JP2018136817A - Electronic money terminal, server device, electronic money processing method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To conventionally have no electronic money terminal capable of withdrawing electronic money only to a specific terminal. SOLUTION: A deposit information storage unit for storing deposit information which is deposit information, a deposit information reception unit for receiving deposit information, and a deposit information for storing deposit information received by the deposit information reception unit in the deposit information storage unit. A storage unit, a withdrawal instruction receiving unit that accepts withdrawal instructions from a specific terminal, and a withdrawal processing unit that performs withdrawal processing that changes the deposit information of the deposit information storage unit in response to the acceptance of withdrawal instructions. With the electronic money terminal equipped with the above, withdrawals can be made only to a specific terminal. [Selection diagram] Fig. 1

Description

  The present invention relates to an electronic money terminal or the like that can deposit and withdraw money.

  Conventionally, a plurality of identification data for identifying purposes of use such as book purchase / food expenses, and usage limit amount data that is set in accordance with each identification data and limits the amount of money used, and received from the outside There has been an electronic money card that compares data with stored identification data and permits the withdrawal of electronic money within the range of usage limit data corresponding to the matched identification data (see, for example, Patent Document 1). ).

JP 11-31190 A

  Conventionally, school fees for school lunches, teaching materials, etc. are mainly cash, and it is usually required that students have the requested amount so that no change is required. In addition, for example, even when a plurality of bills such as school expenses and photo charges are at the same time, such as at the end of the month, it is necessary to provide cash separately for each bill, not the total amount. If electronic money can also be used for payment to the school, it is possible to save the trouble of preparing cash so that change is unnecessary, and convenience is improved.

  However, since conventional general electronic money can be widely used not only in schools, it is not preferable in terms of safety to give students this. With the above-described conventional electronic money card, although the amount of withdrawal can be restricted depending on the purpose of use, the withdrawal destination cannot be restricted to a specific terminal such as a school terminal.

  Thus, conventionally, there has been no electronic money terminal that can withdraw money only from a specific terminal.

  The electronic money terminal according to the first aspect of the present invention includes a deposit information storage unit for storing deposit information as deposit information, a deposit information receiving unit for receiving deposit information, and deposit information received by the deposit information receiving unit. A deposit information accumulation unit that accumulates in the storage unit, a withdrawal instruction reception unit that accepts withdrawal instructions from a specific terminal, and a withdrawal process that changes the deposit information in the deposit information storage unit in response to receipt of the withdrawal instruction An electronic money terminal comprising a withdrawal processing unit for

  With this configuration, electronic money can be withdrawn only to a specific terminal.

  The electronic money terminal according to the second aspect of the present invention further comprises a billing information storage unit for storing billing information relating to billing, as compared with the first invention, and the withdrawal processing unit accepts withdrawal instructions. Accordingly, the electronic money terminal performs a withdrawal process for changing the deposit information corresponding to the billing information.

  With this configuration, it is possible to withdraw the electronic money for the requested amount only to a specific terminal.

  Further, in the electronic money terminal of the third invention, in contrast to the second invention, two or more billing information is stored in the billing information storage unit, and two or more billing information is two or more specific terminals. The withdrawal processing unit is associated with at least one specific terminal, and the withdrawal processing unit changes withdrawal information corresponding to the billing information corresponding to the specific terminal that has transmitted the withdrawal instruction. It is an electronic money terminal that performs processing.

  With this configuration, it is possible to withdraw electronic money for the amount charged in association with one specific terminal among the two or more specific terminals only to the one specific terminal.

  The second or third invention further includes a refund instruction receiving unit that receives a refund instruction, and a refund processing unit that performs a refund process for changing the deposit information in the deposit information storage unit according to the refund instruction. That is preferred.

  With this configuration, the electronic money that has been withdrawn can be refunded.

  Further, in any one of the first to third inventions or the above configuration, a user identifier storage unit storing a user identifier for identifying a user, an account refund instruction receiving unit for receiving an account refund instruction, and an account refund instruction Accordingly, it is preferable to further include an account refund processing unit that performs an account refund process, which is a process of refunding an amount corresponding to the deposit information in the deposit information storage unit to an account corresponding to the user identifier.

  With this configuration, it is possible to refund the withdrawn electronic money to the user account.

  The server device according to the fourth aspect of the invention includes a server deposit information storage unit that stores deposit information as deposit information in association with a user identifier, and an electronic money terminal or a specific terminal that communicates with a specific terminal. A payment processing corresponding to the payment instruction using the payment information that is paired with the user identifier included in the payment instruction in response to the reception of the payment instruction. A server device including a server settlement processing unit.

  With this configuration, payment can be made only by an instruction from a specific terminal that communicates with the electronic money terminal.

  The server device of the fifth invention further includes a server billing information storage unit for storing one or more billing information related to billing, as compared with the fourth invention, and the server settlement processing receives a settlement instruction. Accordingly, the server apparatus performs the settlement processing for the billing information corresponding to the settlement instruction of the user identified by the user identifier included in the settlement instruction.

  With this configuration, it is possible to settle a charge to the user of the electronic money terminal only by an instruction from the electronic money terminal or a specific terminal that communicates with the electronic money terminal.

  Further, in the server device of the sixth invention, in contrast to the fifth invention, two or more billing information is stored in the server billing information storage unit, and each billing information is a terminal identifier for identifying a specific terminal. The payment instruction includes a user identifier and a terminal identifier of a specific terminal that has communicated with the electronic money terminal, and the server payment processing unit receives the payment instruction, and the user included in the payment instruction This is a server device that can only perform payment processing for billing information associated with a terminal identifier of a payment instruction of a user identified by an identifier.

  With this configuration, it is possible to receive an instruction from a specific terminal that communicates with the electronic money terminal and charge only the charge corresponding to the specific terminal, which is a charge to the user of the electronic money terminal.

  In the fifth or sixth invention, a server refund instruction accepting unit that accepts a refund instruction, and a server refund information constituting unit that constitutes refund information having amount information indicating an amount to be refunded in accordance with the refund instruction, It is preferable to further include a server refund information transmission unit that transmits the refund information to the electronic money terminal.

  With this configuration, a refund can be made to the electronic money terminal.

  Further, in the above configuration, a server deposit information storage unit that stores deposit information in association with the user identifier is further provided, and the server refund instruction receiving unit receives a refund instruction having the user identifier from an external device. It is preferable that the server refund information configuration unit obtains the deposit information paired with the user identifier included in the refund instruction from the server deposit information storage unit and configures the refund information using the deposit information.

  With this configuration, a refund to the user's electronic money terminal can be made according to an instruction from the outside.

  Further, in the fifth or sixth invention, the billing information includes deadline information indicating a deadline, a server refund information component that constitutes refund information corresponding to the billing information that has passed the deadline indicated by the deadline information, and a refund It is preferable to further include a server refund information transmission unit that transmits information to the electronic money terminal.

  With this configuration, it is possible to refund a charge that has expired.

  According to the present invention, electronic money can be withdrawn only to a specific terminal.

Block diagram of the electronic money system in the first embodiment Flow chart for explaining the operation of the electronic money terminal Data structure diagram of the same deposit information Data structure diagram of the billing information Block diagram of an electronic money system in the second embodiment Flow chart for explaining the operation of the server device Flow chart for explaining the operation of the electronic money terminal Data structure diagram of the same deposit information Data structure diagram of the billing information External view of the computer system The figure which shows an example of an internal structure of the computer system

  Hereinafter, two embodiments of an electronic money system including an electronic money terminal that can be deposited from an arbitrary terminal such as a guardian terminal and can be withdrawn only to a specific terminal such as a school terminal will be described with reference to the drawings. The description will be given with reference. In addition, since the component which attached | subjected the same code | symbol in each embodiment performs the same operation | movement, re-explanation may be abbreviate | omitted.

(Embodiment 1)
In this embodiment, an electronic money system is described in which billing information is stored in an electronic money terminal, and withdrawal corresponding to the billing information is performed by communication between a specific terminal such as a school terminal and the electronic money terminal. . The specific terminal will be described later.

  In addition, the billing information has a terminal identifier that can be withdrawn for each item such as school lunch fee and teaching material fee, and the withdrawal corresponding to the billing information is performed by the terminal identified by the terminal identifier of the billing information. The electronic money system will be described.

  An electronic money system that can be refunded (for example, refunded to an electronic money terminal) through communication between a specific terminal and the electronic money terminal will be described.

  In addition, an electronic money system in which a refund is made to a corresponding account by communication between a specific terminal and the electronic money terminal will be described.

  FIG. 1 is a block diagram of an electronic money system 100 in the present embodiment. The electronic money system 100 includes one or two or more electronic money terminals 1, one or two or more school terminals 2, and one or two or more guardian terminals 3. The electronic money terminal 1 includes a short-range wireless communication module that is a module that performs short-range wireless communication, such as Felica (registered trademark) and MIFARE (registered trademark). However, the type of short-range wireless is not limited. In addition, the electronic money terminal 1 is not limited to the short-range wireless communication module, and may have any communication means.

  The electronic money terminal 1 can perform short-range wireless communication with another device having the same type of short-range wireless communication module. The school terminal 2 and the guardian terminal 3 also have the same kind of short-range wireless communication module, and the electronic money terminal 1 communicates with the school terminal 2 or the guardian terminal 3 that exists within the communication range of the short-range wireless communication module. Short-distance wireless communication can be performed between them. In the following, such near field communication may be simply referred to as communication. Communication usually includes one or more of transmission and reception.

  Note that the school terminal 2 and the guardian terminal 3 usually have a communication module for performing communication via a network such as a LAN or the Internet, a wireless or wired communication line, and a server device (not shown). It is also possible to communicate with each other via a network or the like. The server device is, for example, a server of a financial institution such as a card company or a bank, or a server of a company that operates the electronic money system 100, but the type and location thereof are not limited. For example, the server device performs processing such as withdrawal from an account, transfer between accounts, and refund to the account. However, the communication with the server device or the like is a known technique and is not the gist of the present embodiment, so the description is omitted.

  The electronic money terminal 1 is usually an IC card, but may be a portable terminal having the function of an IC card. Examples of the portable terminal include a smartphone, a tablet terminal, a mobile phone, and a notebook PC, but the type is not limited. In this embodiment, the electronic money terminal 1 is carried by a school student or a guardian thereof.

  The school terminal 2 is a school terminal. The school terminal 2 is, for example, a PC installed in a school, but may be a portable terminal carried by a school staff or the like. The school staff is, for example, a teacher or a clerk, but may be any person who manages expenses such as school expenses and teaching materials. The school is, for example, an elementary school or a junior high school, but may be a kindergarten, a private school, a swimming school, etc.

  The guardian terminal 3 is a guardian's terminal. The parent is, for example, the parent of the student, but may be anyone who pays the expenses. The guardian terminal 3 is, for example, a portable terminal carried by the guardian, a PC at the guardian's house, or the like. However, the guardian terminal 3 may be, for example, a convenience store cash register terminal, a station ticket vending machine, or the like, and any type can be used as long as it is a terminal capable of depositing an IC card. The deposit may be cash deposit, deposit from an account, or deposit using a credit card, and any method may be used.

  Note that the electronic money system 100 is not limited to the school terminal 2 and generally only needs to include a specific terminal. The specific terminal may be, for example, a terminal installed in a specific place, a terminal operated by a specific person, or a terminal connected to a specific network. It can also be said that the specific terminal is a terminal identified by a specific terminal identifier.

  In general, a terminal identifier is information for identifying a terminal, such as a MAC address, an IP address, or an ID. The specific terminal identifier may also be a MAC address or the like, but is preferably encrypted with a key such as a password in order to increase security. However, the specific terminal identifier may be person identification information for identifying a person who can operate a specific terminal such as the school terminal 2. The person identification information may be, for example, an e-mail address, a telephone number, an ID, or the like, but it is preferable that the person identification information is also encrypted. Or person identification information may be biometrics information, such as a fingerprint, for example, and the kind is not ask | required. It is more preferable that the specific terminal identifier is, for example, information including a general terminal identifier and such person identification information.

  It is preferable that various information described later is also encrypted. However, known techniques can be used for encryption, authentication processing for decrypting encrypted information, and the like, and since it is not a main feature of the present invention, it is not particularly mentioned below.

  Alternatively, the specific terminal may be a terminal that can withdraw money from the electronic money terminal 1. For example, the electronic money terminal 1 stores one or more terminal identifiers as a withdrawal destination, and withdraws only to a terminal identified by the one or more terminal identifiers. When configured as described above, it may be one or more terminals identified by the one or more terminal identifiers.

  On the other hand, the guardian terminal 3 may be paraphrased as a terminal capable of depositing the electronic money terminal 1. The terminal capable of depositing is configured such that, for example, the electronic money terminal 1 stores one or more terminal identifiers as a deposit source and deposits only from a terminal identified by the one or more terminal identifiers. If there are, one or more terminals identified by the one or more terminal identifiers may be used. However, since it is usually not necessary to limit the terminal of the deposit source, such an identifier need not be stored. For this reason, it can also be said that the guardian terminal 3 is an arbitrary terminal.

  The electronic money terminal 1 includes a storage unit 11, a reception unit 12, and a processing unit 13. The storage unit 11 includes a user identifier storage unit 111, a deposit information storage unit 112, and a billing information storage unit 113. The receiving unit 12 includes a deposit information receiving unit 121, a withdrawal instruction receiving unit 122, a refund instruction receiving unit 123, and an account refund instruction receiving unit 124. The processing unit 13 includes a deposit information accumulation unit 131, a withdrawal processing unit 132, a refund processing unit 133, and an account refund processing unit 134.

  The school terminal 2 includes a school reception unit 21 and a school transmission unit 22. The guardian terminal 3 includes a guardian reception unit 31 and a guardian transmission unit 32.

  The storage unit 11 constituting the electronic money terminal 1 can store various types of information. The various information includes, for example, a user identifier described later, deposit information described later, billing information described later, and the like. It is preferable that the storage unit 11 stores at least one terminal identifier for identifying a specific terminal such as the school terminal 2.

  The user identifier storage unit 111 stores a user identifier. The user identifier is information for identifying a user. The user is a user of the electronic money terminal 1 and is usually a student in the present embodiment. The user identifier may be, for example, a school name / class name / name (XX Elementary School, 1st class, 2nd class, Taro Yamada, etc.), a telephone number, or an ID (for example, a student ID number). Any information that can be identified may be used.

  The storage unit 11 preferably stores one or more account identifiers for identifying user accounts. The account identifier is composed of, for example, a financial institution code and an account number, but is not limited thereto.

  The deposit information storage unit 112 stores deposit information. Deposit information is information on deposit. The deposit is a deposit to the electronic money terminal 1. The deposit may be a deposit by cash or an electronic deposit from an account on the user side (for example, an account withdrawal). The deposit may be performed once or twice or more. Note that the withdrawal described later is a withdrawal from the electronic money terminal 1. Withdrawal can also be withdrawn in cash or electronically withdrawn to a school account (for example, account transfer). The withdrawal may also be performed once or twice or more.

  The deposit information usually includes monetary information indicating the deposited amount (deposit amount). The deposit amount may be a total amount due to two or more deposits. The amount information may be a remaining amount obtained by subtracting the amount of money (withdrawal amount: details will be described later) from the amount of money received. The amount information may be information including a deposit amount, a withdrawal amount, and a remaining amount.

  The deposit information may include, for example, money amount information indicating a deposit amount and date / time information indicating a deposit date / time (payment date / time). The deposit information usually includes one or more pairs of deposit amount and deposit date / time.

  Further, the deposit information may have, for example, an item identifier (for example, a school lunch fee, a photo fee, etc.) described later.

  The deposit information may further include, for example, money amount information indicating a withdrawal amount and date / time information indicating a date and time of withdrawal (withdrawal date and time). The deposit information usually includes one or more pairs of deposit amount and deposit date and time, and may further include one or more pairs of deposit amount and deposit date and time. The deposit information includes one or more pairs of the deposit amount and deposit date / time, and if the deposit information includes one or more pairs of the withdrawal amount and deposit date / time, the sum of the one or more deposit amounts is further added. It is also preferable to include a remaining amount that is an amount obtained by subtracting the total withdrawal amount obtained by summing the one or more withdrawal amounts from the total deposit amount.

  Alternatively, the deposit information may be considered to include, for example, one or more pairs of a deposit amount, a deposit date and a remaining amount at the time. Also in this case, the deposit information includes one or more pairs of the deposit amount, deposit date / time, and the remaining amount at the time point, and further includes the withdrawal amount, the withdrawal date / time, and the remaining amount at the time point. One or more sets may be included. In addition, the said time point means the time when the deposit or withdrawal is completed. The balance at that time is subtracted from the total sum of one or more deposits deposited up to that point, and the total sum of one or more withdrawals deposited up to that point. Forehead.

  In a specific example to be described later, one or more pairs of the deposit amount, the date and time, and the remaining amount at the time point as described above are included, and the withdrawal amount, the date and time, and the remaining amount at the time point are further included. Information including at least one set is called deposit / withdrawal management information. In this case, the former group can be called deposit information, and the latter group can be called withdrawal information. That is, the deposit / withdrawal management information is a set of one or more deposit information, which is a combination of the deposit amount, date / time, and the remaining amount at the time point, a withdrawal amount, date / time, and the remaining amount at the time point. It may be defined as information including one or more withdrawal information. Of the two or more remaining amounts included in the deposit / withdrawal management information, the latest remaining amount is the current remaining amount of the electronic money terminal 1. This also applies to the specific example of the second embodiment. However, the data structure of the deposit information does not matter.

  The billing information storage unit 113 stores one or more billing information. The billing information is information regarding billing. The billing information includes money amount information indicating a billing amount (billing amount). The billing information preferably has an item identifier in addition to the amount information. The item identifier refers to information for identifying a billing item. The billing item is, for example, a school lunch fee, a teaching material fee, a photo fee, etc., but is not limited thereto. Further, the billing information may also include time limit information. The term information is information relating to the billing term. The deadline for the billing is, for example, a settlement date for settlement of billing or a graduation date for graduating from school. The settlement date may be, for example, one date such as January 10, 2017, the end of the month, or 27th of every month.

  Furthermore, the billing information is associated with at least one school terminal 2 among the two or more school terminals 2 installed in the school, and the billing information storage unit 113 includes two or more billing information, It is preferable to store a pair with a terminal identifier or a group of terminal identifiers for identifying one or more school terminals 2 corresponding to the billing information. Note that storing in pairs includes a case where the billing information has a terminal identifier or a terminal identifier group.

  The billing information may be stored in the billing information storage unit 113 in advance, or may be received by the receiving unit 12 described later and accumulated in the billing information storage unit 113.

  The receiving unit 12 receives various types of information. The various information includes, for example, deposit information, withdrawal instruction, refund instruction, account refund instruction, and the like. The accepting unit 12 usually accepts billing information. The receiving unit 12 usually receives various types of information from the school terminal 2 or the guardian terminal 3, but may be received by an input device such as a keyboard or read from a recording medium such as a disk or a semiconductor memory. It doesn't matter.

  The deposit information receiving unit 121 receives deposit information. The deposit information receiving unit 121 normally receives deposit information from the guardian terminal 3, but may be received from any terminal other than the guardian terminal 3, for example.

  The withdrawal instruction receiving unit 122 receives a withdrawal instruction. The withdrawal instruction receiving unit 122 normally receives the withdrawal instruction from the school terminal 2, but may receive it from a specific terminal other than the school terminal 2, for example. The withdrawal instruction is a withdrawal instruction from the electronic money terminal 1. The withdrawal instruction usually has a terminal identifier for identifying a specific terminal such as the school terminal 2 that has transmitted the withdrawal instruction. Also, the withdrawal instruction usually has amount information indicating the amount to be withdrawn (withdrawal amount). Alternatively, the withdrawal instruction may have one or more pairs of amount information and item identifiers.

  The refund instruction receiving unit 123 receives a refund instruction. The refund instruction receiving unit 123 normally receives a refund instruction from the school terminal 2, but may receive it from a specific terminal other than the school terminal 2. The refund instruction is an instruction for refund to the electronic money terminal 1. The refund instruction usually has a terminal identifier for identifying a specific terminal such as the school terminal 2 that has transmitted the refund instruction. Also, the refund instruction usually has amount information indicating the amount of money to be refunded (return amount). Alternatively, the refund instruction may have one or more pairs of amount information and item identifiers.

  The account refund instruction receiving unit 124 receives an account refund instruction. The account refund instruction reception unit 124 normally receives an account refund instruction from the school terminal 2, but may receive the account refund instruction from a specific terminal other than the school terminal 2, for example. The account refund instruction is an instruction to refund the account of the user of the electronic money terminal 1. The account refund instruction usually has amount information indicating the amount of refund, but it does not have to be present. The account refund instruction accepting unit 124 is an account refund instruction that does not have money amount information indicating the refund amount, and accepts an account refund instruction that is an instruction to refund the balance of the electronic money terminal 1 to the account, for example, upon graduation. Is preferred. However, the timing of accepting an account refund instruction does not matter.

  The processing unit 13 performs various processes. The various processes are, for example, processes such as a deposit information accumulation unit 131, a withdrawal processing unit 132, a refund processing unit 133, and an account refund processing unit 134. The various types of processing include various types of determination described with reference to flowcharts.

  The deposit information accumulating unit 131 accumulates the deposit information received by the deposit information receiving unit 121 in the deposit information storage unit 112.

  The withdrawal processing unit 132 performs a withdrawal process. Withdrawal processing refers to processing related to withdrawal. Withdrawing is withdrawing from the electronic money terminal 1. The withdrawal process is, for example, a process of changing the deposit information stored in the deposit information storage unit 112 in response to the withdrawal instruction received by the withdrawal instruction receiving unit 122. The withdrawal process is usually to reduce the amount corresponding to the amount information included in the withdrawal instruction.

  The withdrawal process may be a process for changing the deposit information for the amount corresponding to the billing information. Further, it is preferable that the withdrawal process is a process of changing the deposit information corresponding to the billing information corresponding to the specific terminal that has transmitted the withdrawal instruction.

  In the withdrawal process, a process for notifying another apparatus such as a server apparatus may be performed. The notification usually includes a user identifier and withdrawal instruction information. The notification is usually transmitted via the network, and the notification via the network includes, for example, notification by mail. Further, in the withdrawal process, display of withdrawal instruction information and the like, display of the withdrawal amount and the remaining amount, printout, and the like may be performed.

  The refund processing unit 133 performs a refund process. The refund process is a process related to refund. Refund means returning the paid price. The refund process is, for example, a process of changing the deposit information stored in the deposit information storage unit 112 in accordance with the refund instruction received by the refund instruction receiving unit 123. The refund process is usually a process of increasing the amount corresponding to the amount information included in the refund instruction.

  In the refund process, a process for notifying other devices such as a server device may also be performed. The notification in this case usually includes a user identifier and information on a refund instruction. In the refund process, display of refund instruction information and the like, display of the refund amount and remaining amount, printout, and the like may be performed.

  The account refund processing unit 134 performs account refund processing. In the account refund process, the amount corresponding to the deposit information stored in the deposit information storage unit 112 is stored in the user identifier storage unit 111 in accordance with the account refund instruction received by the account refund instruction reception unit 124. This is a process of refunding the account corresponding to the user identifier. The amount to be refunded is, for example, the amount corresponding to the amount information when the account refund instruction has amount information, and the amount corresponding to the remaining amount when the account refund instruction does not have amount information. There may be.

  The school reception part 21 which comprises the school terminal 2 receives various information. The various information includes, for example, a withdrawal instruction, a refund instruction, an account refund instruction, and the like. The school reception unit 21 may also receive billing information. The school reception unit 21 receives a withdrawal instruction or the like via an input device such as a keyboard, for example.

  The school transmission unit 22 usually transmits various types of information to the electronic money terminal 1. The various information includes, for example, a withdrawal instruction, a refund instruction, an account refund instruction, and the like. The school transmitter 22 may also transmit billing information. The school transmission unit 22 transmits, for example, a withdrawal instruction received by the school reception unit 21 to the electronic money terminal 1 via short-range wireless communication, for example.

  The guardian accepting unit 31 constituting the guardian terminal 3 accepts various types of information. The various information is, for example, payment information. The guardian accepting unit 31 accepts the payment information via an input device such as a keyboard.

  The guardian transmission unit 32 transmits the payment information received by the guardian reception unit 31 to the electronic money terminal 1 via, for example, short-range wireless communication.

  The electronic money terminal 1 may further include a transmission unit (not shown). The transmission unit transmits, for example, billing information stored in the billing information storage unit 113 to the guardian terminal 3.

  Further, the guardian terminal 3 may further include a guardian receiving unit (not shown) and a guardian output unit (not shown). For example, the guardian reception unit receives billing information from the electronic money terminal 1. The guardian output unit outputs, for example, billing information received by the guardian receiver through an output device such as a display. The output billing information is not necessarily the same as the received billing information.

  The storage unit 11, the user identifier storage unit 111, the deposit information storage unit 112, and the billing information storage unit 113 are preferably non-volatile recording media such as a hard disk and a flash memory, but may be volatile recording media such as a RAM. It is feasible.

  The process in which information is stored in the storage unit 11 or the like is not limited. For example, information may be stored in the storage unit 11 or the like via a recording medium, or information transmitted via a network or a communication line may be stored in the storage unit 11 or the like. Alternatively, information input via the input device may be stored in the storage unit 11 or the like. The input device may be anything such as a keyboard, a mouse, and a touch panel.

  Even if the reception unit 12, the deposit information reception unit 121, the withdrawal instruction reception unit 122, the refund instruction reception unit 123, the school reception unit 21, and the guardian reception unit 31 are considered to include an input device, they are not included. Also good. The receiving unit 12 or the like can be realized by driver software of the input device or by the input device and its driver software.

  The reception function of the reception unit 12 or the like is usually realized by a short-range wireless communication means (for example, a short-range wireless communication module such as Felica (registered trademark)), but receives information via a network, a communication line, or the like. (For example, a communication module such as a network card or a modem).

  The school transmission unit 22 and the guardian transmission unit 32 are also usually realized by short-range wireless communication means, but are realized by means (for example, a communication module) for transmitting information via a network, a communication line, or the like. May be.

  The processing unit 13, the deposit information storage unit 131, the withdrawal processing unit 132, the refund processing unit 133, and the account refund processing unit 134 can be usually realized by an MPU, a memory, or the like. The processing procedure of the processing unit 13 or the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

  Next, the operation of the electronic money system 100 will be described using the flowchart of FIG. In addition, the description regarding the already mentioned matter is abbreviate | omitted or simplified. FIG. 2 is a flowchart for explaining the operation of the electronic money terminal 1.

  (Step S201) The processing unit 13 determines whether or not the deposit information receiving unit 121 has received the deposit information. Note that in this flowchart, accepting is normally receiving, but also includes accepting via an input device such as a touch panel.

  Specifically, for example, when the electronic money terminal 1 is held over the guardian terminal 3 and short-range wireless communication is possible between the two, the guardian terminal 3 receives money via an input device such as a touch panel. When the information is received and short-range wireless communication with the electronic money terminal 1 becomes possible, the billing information is transmitted to the electronic money terminal 1. However, the receipt of the payment information may be accepted after the guardian terminal 3 and the electronic money terminal 1 become communicable. The processing unit 13 determines that the deposit information has been received when the deposit information is received from the guardian terminal 3. If the deposit information is accepted, the process proceeds to step S204, and if not received, the process proceeds to step S205.

  (Step S204) The deposit information accumulation unit 131 accumulates the received deposit information in the deposit information storage unit 112. Thereafter, the process returns to step S201.

  (Step S205) The processing unit 13 determines whether or not the withdrawal instruction receiving unit 122 has accepted a withdrawal instruction. The processing unit 13 normally determines that the withdrawal instruction receiving unit 122 has accepted the withdrawal instruction when the withdrawal instruction receiving unit 122 receives the withdrawal instruction from the school terminal 2. If the withdrawal instruction accepting unit 122 accepts the withdrawal instruction, the process proceeds to step S206. If not accepted, the process proceeds to step S207.

  (Step S206) The withdrawal processing unit 132 performs a withdrawal process which is a process for changing the deposit information stored in the deposit information storage unit 112. The process of changing is usually a process of reducing the amount corresponding to the amount information included in the withdrawal instruction. The details of the withdrawal process have been described above and will not be repeated. Thereafter, the process returns to step S201.

  (Step S207) The processing unit 13 determines whether or not the refund instruction receiving unit 123 has received a refund instruction. The processing unit 13 normally determines that the refund instruction receiving unit 123 has received the refund instruction when the refund instruction receiving unit 123 receives the refund instruction from the school terminal 2. If the refund instruction accepting unit 123 accepts a refund instruction, the process proceeds to step S208. If not, the process proceeds to step S209.

  (Step S208) The refund processing unit 133 performs a refund process that is a process of changing the deposit information stored in the deposit information storage unit 112. The process of changing is usually a process of increasing the amount corresponding to the amount information included in the refund instruction. The details of the refund process have been described above and will not be repeated. Thereafter, the process returns to step S201.

  (Step S209) The processing unit 13 determines whether the account refund instruction receiving unit 124 has received an account refund instruction. The processing unit 13 normally determines that the account refund instruction receiving unit 124 has received the account refund instruction when the account refund instruction receiving unit 124 receives the account refund instruction from the school terminal 2. If the account refund instruction receiving unit 124 receives an account refund instruction, the process proceeds to step S210, and if not received, the process returns to step S201.

  (Step S <b> 210) The account refund processing unit 134 returns the amount corresponding to the deposit information stored in the deposit information storage unit 112 to the account corresponding to the user identifier stored in the user identifier storage unit 111. Do some account refund processing. The details of the account refund process have been described above and will not be repeated. Thereafter, the process returns to step S201.

  In the flowchart of FIG. 2, the account refund processing unit 134 executes the account refund process in response to the reception of the account refund instruction, but the present invention is not limited to this. For example, the storage unit 11 stores timing information indicating the timing (for example, graduation date) for executing the account refund process, and the account refund processing unit 134 executes the account refund process according to this timing information. Also good.

  In the flowchart of FIG. 2, for example, the following two steps S200a and S200b may be added before step S201. In this case, “return to step S201” in the above description is read as “return to step S200a”.

  (Step S200a) The processing unit 13 determines whether or not the receiving unit 12 has received billing information.

  Specifically, for example, in the school terminal 2, the school reception unit 21 receives the billing information via an input device such as a keyboard, and then the electronic money terminal 1 is held over the school terminal 2 by the user. When the money terminal 1 and the school terminal 2 are capable of short-range wireless communication, the school transmission unit 22 transmits the billing information to the electronic money terminal 1. However, the acceptance of the billing information may be performed, for example, after the school terminal 2 and the electronic money terminal 1 can communicate. The processing unit 13 determines that the billing information has been received when the receiving unit 12 receives the billing information from the school terminal 2.

  If the accepting unit 12 accepts the billing information, the process proceeds to step S200b. If not accepted, the process proceeds to step S201.

  (Step S200b) The processing unit 13 accumulates the accepted billing information in the billing information storage unit 113. Thereafter, the process returns to step S200a.

  In the flowchart of FIG. 2, the process starts in response to the power-on of the electronic money terminal 1 or the activation of the program, and the process ends by interruption of power-off or process end. However, the trigger for starting or ending the process does not matter.

  Hereinafter, a specific operation example of the electronic money system 100 in the present embodiment will be described. In addition, the following description is only an illustration and various changes are possible, and the present invention is not limited at all. In addition, explanations regarding the matters already described are omitted or simplified. The same applies to other specific examples.

  The electronic money system 100 of this example includes one or more electronic money terminals 1, two or more school terminals 2, and one or more guardian terminals 3. Each of the two or more school terminals 2 is a terminal of a certain school X (hereinafter sometimes simply referred to as “school”), and is operated by a school staff.

  One of the two or more school terminals 2 is installed in one classroom and is operated by a teacher who is a teacher of the classroom (hereinafter may be simply referred to as a teacher). One classroom is a classroom to which the user AA who is one student of the school belongs (hereinafter, simply referred to as a classroom). Teachers are also responsible for collecting costs that are common to all students, such as school fees and teaching materials.

  The other one of the two or more school terminals 2 is installed in the school staff room and operated by each school staff. The school terminal 2 is used for collecting different expenses such as a photo fee and club activities.

  The school transmitter 22 constituting the classroom school terminal 2 holds the terminal identifier “aaa”. Moreover, the school transmission part 22 which comprises the school terminal 2 of a staff room hold | maintains terminal identifier "bbb".

  One electronic money terminal 1 is an IC card carried by a user AA. Hereinafter, the electronic money terminal 1 may be simply referred to as an electronic money terminal 1.

  One guardian terminal 3 is a terminal used by a guardian of the user AA, and is a home PC, for example. Hereinafter, this guardian terminal 3 may be simply referred to as guardian terminal 3.

  The guardian transmission unit 32 constituting the guardian terminal 3 holds a user identifier “AA” for identifying the user AA.

  The user identifier “AA” is stored in the user identifier storage unit 111 constituting the electronic money terminal 1 of the user AA.

  In the deposit information storage unit 112, for example, deposit / withdrawal management information as shown in FIG. 3 is stored. FIG. 3 is a data structure diagram of deposit / withdrawal management information. The deposit / withdrawal management information includes money amount information and date / time information. The amount information includes one or more types of information among the deposit amount, the withdrawal amount, or the remaining amount. The date / time information includes date / time information. The date and time is the payment date and time when the money amount information includes the deposit amount, and the withdrawal date and time when the money amount information includes the withdrawal amount.

  In FIG. 3, “Null” indicates that the information is not included. Therefore, this deposit / withdrawal management information includes one or more pairs of deposit amount, date / time, and the remaining amount at the time (this may be referred to as deposit information), and the deposit amount / date / time , One or more pairs with the remaining amount at that time (which may be called withdrawal information) are included.

  The combination of the deposit amount, the date and time, and the remaining amount at the time point is, for example, the deposit amount “¥ 1000”, the date and time “1/10 19:00”, and the remaining amount at the time point “¥ 1000”. A pair (hereinafter sometimes referred to as the first group), a deposit amount “¥ 2000”, a date and time “2/8 18:00”, and a remaining amount “¥ 2000” at that time (hereinafter referred to as 3 And so on).

  The combination of the withdrawal amount, the date and time, and the remaining amount at the time point is, for example, the combination of the withdrawal amount “¥ 1000”, the date and time “1/11 8:30”, and the remaining amount “0” at the time point (Hereinafter referred to as the second group), a group of the withdrawal amount “¥ 1500”, the date and time “2/10 9:10” and the remaining amount “¥ 500” at the time (hereinafter referred to as the fourth group) Etc.), and so on.

  In the billing information storage unit 113, for example, one or more billing information as shown in FIG. 4 is stored. FIG. 4 is a data structure diagram of billing information. The billing information includes amount information, item identifiers, terminal identifiers, and time limit information. The amount information includes a billing amount. Each of the one or more pieces of billing information stored in the billing information storage unit 113 is associated with an ID (for example, 1, 2,... Indicating the order).

  For example, billing information corresponding to the ID “1” (hereinafter may be referred to as billing information 1) includes amount information “¥ 1000”, item identifier “teaching material fee”, terminal identifier “aaa”, and term information “1”. / 11 ". Further, the billing information (billing information 2) corresponding to the ID “2” includes amount information “¥ 1500”, an item identifier “school lunch”, a terminal identifier “aaa”, and time limit information “2/10”. Similarly, the billing information 3 includes amount information “¥ 500”, item identifier “photo cost”, terminal identifier “bbb”, and term information “2/15”.

  It is assumed that the current date is January 10, and nothing is stored in the deposit information storage unit 112 and the billing information storage unit 113 at this time.

  Assume that in this classroom, the teacher operates the input device of the school terminal 2 and inputs one billing information in the classroom. This billing information includes amount information “¥ 1000”, item identifier “teaching material fee”, terminal identifier “aaa”, and term information “1/11”. The school reception unit 21 receives and holds the billing information. Thereafter, when the user AA holds the electronic money terminal 1 over the school terminal 2, the electronic money terminal 1 and the school terminal 2 become capable of short-range wireless communication, and the school transmission unit 22 of the school terminal 2 transmits the billing information to the electronic Transmit to the money terminal 1.

  In the electronic money terminal 1, the receiving unit 12 receives the billing information, and the processing unit 13 stores the received billing information in the billing information storage unit 113 in association with the ID “1”. As a result, the billing information storage unit 113 stores the billing information 1 (see FIG. 4) described above.

  Thereafter, the user AA returns home and hands over the electronic money terminal 1 to the guardian. The guardian receives the electronic money terminal 1 and holds it over the guardian terminal 3. When short-distance wireless communication is possible between both terminals, a transmission unit (not shown) of the electronic money terminal 1 transmits the billing information 1 stored in the billing information storage unit 113 to the guardian terminal 3.

  In the guardian terminal 3, a guardian receiving unit (not shown) receives the billing information 1, and a guardian output unit (not shown) outputs the received billing information 1 via an output device such as a display. As a result, billing information such as “please pay 1000 yen for teaching materials by January 11th” is displayed on the display. The guardian inputs the deposit information having the amount information indicating the deposit amount “¥ 1000” corresponding to the billed amount via the input device of the guardian terminal 3.

  Specifically, for example, the guardian performs an operation for depositing money from the guardian's account to the electronic money terminal 1 by using a card company site, and the guardian terminal 3 that has received this operation The payment information is input by communicating with a financial institution server or the like.

  The guardian accepting unit 31 accepts the input of the deposit information, and the guardian transmitting unit 32 transmits the deposit information to the electronic money terminal 1.

  In the electronic money terminal 1, the deposit information receiving unit 121 receives the deposit information, and the deposit information accumulating unit 131 acquires the date and time “1/10 19:00” using, for example, a built-in clock. This date and time is included in the deposit information and accumulated in the deposit information storage unit 112. As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information (see FIG. 4) having the first set described above.

  Next January 11, the user AA goes to school and holds the electronic money terminal 1 over the school terminal 2 in the classroom. When short-distance wireless communication is possible between both terminals, a notification to that effect (for example, an electronic sound such as “beep”) is output via the output device of the school terminal 2, and the teacher A withdrawal instruction having amount information indicating a withdrawal amount “¥ 1000” corresponding to the teaching material fee is input via the input device. In the school terminal 2, the school reception unit 21 receives this withdrawal instruction, and the school transmission unit 22 transmits the withdrawal instruction to the electronic money terminal 1.

  In the electronic money terminal 1, the withdrawal instruction accepting unit 122 accepts the withdrawal instruction, and the withdrawal processing unit 132 performs a withdrawal process for changing the deposit / withdrawal management information stored in the deposit information storage unit 112.

  Specifically, the withdrawal processing unit 132 acquires the date “1/11 8:30” using, for example, a built-in clock. In addition, the withdrawal processing unit 132 subtracts the withdrawal amount “¥ 1000” from the remaining amount “¥ 1000” included in the stored deposit / withdrawal management information to calculate the remaining amount “0” at the present time. Further, the withdrawal processing unit 132 stores the set of the withdrawal amount “¥ 1000”, the date and time “1/11 8:30”, and the current remaining amount “0” in the deposit information storage unit 112. Add after the first set. As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information (see FIG. 4) having the first set and the second set described above. The remaining amount of the electronic money terminal 1 at this time is “0”.

  For example, 1000 yen withdrawn from the electronic money terminal 1 is transferred to the school account by the school terminal 2 communicating with a server of a financial institution, for example. Thereby, the withdrawal process for the billing information 1 in the billing information storage unit 113 is completed. In response to this, it is preferable that the withdrawal processing unit 132 attaches a flag indicating completion of withdrawal to the billing information 1.

  Thereafter, for example, it is assumed that a teacher operates the input device of the school terminal 2 and inputs other billing information in the classroom at the end of January. This billing information includes amount information “¥ 1500”, an item identifier “school lunch”, a terminal identifier “bbb”, and time limit information “2/10”.

  Similarly, in this case, the school reception unit 21 receives the billing information, and when the user AA holds the electronic money terminal 1, the school transmission unit 22 transmits the billing information to the electronic money terminal 1.

  In the electronic money terminal 1, the receiving unit 12 receives the billing information, and the processing unit 13 stores the received billing information in the billing information storage unit 113 in association with the ID “2”. As a result, the billing information storage unit 113 stores the billing information 2 (see FIG. 4) described above.

  The user AA returns home and hands over the electronic money terminal 1 to the guardian. When the guardian holds the electronic money terminal 1 over the guardian terminal 3, the billing information 2 is transmitted from the electronic money terminal 1 to the guardian terminal 3. Billing information such as “Please pay by the 10th of the month” is displayed.

  The guardian inputs deposit information having amount information indicating a deposit amount “¥ 2000” larger than the billed amount on February 8, which is the day before the deadline. The guardian accepting unit 31 accepts the input of the deposit information, and the guardian transmitting unit 32 transmits the deposit information to the electronic money terminal 1.

  In the electronic money terminal 1, the deposit information receiving unit 121 receives the deposit information, and the deposit information accumulating unit 131 acquires the date and time “2/8 18:00” from a built-in clock or the like, and the received deposit information includes this information. The date and time are accumulated in the deposit information storage unit 112. As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information (see FIG. 4) having the above-described first to third three sets.

  Next February 10, the user AA goes to school and holds the electronic money terminal 1 over the school terminal 2 in the classroom. When the teacher inputs a withdrawal instruction having amount information indicating the withdrawal amount “¥ 1500”, the school reception unit 21 receives the withdrawal instruction, and the school transmission unit 22 transmits the withdrawal instruction to the electronic money terminal 1. To do.

  In the electronic money terminal 1, the withdrawal instruction receiving unit 122 receives the withdrawal instruction, and the withdrawal processing unit 132 changes the deposit / withdrawal management information stored in the deposit information storage unit 112 as follows. That is, the withdrawal processing unit 132 acquires the date “2/10 8:30” from, for example, a built-in clock and the like, and from the remaining amount “¥ 2000” included in the stored withdrawal management information, the withdrawal amount “¥ 1500 ”is subtracted to calculate the remaining amount“ ¥ 500 ”at the present time. Further, the withdrawal processing unit 132 stores the set of the withdrawal amount “¥ 1500”, the date and time “2/9 9:10”, and the remaining amount “¥ 500” at the present time in the deposit information storage unit 112. Add after the third set.

  As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information (see FIG. 4) having the first to fourth groups. The remaining amount of the electronic money terminal 1 at this time is “¥ 500”. The 1,500 yen withdrawn from the electronic money terminal 1 is transferred to the school account.

  After that, for example, on February 12, a photo of an event such as a concert is posted in a gymnasium, etc., and the user AA fills out the desired photo number on the order form and submits it to the staff in the staff room . The staff operates the school terminal 2 in the staff room and inputs other billing information. This billing information includes amount information “¥ 500” indicating the price of the ordered photo, an item identifier “photo fee”, a terminal identifier “bbb”, and time limit information “2/15”. When the user AA holds the electronic money terminal 1 over the school terminal 2, the same processing as described above is performed, and the above-described billing information 3 (see FIG. 4) is further stored in the billing information storage unit 113 of the electronic money terminal 1. Is done.

  When the guardian of the user AA holds the electronic money terminal 1 over the guardian terminal 3, billing information 3 and money amount information “¥ 500” indicating the current remaining amount are transmitted from the electronic money terminal 1 to the guardian terminal 3, The guardian output unit (not shown) of the guardian terminal 3 uses such information, for example, “Please pay the photo fee of 500 yen by February 15. The remaining amount of this card is 500 yen”. Show billing information on the display.

  The guardian returns the electronic money terminal 1 to the user AA without performing additional payment because there is the same balance as the photo fee. If the user AA brings the electronic money terminal 1 to the staff room on the next February 13 and holds it over the school terminal 2, the withdrawal processing unit 132 will pay 500 yen corresponding to the billing amount of the billing information 3. The withdrawal process. That is, the withdrawal processing unit 132 stores a set of the withdrawal amount “¥ 500”, the date and time “2/13 15:30”, and the current remaining amount “0” in the deposit information storage unit 112. Append after the fourth set. As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information having the first to fourth groups and the fifth group (not shown). As a result, the remaining amount of the electronic money terminal 1 becomes “0”. The 500 yen withdrawn from the electronic money terminal 1 is transferred to the school account.

  Even if the user AA holds the electronic money terminal 1 over the school terminal 2 in the classroom, the terminal identifier “bbb” included in the billing information 3 stored in the billing information storage unit 113 is the terminal of the school terminal 2 in the classroom. Since it does not match the identifier “aaa”, the withdrawal processing unit 132 does not perform the withdrawal process.

  Thereafter, for example, it is assumed that the user AA brings the electronic money terminal 1 to the staff room again, tells the staff that the order for the previous photo is cancelled, and holds it over the school terminal 2. The staff operates the school terminal 2 in the staff room and inputs a refund instruction having amount information indicating a refund amount of 500 yen. When this refund instruction is transmitted from the school terminal 2 to the electronic money terminal 1, the refund instruction receiving unit 123 receives this in the electronic money terminal 1, and the refund processing unit 133 is stored in the deposit information storage unit 112. The deposit / withdrawal management information is changed so that the current balance increases by 500 yen. Specifically, at present, the deposit information storage unit 112 stores the deposit / withdrawal management information including the above-described first to fourth groups and the fifth group (not shown). You may refund 500 yen by deleting the 5th group. As a result, the deposit information storage unit 112 stores the deposit / withdrawal management information having the first to fourth groups described above, and the current balance returns from “0” to “¥ 500”.

  Thereafter, the graduation date of the user AA, the user AA brings the electronic money terminal 1 to the staff room and holds it over the school terminal 2 there. The staff operates the school terminal 2 in the staff room and inputs an account refund instruction. When the account refund instruction is transmitted from the school terminal 2 to the electronic money terminal 1, the account refund instruction receiving unit 124 receives the account refund instruction in the electronic money terminal 1, and the account refund processing unit 134 receives the deposit information storage unit. The current balance indicated by the deposit / withdrawal management information stored in 112 is returned to the account corresponding to the user identifier stored in the user identifier storage unit 111.

  As described above, according to the present embodiment, the recording medium includes the deposit information storage unit 112 in which the deposit information that is the deposit information is stored, and the electronic money terminal 1 receives the deposit information, and receives the received deposit information. By depositing in the deposit information storage unit 112, accepting a withdrawal instruction from a specific terminal, and performing a withdrawal process to change the deposit information in the deposit information storage unit 112 in response to acceptance of the withdrawal instruction, Money can be withdrawn only to specific terminals.

  In addition, the recording medium further includes a billing information storage unit 113 that stores billing information related to billing, and the electronic money terminal 1 receives deposit information for an amount corresponding to the billing information in response to receiving a withdrawal instruction. By performing the withdrawal process to be changed, it is possible to withdraw electronic money corresponding to the charged amount only to a specific terminal.

  The billing information storage unit 113 stores two or more billing information, and the two or more billing information is associated with at least one specific terminal among the two or more specific terminals. The money terminal 1 performs a withdrawal process for changing the deposit information for the amount corresponding to the billing information corresponding to the specific terminal that has transmitted the withdrawal instruction, so that one specific one of the two or more specific terminals Electronic money corresponding to the terminal can be withdrawn only to the one specific terminal.

  In addition, the electronic money terminal 1 receives a refund instruction, and can perform refund processing for changing the deposit information in the deposit information storage unit 112 in accordance with the refund instruction, thereby refunding the withdrawn electronic money.

  The recording medium further includes a user identifier storage unit 111 in which a user identifier for identifying a user is stored. The electronic money terminal 1 receives an account refund instruction, and receives a deposit information storage unit 112 according to the account refund instruction. By performing an account refund process, which is a process of refunding the amount corresponding to the deposit information to the account corresponding to the user identifier, the deposited electronic money can be refunded to the user's account.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification.

  In addition, the software which implement | achieves the electronic money terminal 1 in this Embodiment is the following programs, for example. That is, the recording medium accessible by the computer of the electronic money terminal 1 includes a deposit information storage unit 112 in which deposit information, which is deposit information, is stored. This program stores the deposit information on the computer of the electronic money terminal 1. A deposit information receiving unit 121 that receives the deposit information, a deposit information storing unit 131 that accumulates the deposit information received by the deposit information receiving unit 121 in the deposit information storing unit 112, and a withdrawal instruction from a specific terminal such as the school terminal 2 This is a program for functioning as a withdrawal instruction receiving unit 122 and a withdrawal processing unit 132 that performs a withdrawal process for changing the deposit information in the deposit information storage unit 112 in accordance with the acceptance of the withdrawal instruction.

(Embodiment 2)
In the present embodiment, an electronic money system including a server device in which billing information is managed by a server device, and settlement corresponding to the billing information is performed by communication between a specific terminal such as a school terminal and an electronic money terminal explain.

  Also, two or more billing information is managed by the server device, each billing information has a terminal identifier that can be settled for each item such as school lunch fee, teaching material fee, etc. An electronic money system performed at a terminal identified by a terminal identifier included in the billing information will be described.

  Also, an electronic money system that can be refunded by communication between a specific terminal and an electronic money terminal will be described.

  Also, an electronic money system that can be refunded by an external instruction from a card company or the like at the time of unauthorized use will be described.

  The billing information has a deadline such as a graduation date or a settlement date, and an electronic money system that performs refund processing for the amount of the one item when the deadline of the one item has passed will be described.

  Note that description of matters common to the first embodiment is omitted or simplified.

  FIG. 5 is a block diagram of an electronic money system 500 in the present embodiment. The electronic money system 500 includes a server device 5, 1 or 2 or more electronic money terminals 6, 1 or 2 or more school terminals 7, and 1 or 2 or more guardian terminals 8. The server device 5 includes a communication module for performing communication via a network such as a LAN or the Internet, a wireless or wired communication line, and the like. However, the type of communication module does not matter. The school terminal 7 and the guardian terminal 8 also have the same type of communication module, and the server device 5 is connected to each of the one or more school terminals 7 and the one or more guardian terminals 8 via a network or the like. Communication is possible.

  The electronic money terminal 6 includes a short-range wireless communication module that is a module that performs short-range wireless, such as Felica (registered trademark) and MIFARE (registered trademark). However, the type of short-range wireless is not limited. The electronic money terminal 6 can perform short-range wireless communication with another device having the same type of short-range wireless communication module. The school terminal 7 and the guardian terminal 8 also have the same kind of short-range wireless communication module, and the electronic money terminal 6 communicates with the school terminal 7 or the guardian terminal 8 that exists within the communication range of the short-range wireless communication module. Short-distance wireless communication can be performed between them. The electronic money terminal 6 may also have the same type of communication module and perform communication via a network.

  In the following, both communication via the network as described above and short-range wireless communication as described above may be simply referred to as communication. Communication usually includes one or more of transmission and reception.

  The server device 5 is a server of a company that operates the electronic money system 500. The server device 5 is, for example, a server installed in a company, but may be a cloud server, regardless of its type or location.

  The electronic money terminal 6 is, for example, an IC card carried by a school student or a guardian thereof, but may be a portable terminal. The school terminal 7 is, for example, a PC installed in a school, but may be a mobile terminal of a school staff. Note that the electronic money system 500 is not limited to the school terminal 7 and generally includes a specific terminal. For example, the guardian's terminal 8 may be a guardian's portable terminal or a cashier terminal such as a convenience store, and any type or location may be used as long as it can be deposited into the IC card.

  The server device 5 includes a server storage unit 51, a server reception unit 52, a server reception unit 53, a server processing unit 54, and a server transmission unit 55. The server storage unit 51 includes a server billing information storage unit 511 and a server deposit information storage unit 512. The server reception unit 52 includes a server settlement instruction reception unit 521. The server reception unit 53 includes a server refund instruction reception unit 531. The server processing unit 54 includes a server settlement processing unit 541 and a server refund information configuration unit 542. The server transmission unit 55 includes a server refund information transmission unit 551.

  The electronic money terminal 6 includes a storage unit 61, a reception unit 62, a transmission unit 63, a reception unit 64, and a processing unit 65. The school terminal 7 includes a school reception unit 71 and a school transmission unit 72. The guardian terminal 8 includes a guardian reception unit 81 and a guardian transmission unit 82.

  The server storage part 51 which comprises the server apparatus 5 can store various information. Various types of information include, for example, deposit information and billing information. The deposit information may be the same as the deposit information in the first embodiment. The billing information may be the same as the billing information in the first embodiment, but usually further includes a user identifier for identifying the user who is billed. The server storage unit 51 also stores, for example, one or more user identifiers for identifying users and one or more terminal identifiers for identifying specific terminals such as the school terminal 7.

  The server billing information storage unit 511 stores one or more billing information. The server billing information storage unit 511 stores two or more billing information, and each billing information is preferably associated with a terminal identifier for identifying a specific terminal such as the school terminal 7. The billing information may have time limit information as described above.

  The server deposit information storage unit 512 stores deposit information in association with the user identifier. The server deposit information storage unit 512 normally stores one or more sets of user identifiers and one or more deposit information.

  The server reception unit 52 receives various types of information. The various types of information are, for example, settlement instructions to be described later.

  The server receiving unit 52 receives billing information. The server receiving unit 52 normally receives billing information having a user identifier or the like in combination with a terminal identifier from the school terminal 7 that has communicated with the electronic money terminal 6. The communication between the electronic money terminal 6 and the school terminal 7 is usually short-range wireless communication, but may be communication via a wireless LAN in the university, for example, and the method is not limited. In other words, the communication between the electronic money terminal 6 and the school terminal 7 is normally a method in which communication is possible only when the user carrying the electronic money terminal 6 holds the electronic money terminal 6 over the school terminal 7. For example, it is also preferable that the communication is possible only when the user is in a school where the school terminal 7 exists. However, there may be no restriction on the communicable distance.

  The server reception unit 52 receives the payment information in pairs with the user identifier. The server receiving unit 52 receives the payment information from the guardian terminal 8 that has normally communicated with the electronic money terminal 6 in pairs with the user identifier. The communication between the electronic money terminal 6 and the guardian terminal 8 is also usually short-range wireless communication, but the method is not limited. That is, communication between the electronic money terminal 6 and the guardian terminal 8 is normally performed only when the user carrying the electronic money terminal 6 or the guardian holds the electronic money terminal 6 over the guardian terminal 8. Although it is a method that enables communication, there is no need to limit the communication distance.

  The server settlement instruction receiving unit 521 receives a settlement instruction. For example, the server settlement instruction receiving unit 521 receives a settlement instruction from a specific terminal such as the school terminal 7 that has communicated with the electronic money terminal 6. The settlement instruction has a user identifier for identifying the user of the electronic money terminal 6. The user identifier is normally stored in the storage unit 61 of the electronic money terminal 6. Further, the settlement instruction usually has an item identifier for identifying billing information to be settled. Alternatively, the payment instruction may include, for example, a user identifier and a terminal identifier that identifies a terminal of a specific terminal such as the school terminal 7 that has communicated with the electronic money terminal 6. The server settlement instruction receiving unit 521 may receive the settlement instruction from the electronic money terminal 6.

  The server reception unit 53 receives various types of information. The various information is, for example, a refund instruction. Note that accepting includes receiving. The server reception unit 53 may receive, for example, billing information from the school terminal 7 and payment information from the guardian terminal 8. Specifically, for example, the server reception unit 53 receives billing information from the school terminal 7 in pairs with the terminal identifier. Moreover, the server reception part 53 receives payment information from the guardian terminal 8 in pairs with the user identifier, for example.

  The server accepting unit 53 may accept a withdrawal instruction having a user identifier from a specific terminal such as the electronic money terminal 6 or the school terminal 7 that communicates with the electronic money terminal 6. Note that the withdrawal instruction and the method of accepting it are the same as in the first embodiment, and a description thereof will be omitted.

  The server refund instruction receiving unit 531 receives a refund instruction. The server refund instruction accepting unit 531 usually receives a refund instruction from a specific terminal such as the school terminal 7, but may accept it via an input device such as a keyboard or from an external device. Also good. The external device is, for example, a terminal of a financial institution such as a card company. For example, when a user's card is illegally used, the server refund instruction accepting unit 531 preferably receives a refund instruction having a user identifier for identifying the user from a card company terminal.

  The server processing unit 54 performs various processes. The various types of processing are, for example, processing by the server settlement processing unit 541, the server refund information configuration unit 542, and the like. The various types of processing include various types of determination described with reference to flowcharts.

  Further, the server processing unit 54 may perform, for example, accumulation of billing information in the server billing information storage unit 511, accumulation of deposit information in the server billing information storage unit 511, refund processing according to a refund instruction, and the like.

  Specifically, the server processing unit 54 accumulates the deposit information received by the server reception unit 53 in pairs with the user identifier in the server deposit information storage unit 512 in association with the user identifier. In addition, the server processing unit 54 accumulates the deposit information received by the server receiving unit 52 in the server billing information storage unit 511.

  The server processing unit 54 is deposit information stored in the server deposit information storage unit 512 in response to receipt of a withdrawal instruction by the server accepting unit 53, and is identified by a user identifier included in the withdrawal instruction. Change user deposit information. Note that the method for changing the deposit information is the same as that in the first embodiment, and a description thereof will be omitted.

  Further, the server processing unit 54 executes a refund process for changing the deposit information in the server deposit information storage unit 512 in accordance with the refund instruction received by the server refund instruction receiving unit 531. The change is usually to increase the amount corresponding to the amount information included in the refund instruction. The server processing unit 54 acquires, for example, payment information that is paired with the user identifier included in the received refund instruction from one or more pieces of payment information stored in the server payment information storage unit 512, and stores the received payment information in the payment information. On the other hand, it is preferable to increase the amount corresponding to the amount information included in the accepted refund instruction.

  The server payment processing unit 541 performs payment processing. Payment processing refers to processing related to payment. Settlement is to pay the school for the goods (including services) received by the user. Payment is performed using the electronic money terminal 6 in the present embodiment, but for example, a credit card, a debit card, cash, a check, or the like may be used in combination. The combined use may be, for example, using a credit card or the like for depositing into electronic money. However, the payment method does not matter. The settlement processing is, for example, processing such as withdrawal from electronic money, withdrawal from an account, and transfer between accounts, but is not limited thereto.

  For example, in response to the payment instruction received by the server payment instruction receiving unit 521, the server payment processing unit 541 uses the payment information paired with the user identifier included in the payment instruction to perform a payment process corresponding to the payment instruction. Do. Note that the use of the deposit information may be, for example, comparing the amount information included in the deposit information with the amount information included in the settlement instruction, or from the deposited amount or the remaining amount indicated by the amount information included in the deposit information. The settlement amount indicated by the amount information included in the instruction may be reduced, and the usage method is not limited.

  For example, in response to receiving the payment instruction, the server payment processing unit 541 performs a payment process on the billing information corresponding to the payment instruction of the user identified by the user identifier included in the payment instruction. The billing information corresponding to the settlement instruction may be billing information corresponding to the item identifier included in the settlement instruction, or all the billing information of the user identified by the user identifier. In response to receiving the payment instruction, the server payment processing unit 541 can only perform the payment process for the billing information associated with the terminal identifier included in the payment instruction of the user identified by the user identifier included in the payment instruction. Is preferred.

  Further, the server payment processing unit 541 may constitute payment information that is information related to the payment processing performed in this way. The settlement information usually includes amount information indicating the amount of settlement (settlement amount). The payment information also includes date / time information indicating, for example, the date of payment (settlement date). Note that the configured payment information may be transmitted to the guardian terminal 7 or the like, displayed on a display, or printed out by a printer. This also applies to refund information described later.

  The server refund information configuration unit 542 configures refund information having amount information indicating an amount to be refunded (return amount) in accordance with the refund instruction received by the server refund instruction reception unit 531. The server refund information configuration unit 542 acquires deposit information paired with the user identifier included in the refund instruction received by the server refund instruction reception unit 531 from the server deposit information storage unit 512, and configures the refund information using the deposit information. It is preferable to do.

  The refund may be, for example, a refund to the electronic money terminal 6 or a refund to an account. In the former case, the server refund information configuration unit 542 configures, for example, refund information having a user identifier. In the latter case, the server refund information configuration unit 542 configures, for example, refund information having an account identifier. Alternatively, the refund may be, for example, a process of canceling payment by a credit card, and the method is not limited.

  Further, the refund information usually has amount information corresponding to the amount information included in the deposit information. The corresponding amount information may be, for example, amount information indicating the same amount as the amount of money indicated by the amount information included in the payment information, or amount information indicating an amount obtained by subtracting a predetermined amount from the amount received. The predetermined amount is, for example, an amount such as a fee.

  Moreover, the trigger which comprises refund information is not ask | required. The server refund information configuration unit 542 may configure the refund information when, for example, a refund instruction from a specific terminal is received, or may be configured when preset. The preset time is, for example, the time of graduation. For example, the server refund information configuration unit 542 acquires the current time from an MPU built-in clock, an NTP server, or the like, and includes a date included in the acquired current time (hereinafter sometimes referred to as the current date) and a graduation date. In comparison, the process of determining whether or not the current date has reached or passed the graduation date is repeated, and when the current date reaches or passes the graduation date, the balance of the deposit information is In some cases, it is preferable to construct refund information indicating the amount corresponding to the remaining amount.

  The server transmission unit 55 transmits various types of information. Various types of information include, for example, payment information and refund information. The server transmission unit 55 transmits the payment information configured by the server payment processing unit 541 in response to the payment instruction to the user identifier included in the payment instruction. The transmitted payment information is normally received by the user's electronic money terminal 6 identified by the user identifier via the guardian terminal 8.

  The server refund information transmission unit 551 transmits the refund information configured by the server refund information configuration unit 542 in response to the refund instruction to the user identifier included in the refund instruction. The returned refund information is normally received by the user's electronic money terminal 6 identified by the user identifier via the guardian terminal 8.

  The storage unit 61 constituting the electronic money terminal 6 can store various types of information. The various information includes, for example, a user identifier, payment information, billing information, and the like.

  The storage unit 61 stores a terminal identifier for identifying the electronic money terminal 6. The storage unit 61 normally stores payment information. Further, for example, billing information may be stored in the storage unit 61.

  The accepting unit 62 accepts various types of information. The various information is, for example, a settlement instruction. When the electronic money terminal 6 is capable of short-range wireless communication with the school terminal 7, the reception unit 62 may receive, for example, a payment instruction received by the school terminal 7 from the school terminal 7, or A settlement instruction may be received via an input device such as a touch panel.

  The transmission unit 63 transmits various information. The various information includes, for example, a user identifier and a payment instruction. The transmission unit 63 transmits the user identifier stored in the storage unit 61 to the school terminal 7 or the guardian terminal 8 when the electronic money terminal 6 becomes communicable with the school terminal 7 or the guardian terminal 8. To do.

  In addition, the transmission unit 63 stores the storage unit in response to the reception unit 62 receiving a settlement instruction via the input device when the electronic money terminal 6 is capable of short-range wireless communication with the school terminal 7, for example. The user identifier stored in 61 may be transmitted to the school terminal 7. Alternatively, for example, when the electronic money terminal 6 can communicate with the school terminal 7, the transmission unit 63 stores the information in the storage unit 61 in response to the reception unit 62 receiving a payment instruction from the school terminal 7. The received user identifier may be included in the settlement instruction and transmitted to the server device 5 via a network or the like.

  The receiving unit 64 receives various types of information. Examples of the various information include payment information, refund information, and payment information. The receiving unit 64 receives payment information from the guardian terminal 8 when the electronic money terminal 6 is capable of short-range wireless communication with the guardian terminal 8, for example. The receiving unit 64 may receive payment information or refund information from the server device 5 when the electronic money terminal 6 is capable of short-range wireless communication with the school terminal 7.

  The processing unit 65 performs various processes. The various processes are, for example, accumulation or change of payment information. The various types of processing include various types of determination described with reference to flowcharts.

  For example, the processing unit 65 accumulates the deposit information received by the receiving unit 64 in the storage unit 61. Further, the processing unit 65 may change (usually, decrease) the payment information stored in the storage unit 61 using, for example, the payment information received by the receiving unit 64, or the receiving unit 64 may It may be changed (usually increased) using the received refund information.

  The school reception part 71 which comprises the school terminal 7 receives various information. The various processes are, for example, a settlement instruction and a refund instruction. The school reception unit 71 receives a payment instruction or the like via an input device such as a keyboard, for example, when the school terminal 7 is capable of short-range wireless communication with the electronic money terminal 6.

  The school transmission unit 72 transmits various types of information. The various processes are, for example, a settlement instruction and a refund instruction. The school transmission unit 72 transmits the settlement instruction received by the school reception unit 71 to the server device 5.

  The guardian accepting unit 81 constituting the guardian terminal 8 accepts various types of information. The various processes are, for example, payment information. The guardian accepting unit 81 accepts the deposit information via an input device such as a keyboard, for example, when the guardian terminal 8 is capable of short-range wireless communication with the electronic money terminal 6.

  The guardian transmitter 82 transmits various types of information. The various processes are, for example, payment information. The guardian transmission unit 82 transmits the payment information received by the guardian reception unit 81 to the server device 5.

  The server storage unit 51, the server billing information storage unit 511, the server deposit information storage unit 512, and the storage unit 61 are preferably non-volatile recording media such as a hard disk and a flash memory, but a volatile recording medium such as a RAM. But it is feasible.

  The process in which information is stored in the server storage unit 51 or the like is not limited. For example, information may be stored in the server storage unit 51 or the like via a recording medium, and information transmitted via a network or a communication line is stored in the server storage unit 51 or the like. Alternatively, information input via the input device may be stored in the server storage unit 51 or the like. The input device may be anything such as a keyboard, a mouse, and a touch panel.

  The server receiving unit 52 and the server settlement instruction receiving unit 521 are usually realized by means for receiving information via a network, a communication line, or the like (for example, a communication module such as a network card or a modem).

  The server reception unit 53, the server refund instruction reception unit 531, the reception unit 62, the school reception unit 71, and the guardian reception unit 81 may or may not include an input device. The server reception unit 53 and the like can be realized by driver software for the input device or by the input device and its driver software.

  The server processing unit 54, the server settlement processing unit 541, the server refund information configuration unit 542, and the processing unit 65 can be usually realized by an MPU, a memory, or the like. The processing procedure of the processing unit 13 or the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

  The server transmission unit 55 and the server refund information transmission unit 551 are usually realized by means for receiving information via a network, a communication line, or the like (for example, a communication module such as a network card or a modem).

  The transmission unit 63, the school transmission unit 72, and the guardian transmission unit 82 are usually realized by short-range wireless communication means, but a means for transmitting information via a network, a communication line, or the like (for example, a communication module). It may be realized with.

  The receiving unit 64 is normally realized by a short-range wireless communication means (for example, a short-range wireless communication module such as Felica (registered trademark)), but may be realized by a means for receiving information via a network or the like. Good.

  Next, the operation of the electronic money system 500 will be described with reference to the flowcharts of FIGS. In addition, the description regarding the already mentioned matter is abbreviate | omitted or simplified.

  FIG. 6 is a flowchart for explaining the operation of the server device 5.

  (Step S601) The server processing unit 54 determines whether or not the server receiving unit 52 has received the billing information.

  Specifically, the server receiving unit 52 normally receives billing information including a user identifier, a terminal identifier, and the like from the school terminal 7 that has communicated with the electronic money terminal 6. The server processing unit 54 receives billing information, and the billing information has a user identifier that matches one of the user identifiers stored in the server storage unit 51, and the billing information is a server When the terminal identifier corresponding to one of the terminal identifiers stored in the storage unit 51 is included, it is preferable that the server reception unit 52 determines that the billing information has been received.

  Note that matching generally means that all the character strings constituting the user identifier match. Also, the correspondence may be, for example, that all of the character strings constituting the terminal identifier may match or that a predetermined part thereof may match. For example, when the terminal identifier is an address such as an IP address, the predetermined part is a part of a domain name corresponding to a school name, but is not limited thereto. This also applies when determining whether or not a settlement instruction has been received and whether or not a refund instruction has been received.

  When the billing information is received but the user identifier does not match or the terminal identifier does not correspond, normally, the server processing unit 54 determines that the server receiving unit 52 has not received the billing information.

  If it is determined that the server reception unit 52 has received the billing information, the process proceeds to step S601. If it is determined that the server information has not been received, the process proceeds to step S604.

  (Step S602) The server processing unit 54 stores the billing information received by the server receiving unit 52 in the server billing information storage unit 511. Thereafter, the process returns to step S601.

  (Step S603) The server processing unit 54 determines whether or not the server reception unit 52 has received the payment information in a pair with the user identifier.

  Specifically, the server reception unit 52 receives the payment information in pairs with the user identifier, usually from the guardian terminal 8 that has communicated with the electronic money terminal 6. When the receipt information is received and the user identifier received in pair with the server processing unit 54 matches any of the user identifiers stored in the server storage unit 51, the server reception unit 52 It is preferable to determine that the deposit information is received in pairs with the user identifier. If the user identifier does not match even though the billing information is received, the server processing unit 54 normally determines that the server reception unit 52 has not received the deposit information in a pair with the user identifier.

  If it is determined that the server receiving unit 52 has received the deposit information in pairs with the user identifier, the process proceeds to step S604, and if not, the process proceeds to step S606.

  (Step S604) The server processing unit 54 accumulates the deposit information received by the server reception unit 53 in pairs with the user identifier in the server deposit information storage unit 512 in association with the user identifier. Thereafter, the process returns to step S601.

  (Step S605) The server processing unit 54 determines whether or not the server reception unit 52 has received a settlement instruction.

  Specifically, the server receiving unit 52 normally receives a payment instruction having a user identifier or the like in a pair with a terminal identifier from the school terminal 7 that has communicated with the electronic money terminal 6. The server processing unit 54 receives the payment instruction, and the payment instruction has a user identifier that matches any one of the user identifiers stored in the server storage unit 51 and is received in pairs. When the received terminal identifier corresponds to any one of the terminal identifiers stored in the server storage unit 51, it is preferable that the server reception unit 52 determines that the settlement instruction has been received.

  Even if the payment instruction is received, if the user identifier does not match or the terminal identifier does not correspond, the server processing unit 54 normally determines that the server reception unit 52 has not received the payment instruction.

  If it is determined that the server reception unit 52 has received the settlement instruction, the process proceeds to step S606. If it is determined that the server has not received the settlement instruction, the process proceeds to step 609.

  (Step S606) The server payment processing unit 541 performs a payment process on the billing information corresponding to the payment instruction of the user identified by the user identifier included in the received payment instruction. The payment process is not repeated because it has been described above.

  (Step S607) The server payment processing unit 541 configures payment information having amount information indicating an amount (settlement amount) settled in the settlement process.

  (Step S608) The server transmission unit 15 transmits the configured payment information to the user identifier included in the payment instruction. Thereafter, the process returns to step S601.

  (Step S609) The server processing unit 54 determines whether or not the server refund instruction receiving unit 531 has received a refund instruction.

  Specifically, the server refund instruction accepting unit 531 usually gives a refund instruction having a user identifier or the like to the terminal identifier from an external device such as a school terminal 7 or a card company terminal communicated with the electronic money terminal 6. Receive. The server processing unit 54 receives a refund instruction, and the refund instruction has a user identifier that matches one of the user identifiers stored in the server storage unit 51, and is received in pairs. When the terminal identifier corresponds to one of the terminal identifiers stored in the server storage unit 51, it is preferable that the server refund instruction reception unit 531 determine that the refund instruction has been received.

  Even if a refund instruction is received, if the user identifier does not match or if the terminal identifier does not correspond, the server processing unit 54 normally determines that the server refund instruction reception unit 531 has not received a refund instruction.

  If it is determined that the server refund instruction receiving unit 531 has received a refund instruction, the process proceeds to step S606. If it is determined that the server refund instruction receiving unit 531 has not received a refund instruction, the process proceeds to step 609.

  (Step S610) The server processing unit 54 performs a refund process. Specifically, the server processing unit 54 acquires payment information that is paired with a user identifier included in the received refund instruction from one or more payment information stored in the server payment information storage unit 512, and receives the payment information. On the other hand, the amount corresponding to the amount information included in the accepted refund instruction is increased.

  (Step S <b> 611) The server refund information configuration unit 542 acquires deposit information that is paired with the user identifier included in the received refund instruction from the server deposit information storage unit 512, and configures the refund information using the deposit information.

  (Step S612) The server refund information transmitting unit 551 transmits the thus configured refund information to the user identifier included in the refund instruction. Thereafter, the process returns to step S601.

  In the flowchart of FIG. 6, the refund processing unit 133 executes the refund process in response to the reception of the refund instruction. For example, the timing for executing the refund process in the server storage unit 51 (for example, graduation date, etc.) ) Is stored, and the refund processing unit 133 may execute a refund process according to the timing information.

  Further, in the flowchart of FIG. 6, steps S603 and S604 may be omitted when the deposit information is managed on the electronic money terminal 6 side.

In the flowchart of FIG. 6, the process starts in response to the power-on of the server device 5 or the activation of the program, and the process is ended by power-off or a process end interrupt. However, the trigger for starting or ending the process does not matter.
The

  FIG. 7 is a flowchart for explaining the operation of the electronic money terminal 6. Note that the processing of this flowchart does not necessarily have to be executed when managing the deposit information on the server device 5 side.

  (Step S701) The processing unit 65 determines whether or not the receiving unit 64 has received the deposit information.

  Specifically, for example, the guardian terminal 8 that has become capable of short-range wireless communication with the electronic money terminal 6 receives the payment information via an input device such as a touch panel and transmits the payment information to the electronic money terminal 6. . The receiving unit 64 receives the deposit information transmitted from the guardian terminal 8. The processing unit 65 normally determines that the deposit information has been received when the deposit information is received from the guardian terminal 8 capable of short-range wireless communication with the electronic money terminal 6. If the deposit information is accepted, the process proceeds to step S702, and if not received, the process proceeds to step S703.

  (Step S <b> 702) The processing unit 13 accumulates the received payment information in the storage unit 61. Thereafter, the process returns to step S701.

  (Step S703) The processing unit 65 determines whether or not the receiving unit 64 has received payment information.

  For example, as described above, when a payment process is performed in the server device 5 in response to a payment instruction from the school terminal 7 that is capable of short-range wireless communication with the electronic money terminal 6, the electronic money is transferred from the server device 5 to the electronic money terminal 6. Payment information is transmitted to the user of the terminal 6, and the receiving unit 64 receives the payment information.

  If the receiving unit 64 has received payment information, the process proceeds to step S704. If not, the process proceeds to step S705.

  (Step S704) The processing unit 65 updates the deposit information stored in the storage unit 61 using the settlement information received in this way. The processing unit 65 usually reduces the amount corresponding to the payment amount indicated by the amount information included in the payment information from the amount indicated by the amount information included in the payment information (for example, the amount received, the total amount, the remaining amount, etc.). Thereafter, the process returns to step S701.

  (Step S705) The processing unit 65 determines whether or not the receiving unit 64 has received refund information.

  For example, as described above, when a refund process is performed in the server device 5 in response to a refund instruction from the school terminal 7 or an external device that is capable of short-range wireless communication with the electronic money terminal 6, the server device 5 The refund information is transmitted to the user of the electronic money terminal 6, and the receiving unit 64 receives the refund information.

  If the receiving unit 64 has received the refund information, the process proceeds to step S706, and if not, the process returns to step S701.

  (Step S706) The processing unit 65 updates the deposit information stored in the storage unit 61 by using the received refund information. The processing unit 65 usually reduces the amount corresponding to the return amount indicated by the amount information included in the refund information to the amount indicated by the amount information included in the deposit information. Thereafter, the process returns to step S701.

  In the flowchart of FIG. 7, the process starts in response to the power-on of the electronic money terminal 6 or the activation of the program, and the process is ended by power-off or a process end interrupt. However, the trigger for starting or ending the process does not matter.

  Hereinafter, a specific operation of electronic money system 500 in the present embodiment will be described.

  The electronic money system 500 of this example includes a server device 5, two or more electronic money terminals 6, four or more school terminals 7, and two or more guardian terminals 8. The server device 5 is a server of a company that operates the electronic money system 500. The server device 5 is communicably connected to each of the four or more school terminals 7 and the two or more guardian terminals 8 via a network such as the Internet.

  Two or more of the four or more school terminals 7 are terminals of a certain school X, and are operated by a teacher of the school X. One of the two or more school terminals 7 of the school X is installed in one classroom and operated by a teacher who is a teacher of the classroom (hereinafter may be simply referred to as a teacher or a teacher of the school X). . One classroom is a classroom to which the user AA who is a student of school X belongs (hereinafter, simply referred to as a classroom or school X classroom). Teachers are also responsible for collecting costs that are common to all students, such as school fees and teaching materials.

  The other one of the two or more school terminals 7 of the school X is installed in the staff room of the school X and is operated by each teacher. This school terminal 7 is used for collecting different expenses such as a photo fee and club activities.

  The school transmission unit 72 constituting the school terminal 7 of the school X classroom holds the terminal identifier “aaa”. Moreover, the school transmission part 72 which comprises the school terminal 7 of the staff room of the school X hold | maintains terminal identifier "bbb".

  One of the two or more electronic money terminals 6 is an IC card carried by the user AA. Hereinafter, the electronic money terminal 6 may be simply referred to as the electronic money terminal 6 or the electronic money terminal 6 of the user AA.

  One guardian terminal 8 among the two or more guardian terminals 8 is a terminal used by the guardian of the user AA, and is, for example, a home PC. Hereinafter, the guardian terminal 8 may be simply referred to as the guardian terminal 8 or the guardian terminal 8 of the user AA.

  The other two or more of the four or more school terminals 7 are the terminals of the other school Y and are operated by the school staff. One of the two or more school terminals 7 of the school Y is installed in one classroom and is operated by a teacher who is a teacher of the classroom (hereinafter may be referred to as a teacher of the school Y). The one classroom is a classroom to which the user BB who is one student of the school Y belongs (hereinafter, sometimes referred to as a classroom of the school Y).

  The other one of the two or more school terminals 7 of the school Y is installed in the staff room of the school Y and is operated by each teacher.

  The school transmission part 72 which comprises the school terminal 7 of the classroom of the school Y hold | maintains the terminal identifier "ccc". Moreover, the school transmission part 72 which comprises the school terminal 7 of the staff room of the school Y hold | maintains the terminal identifier "ddd".

  The other electronic money terminal 6 among the two or more electronic money terminals 6 is an IC card carried by the user BB. Below, this electronic money terminal 6 may be described as the electronic money terminal 6 of the user BB.

  The other one of the two or more guardian terminals 8 is a terminal (for example, a home PC) used by the guardian of the user BB. Below, this guardian terminal 8 may be described as the guardian terminal 8 of the user BB.

  The guardian transmission unit 82 constituting the guardian terminal 8 of the user AA holds a user identifier “AA” for identifying the user AA. The guardian transmission unit 82 constituting the guardian terminal 8 of the user BB holds a user identifier “BB” for identifying the user BB.

  A user identifier “AA” is stored in the storage unit 61 constituting the electronic money terminal 6 of the user AA. A user identifier “BB” is stored in the storage unit 61 constituting the electronic money terminal 6 of the user BB.

  The server storage unit 51 constituting the server device 5 stores four or more terminal identifiers “aaa”, “bbb”, “ccc”, “ddd”,... That identify four or more school terminals 7. Further, the server storage unit 51 stores user identifiers “AA”, “BB”,... For identifying two or more users.

  In the server deposit information storage unit 512, two or more deposit / withdrawal management information is stored in association with the user identifier. FIG. 8 is a data structure diagram of deposit / withdrawal management information in the present embodiment. Except for the point that the user identifier is associated, the data structure of the deposit / withdrawal management information itself is the same as that of the first embodiment, and the description is omitted.

  In the server deposit information storage unit 512, for example, deposit / withdrawal management information similar to the deposit / withdrawal management information (see FIG. 3) described in the first embodiment is stored in association with the user identifier “AA”. Further, the server deposit information storage unit 512 stores other deposit / withdrawal management information having a set of the deposit amount “¥ 1500”, the date and time “1/15 17:00”, and the remaining amount “¥ 1500” at the time. Are stored in association with the user identifier “BB”.

  The server billing information storage unit 511 stores two or more billing information. FIG. 9 is a data structure diagram of billing information in the present embodiment. The data structure of the billing information is the same as that of the first embodiment except that the billing information data structure further includes a user identifier for identifying the user to be billed, and the description thereof is omitted.

  The server billing information storage unit 511 stores, for example, billing information 1 to 3 further including the user identifier “AA” in the billing information 1 to 3 (see FIG. 4) described in the first embodiment. Further, the server billing information storage unit 511 includes billing information 4 having a user identifier “BB”, amount information “¥ 1500”, an item identifier “school lunch”, a terminal identifier “ccc”, and time limit information “1/16”. Is also stored.

  The current date is February 15, and only the deposit / withdrawal management information corresponding to the user identifier “AA” among the two or more deposit / withdrawal management information shown in FIG. It is assumed that the deposit / withdrawal management information stored and corresponding to the user identifier “BB” is not yet stored. Further, in the billing information storage unit 113, claims information 1 to 3 among the four or more billing information shown in FIG. 9 are stored, the billing information 4 is not yet stored, and the claims information 1 to 3 is stored. It is assumed that a flag indicating completion of payment is attached.

  On this day, in the classroom of school Y, the teacher operates the input device of the school terminal 7 and inputs one billing information. This billing information includes amount information “¥ 1500”, item identifier “school lunch”, terminal identifier “ccc”, and term information “2/16”. The school reception unit 71 receives and holds the billing information. Thereafter, when the user BB holds the electronic money terminal 6 over the school terminal 7, the electronic money terminal 6 and the school terminal 7 can perform short-range wireless communication, and the school transmission unit 72 of the school terminal 7 The data is transmitted to the server device 5 via a network such as the Internet. Note that the school transmission unit 72 may also transmit the billing information to the electronic money terminal 6 via short-range wireless.

  In the server device 5, the server receiving unit 52 receives the billing information, and the server processing unit 54 stores the user identifier “BB” included in the received billing information in the server storage unit 51 and receives the user identifier “BB”. Since the terminal identifier “ccc” included in the requested billing information is also stored in the server storage unit 51, the received billing information is stored in the server billing information storage unit 511 in association with the ID “4”. As a result, in addition to the settled billing information 1 to 3, the billing information 4 (see FIG. 9) described above is further stored in the server billing information storage unit 511. In the electronic money terminal 6, the receiving unit 64 may receive the billing information, and the processing unit 65 may store the received billing information in the storage unit 61.

  Thereafter, the user BB returns home and hands over the electronic money terminal 6 to the guardian. The guardian receives the electronic money terminal 6 and holds it over the guardian terminal 8. When short-range wireless communication is enabled between both terminals, the server transmission unit 55 protects the billing information 4 having the user identifier “BB” among the billing information 1 to 4 stored in the server billing information storage unit 511. To the person terminal 8.

  In the guardian terminal 8, a guardian receiving unit (not shown) receives the billing information 4, and a guardian output unit (not shown) outputs the received billing information 4 via an output device such as a display. As a result, billing information such as “Please pay the school lunch fee of 1500 yen by February 16th” is displayed on the display. The guardian inputs the deposit information having the amount information indicating the deposit amount “¥ 1500” corresponding to the billed amount via the input device of the guardian terminal 8.

  The guardian accepting unit 81 accepts the input of the deposit information, and the guardian transmitting unit 82 transmits the deposit information to the server device 5 as a pair with the user identifier “BB”. Note that the guardian transmission unit 82 may also transmit the payment information to the electronic money terminal 6.

  In the server device 5, the server receiving unit 52 receives the above-described deposit information with the user identifier “BB”, and the server processing unit 54 stores the server deposit information in association with the received deposit information with the user identifier “BB”. Stored in the unit 512. As a result, in addition to the deposit / withdrawal management information corresponding to the user identifier “AA”, the deposit / withdrawal management information (see FIG. 8) corresponding to the user identifier “BB” is further stored in the server deposit information storage unit 512. Result.

  In the electronic money terminal 6, the receiving unit 64 may receive the deposit information, and the processing unit 65 may accumulate the received deposit information in the storage unit 61. In this case, the deposit information stored in the electronic money terminal 6 may not be the same as the deposit information stored in the server deposit information storage unit 512. For example, the deposit information does not have the amount information indicating the deposit amount, It may have only date and time information indicating

  On the following February 16, user BB goes to school Y and holds electronic money terminal 6 over school terminal 7 in the classroom. When short-distance wireless communication is enabled between both terminals, a notification to that effect (for example, an electronic sound such as “beep”) is output via the output device of the school terminal 7, and the teacher Via the input device, a settlement instruction having amount information indicating a settlement amount “¥ 1500” corresponding to the school lunch cost is input. In the school terminal 7, the school reception unit 71 receives this payment instruction, and the school transmission unit 72 transmits the payment instruction to the server device 5. The transmitted payment instruction further includes a user identifier “BB” and a terminal identifier “ccc” in addition to the amount information.

  In the server device 5, the server reception unit 52 receives the settlement instruction. The user identifier “BB” included in the received payment instruction is stored in the server storage unit 51, and the terminal identifier “ccc” included in the received billing information is also stored in the server storage unit 51. Thus, the server settlement processing unit 541 performs a settlement process on the billing information 4 corresponding to the settlement instruction of the user BB identified by the user identifier “BB” included in the received settlement instruction.

  The payment processing for the billing information 4 is, for example, identifying the billing amount “¥ 1500” indicated by the amount information from the account of the guardian of the user BB identified by the user identifier “BB” with the terminal identifier “ccc”. Transfer to the school Y account to which the school terminal 7 belongs, and after the deposit / withdrawal management information (see FIG. 8) stored in the server deposit information storage unit 512 in association with the user identifier “BB”, the withdrawal amount “ It is also possible to add new deposit / withdrawal management information including ¥ 1500 ”, date and time“ 2/16 8:50 ”, and the remaining amount“ 0 ”.

  The server payment processing unit 541 configures payment information regarding the payment processing, and the server transmission unit 55 transmits the configured payment information to the user identifier “BB”. When the settlement processing for the billing information 4 is completed, the server settlement processing unit 541 adds a flag indicating that the billing information 4 has been settled.

  In the guardian terminal 8 at the user BB home, a guardian receiving unit (not shown) receives and holds the payment information.

  Thereafter, the user BB returns home and hands over the electronic money terminal 6 to the guardian. The guardian receives the electronic money terminal 6 and holds it over the guardian terminal 8. When short-range wireless communication is possible between both terminals, the guardian output unit (not shown) in the guardian terminal 8 sends the settlement information held by the guard receiver unit (not shown) via an output device such as a display. Output. As a result, for example, payment information such as “Fees paid for the lunch school fee of 1500 yen for February has been completed” is displayed on the display. On the other hand, the guardian transmission unit 82 may transmit the payment information held by a guardian reception unit (not shown) to the electronic money terminal 6.

  In the electronic money terminal 6, the receiving unit 64 receives the payment information, and the processing unit 65 receives the remaining amount “¥ 1500” indicated by the amount information included in the deposit / withdrawal management information stored in the storage unit 61. The payment information may be reduced to “0”.

  It is assumed that a teacher inputs a refund instruction by operating the input device of the school terminal 7 in the classroom of school Y at a later date. This refund instruction has amount information “¥ 1500”, an item identifier “school lunch”, and a terminal identifier “ccc”. The school reception unit 71 receives and holds the refund instruction. Thereafter, when the user BB holds the electronic money terminal 6 over the school terminal 7, the electronic money terminal 6 and the school terminal 7 can perform near field communication, and the school transmission unit 72 of the school terminal 7 sends the refund instruction to the server. Transmit to device 5.

  In the server device 5, the server refund instruction receiving unit 531 receives the refund instruction, and the server processing unit 54 stores the user identifier “BB” included in the received refund instruction in the server storage unit 51, and Since the terminal identifier “ccc” included in the received refund instruction is also stored in the server storage unit 51, the server processing unit 54 executes a refund process corresponding to the received refund instruction.

  The refund process for the received refund instruction is, for example, a refund amount “¥ 1500” indicated by the amount information included in the refund instruction, from the account of the school Y to which the school terminal 7 identified by the terminal identifier “ccc” belongs. This is the deposit / withdrawal management information stored in the server deposit information storage unit 512 in association with the user identifier “BB” and transferred to the parent account of the user BB identified by the user identifier “BB”. Delete the new deposit / withdrawal management information including ¥ 1500 ”, date and time“ 2/16 8:50 ”, and remaining amount“ 0 ”, and delete the billing information 4 from the server billing information storage unit 511 It may be. As a result, the current remaining amount indicated by the amount information included in the deposit / withdrawal management information corresponding to the user identifier “BB” returns to 1500 yen immediately before the settlement processing for the billing information 4 is performed.

  The server refund information configuration unit 542 configures refund information related to the refund process performed in this way, and the server refund information transmission unit 551 transmits the configured refund information to the user identifier “BB”.

  In the guardian terminal 8 at the user BB home, a guardian receiving unit (not shown) receives and holds the refund information.

  Thereafter, the user BB returns home and hands over the electronic money terminal 6 to the guardian. The guardian receives the electronic money terminal 6 and holds it over the guardian terminal 8. When short-distance wireless communication is possible between both terminals, the guardian output unit (not shown) in the guardian terminal 8 sends the refund information held by the guard receiver unit (not shown) via an output device such as a display. Output. As a result, for example, refund information such as “February school lunch fee of 1500 yen has been refunded” is displayed on the display. On the other hand, the guardian transmission unit 82 may transmit refund information held by a guardian reception unit (not shown) to the electronic money terminal 6.

  In the electronic money terminal 6, the receiving unit 64 receives the refund information, and the processing unit 65 receives the remaining amount “0” indicated by the amount information included in the deposit / withdrawal management information stored in the storage unit 61. The repayment information may be used to increase the amount to “¥ 1500”.

  As described above, according to the present embodiment, the recording medium includes the server deposit information storage unit 511 in which the deposit information that is the deposit information is stored in association with the user identifier, and the server device 5 includes the school terminal 7. The payment instruction having the user identifier is received from the electronic money terminal 6 or the specific terminal that communicates with the specific terminal, and the payment information that is paired with the user identifier of the payment instruction is used in response to the reception of the payment instruction. Thus, by performing a payment process corresponding to the payment instruction, payment can be made only by an instruction from the electronic money terminal 6 or a specific terminal communicating with the electronic money terminal 6.

  The recording medium further includes a server billing information storage unit 511 in which one or more billing information related to billing is stored, and the server device 5 is identified by a user identifier included in the settlement instruction in response to reception of the settlement instruction. By performing the payment process for the billing information corresponding to the payment instruction of the user, the charge to the user of the electronic money terminal 6 can be settled only by an instruction from the electronic money terminal 6 or a specific terminal communicating with the electronic money terminal 6 .

  The server billing information storage unit 511 stores two or more billing information, each billing information is associated with a terminal identifier for identifying a specific terminal, and a settlement instruction includes a user identifier, an electronic money terminal 6, the server apparatus 5 associates the terminal identifier of the user identified by the user identifier included in the settlement instruction with the terminal identifier included in the settlement instruction in response to receiving the settlement instruction. In response to an instruction from a specific terminal that has communicated with the electronic money terminal 6 by being able to perform only the payment processing for the charged information, the user is billed to the electronic money terminal 6 and is associated with the specific terminal Can only settle.

  In addition, the server device 5 accepts a refund instruction, configures refund information having money amount information indicating the amount of money to be refunded in response to the refund instruction, and transmits the refund information to the electronic money terminal 6. Can be refunded.

  The recording medium further includes a server deposit information storage unit 512 that stores deposit information in association with the user identifier, and the server device 5 receives a refund instruction having the user identifier from an external device, By acquiring deposit information paired with the user identifier included in the refund instruction from the server deposit information storage unit 512 and configuring the refund information using the deposit information, the user can send the information to the electronic money terminal 6 according to an instruction from the outside. Refund is possible.

  The billing information includes deadline information indicating a deadline, and the server device 5 configures refund information corresponding to the billing information that has passed the deadline indicated by the deadline information, and transmits the refund information to the electronic money terminal 6. , You can get a refund for a request that has expired.

  In addition, the software which implement | achieves the server apparatus 5 in this Embodiment is the following programs, for example. In other words, the recording medium accessible by the computer of the server device 5 includes a server billing information storage unit 511 in which one or more billing information relating to billing is stored, and the program stores the computer of the server device 5 as an electronic money terminal. 6 or a server payment instruction receiving unit 521 that receives a payment instruction having a user identifier from a specific terminal such as a school terminal 7 that has communicated with the electronic money terminal 6, and a user that the payment instruction has in response to receiving the payment instruction It is a program for causing a user identified by an identifier to function as a server payment processing unit 541 that performs payment processing for billing information corresponding to a payment instruction.

  FIG. 10 is an external view of a computer system 900 that executes the program according to the present embodiment to realize the server device 5 and the like. The present embodiment can be realized by computer hardware and a computer program executed on the computer hardware. In FIG. 10, the computer system 900 includes a computer 901 including a disk drive 905, a keyboard 902, a mouse 903, and a display 904. Note that the entire system including the keyboard 902, the mouse 903, and the display 904 may be called a computer.

  FIG. 11 is a diagram illustrating an example of the internal configuration of the computer system 900. In FIG. 11, in addition to the disk drive 905, a computer 901 is connected to an MPU 911, a ROM 912 for storing a program such as a bootup program, and the MPU 911, and temporarily stores an instruction of an application program. A RAM 913 that provides storage space, a storage 914 that stores application programs, system programs, and data, a bus 915 that interconnects the MPU 911, ROM 912, and the like, and a connection to a network such as an external network or an internal network is provided. A network card 916. The storage 914 is, for example, a hard disk, SSD, flash memory, or the like.

  A program that causes the computer system 900 to execute the function of the server device 5 may be stored in a disk 921 such as a DVD or a CD-ROM, inserted into the disk drive 905, and transferred to the storage 914, for example. Alternatively, the program may be transmitted to the computer 901 via the network and stored in the storage 914. The program is loaded into the RAM 913 when executed. The program may be loaded directly from the disk 921 or the network. Further, the program may be read into the computer system 900 via another removable recording medium (for example, a DVD or a memory card) instead of the disk 921.

  The program does not necessarily include an operating system (OS) or a third-party program that executes the function of the server device 5 in 901 indicating the details of the computer. The program may include only a part of an instruction that calls an appropriate function or module in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.

  The school terminal 7 and the guardian terminal 8 may be realized by the computer system 900 described above, or may be realized by a portable terminal. In the case of a portable terminal, in the configuration of a server or a stationary PC such as the computer system 900, for example, the keyboard 902 and the mouse 903 are touch panels, the disk drive 905 is a memory card slot, and the disk 921 is a memory card. It is preferred that it be replaced.

  Further, the electronic money terminal 6 may be realized by a portable terminal or an IC card. In the case of an IC card, in the configuration of the mobile terminal, the touch panel, the memory card slot and the memory card, and the display 904 are usually deleted.

  Furthermore, such a portable terminal or IC card can also implement the electronic money terminal 1 by executing the program in the first embodiment. The school terminal 2 and the guardian terminal 3 can be realized by a computer system 900 or a portable terminal. However, the above is an example, and the hardware configuration of a computer that realizes the electronic money terminal 1, the server device 5, and the like is not limited.

  In the above program, in a transmission step for transmitting information, a reception step for receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmission step (only performed by hardware). Not included) is not included.

  Further, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, two or more communication means (for example, the server reception unit 52, the server transmission unit 55, etc.) existing in one device may be physically realized by one medium. Needless to say.

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the electronic money terminal, the server device, and the like according to the present invention have an effect that the withdrawal can be made only to a specific terminal, and are useful as an electronic money terminal, a server device, and the like.

1, 6 Electronic money terminal 1, 5 Server device 2, 7 School terminal 3, 8 Parent terminal 11, 61 Storage unit 12, 62 Reception unit 13, 65 Processing unit 21, 71 School reception unit 22, 72 School transmission unit 31 , 81 Parent reception unit 32, 82 Parent transmission unit 51 Server storage unit 52 Server reception unit 53 Server reception unit 54 Server processing unit 55 Server transmission unit 63 Transmission unit 64 reception unit 100, 500 Electronic money system 111 User identifier storage unit DESCRIPTION OF SYMBOLS 112 Deposit information storage part 113 Claim information storage part 121 Deposit information reception part 122 Withdrawal instruction reception part 123 Refund instruction reception part 124 Account refund instruction reception part 131 Deposit information storage part 132 Withdrawal process part 133 Refund process part 134 Account refund process 511 Server billing information storage unit 512 Server deposit information storage unit 521 Server settlement instruction Shin 531 server refund instruction receiving section 541 servers settlement processing unit 542 server refund information structure unit 551 server refund information transmitting unit

Claims (10)

A deposit information storage unit for storing deposit information which is information of deposit;
A deposit information receiving unit for receiving deposit information;
A deposit information accumulating unit for accumulating the deposit information received by the deposit information receiving unit in the deposit information storing unit;
A withdrawal instruction accepting unit for accepting withdrawal instructions from a specific terminal;
An electronic money terminal comprising: a withdrawal processing unit that performs a withdrawal process for changing the deposit information in the deposit information storage unit in response to acceptance of the withdrawal instruction. A billing information storage unit for storing billing information related to billing;
The withdrawal processing unit
2. The electronic money terminal according to claim 1, wherein in accordance with acceptance of the withdrawal instruction, a withdrawal process is performed in which the withdrawal information corresponding to the amount corresponding to the billing information is changed. Two or more pieces of billing information are stored in the billing information storage unit,
The two or more billing information is associated with at least one specific terminal among the two or more specific terminals,
The withdrawal processing unit
3. The electronic money terminal according to claim 2, wherein a withdrawal process is performed to change the deposit information corresponding to the amount corresponding to the billing information corresponding to the specific terminal that has transmitted the withdrawal instruction. A server deposit information storage unit in which deposit information, which is deposit information, is stored in association with the user identifier;
A server payment instruction receiving unit for receiving a payment instruction having a user identifier from an electronic money terminal communicating with a specific terminal or a specific terminal;
A server apparatus comprising: a server payment processing unit that performs a payment process corresponding to the payment instruction by using payment information paired with a user identifier included in the payment instruction in response to reception of the payment instruction. A server billing information storage unit for storing one or more billing information related to billing;
The server settlement processing unit
The server device according to claim 4, wherein in response to receiving the settlement instruction, a settlement process is performed on billing information corresponding to the settlement instruction of a user identified by a user identifier included in the settlement instruction. The server billing information storage unit stores two or more billing information, and each billing information is associated with a terminal identifier for identifying a specific terminal,
The settlement instruction is
A user identifier and a terminal identifier of a specific terminal that has communicated with the electronic money terminal;
The server settlement processing unit
6. The server device according to claim 5, wherein in response to receiving the payment instruction, the user identified by the user identifier included in the payment instruction can only perform payment processing for the billing information associated with the terminal identifier included in the payment instruction. The recording medium is
A deposit information storage unit for storing deposit information which is information of deposit;
An electronic money processing method realized by a deposit information receiving unit, a deposit information accumulating unit, a withdrawal instruction receiving unit, and a withdrawal processing unit included in an electronic money terminal,
A deposit information receiving step in which the deposit information receiving unit receives deposit information;
A deposit information accumulating step in which the deposit information accumulating unit accumulates the deposit information received by the deposit information accepting unit in the deposit information storing unit;
The withdrawal instruction accepting step, wherein the withdrawal instruction acceptance unit accepts a withdrawal instruction from a specific terminal;
An electronic money processing method comprising: a withdrawal processing step in which the withdrawal processing unit performs a withdrawal process for changing the deposit information in the deposit information storage unit in response to acceptance of the withdrawal instruction. The recording medium is
A server deposit information storage unit in which deposit information, which is deposit information, is stored in association with the user identifier;
An electronic money processing method realized by a server settlement instruction receiving unit and a server settlement processing unit included in a server device,
The server payment instruction receiving unit receives a payment instruction having a user identifier from an electronic money terminal or a specific terminal communicating with a specific terminal; and
A server payment processing step in which the server payment processing unit performs payment processing corresponding to the payment instruction by using payment information paired with a user identifier included in the payment instruction in response to reception of the payment instruction. Electronic money processing method. The recording medium accessible by the computer of the electronic money terminal is
A deposit information storage unit for storing deposit information which is information of deposit;
A computer of the electronic money terminal;
A deposit information receiving unit for receiving deposit information;
A deposit information accumulating unit for accumulating the deposit information received by the deposit information receiving unit in the deposit information storing unit;
A withdrawal instruction accepting unit for accepting withdrawal instructions from a specific terminal;
A program for functioning as a withdrawal processing unit that performs a withdrawal process for changing the deposit information in the deposit information storage unit in response to acceptance of the withdrawal instruction. The recording medium accessible by the computer of the server device is
A server deposit information storage unit in which deposit information, which is deposit information, is stored in association with the user identifier;
A computer of the server device;
A server payment instruction receiving unit for receiving a payment instruction having a user identifier from an electronic money terminal communicating with a specific terminal or a specific terminal;
A program for functioning as a server payment processing unit that performs payment processing corresponding to the payment instruction by using payment information paired with a user identifier included in the payment instruction in response to reception of the payment instruction.

Images