can be configured not to use the debt function unit 62. is there.

Next, another form of the electronic money card 6 will be described.
With the recent increase in mobile phone users, an IC chip similar to the IC chip embedded in the electronic money card 6 is incorporated into the mobile phone, and the mobile phone is used in the same manner as the electronic money card 6.
An IC chip incorporated in a mobile phone can be used in the same manner as the electronic money card 6 by forming a settlement area and a debt area.

FIG. 6 is a conceptual diagram showing an example of a functional configuration of a mobile phone incorporating such an IC chip.
The mobile phone 7 includes a telephone function unit 10 and an IC chip 12, and both are connected by an interface unit 11.
The IC chip 12 is an IC chip similar to the IC chip incorporated in the electronic money card 6, and can realize both functions of the payment function unit 52 and the debt function unit 62.

In addition to having a call function, the telephone function unit 10 includes a CPU and a storage unit that stores various application programs. The electronic money application unit 15 can be formed by executing the application program on the CPU.
The electronic money application unit 15 can access both the electronic money server 2 and the IC chip 12 and can mediate communication between the electronic money server 2 and the IC chip 12.
For this reason, the mobile phone 7 can receive the money amount change information and various commands from the electronic money server 2 and input them to the IC chip 12 to cause the IC chip 12 to perform various functions such as charging and settlement.

  Further, the electronic money application unit 15 displays the value balance and the debt amount stored in the IC chip 12 on the display of the mobile phone 7 or reads the settlement function unit ID and the debt function unit ID from the IC chip 12. It can also display various functions for users such as displaying on the display.

The IC chip 12 is connected to the electronic money application unit 15 by the interface unit 11.
In the IC chip 12, as with the electronic money card 6, the CPU executes a value processing program and a debt amount processing program stored in the EEPROM in the IC chip, so that the settlement function unit 52, the debt function unit 62, etc. Is formed. These functions are the same as those of the electronic money card 6 of FIG.

As with the electronic money card 6, the mobile phone 7 configured as described above can be settled with a value balance or the like by being brought close to the reader / writer of the electronic money terminal.
That is, in the case of the first type electronic money terminal 9, payment can be made with the value balance, and in the case of the second type electronic money terminal 8, payment can be made with the value balance and the debt amount.
When the electronic money terminal 8 is charged, the amount to be charged is preferentially assigned to the settlement of the debt amount.
In addition, when charging is performed at the first type electronic money terminal 9, when the first type electronic money terminal 9 has a function of accessing the debt function unit 62, the debt amount is the same as that of the second type electronic money terminal 8. When the charge is performed after the settlement is preferentially performed and the function of accessing the debt function unit 62 is not provided, the charge is performed without performing the settlement process.

In addition, the mobile phone 7 can communicate with the electronic money server 2 to perform settlement and charging, but the electronic money server 2 performs settlement and charging in the same manner as the first type electronic money terminal 9.
The electronic money server 2 may be configured to perform settlement and charging in the same manner as the second type electronic money terminal 8.

Next, a procedure in which the electronic money card 6 configured as described above performs a payment process together with the second type electronic money terminal 8 will be described.
FIG. 7 is a flowchart for explaining a procedure for the electronic money card 6 and the second type electronic money terminal 8 to perform a payment process.
The following processing is performed by the CPU 21 of the electronic money card 6 and the CPU 31 of the second type electronic money terminal 8 according to a predetermined program.

  First, the second type electronic money terminal 8 accepts a settlement request together with the amount to be settled from a peripheral device or the like (payment amount acquisition means) (step 5). This is because, for example, when the second type electronic money terminal 8 is installed at the passage gate, the passage gate sensor detects the passage of the user, and the control device of the passage gate controls the second type electronic money terminal 8. This is done by requesting to settle a predetermined amount of value.

Next, the user brings the electronic money card 6 close to the reader / writer unit 39 of the second type electronic money terminal 8, and the second type electronic money terminal 8 detects this and starts a settlement process.
First, the second type electronic money terminal 8 activates the payment function unit 52 in the electronic money card 6, and then transmits an amount reference command to the payment function unit 52, and sends the current value balance to the payment function unit 52. Request transmission (step 10).
The settlement function unit 52 receives and executes the money amount reference command, reads the value balance from the value storage unit 55, and transmits it to the second type electronic money terminal 8 (step 15).

The second type electronic money terminal 8 receives the value balance from the payment function unit 52 (balance acquisition means), compares this with the payment amount, and determines whether or not payment is possible with the value balance (step 20).
If the payment amount is less than or equal to the value balance, the second type electronic money terminal 8 determines that payment can be made with the value balance (step 20; Y), and performs payment processing with the value balance (step 40).

If the payment amount is larger than the value balance, the second type electronic money terminal 8 determines that payment using the value balance is impossible (step 20; N).
In this case, the second type electronic money terminal 8 activates the debt function unit 62 in the electronic money card 6, and then transmits an amount reference command to the debt function unit 62, and transmits the debt amount to the debt function unit 62. Is requested (step 25).
The liability amount processing unit 64 receives the amount reference command from the second type electronic money terminal 8 and executes it, reads the debt amount from the liability storage unit 65, and transmits it to the second type electronic money terminal 8 (step 30). ).

The second type electronic money terminal 8 receives the debt amount from the debt function unit 62 (liability amount acquisition means), and calculates the possible liability amount by subtracting the debt amount from the upper limit value of the debt amount.
Then, the second type electronic money terminal 8 compares the total value of the value balance and the possible liability amount and the settlement amount, and determines whether settlement is possible with the total value of the value balance and the possible liability amount (step 35).
If the payment amount is equal to or less than the sum of the value balance and the liability possible amount, the second type electronic money terminal 8 determines that payment can be made with the value balance and the liability possible amount (step 35; Y). Settlement processing by amount is performed (step 40).

When the settlement amount is larger than the total value of the value balance and the possible liability amount, the second type electronic money terminal 8 determines that settlement based on the total value of the value balance and the possible liability amount is impossible (step 35; N ), Stop the payment process by issuing an alarm.
As described above, the predetermined upper limit amount is prescribed by the second type electronic money terminal 8 for the debt amount stored in the debt storage unit 65, and the change information transmitting means of the second type electronic money terminal 8 is an electronic money card. When the payment amount is larger than the total amount of the balance acquired from 6 and the difference between the liability amount acquired from the electronic money card 6 and the upper limit amount, the balance change information and the liability change information are not transmitted. .

FIG. 8 is a flowchart for explaining the settlement process performed in step 40 when settlement is possible with the value balance (step 20; Y).
The second type electronic money terminal 8 generates amount change information (corresponding to balance change information) for reducing the value of the payment amount, and transmits it to the payment function unit 52 (change information transmission means) (step 50).
The settlement function unit 52 receives and executes this amount change information, and performs a settlement process by reducing the value balance by the amount of settlement (step 55). This completes the payment process.
In this way, the second type electronic money terminal 8 receives balance change information for reducing the payment amount from the value balance stored in the electronic money card 6 when the payment amount is equal to or less than the value balance acquired from the electronic money card 6. Change information transmitting means for transmitting to the money terminal is provided.

FIG. 9 is a flowchart for explaining the settlement processing performed in step 40 when settlement is possible with the total value of the value balance and the possible debt amount (step 35; Y).
The second-type electronic money terminal 8 activates the payment function unit 52 in the electronic money card 6, then generates amount change information (corresponding to balance change information) to reduce the entire value balance and sends it to the payment function unit 52. Transmit (step 70).
The settlement function unit 52 receives the amount change information from the second type electronic money terminal 8 and performs a settlement process using the information, and performs a settlement process for the value balance by reducing the value balance (step 75).
As a result, the value balance becomes 0 yen. As described above, when the second type electronic money terminal 8 performs the settlement with the value balance and the liability, the second type electronic money terminal 8 performs the settlement with priority from the value balance.

Next, the second type electronic money terminal 8 activates the debt function unit 62 in the electronic money card 6, calculates the difference between the settlement amount and the value balance, and reduces the difference by the amount change information ( (Corresponding to the debt change information) is generated and transmitted to the debt function unit 62 (step 80).
The liability function unit 62 receives the amount change information from the second type electronic money terminal 8 and performs a settlement process using this information, and increases the liability amount by the difference (step 85).

In this way, the second type electronic money terminal 8 can make a settlement when the value balance is insufficient for the settlement amount by using this as a liability.
In the present embodiment, payment is made preferentially from the value balance, but the present invention is not limited to this, and the total value of the decrease in the value balance and the increase in the debt amount may be the settlement amount.

  As described above, when the payment amount is larger than the value balance acquired from the electronic money card 6, the second type electronic money terminal 8 reduces the total amount of the value balance stored in the electronic money card 6. And change information transmitting means for transmitting to the electronic money card 6 the debt change information for increasing the difference between the settlement amount and the value balance to the electronic money card 6 as a liability amount.

Next, a procedure for the electronic money card 6 to perform a payment process together with the first type electronic money terminal 9 will be described.
In the case of the first type electronic money terminal 9, Step 5, Step 10 and Step 15 in FIG. 7 are the same, but it is determined that the payment amount is larger than the value balance and payment with the value balance is impossible. In this case (step 20; N), the settlement process is stopped by issuing an alarm.
As described above, the first type electronic money terminal 9 performs the payment process within the range of the process performed by the payment function unit 52.

Next, a procedure for the electronic money terminal to charge the electronic money card 6 will be described using the flowchart of FIG.
The following charge processing is common to the first type electronic money terminal 9 and the second type electronic money terminal 8 when the first type electronic money terminal 9 has a function of accessing the debt function unit 62. When the seed electronic money terminal 9 does not have a function of accessing the debt function unit 62, the second kind electronic money terminal 8 performs.
There are electronic money terminals that charge when the person in charge receives cash from the user and operates it, and those that charge the amount inserted by the user from the cash slot.
In this way, the electronic money terminal accepts a charge request together with the amount to be charged from a peripheral device or the like by an operation of a person in charge or detection of the passage of cash for charging (increase amount acquisition means) (step 105).

Next, after the electronic money card 6 activates the debt function unit 62 in the electronic money card 6, the electronic money terminal transmits an amount reference command to the debt function unit 62, and requests the debt function unit 62 to transmit the current debt amount ( Step 110).
In response to this, the debt function unit 62 reads the debt amount from the debt storage unit 65 and transmits it to the electronic money terminal (step 115).
The electronic money terminal receives the debt amount from the debt function unit 62, and determines whether or not the debt amount is 0 yen (step 120).

When the amount of debt is 0 yen (that is, when there is no liability) (step 120; Y), the electronic money terminal activates the payment function unit 52 in the electronic money card 6 and then changes the amount of charge. Is generated and transmitted to the settlement function unit 52 (step 135).
Then, the settlement function unit 52 receives this amount change information, performs charge processing, and increases the value balance (step 140).

On the other hand, if the amount of debt is not 0 yen (that is, if there is a liability) (step 120; N), the electronic money terminal uses the amount change information to reduce the amount of money that can be fully settled within the range of the amount charged. It is generated and transmitted to the debt function unit 62 (step 125).
The debt function unit 62 receives the amount change information from the electronic money terminal, executes it, and settles the liability amount (step 130).
By this settlement process, when the amount to be charged is equal to or greater than the amount of the liability, the amount of debt is 0 yen, and when the amount to be charged is less than the amount of liability, the amount of liability is reduced by the amount to be charged.

Next, the electronic money terminal calculates the difference between the charged amount and the debt amount reduced by the debt function unit 62.
Then, after the payment function unit 52 is activated in the electronic money card 6, the electronic money terminal increases the difference (that is, the amount obtained by subtracting the amount obtained by adjusting the debt amount from the amount to be charged). Is generated and transmitted to the settlement function unit 52 (step 135).
The settlement function unit 52 receives this amount change information, performs charge processing, and increases the value balance (step 140).

  In this way, the second-type electronic money terminal 8 electronically receives the balance change information for increasing the amount obtained by subtracting the amount of debt stored in the electronic money card 6 from the amount to be charged (increased amount) and the deducted amount as an electronic amount. There is provided change information transmitting means for transmitting to the electronic money card 6 the debt change information to be reduced from the debt amount stored in the money card 6.

As described above, the electronic money terminal can preferentially charge from the debt amount. For this reason, even when the amount of debt is consumed, it can recover quickly.
When the electronic money card 6 is charged to the debt function unit 62, the user is notified that the amount of money increased in the payment function unit 52 is smaller than the amount requested by the user.

In the above description, the settlement function unit 52 and the debt function unit 62 are formed in the electronic money card 6, but a configuration in which two value balances are provided in a single electronic money function unit is also possible.
For example, FIG. 11 shows a case where a terminal communication unit 71 and a value processing unit 72 are formed on an IC chip embedded in an electronic money card 70, and a value storage unit 55 and a debt storage unit 65 are connected thereto. .

In this case, the second type electronic money terminal 8 attaches a parameter for identifying the value storage unit 55 and the debt storage unit 65 to the command, and the value processing unit 72 follows the value storage unit 55 and the debt storage unit according to this parameter. The unit 65 is processed individually.
As a result, the second-type electronic money terminal 8 can cause the value processing unit 72 to selectively process the value storage unit 55 and the debt storage unit 65. The payment process can be performed by recording.

The following effects can be obtained by the present embodiment described above.
(1) By providing the electronic money card 6 with the debt function unit 62, when the value balance is insufficient, the settlement amount can be quickly performed by recording the debt amount.
(2) The type 2 electronic money terminal 8 is installed in a place where settlement with a debt amount is required, and the type 1 electronic money terminal 9 is installed in another place to prevent useless recording of the amount of debt. be able to.
(3) The convenience of the customer can be further improved by installing the second type electronic money terminal 8 in a place such as a pass gate where the convenience of the customer due to the inability to settle is easily impaired.
(4) Regardless of the type 2 electronic money terminal 8 and the type 1 electronic money terminal 9, the electronic money terminal preferentially settles the debt amount, so even if the debt amount is recorded, the debt is quickly Can be repaid.

In the present embodiment, the second type electronic money terminal 8 is configured to perform both the settlement process and the charge, but may be configured to perform only the settlement process or only the charge.
The second type electronic money terminal 8 that only performs payment processing is used, for example, by being incorporated in a vending machine, and the second type electronic money terminal 8 that only charges is installed, for example, near a plaza or a member store. used.
The second type electronic money terminal 8 that charges only, an increase amount acquisition means for acquiring an increase amount, a debt amount acquisition means for acquiring a liability amount from the electronic money card 6, and the liability amount is deducted from the increase amount And a change information transmitting means for transmitting to the electronic money card 6 balance change information for increasing the amount of money, and debt change information for reducing the deducted amount of money.

It is a figure for demonstrating the outline | summary of this Embodiment. It is a figure for demonstrating the system configuration | structure of this Embodiment. It is a figure for demonstrating the hardware-like structure of an electronic money card. It is a figure for demonstrating the functional structure of an electronic money card. It is a figure for demonstrating the hardware-like structure of a 2nd type electronic money terminal. It is a figure for demonstrating the functional structure of a mobile telephone. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure of a payment process. It is a flowchart for demonstrating the procedure to charge. It is a figure for demonstrating the modification of an electronic money card.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money system 2 Electronic money server 6 Electronic money card 8 Type 2 electronic money terminal 9 Type 1 electronic money terminal 51 Settlement area 52 Settlement function part 53 Terminal communication part 54 Value processing part 55 Value storage part 61 Debt area 62 Debt Functional part 63 Terminal communication part 64 Debt amount processing part 65 Debt storage part

Claims (7)

For a money terminal comprising balance storage means for storing a balance of money value that can be used for settlement, and debt amount storage means for storing a debt amount, the money terminal for changing the balance An information processing apparatus for transmitting balance change information and debt change information for changing the debt amount,
Payment amount acquisition means for acquiring a payment amount to be settled at the money terminal;
Balance acquisition means for acquiring the balance stored in the balance storage means from the money terminal;
When the acquired payment amount is equal to or less than the acquired balance, balance change information for reducing the payment amount from the stored balance is transmitted to the money terminal, and the acquired payment amount is larger than the acquired balance Change information transmitting means for transmitting to the money terminal, balance change information for reducing the total amount of the stored balance, and debt change information for increasing the difference between the settlement amount and the balance as a liability amount; ,
An information processing apparatus comprising:   The information processing apparatus according to claim 1, further comprising: a debt amount acquisition unit that acquires the debt amount stored in the debt amount storage unit from the money terminal. A predetermined upper limit is prescribed for the debt amount stored by the debt amount storage means,
The change information transmitting means, when the acquired settlement amount is larger than the total amount of the acquired balance and the difference between the acquired liability amount and the upper limit amount, the balance change information and the liability The information processing apparatus according to claim 2, wherein the change information is not transmitted. An increased amount acquisition means for acquiring an increased amount for increasing the monetary value stored in the money terminal;
The change information transmitting means includes balance change information for increasing an amount obtained by subtracting a debt amount stored in the liability amount storage means from the increased amount, and debt change information for reducing the deducted amount. The information processing apparatus according to claim 2, wherein the information processing apparatus transmits the information to a terminal. For a money terminal comprising balance storage means for storing a balance of money value that can be used for settlement, and debt amount storage means for storing a debt amount, the money terminal for changing the balance An information processing apparatus for transmitting balance change information and debt change information for changing the debt amount,
Increase amount acquisition means for acquiring an increase amount for increasing the money value stored in the money terminal;
From the money terminal, a debt amount acquisition means for acquiring the debt amount stored in the debt amount storage means;
Balance information for increasing the amount obtained by deducting the acquired amount of debt from the acquired amount of increase, and debt change information for decreasing the amount of deduction, change information transmitting means for transmitting to the money terminal,
An information processing apparatus comprising: A money terminal that can be settled by reducing the balance of stored monetary value and increasing the stored amount of debt,
Balance storage means for storing a monetary value balance as electronic data;
Balance change information receiving means for receiving balance change information from the information processing device;
Balance changing means for changing the stored balance using the received balance change information;
A debt amount storage means for storing the debt amount as electronic data;
Debt change information receiving means for receiving debt change information from the information processing device;
A debt changing means for changing the stored debt amount using the received debt change information;
A currency terminal characterized by comprising: For a money terminal comprising balance storage means for storing a balance of money value that can be used for settlement, and debt amount storage means for storing a debt amount, the money terminal for changing the balance An information processing method performed by an information processing apparatus that transmits balance change information and debt change information for changing the debt amount,
The information processing apparatus includes a settlement amount acquisition unit, a balance acquisition unit, and a change information transmission unit.
A payment amount acquisition step of acquiring a payment amount to be settled at the money terminal by the payment amount acquisition means;
A balance acquisition step of acquiring the balance stored in the balance storage means from the money terminal by the balance acquisition means;
When the acquired payment amount is less than or equal to the acquired balance, the change information transmitting means transmits balance change information for reducing the payment amount from the stored balance to the money terminal, and the acquired payment amount is If it is larger than the acquired balance, balance change information for reducing the total amount of the stored balance, and debt change information for increasing the difference between the settlement amount and the balance as a debt amount, to the money terminal. A change information sending step to send;
An information processing method comprising:

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