JP2009301419A - Point server, application program, and mobile terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To facilitate registration when use of electronic money is linked with a point service. <P>SOLUTION: An indirect registration application installed in a cellular phone 7 reads an electronic money functional part ID from an electronic money functional part; thereafter connects the cellular phone 7 to a company A point server 61; and then transmits the electronic money functional part ID to the company A point server 61. The cellular phone 7 transmits the UID of the cellular phone 7, when connecting to the company A point server 61. In the company A point server 61, the UID and a company A membership ID are associated with each other in a company A membership DB 71. The company A point server 61, when receiving the electronic money functional part ID and the UID from the cellular phone 7, searches for the company A membership DB 71 for the company A membership ID, by using the UID as a key, and makes the retrieved company A membership ID associate with the electronic money functional part ID received from the cellular phone 7. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a point server, an application program, and a mobile terminal, and relates to, for example, a device that gives points for using electronic money.

With the spread of electronic money in recent years, business transactions using electronic money have been actively conducted.
Commercial transactions using electronic money are performed by operating value data by operating electronic data having exchange value equivalent to money called value.

Value is electronic data representing an amount of money, and is written in the IC chip as amount information.
This IC chip is built in, for example, a mobile phone or a resin card, and is carried by the user as an electronic wallet.
The amount of value stored in the IC chip can be increased or decreased by accessing the IC chip from an electronic money terminal installed in a store or the like. The value of the IC chip is increased and accumulated, and the amount is reduced and settled. It can be performed. The process of increasing the value is called charging.

On the other hand, in recent years, point services for customer purchasing activities have been actively performed. In this case, for example, when a certain company has a customer as a point member and the customer performs a purchasing activity at the store of the company, the point is issued.
The customer can accumulate points and receive services corresponding to the accumulated points, such as discounts on merchandise and winning prizes.

With the spread of electronic money business transactions and point services, electronic money business operators and business operators that provide point services have jointly issued businesses that issue points for electronic money business transactions. I came.
As a result, it is possible to obtain a synergistic effect of the activation of commercial transactions with electronic money and the entrapment of customers by points.
As described above, the following “mile point / electronic money value conversion system” is available as a technology for linking electronic money and point services.
JP 2004-265087 A

  This technology interoperates between a mileage system, which is a service that grants points called miles, and an electronic money system.

However, conventionally, there is a problem that one point service is linked to the use of electronic money, and the choice of point service is fixed and the flexibility is insufficient.
Therefore, it may be possible to select a plurality of point services for the use of electronic money. In this case, it is necessary to associate the use of electronic money with the point service, how to reduce the burden on the user. It was a problem.

  Accordingly, an object of the present invention is to facilitate registration when linking the use of electronic money and a point service.

In invention of Claim 1, the memory | storage means to link | relate and memorize | store the portable terminal identification information of a portable terminal, and object ID of a point object person, The money amount memory | storage means to memorize | store the amount of money values as electronic data, A money amount change means for subtracting the stored money amount using subtraction information, and a money terminal provided with a money terminal comprising the money amount formed on the portable terminal from the connected portable terminal Receiving means for associating and receiving money terminal specifying information for specifying a terminal and mobile terminal identification information of the mobile terminal, search means for searching for the received mobile terminal identification information in the storage means, and the search Provided is a point server comprising a linking means for linking a target person ID associated with the mobile terminal identification information and the received money terminal specifying information. .
In the invention according to claim 2, the string for transmitting the linked target person ID and the money terminal specifying information to a point calculation device that calculates points for the target person ID using the settlement amount by the money terminal. 2. A point server according to claim 1, further comprising attachment information transmitting means.
The invention according to claim 3 further comprises point specifying information receiving means for receiving point specifying information for specifying a point for the transmitted subject ID from the point calculating device. A point server according to claim 2 is provided.
In the invention according to claim 4, when the received mobile terminal identification information is not searched by the search means, a target person ID is issued while maintaining a session with the mobile terminal, and the target person ID and 2. The portable terminal identification information of the portable terminal is associated and stored, and then the association unit associates the issued subject ID with the received portable terminal identification information. A point server according to item 2 or claim 3 is provided.
In a fifth aspect of the present invention, there is provided a money terminal comprising: money amount storage means for storing an amount of money value as electronic data; and money amount change means for subtracting the stored amount using subtraction information and making a settlement. An application program formed in a portable terminal that transmits portable terminal identification information to a connected site, the money terminal specifying information acquiring function for acquiring the money terminal specifying information for specifying the formed money terminal; 5. A point server connection function for connecting to the point server according to any one of claims 1 to 4, and a money terminal for transmitting the acquired money terminal specifying information to the connected point server. Provided is an application program for causing a computer mounted on a portable terminal on which the money terminal is formed to perform a specific information transmission function .
According to a sixth aspect of the present invention, there is provided a money terminal comprising: money amount storage means for storing a monetary value amount as electronic data; and money amount changing means for subtracting the settlement amount using subtraction information and making a settlement. A money terminal specifying information acquiring means for acquiring money terminal specifying information for specifying the money terminal; a portable terminal identifying information acquiring means for storing portable terminal identification information; and acquiring the stored portable terminal identification information; The point server connection means for connecting to the point server according to any one of claims 1 to 4, and the acquired point terminal connection information and the acquired mobile terminal identification There is provided a portable terminal comprising: a transmission unit that transmits information in association with each other.

  ADVANTAGE OF THE INVENTION According to this invention, the registration at the time of making use of electronic money and a point service cooperate can be made easy by using the portable terminal identification information set to the portable terminal.

(A) Outline of Embodiment FIG. 1 is a diagram for explaining an outline of an electronic money system 1 according to the present embodiment.
The mobile phone 7 is a mobile phone having an IC chip 12 having a charge function of value and a settlement function based on the value and a function of accessing a server via the network. The
A method for providing such a point service will be described according to the numbers in the figure.

In order to receive the point service, it is necessary to register with the electronic money server 2, which includes indirect registration performed through the point server and direct registration performed directly with respect to the electronic money server 2. When registering for the point service of Company A, the following processing is performed.
(1) When performing indirect registration, the user connects the mobile phone 7 to the A company point server 61, and provides the electronic money function unit ID of the IC chip 12 and the A member ID for receiving point service at the A company. Send.

In the present embodiment, in order to receive the point service, it is assumed that the user has acquired the A member ID in advance, and this is registered in the electronic money server 2.
As a modified example, when a user does not have an A member ID, the A company point server 61 immediately registers the user as a point member and issues an A member ID, together with the electronic money function unit ID. It is also possible to configure to transmit to the electronic money server 2.

(2) The company A point server 61 creates a linked registration file in which the received electronic money function unit ID and the A member ID are linked, and transmits the file to the electronic money server 2. The electronic money server 2 receives this file and stores the correspondence between the electronic money function unit ID and the A member ID.
(3) On the other hand, when performing direct registration, the user connects the mobile phone 7 to the electronic money server 2 and transmits the electronic money function unit ID and the A member ID to the electronic money server 2. The electronic money server 2 receives this and stores the correspondence between the electronic money function unit ID and the A member ID.
In this way, the A member ID is linked to the electronic money function unit ID set in the IC chip 12 of the mobile phone 7 by indirect registration or direct registration.

(4) After performing the above registration method for other point business operators such as Company B, the user selects which business operator's point service is to be used and notifies the electronic money server 2 of it. In response, the electronic money server 2 stores the point service selected by the user. Here, it is assumed that company A is selected.
If no selection is made, the most recently registered point service is automatically selected.

(5) When a user makes a purchase at a member store of an electronic money system and settles with the value of the mobile phone 7, a transaction log recording the electronic money function unit ID, settlement amount, settlement date, etc. of the IC chip 12 joins. Memorized at the store.
(6) When the transaction log is accumulated, the member store transmits it to the electronic money server 2 by batch processing.
(7) The electronic money server 2 receives the transaction log from the member store, and totals the settlement amount made by the mobile phone 7. Then, for the point service selected for the mobile phone 7, that is, the point service of company A, the number of points is calculated from the total of the settlement amount.

(8) The electronic money server 2 creates a point integration file in which the A member ID associated with the electronic money function unit ID and the calculated number of points are recorded, and transmits this to the A company point server 61. .
The A company point server 61 receives the point accumulation file from the electronic money server 2, and issues and grants points in association with the A member ID according to the file.
(9) When Company B is selected, the electronic money server 2 calculates the number of points for Company B and transmits a point accumulation file to the Company B point server 62.

As described above, the user can register a plurality of point services for value settlement using the mobile phone 7 and select a point service for accumulating points.
Then, the electronic money server 2 totals the amount settled with the value of the mobile phone 7 based on the transaction log, and based on this, calculates the number of points of the point service selected by the user, and the company A point server 61 etc. Can be notified.
For this reason, the user can select one that meets his / her needs from a plurality of point services, and accumulate points according to the use of the value.

(B) Details of Embodiment FIG. 2 is a diagram showing a network configuration of the electronic money system 1.
The electronic money system 1 includes a mobile phone 7, an electronic money server 2, the Internet 4, a base station 5, an electronic money card 6, a user terminal 9, an electronic money terminal 8, an A company point server 61, a B company point server 62, and the like. It is configured.
Hereinafter, when the point servers of each company are not particularly distinguished, they are simply referred to as point servers.

The mobile phone 7 incorporates a non-contact type IC chip having an electronic money processing function. This IC chip has a function of storing a value and a function of increasing or decreasing the amount of value stored using the amount change information.
Here, the value is a concept corresponding to money in the electronic money system 1, and the process of increasing the value is called charging and the process of reducing the value is called settlement.
This IC chip can perform short-distance wireless communication with the electronic money terminal 8 by placing the mobile phone 7 on the reader / writer of the electronic money terminal 8, and the money change information is sent from the electronic money terminal 8 to the IC chip. It can be sent to charge and settle the IC chip.

Further, the mobile phone 7 can wirelessly communicate with the base station 5 and connect to the Internet 4 to access the service sites of the electronic money server 2, the A company point server 61, and the B company point server 62.
In FIG. 2, the connection between the Internet 4 and the A company point server 61 and the B company point server 62 is omitted for simplification.
The mobile phone 7 can access the point server for indirect registration, access the electronic money server 2 for direct registration, or access the electronic money server 2 for charging and settlement.

The electronic money card 6 is an IC card containing an IC chip equivalent to that built in the mobile phone 7.
The electronic money card 6 can be charged and settled by communicating with the electronic money terminal 8 in the same manner as the IC chip of the mobile phone 7, and connected to the electronic money server 2 via the user terminal 9 to communicate with the electronic money server 2. You can also charge and settle.

The user terminal 9 is, for example, a personal computer equipped with a device that accesses a non-contact type IC chip called a reader / writer, and has a function of connecting to the Internet 4.
The user terminal 9 can be connected to the mobile phone 7 or the IC chip of the electronic money card 6 by a reader / writer and mediate communication between the IC chip and the electronic money server 2.
Further, the user terminal 9 can access the point server and perform indirect registration, or the electronic money server 2 can access and register directly.

The electronic money server 2 collects and aggregates transaction logs (log data recording charge and settlement history) from the electronic money terminal 8 and manages the correspondence between value distribution and currency.
In addition, the electronic money server 2 manages the registration and selection of the point service performed by the user, performs the calculation of the number of points given by the A company and the B company for the value settlement, and uses the point accumulation file as the point server. Send and notify the number of points.

  Member stores are stores (convenience stores, department stores, restaurants, other retail stores, commercial vehicles, other mobiles, etc.) that can be settled with the value of the mobile phone 7 or the electronic money card 6, and are singular in the accounting area, or A plurality of electronic money terminals 8 are provided.

The electronic money terminal 8 is a terminal that performs short-distance wireless communication with the IC chip of the mobile phone 7 or the electronic money card 6 via the reader / writer, and inputs the amount change information to the IC chip for charging and settlement. be able to.
The electronic money terminal 8 records the processing content with the IC chip in the transaction log, and transmits it to the electronic money server 2 by batch processing, for example, once a day.

The company A point server 61 is a server for the company A to provide point services to the point members, and manages the number of points of the point members and the use of the points by the A member ID. This point is used as follows as an example.
For example, it is assumed that a member accumulates 1000 points in the A company point server 61. When this member wants to use 300 points when purchasing a camera at a store of company A (not shown), the fact that this user consumes 300 points is transmitted from the terminal of the store to the company A point server 61. The company A point server 61 subtracts 300 points from the 1000 points of the user, and a discount for 300 points is performed at the store.

The company A point server 61 receives the point accumulation file from the electronic money server 2 and gives points to the point member using the file.
In the point accumulation file, the A member ID and the number of points to be given to this point member are recorded, and the point server can give points for value settlement by giving points accordingly. .

The company B manages the point member by the member B employee ID in the same manner as the company A, and gives the member a point by the point accumulation file transmitted from the electronic money server 2.
Note that the point service provided by Company A and Company B is provided independently by each company.
In the following, A member ID and B member ID are simply referred to as member IDs unless otherwise distinguished.

Next, an outline of a procedure for giving points by indirect registration and direct registration will be described with reference to FIGS.
Here, a case of registration with the mobile phone 7 will be described, but registration may be performed from the user terminal 9.

FIG. 3A is a diagram showing a case where indirect registration is performed with the point service of company A. FIG.
The user accesses the A company point server 61 from the mobile phone 7 and transmits the electronic money function unit ID and the A member ID of the mobile phone 7 to the A company point server 61.
If the user is not subscribed to the point service of company A and does not have an A member ID, the company A point server 61 issues an A member ID.

  The company A point server 61 thereby acquires the association between the electronic money function unit ID and the A member ID, creates an association registration file in which both are associated, and transmits this to the electronic money server 2.

The electronic money server 2 receives the association registration file and stores the correspondence between the electronic money function unit ID and the A member ID.
Thereafter, the electronic money server 2 aggregates the amount settled with the value of the mobile phone 7 based on the transaction log, and based on this, calculates the number of points of the point service (supplied by Company A) selected by the user. .

A point integration file in which the A member ID corresponding to the mobile phone 7 is associated with the number of points is created via the electronic money function unit ID and transmitted to the A company point server 61.
The company A point server 61 receives the point accumulation file from the electronic money server 2 and gives points according to the received file.

FIG. 3B is a diagram showing a case of directly registering with the point service of the B company.
It is assumed that the user has already subscribed to the point service of company B and has issued an employee ID for company B from company B.
The user accesses the electronic money server 2 from the mobile phone 7 and transmits the electronic money function unit ID and the B member ID of the mobile phone 7 to the electronic money server 2.
Thereby, the electronic money server 2 stores the correspondence between the electronic money function unit ID and the B member ID.
Thereafter, the electronic money server 2 performs the point calculation and the creation and transmission of the point accumulation file as in FIG. 3A, and the company B point server 62 gives points to the point members accordingly.

In the above example, the company A is indirectly registered and the company B is directly registered. Which registration method is adopted can be arbitrarily determined according to the system configuration of each company.
As described above, the electronic money server 2 can obtain the correspondence between the electronic money function unit ID and the member ID by either indirect registration or direct registration, and thereby calculate the number of points in association with the member ID. Can do.
In this way, the electronic money server 2 performs indirect registration or direct registration, so that the point server is associated with the money terminal (IC chip 12) via the network, and the point server issues the point number issuance target (point member). A target person ID receiving means for receiving a target person ID (member ID) for identifying.

FIG. 4 is a conceptual diagram showing an example of the configuration of the mobile phone 7.
The cellular phone 7 includes a telephone function unit 10 and an IC chip 12 that functions as an electronic money function unit, and both are connected by an interface unit 11.
In the IC chip 12, a terminal communication unit 16, a value processing unit 17, an electronic money storage unit 18, and the like are formed.

The electronic money storage unit 18 stores an electronic money function unit ID, a value balance, log data, and the like.
The electronic money function unit ID is identification information for specifying the IC chip 12 in the electronic money system 1.
The value balance is the amount of value currently stored, and can be settled by reducing this amount. As described above, the electronic money storage unit 18 functions as an amount storage unit that stores the amount of money as electronic data (value).
The log data is log data in which value processing contents are recorded.

The terminal communication unit 16 is a functional unit that wirelessly communicates with the reader / writer of the electronic money terminal 8 and mediates communication between the electronic money terminal 8 and the value processing unit 17.
The value processing unit 17 is a functional unit that executes various commands such as money amount change information, can communicate with the electronic money terminal 8 via the terminal communication unit 16, and electronic money via the telephone function unit 10. Communication with the server 2 is possible.

The command includes amount change information, ID reference command, and the like. The electronic money terminal 8 and the electronic money server 2 send the amount change information to the value processing unit 17 to perform charging and settlement, or send an ID reference command. The electronic money function unit ID of the value processing unit 17 can be read out.
The amount change information functions as addition information for adding the value stored in the electronic money storage unit 18 when charging, and functions as subtraction information for settlement.
Thus, the value processing unit 17 functions as a money amount changing unit, and the IC chip 12 functions as a money terminal.

The telephone function unit 10 has a call mode for making a call and an application mode for operating an application, and can be switched by a user operation.
The telephone function unit 10 includes a CPU (Central Processing Unit) and a storage unit that stores various application programs, and exhibits various application functions by executing these application programs on the CPU in an application mode. be able to.

In the example of FIG. 4, the A company application unit 13 for accessing the service site of the A company point server 61 and using the services of the A company such as indirect registration, and the service site of the electronic money server 2 are connected. An electronic money application unit 15 for directly registering, charging and settlement is installed.
Although the mobile phone 7 has been described above, the electronic money card 6 also includes an IC chip similar to the IC chip 12.

FIG. 5 is a diagram illustrating an example of a hardware configuration of the electronic money terminal 8.
The electronic money terminal 8 includes a CPU 31, a ROM (Read Only Memory) 33, a RAM (Random Access Memory) 34, a communication control unit 35, a storage unit 36, an input unit 37, an output unit 38, and a reader / writer unit 39 on a bus line. Connected and configured.

The CPU 31 performs information processing according to a predetermined program, and controls the entire electronic money terminal 8.
In the present embodiment, the CPU 31 transmits money amount change information to the electronic money card 6 to cause the electronic money card 6 to perform money amount change processing (settlement or charge) or record the contents of the executed money amount change processing. A transaction log is created and transmitted to the electronic money server 2 by batch processing.

The ROM 33 is a read-only memory that stores basic programs and parameters for operating the 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 connects the electronic money terminal 8 to the electronic money server 2 via the network.

The input unit 37 includes an input device such as a keyboard and a barcode reader, for example, and an operator can input a product code, a payment amount, a charge amount, and the like.
The output unit 38 is connected to, for example, a liquid crystal display device, a printer, an audio output device, and the like, and presents information to a customer or an operator in charge of a member store.

The reader / writer unit 39 has a built-in antenna and performs wireless communication with the IC chip 12 of the mobile phone 7 and the IC chip of the electronic money card 6.
The reader / writer unit 39 is installed in the vicinity of the cash register so that the user can bring the mobile phone 7 and the electronic money card 6 close to the reader / writer unit 39 at the time of settlement of the product.

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. .
The program storage unit 42 stores an OS, which is a basic program for causing the electronic money terminal 8 to function, a program for causing the electronic money card 6 to perform money amount change processing, and the like.

The data storage unit 44 stores a terminal ID that is ID information of the electronic money terminal 8, a member store ID of a member store in which the electronic money terminal 8 is installed, a transaction log, and the like.
The transaction log includes information such as the electronic money function unit ID of the IC chip that has undergone the money amount change processing, the type of payment / charge, the amount paid or charged, the date and time of the money amount change processing, the member store ID, and the terminal ID. Are recorded and transmitted to the electronic money server 2 by batch processing.

FIG. 6 is a diagram illustrating an example of a hardware configuration of the electronic money server 2.
The electronic money server 2 is configured by connecting a CPU 51, a ROM 52, a RAM 54, a communication control unit 53, a storage unit 55, and the like through a bus line.
The electronic money server 2 functions as a point calculation device that calculates a plurality of types of points based on the amount settled using a money terminal (IC chip 12 or the like).

The CPU 51 is a central processing unit that performs various types of information processing according to a predetermined program.
In the present embodiment, transaction logs are collected and collected from the electronic money terminal 8, the correspondence between the electronic money function unit ID and the member ID of the point service is managed, and the number of points is calculated.
Further, the CPU 51 operates a service site that provides direct registration and other services, and accepts indirect registration from a point server of each company.
Note that it is not necessary for the CPU 51 to perform all of these functions, and a system having functions equivalent to those of the electronic money server 2 may be configured by combining a plurality of server devices.

The ROM 52 is a read-only memory, and stores basic programs and parameters for operating the electronic money server 2.
The RAM 54 is a readable / writable memory, and provides a working memory for the CPU 51, loads and stores programs and data stored in the storage unit 55, and the like.
The communication control unit 53 communicates with the electronic money terminal 8 or communicates with the mobile phone 7 via the Internet 4 or the base station 5.

The storage unit 55 is configured by using a large-capacity storage device such as a hard disk, and includes a program storage unit 56 that stores various programs, a data storage unit 57 that stores data, and the like.
The program storage unit 56 calculates an OS, which is a basic program for causing the electronic money server 2 to function, a program for the CPU 51 to manage the correspondence between the electronic money function unit ID and the member ID, and the number of points. And other programs are stored.

The data storage unit 57 includes a user database 41 in which users of the mobile phone 7 and the electronic money card 6 are registered, a transaction log database 42, a service registration database 43 in which the registration status of each user in each company's point service is recorded, and user points. A point validity database 44 in which service selections are recorded is stored. In the figure, the database is abbreviated as DB.
These databases are logically constructed by, for example, a relational database in which basic tables are related by relations.

FIG. 7A is a diagram illustrating an example of a logical configuration of the user database 41.
The user database 41 stores user information such as “electronic money function unit ID”, “user name”, “password”, “e-mail address”, “address”, and the like.
The “electronic money function unit ID” is ID information of the IC chip of the mobile phone 7 or the electronic money card 6 owned by the user.
“User name” is the name of the user.

“Password” is authentication information for the electronic money server 2 to authenticate and identify the user.
The password is used, for example, to specify the user when the user logs in to the service site of the electronic money server 2 from the mobile phone 7 or the user terminal 9.

FIG. 7B is a diagram illustrating an example of a logical configuration of the transaction log database 42.
The transaction log database 42 is a database in which transaction logs transmitted from the electronic money terminal 8 and processes directly performed by the electronic money server 2 on the mobile phone 7 and the electronic money card 6 are stored. "," Charge "," settlement ", and other items.

The “electronic money function unit ID” is the electronic money function unit ID of the IC chip that is the target of the transaction log.
In “Charge”, the member store ID of the member store 3 that has been charged, the terminal ID of the electronic money terminal 8, the date and time of charging (recorded until the minute and second), the amount of the charged value, and the like are recorded.
In the “settlement”, as in “charge”, the member store ID of the member store 3 that made the settlement, the terminal ID of the electronic money terminal 8 (or the electronic money server 2), the settlement date and time, the amount of value settled, etc. It is recorded.

  As described above, the electronic money server 2 includes payment amount acquisition means for acquiring the amount settled at the money terminal (IC chip 12) from the settlement log, and purchase history by the mobile phone 7 or the electronic money card 6 is a transaction. Since it is stored as a log, the number of points can be calculated based on this.

FIG. 8 is a diagram illustrating an example of a logical configuration of the service registration database 43.
The service registration database 43 includes “point business operator”, “member ID”, “electronic money function unit ID”, “service registration date”, “service cancellation”, and other items.
“Point operator” is information for identifying point operators such as Company A and Company B.

The “member ID” is a member ID given to the point member by the point company.
The “electronic money function unit ID” is an electronic money function unit ID associated with the member ID by indirect registration or direct registration.
The “service registration date” is the date when the user registered as a point member of the point business operator, and when the user cancels registration or selects a point service multiple times within a day, the context is determined. In order to record for hours and minutes. The user can select a registered point service that accumulates points.

“Service cancellation date” is a date when the point service of the point provider is canceled, and is recorded up to the hour and minute unit. If the user has not canceled the point service, this field is blank.
The electronic money server 2 can specify the point service registered by each user by searching the service registration database 43 for the electronic money function unit ID of the user.

The service registration database 43 functions as a point type storage unit that stores a plurality of point types (point service types) associated with the money terminal (IC chip 12).
In addition, the service registration database 43 is a correspondence storage unit that stores a correspondence between a target person ID (member ID) by which the point server identifies a person to be issued a point number (point member) and a money terminal (IC chip 12). Is functioning.

FIG. 9 is a diagram showing an example of a logical configuration of the point validity database 44.
The point valid database 44 includes “electronic money function unit ID”, “point business operator”, “member ID”, “point valid date”, “point invalid date”, and other items.
The “electronic money function unit ID” is an electronic money function unit ID of the mobile phone 7 or the electronic money card 6.

A “point provider” is a point provider in which a user is currently registering a point service.
“Member ID” is a member ID given to the point member by the point company.
“Point effective date” is the date when the point service of the point provider becomes valid.

The “point invalid date” is the date on which the point grant is invalid for the point service of the point operator.
These “point effective date” and “point invalid date” are set by the user's selection. As will be described later, these effective date / invalid date are reflected four days after the user selects. And the date is four days after the date of operation by the user.
For the point service currently selected, the “invalid date” is “99/99/99”.
The point validity database 44 functions as a point selection storage unit that stores selection of a point type to be accumulated among the point types stored in the service registration database 43.

FIG. 10 is a diagram for explaining a period from when a user registers / selects a point to when the point is reflected on the electronic money server 2.
When performing indirect registration, the point server transmits the linked registration file to the electronic money server 2 as a batch file. In this embodiment, after the user performs a registration operation, the registered content reaches the electronic money server 2. It takes up to 4 days to do it.
For this reason, the electronic money server 2 provides a grace period to enable the point grant from 4 days after the date when the user registers or selects the point service. I decided to prevent it.

In the example of FIG. 10, for example, when the user newly registers with the A company point service on the Nth day, the registration becomes valid after N + 4 days, and thereafter the points of the A company are given.
Furthermore, if the user selects the point service of company B on day M (after day N), the selection becomes effective after day M + 4, and points for company B are thereafter given.

A procedure in the case where the electronic money system 1 configured as described above provides a point service by indirect registration will be described with reference to the flowchart of FIG.
Here, it is assumed that both the company A and the company B can be indirectly registered, and a case where registration is performed from the mobile phone 7 will be described.

First, the user connects to the point service registration screen of the service site of the company A point server 61 by, for example, starting an application of company A on the mobile phone 7.
In the point service registration screen, the electronic money function unit ID and the A member ID are input, and the user inputs these necessary items and transmits them to the A company point server 61.

The electronic money function unit ID may be configured to be manually input by the user, or may be configured to be automatically read from the IC chip 12 by the application of company A.
When the company A point server 61 receives these pieces of information from the mobile phone 7 in this way, it registers the service in the user database for the company A point service (step 5).

Next, the A company point server 61 associates the electronic money function unit ID of the mobile phone 7 with the A member ID, generates a linked registration file in which the registration date is recorded, and transmits it to the electronic money server 2 (step) 10).
When the electronic money server 2 receives the association registration file from the A company point server 61, the item “Company A” of the service registration database 43 (FIG. 8), the member ID recorded in the association registration file, the electronic money function unit The ID and service registration date are stored.
The electronic money server 2 stores the company A and member ID for the electronic money function unit ID in the point valid database 44 (FIG. 9), and four days after the registration date recorded in the associated registration file. Is stored as a point effective date.

Similarly, when the user registers with the B company point service from the mobile phone 7, the service is registered with the B company point server 62 (step 15), and the B company point server 62 registers the registration file with the electronic money server 2. Is transmitted (step 20).
And the electronic money server 2 registers the point service of B company with respect to the said user similarly to the case of A company.

  In the above, the point services of Company A and Company B are registered to the mobile phone 7, but by default, the point service of Company B registered later is selected, and when the user selects Company A, Point service is selected.

In this way, after the user registers and selects the point service of Company A and Company B and makes a payment at the electronic money terminal 8 using the value of the mobile phone 7 (step 25), the electronic money is later processed by batch processing. The terminal 8 transmits a transaction log to the electronic money server 2 (step 30).
When the electronic money server 2 receives the transaction log, the electronic money server 2 stores it in the transaction log database 42 (FIG. 7B).

Next, for example, the electronic money server 2 performs a point calculation process for each transaction (step 35), and creates a point accumulation file for each point provider.
The electronic money server 2 transmits the point integration file for company B that has been subjected to calculation processing to the company B point server 62 (step 40), and the point integration file for company A that has already undergone calculation processing is transmitted to the company A point server 61. (Step 45).
These transmission timings can be configured to differ depending on the timing designated by each point operator, for example, every day, every 10 days, or once a month.

The company A point server 61 issues and gives points to the user according to the point accumulation file, and performs point reduction, for example, consuming points according to the points (step 50).
Similarly, the B company point server 62 issues / returns points (step 55).

Next, a procedure when the electronic money system 1 provides a point service by direct registration will be described with reference to the flowchart of FIG.
Here, it is assumed that both the company A and the company B can be registered directly, and the case of registration from the mobile phone 7 will be described.

First, the user activates the electronic money application unit 15 (FIG. 4) of the mobile phone 7 to connect to the point service registration screen of the service site of the electronic money server 2.
The user selects the point service of company A on the point service registration screen, inputs the A member ID and the electronic money function unit ID, and transmits them to the electronic money server 2.

The electronic money server 2 receives the information from the mobile phone 7 and registers the user in the service registration database 43 and the point valid database 44 (step 60).
Similarly, the point service of company B can be registered by accessing the electronic money server 2 from the mobile phone 7 (step 70).
The following procedure is the same as in FIG.

Next, the procedure of the point calculation process will be described using the flowchart of FIG.
The following processing is performed by the CPU 51 of the electronic money server 2 according to a predetermined program, for example, about once a month, regularly or irregularly.
First, the electronic money server 2 specifies one of the electronic money function unit IDs whose points are to be calculated in the point valid database 44 (step 60).

Next, the electronic money server 2 searches the transaction log database 42 for a transaction log related to the electronic money function unit ID, and totals the amount settled by value between the previous point calculation date and the current point calculation date. (Step 65).
As described above, the electronic money server 2 includes a totaling unit that totals the amounts acquired from the electronic money terminal 8 or the like.
Next, the electronic money server 2 searches the service registration database 43 for the electronic money function unit ID, and specifies the point service currently selected for the electronic money function unit ID (step 70).

Then, the electronic money server 2 calculates the number of points from the previously collected amount based on the ratio defined by the selected point service (step 75).
For example, when issuing 1% of points for the payment amount, the number of points is calculated by multiplying the payment amount by 0.01 and rounding down the fraction.

As described above, the electronic money server 2 includes point number calculation means for calculating the number of points for each point type selected based on the total amount (one type in the present embodiment).
Next, the electronic money server 2 stores the point service and the number of points in association with the electronic money function unit ID (step 80).

  Next, when there is an uncalculated electronic money function unit ID registered in the point valid database 44 (step 85; Y), the electronic money server 2 returns to step 60 and returns the uncalculated one. The number of points is calculated for the point service selected for the electronic money function unit ID of the calculation.

On the other hand, when the number of points has been calculated for all electronic money function unit IDs (step 85; N), the correspondence between the electronic money function unit ID and the number of points is recorded for each point company, and the point accumulation file is stored. Create (step 90).
As described above, the electronic money server 2 includes point output means for outputting the calculated number of points for each point type as a point integration file.

Next, a procedure in which the electronic money server 2 receives an operation from the mobile phone 7 and switches the selection of the point service will be described with reference to the flowchart of FIG.
In the following description, the electronic money server 2 and the like will be described using transitions of screens displayed on the display of the mobile phone 7.
These screens are displayed by the electronic money server 2 or the like transmitting screen data to the mobile phone 7 for display.

When the electronic money server 2 accepts login by inputting a password from the mobile phone 7 and specifies the user of the mobile phone 7, the electronic money server 2 displays the top screen of the service site on the mobile phone 7.
On the top screen, for example, various services provided by the electronic money server 2 such as charge and value transfer can be selected. When the point service is selected, the screen changes to the point top screen, and the operation menu for the point service is displayed. Is displayed (step 100).

When the user selects “to operation menu”, the electronic money server 2 displays a point selection screen for selecting a point service, changing registration information, and the like (step 105).
In this screen, for example, Company A, Company B, and Company C that can use the point service in the electronic money system 1 are displayed so as to be selectable by radio buttons.
For example, when the user selects Company B on this screen and selects “Point switching registration”, the electronic money server 2 uses the service registration database 43 (FIG. 8) to use the electronic money function unit ID of the mobile phone 7. The company B is already linked (that is, whether the member B employee ID is associated with the electronic money function unit ID) (step 110).

In the case where the association has been made (step 110; Y), the electronic money server 2 switches the point service that becomes effective with 4 days later as the point effective date to the company B in the point effective database 44 (FIG. 9), and A message such as “Switched to Company B. Valid after 4 days” is displayed (step 113). Select "Next" on this screen to return to the point top screen.
Note that the point service set during selection before the selection of company B is invalidated with 4 days later as the point invalid date.

On the other hand, when the association is not completed (step 110; N), the electronic money server 2 determines whether company B employs direct registration or indirect registration (step 115). The electronic money server 2 stores a list as to which registration method each company employs, and can determine based on this list.
In the case of direct registration (step 115; Y), the electronic money server 2 confirms whether or not the user has already applied for registration with the company B and is waiting for confirmation until the grace period of 4 days passes.

When waiting for confirmation (step 120; Y), the selection automatically becomes company B at the time of confirmation, so the electronic money server 2 is switched to company B on the mobile phone 7 and becomes effective after four days. Is displayed (step 113). Select "Next" on this screen to return to the point top screen.
If 3 days have passed since registration, and it will be effective in another day, it will be “Switched to Company B. It will be effective after one day.” Or “It has already been switched to Company B. "Is displayed.
As described above, the electronic money server 2 includes a point type accepting unit that accepts selection of a point type from a terminal device (such as the mobile phone 7 or the user terminal 9).

If it is not waiting for confirmation (step 120; N), the electronic money server 2 inputs a necessary item such as a mobile phone number and a customer code (B member ID) and directly registers a screen for B company's point service. It is displayed on the mobile phone 7 (step 130).
When the user selects “Register” on the confirmation screen (step 135), the electronic money server 2 displays on the mobile phone 7 “Switched to company B. Effective after 4 days”. (Step 113). Select "Next" on this screen to return to the point top screen.

  In addition, when it is determined that the company B adopts indirect registration (step 115; N), the electronic money server 2 reads, “To collect the company B points, download and register the application from the company B site. Please display "on the mobile phone 7 together with a link to the service site of company B, and guide the user to the service site of company B (step 145).

When the user selects the link, the mobile phone 7 connects to the service site of company B.
Then, the B company point server 62 transmits screen data to the mobile phone 7 and downloads the B company application along with a display such as “Points from B company using electronic money. Registration is from the app”. The button for displaying is displayed on the mobile phone 7 (step 150).
The user can select the button, download the application, install it on the mobile phone 7, activate it, and indirectly register with the point service of Company B.

Next, a procedure for changing or deleting point service registration information from the mobile phone 7 will be described with reference to the flowchart of FIG.
Here, the electronic money server 2 will be described using the transition of the screen displayed on the display of the mobile phone 7.
These screens are displayed by the electronic money server 2 transmitting screen data to the mobile phone 7 for display.

First, the user selects “go to operation menu” on the point top screen (step 100), selects “Company A” on the screen for selecting the point service displayed thereby, and further changes “registration information change, "Delete" is selected (step 105).
Then, the electronic money server 2 determines whether the company A employs indirect registration. In the case of indirect registration (step 205; Y), the electronic money server 2 sends the “A company point service” to the mobile phone 7. Please operate from the application of company A for change / deletion ", etc., and prompt the user to operate with the point server 61 of company A (step 210). Select "Return" on this screen to return to the point top screen.

On the other hand, when company A employs direct registration (step 205; N), the electronic money server 2 is associated with the electronic money function unit ID of the mobile phone 7 and the company A in the service registration database 43 (FIG. 8). (Step 215).
When the electronic money server 2 has not been linked (step 215; N), the electronic money server 2 displays on the mobile phone 7 "Not registered with Company A point service" or the like (step 220). Select "Return" on this screen to return to the point top screen.

If it has been linked (step 215; Y), the electronic money server 2 displays a screen for selecting registration change / deletion on the mobile phone 7 (step 225).
When the user selects “change registered information”, the electronic money server 2 causes the mobile phone 7 to display a screen for inputting the mobile phone number and the customer code (A member ID) (step 230). .

  When the user selects “Register” on the confirmation screen (step 235), the electronic money server 2 changes the service registration database 43 according to the content input by the user, and changes the registered content to the mobile phone 7. It becomes effective after 4 days "is displayed (step 240). Select "Next" on this screen to return to the point top screen.

  If the user selects “delete registration information” in step 225, the electronic money server 2 displays a confirmation screen on the mobile phone 7 for confirming whether or not to delete (step 245). When the user selects “Delete”, the registration of the mobile phone 7 is deleted in the service registration database 43, and “Delete is completed” or the like is displayed on the mobile phone 7 (step 250). Select "Next" on this screen to return to the point top screen.

The following effects can be obtained by the present embodiment described above.
(1) A plurality of point services can be associated with the mobile phone 7 and the electronic money card 6, and the user can select which service to use.
(2) By using the value, the user can accumulate point service points that meet his / her wishes from among a plurality of point services.
(3) The electronic money server 2 supports both indirect registration and direct registration, and can adopt a method corresponding to the point service provider's system.
(4) The time difference between direct registration and indirect registration can be absorbed by making it valid after a predetermined grace period from registration / selection of the point service.
(5) Since the existing (already registered) member ID and electronic money function unit ID are used, new equipment investment for this service can be minimized.
(6) The user who wants to participate in this service to use the existing member ID (which has already been registered) and the electronic money function unit ID, is troublesome to input information such as name and address again when registering to participate. Will not suffer.

In the electronic money system 1, points are given for payment by value, but it may be configured to be given for charges.
In the electronic money system 1, the electronic money server 2 and the point server are separate servers operated by different operators, but the electronic money operator also provides point services and integrates the functions of the electronic money server 2 and the point server. The system can also be configured.

Furthermore, in the electronic money system 1, points are assigned to one of the registered point services. For example, a point distribution rate is set for each point service, and each point service is set according to the distribution rate. It can also be configured to issue points.
In this case, for example, the electronic money server 2 stores the distribution ratio for each point service as 50% for company A, 30% for company B, 20% for company C, etc. in association with the electronic money function unit ID (distribution ratio storage). Means), points of company A to company C of the settlement amount are calculated based on 50%, 30% and 20% of the settlement amount, respectively.
As a result, the user can accumulate points of each company for value settlement.

In addition, the point calculation ratio (point grant rate) can be changed, for example, “Point A is doubled” for a certain period of time, depending on the request from the point provider or the setting of the electronic money provider. You can also
Furthermore, it is possible to set different point granting modes for each member store (or for each region, for example, for each group).
In this case, it is possible to set a member store to which points are given and a member store to which points are not given, or a member store having a different point calculation ratio.
Since the merchant ID is also written in the transaction log, this can be realized by setting the point calculation ratio for each merchant ID in the electronic money server 2.

In addition, the point calculation ratio can be changed depending on the settlement time, even when no points are given.
Since the settlement time is also recorded in the transaction log, this can be realized by setting the correspondence between the settlement time and the point calculation ratio in the electronic money server 2.

Further, the point calculation ratio can be set on the condition of both the member store ID and the settlement time.
For example, when a payment is made at 17:00 to 22:00 at an X store (specified by the member store ID), a bonus point that is twice as many points is given, and a setting such that no points are given from 0:00 to 5:00 is possible.

In addition, the point grant rate can be set according to the weather, user attributes (for example, gender, age range), and the like.
In this case, the electronic money server 2 has the weather data distribution server record the weather data recorded from the weather data distribution server, and the settlement data (the location of the member store that has settled by the member store ID can be specified). It can be realized by comparing with the payment log or the attribute of the user recorded in the user database.
In this way, increase the point calculation ratio in rainy weather to increase the number of users visiting the store in rainy weather, or increase the point calculation ratio of the target customer segment to increase the number of users visiting the store belonging to the number of customers Can do.

By configuring so as to increase the point calculation ratio on the condition that the same point service is set, registered, or selected for a certain period of time, the user's incentive to participate in the point service can be increased.
For example, if the point service of Company A is continuously registered for 10 months, a form such as double point calculation from the 11th month is possible.

  Furthermore, in this embodiment, when a new registration is made to the point service or a switch is made to another company's point service, there will be a delay of 4 days from the date of the new registration / switching until the point grant actually starts The new registration can be configured so that points are given from the time of registration.

In this case, when the user indirectly registers with the mobile phone 7, the company A point server 61 records the registration date and time, records this in a linked registration file, and transmits it to the electronic money server 2.
The electronic money server 2 receives the association registration file, registers the user, and reflects it four days later.

When the electronic money server 2 performs the first point calculation after the new registration, the transaction date transmitted from the electronic money terminal 8 to the reflection date from the registration date and time recorded in the associated registration file Points are also given to the transaction log.
If comprised in this way, the electronic money server 2 can calculate a point retroactively from a reflection date to registration date.

According to the embodiment described above, the following configuration can be obtained.
A plurality of types based on the amount of money settled using a money terminal comprising: money amount storage means for storing the monetary value amount as electronic data; and amount change means for subtracting the stored amount using subtraction information for settlement A point calculation device for calculating the number of points, a point type storage means for storing a plurality of point types associated with the money terminal, and a selection of a point type to be stored among the stored point types Point selection storage means, payment amount acquisition means for acquiring the amount settled at the money terminal, totalization means for totaling the acquired amount, and the number of points for each of the selected point types based on the total amount And a point output means for outputting the number of points for each of the calculated point types. Point calculation and wherein the door (first configuration).
The point calculation storage device (second configuration) according to the first configuration, wherein the point selection storage means selects a point type most recently associated with the money terminal.
A point type receiving unit that receives a selection of a point type from a terminal device, wherein the point selection storage unit selects a point type that has received the selection; Configuration).
A distribution ratio storage means for storing a point number distribution ratio for each of the selected point types, wherein the point number calculation means calculates the number of points for each point type in accordance with the stored point number distribution ratio; The point calculation device of the first configuration, the second configuration, or the third configuration (fourth configuration).
A point calculation device according to any one of the first to fourth configurations, characterized by comprising point transmission means for transmitting the output number of points to a point server corresponding to the point type. (Fifth configuration).
The point server includes correspondence storage means for storing correspondence between a subject ID for identifying a subject to be issued the number of points and the money terminal, and the point transmission means associates the number of points with the subject ID. Then, a point calculation device having a fifth configuration (sixth configuration) is characterized in that it is transmitted to the point server.
Corresponding to the money terminal via a network, the point server includes a target person ID receiving means for receiving a target person ID for identifying a target person for issuing the number of points, and the correspondence storage means includes the money terminal and the money terminal. A point calculation device having a sixth configuration (seventh configuration), wherein the received subject ID is stored in association with a point server.
A plurality of types based on the amount of money settled using a money terminal comprising: money amount storage means for storing the monetary value amount as electronic data; and amount change means for subtracting the stored amount using subtraction information for settlement A point calculation method performed by a point calculation device for calculating the number of points, wherein the point calculation device stores a plurality of point types associated with the money terminal, and the stored point types A point selection storage means for storing the selection of the type of points to be accumulated, a settlement amount acquisition means, a totaling means, a point number calculation means, and a point output means, wherein the settlement amount acquisition means, A settlement amount acquisition step of acquiring an amount settled at the money terminal, and a counting step of counting the acquired amount by the counting means; The point number calculating means calculates the number of points for each of the selected point types based on the total amount, and the point output means outputs the calculated number of points for each point type. A point calculation method characterized by comprising a point output step (eighth configuration).
A plurality of types based on the amount settled using a money terminal comprising: money amount storage means for storing the monetary value amount as electronic data; and amount change means for subtracting the stored amount using subtraction information to settle the amount A point calculation program for realizing the function of calculating the number of points by a computer, a point type storage function for storing a plurality of point types associated with the money terminal, and among the stored point types, Based on a point selection storage function for storing a selection of point types to be accumulated, a payment amount acquisition function for acquiring an amount settled at the money terminal, a totaling function for totaling the acquired amount, and the total amount Point number calculation function to calculate the number of points for each selected point type, and the number of points for each calculated point type Point calculation program for realizing the point output function of outputting, to a computer (ninth configuration).

(Modification of indirect registration)
Next, a modification when performing indirect registration will be described.
In the case of performing indirect registration in the above-described embodiment, the user has to input the electronic money function unit ID and the A member ID from the mobile phone 7, but in this modification, the indirect registration application and This work is simplified by using the UID notification function provided by the mobile phone 7. This facilitates registration when linking the use of electronic money and the point service.
Here, the UID is individual identification information uniquely assigned to each mobile phone 7 and can be used to specify the mobile phone.

The mobile phone 7 stores a UID in a built-in storage unit, and has a function of notifying the server of its own UID when accessing the server.
The UID is used by the server to identify the mobile phone 7, for example, to provide a different service for each mobile phone 7 or to collect various statistics.

Here, the UID functions as mobile terminal identification information, and the mobile phone 7 functions as a mobile terminal that transmits mobile terminal identification information (UID) to a connection destination site.
In addition, the mobile phone 7 includes a money terminal (electronic money) comprising: money amount storage means for storing the money value amount as electronic data; and money amount change means for subtracting the stored amount by using subtraction information for settlement. It also functions as a portable terminal on which an IC chip 12) having a functional part is formed. The electronic money function unit ID functions as money terminal specifying information.

FIG. 16 is a diagram for explaining a procedure for indirectly registering a user in this modification.
Here, the case where it registers indirectly with A company as an example is demonstrated.
The A company point server 61 is provided with an A member DB 71 that records users registered in the company's point service.

In the A member DB 71, the UID of the user's mobile phone 7 is stored in association with the A member ID assigned to the user by the company A. The company A point server 61 accesses the service site from the mobile phone 7. If there is, the UID is acquired from the mobile phone 7 and the member is specified by the UID.
The A member DB 71 functions as a storage unit that stores the portable terminal identification information (UID) of the portable terminal (cell phone 7) and the subject ID (A member ID) of the point target person in association with each other.

Hereinafter, the procedure for indirect registration will be described according to the numbers in parentheses in the figure.
Before the indirect registration, the user accesses the company A point server 61, becomes a member of the company A point service, and is registered in the member A member DB 71. Therefore, in the A member DB 71, the UID of the mobile phone 7 owned by the user and the A member ID are linked.

(1) First, the user uses the mobile phone 7 to access a service site operated by the company A point server 61.
(2) The company A point server 61 accepts access from the mobile phone 7 and transmits service screen data to the mobile phone 7.

(3) When the mobile phone 7 receives the service screen data from the company A point server 61, the mobile phone 7 displays the service screen on the display using the service screen data. On the service screen, various menus related to the point service are prepared, and one of them is a selection of a service that gives points for use of value.
In the selection menu, a link is set in the indirectly registered application site of the electronic money server 2.

(4) The user operates the mobile phone 7 to select the link. Then, the mobile phone 7 is connected to the indirect registration application site of the electronic money server 2 and activates the indirect registration application if the mobile phone 7 has installed the indirect registration application site. The indirect registration application is downloaded from and installed in the telephone function unit 10 and activated.
The indirect registration application is an application for the mobile phone 7 to perform indirect registration in cooperation with the company A point server 61, and is installed in a computer constituting the telephone function unit 10 to exhibit the indirect registration function.

(5) First, the indirectly registered application accesses the IC chip 12 and reads the electronic money function unit ID.
The indirect registration application stores URLs (Uniform Resource Locators) for indirect registration of the A company point server 61, and encrypts and adds the electronic money function unit ID read at the end of the URL. The reason why the electronic money function unit ID is encrypted is to prevent spoofing registration and the like.

Then, the indirect registration application connects to the A company point server 61 using the URL to which the electronic money function unit ID is added.
The cellular phone 7 notifies its own UID to the A company point server 61 at the time of this connection. The company A point server 61 extracts the encrypted electronic money function part ID from the tail of the URL used by the mobile phone 7 and combines it to obtain the electronic money function part ID.
Thereby, the A company point server 61 can acquire the UID and the electronic money function unit ID in association with each other.

(6) Upon receiving the correspondence between the UID and the electronic money function unit ID from the mobile phone 7, the company A point server 61 searches the A member DB 71 to identify the mobile phone 7 (user).
Since the member A's ID is associated with the retrieved UID, the company A point server 61 associates the electronic money function unit ID acquired from the mobile phone 7 with this member A's ID.
Thereby, A member ID and electronic money functional part ID are linked | related.
Thereafter, the A company point server 61 creates a linked registration file in which the electronic money function unit ID and the A member ID are linked, and transmits the file to the electronic money server 2.
The following processing is the same as in the embodiment described above.

As described above, the indirect registration application installed in the mobile phone 7 reads the electronic money function unit ID from the electronic money function unit, and then connects the mobile phone 7 to the A company point server 61 to connect the A company point server 61. The electronic money function unit ID is transmitted to
When the A company point server 61 receives the electronic money function unit ID and the UID from the mobile phone 7, the A company member ID is searched in the A member DB 71 using the UID as a key, and the searched A member ID and the mobile phone are searched. The electronic money function unit ID received from the telephone 7 is linked.

When the indirectly registered application connects to the A company point server 61, the user may not be a member of the A company yet.
In this case, since the UID received from the mobile phone 7 is not searched in the A member DB 71, the company A point server 61 determines that it is not registered as a user and transmits screen data for registration to the mobile phone 7. .

The company A point server 61 registers the user as a member and registers the association between the UID and the A member ID in the A member DB 71 while maintaining the session by the connection of the indirect registration application. The received electronic money function unit ID is associated with the registered A member ID.
Here, the session is maintained in order to maintain the correspondence between the electronic money function unit ID and UID acquired by connection of the indirect registration application and the identity of the registered UID. This is because the identity of the UID acquired by connection of the indirect registration application and the UID registered as a member cannot be guaranteed when the session is switched.

Next, a screen displayed on the display of the mobile phone 7 when the user performs indirect registration according to the present modification will be described with reference to FIG.
In addition, the provider of the screen is written in parentheses on each screen.
FIG. 17A shows that the company A point server 61 is accessed by the mobile phone 7 and the service screen of the company A is displayed.

Although not shown, the service screen has various menus, and when a menu for collecting points by using value is selected, the screen shown in FIG. 17B is displayed.
On this screen, a link 81 to the indirectly registered application site of the electronic money server 2 is set.

When the user operates the mobile phone 7 and selects the link 81, the mobile phone 7 connects to the indirect registration application site of the electronic money server 2.
Then, the electronic money server 2 transmits screen data for starting or downloading and starting the indirect registration application to the mobile phone 7, and the mobile phone 7 uses this to display the screen shown in FIG. Appears on the display.

This screen includes a download button 82 and an activation button 84. The user selects the download button 82 when the indirect registration application has not yet been installed, and when the indirect registration application has already been installed. The start button 84 is selected.
When the user operates the mobile phone 7 and selects the download button 82, the mobile phone 7 downloads the indirect registration application from the electronic money server 2, installs it in the telephone function unit 10, and automatically activates it. .

On the other hand, when the user selects the activation button 84, the mobile phone 7 activates the indirect registration application already installed.
When the indirect registration application is activated, a screen for performing indirect registration as shown in FIG. 17D is displayed by the indirect registration application. On this screen, a link 83 to the site for indirect registration of Company A is set.

When the user selects the link 83, the indirect registration application accesses the IC chip 12, acquires the electronic money function unit ID, and encrypts it.
Then, the indirect registration application adds the encrypted electronic money function unit ID to the URL of the site for indirect registration of the A company point server 61 stored in advance, and uses this to connect to the A company point server 61. .
At the time of this connection, the mobile phone 7 transmits its UID to the A company point server 61.

When the A company point server 61 receives the UID and the electronic money function unit ID from the mobile phone 7, the A company point server 61 extracts the encrypted electronic money function unit ID from the URL and decrypts it.
Then, the A company point server 61 searches the UID in the A member DB 71 and associates the member A ID associated with the UID with the electronic money function unit ID, as shown in FIG. A confirmation screen is displayed on the mobile phone 7.
On the confirmation screen, the corresponding A member ID and electronic money function unit ID are displayed, and if registration is to be performed, “1. Yes” is selected. Otherwise, “2. "" Is selected.

  When the user selects “1. Yes”, the company A point server 61 confirms and associates the correspondence between the member A member ID and the electronic money function unit ID, and for the association report shown in FIG. The screen is displayed on the mobile phone 7. On this screen, for example, it is displayed that points of company A are accumulated by using the value.

Next, an indirect registration procedure according to this modification will be described using the flowchart of FIG.
First, the mobile phone 7 accesses the service site of the A company point server 61 (step 305).
Then, the company A point server 61 transmits the service screen data to the mobile phone 7 (step 310).

Next, the user selects a link to the indirectly registered application site set on the service screen, and the mobile phone 7 connects to the site of the electronic money server 2 (step 315).
When the electronic money server 2 accepts the connection from the mobile phone 7, the electronic money server 2 transmits the indirect registration app to the mobile phone 7 (if it is not installed) or activates the indirect registration app of the mobile phone 7 (installs it) If present) (step 320).

Next, when the indirect registration application is not installed, the mobile phone 7 receives and installs the indirect registration application from the electronic money server 2 and activates it. If an indirect registration application has already been installed, it is activated (step 325).
If an indirect registration application is already installed in the mobile phone 7, the process can be started from step 325.
When the indirect registration application is activated, it accesses the IC chip 12 and reads the electronic money function unit ID (step 330).

Next, the indirect registration application encrypts the read electronic money function unit ID and adds it to the tail of the URL of the indirect registration site of the A company point server 61, and uses this to connect to the A company point server 61. .
Thereby, the cellular phone 7 transmits the electronic money function unit ID to the A company point server 61 and transmits its own UID to the A company point server 61 by the UID transmission function of the cellular phone 7 (step 335).

  As described above, the indirect registration application is incorporated in a mobile terminal (mobile phone 7) in which a money terminal (IC chip 12 having an electronic money function unit) is formed and transmits mobile terminal identification information (UID) to a connection destination site. Point server connected to a money terminal specifying information acquisition function for acquiring money terminal specifying information (electronic money function unit ID) for specifying a money terminal, and a predetermined point server (A company point server 61) A computer (such as a CPU of the telephone function unit 10) mounted on a portable terminal in which a monetary terminal is formed, and a connection function and a monetary terminal identification information transmission function for transmitting the acquired monetary terminal identification information to the connected point server. ) Is functioning as an application program.

The mobile phone 7 includes a money terminal (IC chip 12 having an electronic money function unit), a money terminal specifying information acquisition unit for acquiring money terminal specifying information (electronic money function unit ID) for specifying the money terminal, and , Mobile terminal identification information (UID), portable terminal identification information acquisition means for acquiring the stored mobile terminal identification information, point server connection means for connecting to the A company point server 61, and the connected A company point server 61 is functioning as a mobile terminal provided with a transmission means for transmitting the acquired money terminal specifying information (electronic money function unit ID) and mobile terminal identification information (UID) in association with each other.
Note that the UID notified to the A company point server 61 when the mobile phone 7 is connected to the A company point server 61 and the notification of the electronic money function unit ID belong to the same session, and thus are associated with each other.

Next, the company A point server 61 receives the UID from the mobile phone 7 and extracts the encrypted electronic money function unit ID from the URL used by the mobile phone 7 for connection, and decrypts it.
In this way, the A company point server 61 is connected to the mobile terminal (the mobile phone 7) on which the money terminal (the IC chip 12 including the electronic money function unit) is formed, and the mobile terminal is connected to the mobile terminal. Receiving means for receiving the money terminal identification information (electronic money function unit ID) for identifying the money terminal formed in the above and the portable terminal identification information (UID) of the portable terminal in association with each other.

Next, the A company point server 61 searches the A member DB 71 for the UID and specifies the user (step 340).
Next, the A company point server 61 associates and stores the decrypted electronic money function unit ID with the A member employee ID associated with the UID in the A member member DB 71 (step 345).

  Since it is the electronic money server 2 that requires this association, the company A point server 61 does not necessarily associate the A member ID and the electronic money function unit ID after transmitting the association registration file to the electronic money server 2. There is no need to remember.

  Thus, the A company point server 61 searches the storage means (A member DB 71) for the mobile terminal identification information (UID) received from the mobile terminal (mobile phone 7), and the mobile device searched by this search means. Provided with a linking means for linking the target person ID (A member ID) associated with the terminal identification information (UID) and the money terminal identification information (electronic money function unit ID) received from the mobile phone 7 ing.

  If the UID cannot be searched in the A member DB 71, the user is not registered in the point service of the company A, so the company A point server 61 maintains the session and associates it with the UID. After issuing the A member ID and registering for the point service, the member A's ID and the electronic money function unit ID are linked.

  Thus, when the mobile terminal identification information (UID) received from the mobile terminal (mobile phone 7) is not searched by the search means, the company A point server 61 maintains the session with the mobile terminal while maintaining the target. The mobile terminal identification information received from the mobile phone 7 after issuing the personal ID (A member ID) and linking and storing the target personal ID and the mobile terminal identification information (UID) of the mobile terminal Can be linked.

The company A point server 61 associates the UID of the mobile phone 7 with the electronic money function unit ID and then uses this to generate a registration file for registration as in the embodiment described above to generate the electronic money server 2. Send to.
In this way, the company A point server 61 uses the payment amount of the monetary terminal for the associated person ID (A member ID) and the monetary terminal identification information (electronic money function unit ID). Linking information transmitting means for transmitting to a point calculation device (electronic money server 2) for calculating points for

After that, the A company point server 61 receives the number of points for the A member ID from the electronic money server 2 as in the embodiment described above.
In this way, the company A point server 61 obtains point specifying information (point number) for specifying a point for the target person ID (A member ID) transmitted from the point calculation device (electronic money server 2) using the association registration file. A point specifying information receiving means for receiving is provided.

In the above, the indirect registration application is downloaded from the electronic money server 2 to the mobile phone 7 and installed and used, but other forms are also possible.
For example, a menu that exhibits the same function as an indirect registration application can be prepared in an application relating to a value incorporated in the mobile phone 7, and the indirect registration can be performed by selecting the menu.

In addition, when the user newly registers to the Company A point server 61 from the mobile phone 7, the user is asked to ask, “Do you want to collect points by using value?” Can be configured.
In this case, registration to the point member of Company A and indirect registration can be performed in succession, so that the convenience for the user can be improved and the indirect registration rate can be increased.

Further, in the present modification, the UID is used as the individual identification information of the mobile phone 7, but other forms of individual identification information can also be used.
The hardware configuration of the company A point server 61 is the same as that of the electronic money server 2 shown in FIG. 6, and includes a CPU, ROM, RAM, communication control unit, storage unit, and the like. A member of society DB71 is formed.
The A member DB 71 is formed in the storage unit, and the processing of the A company point server 61 described with reference to FIG. 18 is performed by the CPU of the A company point server 61 according to a predetermined program.

The following effects can be obtained by this modification described above.
(1) Since the indirect registration application reads the electronic money function unit ID, it is possible to save the user from inputting the electronic money function unit ID during indirect registration.
(2) Since the indirect registration application reads the electronic money function unit ID, an input error of the electronic money function unit ID can be prevented.
(3) The company A point server 61 can link the A member ID and the electronic money function unit ID using the UID as a key.
(4) Since the UID is used as a key, the company A point server 61 can easily determine whether the user who performs indirect registration is already a member of the company.

It is a figure for demonstrating the outline | summary of an electronic money system. It is the figure which showed the network structure of the electronic money system. It is a figure for demonstrating the outline | summary of a point provision procedure. It is the conceptual diagram which showed an example of the structure of a mobile telephone. It is the figure which showed the hardware-like structure of the electronic money terminal. It is the figure which showed the hardware-like structure of the electronic money server. It is a figure for demonstrating logical structures, such as a user database. It is the figure which showed the logical structure of the service registration database. It is the figure which showed the logical structure of the point effective database. It is a figure for demonstrating the grace period after a user registers and selects a point. It is a flowchart for demonstrating the procedure in the case of providing a point service by indirect registration. It is a flowchart for demonstrating the procedure in the case of providing a point service by direct registration. It is a flowchart for demonstrating the procedure of a point calculation process. It is a flowchart for demonstrating the procedure which switches selection of point service. It is a flowchart for demonstrating the procedure which changes and deletes the registration information of point service. It is a figure for demonstrating the modification of indirect registration. It is a figure for demonstrating the various screens which concern on a modification. It is a flowchart for demonstrating the procedure of the indirect registration which concerns on a modification.

Explanation of symbols

1 Electronic Money System 2 Electronic Money Server 4 Internet 5 Base Station 6 Electronic Money Card 7 Mobile Phone 8 Electronic Money Terminal 9 User Terminal 61 Company A Point Server 62 Company B Point Server 71 Company A Member DB

Claims (6)

Storage means for storing the portable terminal identification information of the portable terminal and the target person ID of the point target person,
An amount storage means for storing the amount of money value as electronic data; and an amount change means for subtracting the stored amount using subtraction information and making a settlement, and is connected to a portable terminal formed with a money terminal, Receiving means for receiving, from the connected mobile terminal, the money terminal specifying information for specifying the money terminal formed on the mobile terminal and the mobile terminal identification information of the mobile terminal in association with each other;
Search means for searching the received portable terminal identification information in the storage means;
An association means for associating the target person ID associated with the retrieved mobile terminal identification information and the received money terminal identification information;
A point server comprising:   The linking information transmitting means for transmitting the linked target person ID and the money terminal specifying information to a point calculation device that calculates points for the target person ID using the settlement amount of the money terminal. The point server according to claim 1, wherein:   The point server according to claim 1 or 2, further comprising point specifying information receiving means for receiving point specifying information for specifying a point for the transmitted subject ID from the point calculation device.   If the received mobile terminal identification information is not searched by the search means, issue a target person ID while maintaining a session with the mobile terminal, and determine the target person ID and the mobile terminal identification information of the mobile terminal. 4. The claim 1, claim 2, or claim 3, wherein after being associated and stored, the association means associates the issued subject ID with the received mobile terminal identification information. Point server. A money terminal comprising a money amount storage means for storing a monetary value amount as electronic data, and a money amount changing means for subtracting the stored amount using subtraction information and making a settlement is formed, and is connected to a connected site. An application program embedded in a mobile terminal that transmits terminal identification information,
A money terminal specifying information acquisition function for acquiring money terminal specifying information for specifying the formed money terminal;
A point server connection function for connecting to the point server according to any one of claims 1 to 4,
A money terminal specifying information transmitting function for transmitting the acquired money terminal specifying information to the connected point server;
An application program for causing a computer mounted on a portable terminal on which the money terminal is formed. A money terminal comprising: money amount storage means for storing the amount of money value as electronic data; and amount change means for subtracting the stored amount using subtraction information to settle the amount,
Money terminal specifying information acquiring means for acquiring money terminal specifying information for specifying the money terminal;
Mobile terminal identification information storing means for storing mobile terminal identification information and acquiring the stored mobile terminal identification information;
The point server connection means for connecting to the point server according to any one of claims 1 to 4, and the acquired money terminal specifying information and the acquired mobile phone to the connected point server. Transmitting means for associating and transmitting terminal identification information;
A portable terminal comprising:

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