JPH10307885A - Electronic money system, electronic money card, electronic money transaction method, recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic money(EM) system, an EM card and an EM transaction method capable of supporting plural EM systems and executing payment corresponding to each purpose. SOLUTION: An IC card 18 stores signed EM and unsigned EM. Either one of payment based on signed EM and that based on unsigned EM is set up in each EM terminal 15 as payment method information in accordance with security e.g. At the time of payment, a user inserts the IC card 18 into the terminal 15. The terminal 15 transmits a payment amount and the payment method information to the card 18. The card 18 reads out EM information corresponding to the received payment method information by the payment amount in response to the transmitted data and pays out the read amount into the terminal 15. When the payment method information indicates the payment based on signed EM, the card 18 adds a sign based on its own secret key to the EM to pay out it.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money system, an electronic money card, an electronic money transaction method, and a recording medium that support a plurality of electronic money systems and can make payment by a payment method according to a use.

[0002]

2. Description of the Related Art There has been proposed an electronic money system in which electronic money having a monetary value is stored in an IC card and transactions are performed using the IC card. As a payment method in an electronic money system using an IC card, there are a method of using data obtained by adding a digital signature to information related to payment, and a method of simply transferring money amount information.

[0003]

The method using a digital signature has a high level of security and it is difficult to illegally use such as forgery of electronic money. Is slow. Also,
The method of passing only the money information has a quick response,
Since the security level is low, there is a risk of unauthorized use. In real life, the grade of security and response required for payment differs depending on the amount of payment and the scene of payment, so that a single method may fail to satisfy either security or response.

[0004] The present invention has been made in view of the above situation, and has an electronic money system, an electronic money card, an electronic money transaction method, and a record that support a plurality of electronic money systems and can be paid by a payment method according to the application. The purpose is to provide a medium.

[0005]

In order to achieve the above object, an electronic money system according to a first aspect of the present invention processes an IC card for storing electronic money having a monetary value and processes the IC card. An electronic money system for conducting a transaction using a terminal, the electronic money system comprising: a first issuing organization that issues a first electronic money for use with a signature; A second issuing organization for issuing second electronic money for use, wherein the IC card stores the first electronic money issued by the first issuing organization. Means, second storage means for storing the second electronic money issued by the second issuing institution, and at least one of the first and second storage means as the electronic money used for payment. Without The one in the stored or comprises selection means for selecting the electronic money, the.

Further, an electronic money system according to a second aspect of the present invention provides an electronic money system for performing a transaction using an IC card for storing electronic money having a monetary value and a terminal for processing the IC card. In the system, the electronic money system includes an issuing organization that issues the electronic money, and the IC card includes a storage unit that stores the electronic money issued by the issuing organization, and an electronic money that is used for payment. Discriminating means for discriminating whether or not to apply a signature; and when the discriminating means determines that a signature is to be provided, the electronic money is provided with a signature. Means for not giving a signature to

[0007] According to the electronic money systems according to the first and second aspects, it is possible to select and use either electronic money information with a signature or electronic money without a signature according to the application. Thus, it is possible to realize an electronic money system capable of performing payment by an appropriate payment method in different payment situations.

[0008] An electronic money system according to a third aspect of the present invention is an electronic money system for performing a transaction using an IC card for storing electronic money having a monetary value and a terminal for processing the IC card. In the system, the I
The C card has its own secret key, means for storing the first electronic money information, means for storing the second electronic money information, and electronic signature information with a signature as electronic money information used for payment. Selecting means for selecting either the money information or the electronic money information to which a signature is not to be added; and when the electronic money information to which the signature has been added is selected by the selecting means, the first electronic money information is added to the secret key with the secret key. A first transmitting unit for giving a signature and transmitting the payment information as payment information to the terminal; and a case where the electronic money information to which the signature is not added is selected by the selecting unit, a signature is given to the second electronic money information. And a second transmitting means for transmitting the payment information to the terminal without using the IC.
Means for obtaining a public key of a card, means for receiving the payment information from the IC card, and disclosure of the IC card obtained from the obtaining means when the payment information is the first electronic money information. The information processing apparatus includes: means for confirming the signature attached to the first electronic money information with a key; and storage means for storing the payment information.

According to such a configuration, depending on the application,
Either signed electronic money information or unsigned electronic money can be selected and used. Thus, it is possible to realize an electronic money system capable of performing payment by an appropriate payment method in different payment situations.

[0010] The IC card includes a conversion request for requesting that a predetermined amount of the first electronic money information be exchanged for the second electronic money information, and a predetermined amount of the predetermined amount to which a signature is given using its own secret key. Means for transmitting the first electronic money information to the terminal, wherein the terminal responds to the exchange request from the IC card,
Confirm with the public key of the IC card notified from the IC card or previously distributed from the center, and transmit the received second electronic money information corresponding to the first electronic money information to the IC card. Means.
The C card may further include means for receiving and storing the second electronic money information from the terminal.

[0011] An issuing organization for generating electronic money information and supplying it to the IC card may be provided. In this case, the issuing institution generates the first electronic money information and supplies it to the IC card, and the second issuance institution generates the second electronic money information and supplies it to the IC card. And an institution.

[0012] An electronic money system according to a fourth aspect of the present invention provides an electronic money system for performing a transaction using an IC card storing electronic money having a monetary value and a terminal processing the IC card. In the system, the I
The C card has its own secret key, means for storing electronic money information including amount information, and as the electronic money information used for payment, the electronic money information with a signature and the electronic money without a signature. Selecting means for selecting any of the money information; and when the electronic money information with the signature is selected by the selecting means, the electronic money information is signed with the secret key, and the terminal is used as payment information. A first transmitting unit that transmits the electronic money information to the terminal as a payment information without adding a signature to the electronic money information when the electronic money to which the signature is not added is selected by the selecting unit. Transmission means, the terminal comprising: an acquisition means for acquiring a public key of the IC card; a means for receiving the payment information from the IC card; If the signature is attached, and means for verifying the signature with the public key of the IC card acquired from the acquisition means, a storage means for storing the payment information,
Is provided.

According to such a configuration, depending on the application,
Either signed electronic money information or unsigned electronic money can be selected and used. Thus, it is possible to realize an electronic money system capable of performing payment by an appropriate payment method in different payment situations.

Further, the electronic money information is generated and the IC
An issuing authority for supplying the card may be provided.

In the electronic money systems according to the third and fourth aspects, electronic money to be used may be selected according to a request from a terminal. According to such a configuration, when electronic money information is requested from a payment terminal that requires a high-level security payment, the electronic money information with a signature is used, and a payment for a payment that requires a quick response is required. When electronic money is requested from a terminal, an electronic money system using electronic money without a signature can be realized. Alternatively, the user may select (input) electronic money that the user wants to use, and the terminal may request the electronic money selected by the user as electronic money to be used.

Further, the electronic money to be used may be selected according to the transaction amount. Thereby, when the transaction amount is high, it is possible to realize an electronic money system using electronic money with a signature having a high security level.
Further, the electronic money to be used may be selected according to the transaction time.

The electronic money to be used may be selected according to the grade set in the IC card. As a result, an electronic money system that requests a specific user for electronic money with a signature can be realized.

[0018] Further, in order to specify the electronic money information, the issuing institution includes an identification code in the electronic money information, manages an issue amount, a returned amount, and the like for each of the identification numbers. When the electronic money information to be stored is returned, it is determined whether or not the returned amount of the electronic money is smaller than the difference between the issued amount and the amount already returned. Good.

[0019] The terminal may have a terminal identification number for identifying the terminal, and the return means of the terminal includes:
The payment information may further include means for giving the terminal identification number of the terminal to the payment information and returning the terminal, and the issuing organization may determine that the terminal identification number given to the payment information returned by the terminal return means is a predetermined number. A means may be provided for determining whether or not the terminal number matches the terminal number of the payment information, and when the terminal number matches, regardless of the result of confirming the signature included in the payment information, means for validating the payment information.

Further, the IC card has a card identification code for identifying the IC card, and the first card held by the IC card.
Means for causing the electronic money information to include the card identification code as a transaction history.

An electronic money system according to a fifth aspect is an electronic money system for storing electronic money having a monetary value.
In an electronic money system for performing a transaction using a card and a terminal that processes the IC card, the IC card includes a storage unit that stores the electronic money in a plurality of different formats, and a response to a request from the terminal. And selecting means for selecting any one of the plurality of different types of electronic money stored in the storage means. According to such a configuration, the IC card can store a plurality of types of electronic money, and can select an appropriate electronic money depending on the intended use.

The selecting means includes an external instruction and the I
Means for selecting the electronic money to be used based on at least one of a grade set in the C card, a type of a terminal that processes the IC card, a transaction amount, and a transaction time. Is also good.

[0023] The electronic money system may further include means for paying the electronic money by a payment method corresponding to the electronic money selected by the selection means. Thereby, in different payment situations, payment can be made with a payment method suitable for the electronic money selected respectively.

An electronic money system according to a sixth aspect is an IC system for storing electronic money having a monetary value.
In an electronic money system including a card, a transaction terminal for processing the IC card, and a center connected to each terminal by communication, the transaction terminal is set in the IC card when processing the IC card. Based on at least one of a grade, a type of the transaction terminal, a transaction amount, a transaction time, and a communication state or a communication mode between the transaction terminal and the center. A selection unit is provided for selecting any one of an online process and an offline process that does not involve a center.

The IC card may store a first electronic money for online processing and a second electronic money for offline processing. Means for reading and processing the first electronic money from the IC card, and means for reading and processing the second electronic money from the IC card to be processed when offline processing is selected;
May be provided.

An electronic money card according to a seventh aspect is an electronic money card used in an electronic money system for conducting electronic money transactions having a monetary value, wherein the electronic money card is provided with a signature. First storage means for storing first electronic money for use as a second electronic money, second storage means for storing second electronic money for use without giving a signature, and use for payment Selection means for selecting one of the first electronic money and the second electronic money as the electronic money; and, when the first electronic money is selected by the selection means, the first storage means A first transmitting means for reading out the first electronic money corresponding to the payment amount, giving a signature thereto, and transmitting the signature to a payee, and a case where the second electronic money is selected by the selecting means. And a second transmission unit that reads out the second electronic money corresponding to the payment amount from the second storage unit and transmits the same to a payee.

[0027] An electronic money card according to an eighth aspect is an electronic money card used in an electronic money system for performing transactions of electronic money having a monetary value. Storage means for storing, as the electronic money used for payment,
Selecting means for selecting either electronic money with a signature or electronic money without a signature; and when the electronic money with a signature is selected by the selection means, the electronic money corresponding to the payment amount is stored in the storage means. A first transmission unit that reads out the money, gives a signature, and transmits the money to the payee;
A second transmission unit that reads out the electronic money corresponding to the payment amount from the storage unit and transmits the electronic money to the payee when the selection unit selects electronic money to which a signature is not to be added.

According to the electronic money systems according to the seventh and eighth aspects, either electronic money information with a signature or electronic money without a signature can be selected and used according to the application. Thus, it is possible to realize an electronic money system capable of performing payment by an appropriate payment method in different payment situations.

In the electronic money cards according to the seventh and eighth aspects, electronic money to be used may be selected according to a request from a terminal. According to such a configuration, when electronic money information is requested from a payment terminal that requires a high-level security payment, the electronic money information with a signature is used, and a payment for a payment that requires a quick response is required. When electronic money is requested from a terminal, an electronic money card using electronic money without a signature can be realized.

Further, the electronic money to be used may be selected according to the transaction amount. Thereby, when the transaction amount is high, it is possible to realize an electronic money card using electronic money with a signature having a high security level.

The electronic money to be used may be selected according to the grade set in the IC card. Thus, an electronic money card that requests a specific user for electronic money with a signature can be realized. Further, the electronic money to be used may be selected based on the transaction time.

An electronic money card according to a ninth aspect is an electronic money card used in an electronic money system for performing electronic money transactions having a monetary value, wherein the electronic money card has a plurality of different electronic money cards. Storage means for storing the electronic money in a format; and selecting means for selecting any electronic money from a plurality of different forms of the electronic money stored in the storage means in response to an external request; Is provided. According to such a configuration, the IC card stores a plurality of types of electronic money,
Appropriate electronic money can be selected according to the intended use.

[0033] The selection means may include at least one of an external instruction, a grade set in the electronic money card, a type of terminal processing the electronic money card, a transaction amount, and a transaction time. Means for selecting the electronic money to be used for payment based on the electronic money.

[0034] The electronic money card may further include means for paying the electronic money by a payment method corresponding to the electronic money selected by the selecting means. This allows
In different payment situations, payment can be made by a payment method suitable for the electronic money selected respectively.

The electronic money transaction method according to the tenth aspect provides an electronic money transaction method for storing electronic money having a monetary value.
In an electronic money system for performing a transaction using a C card, a step of storing a first electronic money with a signature on the IC card, and a second electronic money without a signature on the IC card. Storing the money as electronic money to be used for payment;
A selecting step of selecting one of the electronic money and the second electronic money, and a step of reading and using the electronic money selected by the selecting step from the IC card for a payment amount.

The electronic money transaction method according to the eleventh aspect is a method for storing electronic money having a monetary value.
In an electronic money system for performing a transaction using a C card, a step of providing the IC card with a secret key of the IC card, a step of storing the electronic money in the IC card, A selecting step of selecting either the electronic money information with the signature or the electronic money without the signature; and if the electronic money with the signature is selected by the selecting step, the payment amount from the IC card Reading the corresponding electronic money and using the IC card by applying a signature with the secret key of the IC card; and selecting the electronic money to which the signature is not applied by the determining step.
Reading the electronic money corresponding to the payment amount from the IC card and using the electronic money without giving a signature.

According to the electronic money transaction method according to the tenth and eleventh aspects, either electronic money with a signature or electronic money without a signature can be selected and used according to the application. Thus, it is possible to realize an electronic money system capable of performing payment by an appropriate payment method in different payment situations.

The selecting step includes an external instruction,
Grade set for each IC card, type of terminal processing each IC card, transaction amount, transaction time,
Selecting the electronic money to be used for payment based on at least one of the following.

The electronic money transaction method according to the twelfth aspect is a method for storing electronic money having a monetary value.
An electronic money transaction method in an electronic money system including a C card, a transaction terminal that processes the IC card, and a center connected to each of the terminals by communication, wherein the transaction terminal processes the IC card. Sometimes, an external instruction, a grade set in the IC card, a type of the transaction terminal, a transaction amount, a transaction time, a communication state or a communication form between the transaction terminal and the center. , On the basis of at least one of the following, a step of selecting one of a processing form of online processing via a center and offline processing without a center.

In the selecting step, when online processing is selected, electronic money for online processing is read from the IC card to be processed and processed.
Reading off the electronic money for offline processing from the IC card to be processed when offline processing is selected, and processing the electronic money.

A recording medium according to a thirteenth aspect is:
Computer recording a program for causing a computer to function as the transaction terminal in an electronic money system for conducting transactions using an IC card storing a plurality of different types of electronic money and a transaction terminal processing the IC card A readable recording medium, wherein the computer stores at least one of an instruction from the outside, a grade set in the IC card, a type of the transaction terminal, a transaction amount, and a transaction time. On the basis of the program, a program for functioning as a means for selecting electronic money to be used from the plurality of different types of electronic money stored in the IC card to be processed is recorded.

The recording medium according to the fourteenth aspect is
A computer, an IC card for storing electronic money,
A computer-readable recording medium that records a program for functioning as the transaction terminal in an electronic money system including a transaction terminal that processes the IC card and a center connected to each transaction terminal by communication, When the computer processes the IC card, an external instruction, a grade set in the IC card to be used, a type of the transaction terminal, a transaction amount, a transaction time, Based on at least one of a communication state between the terminal and the center,
A program is recorded for functioning as a means for selecting one of a processing form of online processing via a center and offline processing without a center.

Further, a recording medium according to a fifteenth aspect is:
A program for causing a computer to function as the electronic money card in an electronic money system that performs a transaction using an electronic money card that stores a plurality of different forms of electronic money and a transaction terminal that processes the electronic money card. A recorded computer-readable recording medium, wherein the computer, external instructions,
Based on at least one of the grade set in the electronic money card, the type of the transaction terminal, the transaction amount, and the transaction time, the plurality of different formats stored in the electronic money card are stored. A program for functioning as a means for selecting electronic money to be used from electronic money is recorded.

[0044]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An electronic money system according to an embodiment of the present invention will be described below with reference to the drawings.
This electronic money system is a system for performing electronic money transactions, such as payment, using an IC card storing electronic money having a monetary value. As shown in FIG. Terminal 15 and IC
A card 18 and a network 19 are provided. In this system, the IC card 18 and the electronic money terminal 15
The electronic money issuing institution 13 has its own private key, and can obtain the public key of the other party at the time of transaction.

The electronic money issuing institution 13 is composed of a computer for issuing electronic money, checking for illegal transactions, etc., and has a money issuing management DB 11 for storing information on the issued electronic money. As shown in FIG. 2, the money issue management DB 11 stores, among the issue number, issue amount, issue date, issue date, and issued amount for identifying the issued electronic money, the amount already returned by the settlement processing described later. Information such as (return amount) is stored for each issued electronic money.

The electronic money terminal 15 is a terminal for performing electronic money transactions such as charge (supplement of electronic money) and payment to the IC card 18 of the user. One of two types of payment methods corresponding to the security level is set in the electronic money terminal 15 installed in the store. One of the payment methods is a payment method using “signed electronic money”, and the other is a payment method using “unsigned electronic money”. For example, a payment method using signed electronic money is set in the electronic money terminal 15 used for payment (for example, shopping or the like) that requires a high level of security. Further, a payment method using unsigned electronic money is set in the electronic money terminal 15 used for payment that does not require a high level of security (for example, a low-cost payment such as a public telephone).

The IC card 18 has an IC section 20 containing a control circuit and a memory. As shown in FIG. 3, the memory in the IC unit 20 holds a user ID for identifying the IC card 18, its own secret key, the public key of the electronic money issuing organization 13, and the IC card 18. It stores information of electronic money (electronic money information) and the like. The electronic money used in the present system includes electronic money with a signature used by applying a digital signature with the secret key of the IC card 18 and electronic money without a signature without using a signature.
The card 18 stores these two types of electronic money information. For example, when the electronic money terminal 15 requests payment with the signed electronic money, the IC card 18 transmits the signed electronic money information to the electronic money terminal 15.
Further, when the electronic money terminal 15 requests the payment by the electronic money without signature, the IC card 18 transmits the electronic money information without signature to the electronic money terminal 15.

In this electronic money system, the electronic money issuing institution 13 issues electronic money to the user in an “electronic money issuing process” and the user pays using his / her own IC card 18. The basic processing includes "money payment processing" and "electronic money settlement processing" in which the electronic money terminal 15 installed in a store or the like returns the collected electronic money to the electronic money issuing institution 13 at a predetermined timing. Has been realized. These processes will be described below.

First, the electronic money issuing process will be described with reference to FIG. For example, the user attaches his / her IC card 18 to the electronic money terminal 15 and inputs an electronic money issuance request. In response to the input, the electronic money terminal 15 transmits an electronic money issuance request to the electronic money issuing institution 13 via the network 19 (P1).

The electronic money issuing organization 13 issues electronic money in response to the received electronic money issuance request, and stores information such as an issue number, an issue amount, and an issue date in the money issue management DB 11 ( P2). Further, the electronic money issuing institution 13 generates a digital signature (hereinafter, signature) by encrypting the amount information indicating the amount of the electronic money and the additional information with its own private key. Here, the additional information is, for example, a transaction history (for example, a user ID) of the electronic money, division information indicating the history of the amount of money used after being divided from the amount at the time of issuance, and an issue number of the electronic money. And

The electronic money issuing institution 13 adds the generated signature to the amount information and the additional information of the issued electronic money, and transmits it to the electronic money terminal 15 (P3). The electronic money terminal 15 transmits the signed amount information and the additional information received from the electronic money issuing organization 13 to the IC card 18.
Pass to. The IC card 18 receives the amount information and the additional information to which the signature has been added, and confirms that the data obtained by decrypting the signature with the public key of the electronic money issuing organization 13 matches the amount information and the additional information. To confirm the validity of the signature. After the signature is confirmed, the IC card 18 stores the amount information and the additional information in an area of the memory for storing the signed electronic money information.

As a result, the electronic money issued by the electronic money issuing organization 13 can be stored in the user's IC card 18. The method of paying for the issued electronic money is arbitrary, for example, by transferring an amount corresponding to the issued electronic money from the settlement account of the user to the settlement account of the electronic money issuing organization 13.

Next, regarding the electronic money payment processing, FIG.
This will be described with reference to FIG. First, a payment process using signed electronic money will be described. For example, when a user purchases an article at a store and pays the price to the electronic money terminal 15 of the store, the user attaches his / her IC card 18 to the electronic money terminal 15 installed at the store. The electronic money terminal 15 of the store stores the payment method information (in this case, the payment method using “signed electronic money”), which is the information of the payment method set for itself, and the request for the electronic money for the purchase amount by IC. The data is transmitted to the card 18 (P11). IC
The card 18 responds to the received payment method information and request for electronic money, and reads the requested amount of electronic money from the area where the signed electronic money is stored. At this time, the method of selecting the electronic money to be read is arbitrary.

The IC card 18 signs the read electronic money information with its own secret key,
(P12). The electronic money terminal 15 decrypts the signature received from the IC card 18 with the public key of the IC card 18, confirms it, and stores it in its own storage unit (not shown). Thereby, the electronic money terminal 1 is transferred from the IC card 18.
5 can pay the signed electronic money.

Next, a payment process using unsigned electronic money will be described. Unsigned electronic money in the present system is stored in an area of the IC card 18 where unsigned electronic money is stored. For example, a user inserts the IC card 18 into a public telephone type electronic money terminal 15.
The electronic money terminal 15 sends the payment method information set for itself (in this case, a payment method using “unsigned electronic money”) and a request for electronic money equivalent to the payment amount to the IC card 1.
8 (P11).

The IC card 18 responds to the received payment method information and request for electronic money, reads out the requested amount of electronic money from the area where the unsigned electronic money is stored, and transmits it to the electronic money terminal 15 ( P12). The electronic money terminal 15 stores the electronic money received from the IC card 18 in its own storage unit. Thereby, the electronic money without signature can be paid from the IC card 18 to the electronic money terminal 15.

In at least one of the payment processing using the signed electronic money and the payment processing using the unsigned electronic money, when the balance of the electronic money to be used is exhausted, the operation such as payment with cash is performed. The processing may be dealt with, or the transaction may be terminated.

Next, the electronic money settlement processing will be described with reference to FIG. First, the settlement processing of electronic money with a signature will be described. The electronic money terminal 15 installed in the store reads out the electronic money stored in its own storage unit at a predetermined timing (for example, once a day), signs it with its own secret key, and sends the electronic money together with the payment request. It is transmitted to the issuing organization 13 (P21). Electronic money issuing organization 1
3 receives the settlement request from the electronic money terminal 15 and the electronic money to which the signature is attached, and confirms the signature attached to the electronic money with the public key of the electronic money terminal 15. After confirming the signature, the electronic money issuing institution 13 refers to the information in the money issuance management DB 11 for the received electronic money and checks whether the electronic money is illegally used (P22).

The check processing of the illegal use of electronic money will be described. First, the electronic money issuing institution 13
The electronic money information (money information and additional information) received from the electronic money terminal 15 is totalized for each issue number in the additional information. Next, electronic money issuing organization 1
No. 3 determines whether or not the aggregated amount information is smaller than the difference between the issue amount of the same issue number in the money issue management DB 11 and the return amount. Here, the difference between the issue amount and the return amount is
Indicates the amount of money that should be currently distributed between users (distribution amount). In this determination, when it is determined that the aggregated amount information is larger than the circulation amount, the electronic money issuing institution 1
No. 3 notifies detection of double use of electronic money. Also,
When it is determined that the totaled amount is smaller than the circulation amount, the electronic money issuing institution 13 determines that there is no abnormality, adds the totalized amount to the return amount of the money issuance management DB 11, and ends the check processing. I do.

After the completion of the check processing, the electronic money issuing institution 13 stores the received electronic money information in its own storage unit, and pays the amount corresponding to the settled electronic money to the electronic money terminal 15. The payment method in this case is, for example,
It is optional, such as transferring an amount corresponding to electronic money settled from the settlement account of the electronic money issuing institution 13 to the settlement account of the store having the electronic money terminal 15.

The settlement processing using electronic money without a signature will be described. Electronic money terminal 15 installed in the store
Reads the unsigned electronic money from its own storage,
The request is transmitted to the electronic money issuing institution 13 together with the settlement request (P
21). The electronic money issuing institution 13 receives the electronic money without signature and pays the amount corresponding to the electronic money to the store having the electronic money terminal 15. The payment method is arbitrary as in the case of the above-mentioned electronic money with signature.

[0062] Of the electronic money stored in the IC card 18, unsigned electronic money can be obtained by, for example, converting (changing) signed electronic money into unsigned electronic money. The exchange processing of the electronic money without signature will be described with reference to FIG. The user inserts his / her IC card 18 into the electronic money terminal 15 and inputs a request to convert a predetermined amount of signed electronic money into unsigned electronic money. Electronic money terminal 1
5 requests the IC card 18 with the inserted electronic money of a predetermined amount in response to the input (P3).
1). In response to the request from the electronic money terminal 15, the IC card 18 reads a predetermined amount of electronic money from the area for storing the electronic money with the signature, signs the electronic money with its own secret key, and transmits the electronic money to the electronic money terminal 15. (P32).

The electronic money terminal 15 transmits the received signed electronic money to the electronic money issuing organization 13 (P3
3) A predetermined amount of unsigned electronic money is transferred to the IC card 1
8 (P34). The IC card 18 stores the received unsigned electronic money for the predetermined amount in an area for storing the unsigned electronic money. Thereby, the IC card 1
8 can be exchanged for electronic money without signature. Note that the electronic money terminal 15 may acquire unsigned electronic money to be supplied to the IC card 18 by, for example, previously receiving unsigned electronic money for a predetermined amount from an electronic money issuing organization. is there.

For example, the first electronic money issuing organization may issue signed electronic money, and the second electronic money issuing organization may issue unsigned electronic money. In this case, FIG.
As shown in (2), the exchange terminal receives the electronic money (signed electronic money) from the first electronic money issuing organization from the IC card 18 (P41), and receives the electronic money (no signature) from the second electronic money issuing organization. Electronic money)
It is supplied to the C card 18 (P42). Electronic money terminal 1
5 returns the received signed electronic money to the first electronic money issuing organization (P43). Further, the electronic money terminal 15 receives the electronic money 18 to be supplied to the IC card 18 from the second electronic money issuing organization (P4).
4).

Further, the IC card 18 may transmit unsigned electronic money to the exchange terminal, and the exchange terminal may transmit the received electronic money with signature corresponding to the received electronic money to the IC card 18.

In such an electronic money system,
The case where the user A pays the electronic money by his / her IC card 18B by a different payment method will be specifically described. For example, when a user A makes a call using a public telephone, the IC card 1 is stored in a public telephone type electronic money terminal 15C.
Insert 8B. Since the transaction amount is small in the public telephone type electronic money terminal 15C, it is assumed that a payment method using unsigned electronic money is set. The electronic money terminal 15C requests the IC card 18B for electronic money without a signature corresponding to the call fee. In response to this, the IC card 18B reads out the unsigned electronic money of the requested amount from the memory and transmits it to the electronic money terminal 15C. The electronic money terminal 15C stores the received unsigned electronic money in its own storage unit.

Next, when the user A purchases an article at a certain store, the user A or a clerk attaches the IC card 18B to the electronic money terminal 15D which is a payment terminal installed in the store, and the price of the article is changed. Enter In the case of purchasing an article, since the transaction amount may be high, a high-level security is desirable. Therefore, it is assumed that the electronic money terminal 15D is set to a payment method using signed electronic money. In response to the input, the electronic money terminal 15D requests the electronic money with the input amount of the signed electronic money from the IC card 18B. In response to this, the IC card 18B reads out the requested amount of electronic money from the area for storing the signed electronic money, signs it with its own private key, and transmits it together with its own public key to the electronic money terminal 15D. . The electronic money terminal 15D confirms the signature given to the received electronic money with the public key of the user A, and stores it in its own storage unit.

Next, a case where the user A pays a fare by an automatic ticket gate will be described. Since it is desirable for the automatic ticket gate to have a short processing time, a payment method using unsigned electronic money that does not perform signature generation / confirmation processing is suitable. Therefore,
Automatic ticket gate type electronic money terminal 15E placed at each station
Is set to be paid by unsigned electronic money. First, the electronic money terminal 1 placed at the boarding station
An IC card 18E is inserted into 5E, and, for example, a code indicating the station is stored in the IC card 18B. Next, the IC card 18 is stored in the electronic money terminal 15E located at the getting off station.
When B is inserted, the electronic money terminal 15E calculates the fare and requests the IC card 18B for the calculated amount of unsigned electronic money. In response, the IC card 18B
Reads the requested amount of unsigned electronic money from the memory and sends it to the electronic money terminal 15E. The electronic money terminal 15E stores the received unsigned electronic money in its own storage unit. Alternatively, the IC card 18E may be a non-contact type IC card, and perform wireless communication with the electronic money terminal 15E arranged at the boarding station.

Next, a case where the user A pays a toll at a tollgate such as an expressway will be described. In such a toll booth, since a quick response at the counter is desired, a payment method using unsigned electronic money is suitable. Therefore, it is assumed that the payment by the electronic money without signature is set to the electronic money terminal 15F which is the payment machine arranged at each tollgate. At the counter of the toll booth, the user A gives his / her IC card 18B to the attendant. The clerk sends an I to the electronic money terminal 15F.
Insert the C card 18B. The electronic money terminal 15F requests the IC card 18B for unsigned electronic money equivalent to a toll. In response, the IC card 18B reads the requested amount of unsigned electronic money from the memory and transmits the electronic money to the electronic money terminal 15F. Electronic money terminal 15F
Stores the received unsigned electronic money in its own storage unit.

As described above, according to the present system, electronic money with a signature is used when a high level of security is required, and electronic money without a signature is used when a fast response is required. This makes it possible to realize an electronic money system in which payment can be made with a payment method suitable for each of different payment situations.

In the above description, each electronic money terminal 1
5, the payment method is set, and the electronic money (signed electronic money or unsigned electronic money) to be used is determined according to the setting. May be determined. In this case, a predetermined amount is set as a threshold value in the electronic money terminal 15. The electronic money terminal 15 compares the transaction amount with the threshold value. If the transaction amount is higher than the threshold value, the electronic money terminal 15 requests the IC card 18 to use the signed electronic money, and the transaction amount becomes the threshold value. If lower, the IC card 18 is requested to use unsigned electronic money.

The payment method may be determined according to the grade set for each user. In this case, for example, a grade is set for the IC card 18 of each user. For example, when an IC card 18 with a high grade is inserted into the electronic money terminal 15, the electronic money terminal 15 reads the grade from the IC card 18 and determines that the read grade is a high grade. Requires payment by unsigned electronic money. I with low grade
When the C card 18 is inserted into the electronic money terminal 15, the electronic money terminal 15 reads the grade from the IC card 18, determines that the read grade is a lower grade, and requests the IC card 18 to pay by the signed electronic money. I do.

Further, the payment method may be determined according to the transaction time. For example, during the night, payment using electronic money with a signature excellent in security may be selected, and during the day, payment using simple electronic money without a signature may be selected. As a result, for example, a system that can be operated for 24 hours can be realized. Further, a user having an IC card may select a payment method.

Further, in the above description, the electronic money terminal 15 is used to change the electronic money from the electronic money with the signature to the electronic money without the signature. However, the present invention is not limited to this. May be performed. For example, in the case of payment using unsigned electronic money, if the unsigned electronic money stored by the user is smaller than the transaction amount, the control unit of the IC card 18 moves the specified amount of signed electronic money to its temporary storage area. And
A predetermined amount of unsigned electronic money is added to the area of unsigned electronic money. In addition, a minimum amount is set in advance, and when the remaining amount of unsigned electronic money becomes smaller than the minimum amount, a predetermined amount is added, and the same amount of electronic money with signature is temporarily stored in its own. You may make it memorize | store in an area | region. The electronic money with the signature stored in the temporary storage area is signed by the secret key of the IC card 18 when the IC card 18 makes a transaction with the electronic money terminal 15 and transmitted to the electronic money terminal 15. You. The electronic money terminal 15 transmits the received electronic money with the signature to the electronic money issuing institution 13 as it is. The electronic money issuing institution 13 confirms the signature of the received electronic money with the signature, and performs the above-described unauthorized use checking process.

The method of storing electronic money in the IC card 18 is arbitrary. For example, as shown in FIG.
Only one type of electronic money consisting of money amount information and additional information may be stored, and the presence or absence of a signature may be selected according to a request. In this case, the IC card 18 has an area for storing one type of electronic money information as shown in FIG. In the case of payment, when payment is requested by signed electronic money, the IC card 18 reads out the electronic money information as shown by a solid line in FIG. Send it to the money terminal 15. When payment by electronic money without signature is requested, the IC card 18 reads the electronic money information as shown by the broken line in FIG. 9 and transmits it to the electronic money terminal 15 without adding a signature. Electronic money terminal 1
5 returns the received signed electronic money or unsigned electronic money to the electronic money issuing institution 13.

Further, in the present system, the paid electronic money with signature and the electronic money without signature can be stored in the same database. Here, a reliable electronic money terminal is set, and the electronic money returned from this terminal together with the settlement request is treated in the same manner as an electronic money with an authorized signature. In this case, the electronic money issuing institution 13 gives an identification tag to each reliable terminal, and exchanges the identification tag before the terminal returns to the electronic money issuing institution 13. As a result, as shown in FIG.

In the above description, the electronic money terminal 15
Requested either signed electronic money or unsigned electronic money, but the IC card 18 itself
The payment method set in 5 may be determined, and the corresponding electronic money may be read and transmitted according to the determination result.

In the above description, the contact type (exchanging data by contacting the external connection terminal of the IC card with the terminal (connection terminal of the IC card reader / writer) and exchanging data) is mainly described. It may be a type. In this case, a wireless communication function is provided in the electronic money terminal, and a non-contact type
It communicates with the C card to exchange data.

For example, at a tollgate such as an expressway, a clerk or a dedicated machine processes the collection of tolls for users (automobiles) lined up at the counter one by one.
As shown in FIG. 2, the user's IC card 18 receives the toll and the payment method information wirelessly transmitted from the electronic money terminal of the tollgate, and wirelessly transmits the requested amount of electronic money to the tollgate. . In this case, it is desirable to pay by "unsigned electronic money" for the response priority.
As a result, it is possible to realize a non-stop fee collection system that can save the trouble of handing and processing the IC card 18 at the toll booth.

Since the communication distance of the IC card itself is very short, an auxiliary device for increasing the communication distance may be provided. For example, a device (a kind of repeater) that receives and amplifies radio waves from an electronic money terminal and supplies the amplified radio waves to an IC card and amplifies the output radio waves of the IC card and transmits the amplified electric waves to the electronic money terminal is arranged near the IC card. You may.

Similarly, the IC card itself uses a contact type, an electronic money terminal having a wireless communication function and an IC card reader / writer are arranged, and wireless communication is performed between the electronic money terminal and the IC card reader / writer. The electronic money may be written / read to / from the IC card. Such a configuration is also effective for a toll collection system such as a highway.

The present invention is not limited to the electronic money system described above, but can be realized on various electronic money systems. For example, a case in which the present invention is realized as a prepaid electronic money system in which a predetermined amount of electronic money is charged into an IC card and used will be described below. FIG. 13 shows the configuration of this electronic money system.
In this system, a user requests an issuing station to issue a predetermined amount of electronic money. The issuing authority registers the issuance amount, user ID, etc. in the issuance DB, as shown in FIG.
The user ID and electronic money are transmitted to the IC card. The user's IC card receives the user's ID and electronic money. The IC card updates the balance according to the amount of the received electronic money.

For example, if user A makes a 200-yen purchase using an IC card that has 1000-yen electronic money, the balance of the IC card is reduced by 200 yen (FIG. 1).
4 (B)). At this time, when the electronic money with a signature is requested from the store terminal, the IC card attaches a signature to the electronic money and pays. When electronic money without a signature is requested, the IC card pays the electronic money without adding a signature.

At the time of payment, the shop terminal generates a transaction ID for specifying the payment, and generates a transaction ID as shown in FIG.
Is stored as transaction information as shown in FIG. For example, the transaction ID may be configured by combining a transaction date, a terminal ID, and the like. In addition, the store terminal transmits the transaction information stored by itself to the issuing organization for the settlement processing. The issuing institution stores the received transaction information in the collected DB (FIG. 14D. Also, the amount collected up to now from the user may be stored in the collected DB.

Since the transaction ID is unique,
When the issuing organization stores the transaction information in the collection DB, by checking for the existence of the same transaction ID,
Unauthorized use can be detected. Also, by comparing the total amount of money issued to the user with the total amount of money collected, if it is determined that the total amount of money collected is larger, it is possible to detect unauthorized use of electronic money by that user. .

Also, for example, the present invention is applied to a case where electronic money (inseparable electronic coin) signed by an issuing authority is used.
May be realized on an electronic money system that is distributed. This case will be described below. The issuing station issues a predetermined amount of electronic coin in response to a request from the user, stores the issued amount and the user ID in the issuing DB, and transmits the electronic coin to the IC card. An issued electronic coin is provided with an electronic coin number for specifying the electronic coin. For example, a blind signature may be used for the electronic coin number so that the electronic coin number is not known to the issuing authority.

In the case of payment, when payment by a signed electronic coin is requested, the IC card applies a signature to the electronic coin with its own secret key and pays it to the store terminal. If an unsigned electronic coin is requested, IC
The card pays an electronic coin without a signature.

The store terminal transmits the electronic coin stored by itself to the issuing organization for the payment processing. The issuing institution stores the received transaction information in the collected DB. At this time,
Unauthorized use can be detected by checking for the presence of the same electronic coin number. Also, issuance DB
When an electronic coin that is not stored in the electronic coin is collected, the electronic coin can be detected as a counterfeit coin.

Further, the electronic money system of the present invention is not limited to the above-described electronic money system that handles the two types of electronic money (signed / unsigned electronic money), and is optional. For example, as shown in FIG. 15, it may be realized as a system using an IC card that stores three types of electronic money, and as shown in FIG. It may be realized as an electronic money system using a paying IC card. In this case, for example, when an IC card storing three types of electronic money for the X, Y, and Z groups is used at an X department store belonging to the X group, the electronic money for the X group is selected as the electronic money to be used. May be performed.

In the above description, payment by signed electronic money or payment by unsigned electronic money is selected according to the nature of the transaction, but the present invention is not limited to this. Depending on the transaction time, the grade of the card used, the type of the terminal, and the like, online payment processing via a center (not shown), which is a higher-level device of the terminal, or offline payment processing without the center may be selected. For example, the center stores information (issue number etc.) for confirming the validity of the electronic money, and in the online processing, for example, after confirming the validity of the used electronic money at the center, the payment processing is performed. In the off-line processing, the payment processing may be performed without performing the confirmation processing in the center. The center (not shown) may be included in the electronic money issuing institution 13, for example.

Further, the online processing may be selected when the communication between the terminal and the center is online, and the offline processing may be selected when the communication between the terminal and the center is offline. . Offline processing is selected when communication between the terminal and the center is performed through the Internet or the like, and online processing is selected when communication between the terminal and the center is performed through a dedicated line or the like. You may make it. Alternatively, offline processing may be selected when the communication state between the terminal and the center is busy, and online processing may be selected otherwise. The IC card stores online electronic money and offline electronic money,
When online processing is selected, online electronic money (for example, electronic money with a signature) is used,
When offline processing is selected, electronic money for offline use (for example, electronic money without a signature) may be used.

The electronic money system of the present invention
The present invention can be realized by using an ordinary computer system without using a dedicated system. By installing the program from a medium (a floppy disk, a CD-ROM, or the like) storing a program for executing the above-described operation in the computer, the electronic money issuing institution 13 and the electronic money terminal 15 that execute the above-described processing are installed. Can be configured. Note that when the OS realizes the above-mentioned functions by sharing the OS or jointly using the OS and the application, the OS
Only the part other than S may be stored in the medium.

The medium for supplying the program to the computer may be a communication medium (a medium that temporarily and fluidly stores the program, such as a communication line, a communication network, or a communication system). For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

[0094]

As described above, according to the present invention,
Any of the different forms of electronic money can be selected and used depending on the application. Thus, in different payment situations, payment can be made by an appropriate payment method.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an electronic money system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a configuration of a money issuance management DB.

FIG. 3 is a diagram showing a structure of data stored in an IC card.

FIG. 4 is a diagram for explaining electronic money issuing processing.

FIG. 5 is a diagram for explaining electronic money payment processing.

FIG. 6 is a diagram for explaining electronic money settlement processing.

FIG. 7 is a diagram for explaining an exchange process for electronic money without a signature.

FIG. 8 is a diagram for explaining exchange processing when first and second electronic money issuing organizations are provided.

FIG. 9 is a diagram for describing an electronic money system using an IC card storing one type of electronic money information.

FIG. 10 is a diagram showing a structure of data stored in an IC card storing one type of electronic money information.

FIG. 11 is a diagram for explaining a case where a highly reliable electronic money terminal is arranged and the electronic money issuing DB manages both signed electronic money and unsigned electronic money.

FIG. 12 is a diagram for explaining a toll collection process on a highway or the like.

FIG. 13 is a configuration diagram when the present invention is realized as a prepaid electronic money system.

FIG. 14 is a diagram for explaining electronic money transactions in a prepaid electronic money system.

FIG. 15 is a schematic diagram of an electronic money system using an IC card that stores three types of electronic money.

FIG. 16 is a schematic diagram of an electronic money system using an IC card for paying one type of electronic money according to three types of electronic money systems.

[Explanation of symbols]

 11 Money Issuance Management DB 13 Electronic Money Issuing Organization 15 Electronic Money Terminal 18 IC Card 19 Network

──────────────────────────────────────────────────の Continuation of front page (51) Int.Cl. ⁶ Identification code FI G09C 1/00 660 G09C 1/00 660A G07F 7/08 Z H04L 9/32 H04L 9/00 675D

Claims (38)

[Claims] 1. An electronic money system for performing a transaction using an IC card for storing electronic money having a monetary value and a terminal for processing the IC card, wherein the electronic money system is provided with a signature. The IC card, comprising: a first issuing organization that issues first electronic money for use; and a second issuing organization that issues second electronic money for use without applying a signature. Comprises: first storage means for storing the first electronic money issued by the first issuing organization;
A second storage unit for storing the second electronic money issued by the second issuing organization; and at least one of the first and second storage units as the electronic money used for payment. Selecting means for selecting the stored electronic money. An electronic money system, comprising: 2. An electronic money system for conducting a transaction using an IC card storing electronic money having a monetary value and a terminal processing the IC card, wherein the electronic money system issues the electronic money. A storage unit for storing the electronic money issued by the issuance institution; and a determination unit for determining whether to apply a signature to the electronic money to be used for payment. A means for applying a signature to the electronic money when it is determined that the signature is to be given by the determination means, and a means for not giving a signature to the electronic money when it is determined not to give the signature. Electronic money system. 3. An electronic money system for performing a transaction using an IC card storing electronic money having a monetary value and a terminal processing the IC card, wherein the IC card has its own secret key. Means for storing first electronic money information; means for storing second electronic money information; and electronic money information with a signature and electronic money information without a signature as electronic money information used for payment. Selecting means for selecting any one of the following: when the electronic money information with the signature is selected by the selecting means, a signature is given to the first electronic money information with the secret key, and the terminal is used as payment information. A first transmitting unit for transmitting the electronic money information to which the signature is not to be added, and a signature to the second electronic money information when the electronic money information to which the signature is not to be added is selected by the selecting unit. A second transmission unit that transmits the payment information to the terminal as payment information without receiving the payment information from the IC card; and a unit that receives the payment information from the IC card. When the payment information is the first electronic money information,
A means for confirming the signature attached to the first electronic money information with a public key of the IC card obtained by the obtaining means; and a storage means for storing the payment information. Electronic money system. 4. An electronic money system for performing a transaction using an IC card storing electronic money having a monetary value and a terminal processing the IC card, wherein the IC card has its own secret key. Means for storing electronic money information including amount information; and selecting means for selecting either the electronic money information with a signature or the electronic money information without a signature as the electronic money information to be used for payment. When the electronic money information with the signature is selected by the selection unit, a first transmission unit that adds a signature to the electronic money information with the secret key and transmits the electronic money information to the terminal as payment information, When the electronic money without the signature is selected by the selection means, the electronic money information is sent to the terminal as payment information without adding a signature to the terminal. And a second transmitting unit for receiving the public key of the IC card; a unit for receiving the payment information from the IC card; and a signature attached to the payment information. Electronic money system, comprising: means for confirming the signature with the public key of the IC card obtained from the obtaining means; and storage means for storing the payment information. 5. The electronic money information provided with the signature and the electronic money information not provided with the signature in response to a request from the terminal. Item 5. The electronic money system according to item 3 or 4. 6. The electronic money information provided with the signature and the electronic money information not provided with the signature are selected according to a transaction amount. 5. The electronic money system according to 4. 7. The electronic money information to which the signature is attached and the electronic money information to which the signature is not attached are selected according to a transaction time. 5. The electronic money system according to 4. 8. A grade of said IC card is set for each of said IC cards, and said selecting means of each of said IC cards gives said signature in accordance with said grade defined for said IC card. 5. The electronic money system according to claim 3, wherein one of the electronic money information and the electronic money information to which the signature is not added is selected. 6. 9. The IC card according to claim 1, wherein the IC card requests a change of the predetermined amount of the first electronic money information into the second electronic money information, and the IC card is provided with a signature by the secret key of the IC card. Means for transmitting the first electronic money information of the amount to the terminal, wherein the terminal confirms the signature with the public key of the IC card in response to the exchange request from the IC card, and receives the signature. Means for transmitting the second electronic money information corresponding to the first electronic money information to the IC card, wherein the IC card receives and stores the second electronic money information from the terminal The electronic money system according to claim 3, further comprising: 10. The electronic money system according to claim 3, further comprising an issuing organization that generates the first electronic money information and the second electronic money information and supplies the information to the IC card. 11. The issuing institution generates the first electronic money information and supplies it to the IC card, and generates the second electronic money information and supplies the second electronic money information to the IC card. The electronic money system according to claim 10, further comprising: a second issuing organization that performs the operation. 12. The electronic money information is generated, and the IC
The electronic money system according to claim 4, further comprising: an issuing organization that supplies the card. 13. The terminal includes means for returning the payment information stored in the storage means to the issuing institution, wherein the issuing institution is adapted to identify money for identifying the first electronic money information. Means for causing a code to be included in the first electronic money information, wherein the issuing institution, with respect to the first electronic money information generated by itself, displays the electronic money identification code, the issued amount, and the amount already returned. Money information storage means for storing a return amount shown, and when the payment information returned from the terminal is the first electronic money information, the same money identification number stored in the money information storage means. Means for referring to the issue amount and the return amount to determine whether the returned amount is smaller than the difference between the issue amount and the return amount, the first electronic money information Electronic money system according to claim 10, characterized in that to check unauthorized. 14. The terminal includes return means for returning the payment information stored in the storage means to the issuing institution, wherein the issuing institution transmits a money identification code for specifying the electronic money information. The issuing institution includes means for causing the electronic money information to be included in the electronic money information, and the electronic money information generated by the issuing institution stores the electronic money identification code, the issued amount, and a return amount indicating the amount already returned. Information storage means, when the payment information is returned from the terminal, refer to the issue amount and return amount of the same money identification number stored in the money information storage means, and the returned amount is Means for judging whether or not the difference between the issue amount and the return amount is smaller than the difference amount, and checks for unauthorized use of the electronic money information. Electronic money system described in 2. 15. The terminal has a terminal identification number for specifying the terminal, and the return means of the terminal includes means for adding the terminal identification number of the terminal to the payment information and returning the payment information. The issuing institution determines whether or not the terminal identification number given to the payment information returned by the terminal return means matches a predetermined terminal number, and if so, includes the payment information in the payment information. 15. The electronic money system according to claim 14, further comprising means for recognizing the validity of the payment information irrespective of the verification result of the signature. 16. The IC card has a card identification code for identifying itself, and includes means for including the card identification code as transaction history in the first electronic money information held by the IC card. The electronic money system according to claim 3, wherein: 17. The IC card has a card identification code for identifying the IC card, and includes means for including the card identification code as transaction history in the electronic money information held by the IC card. The electronic money system according to claim 4, wherein 18. An electronic money system for performing a transaction using an IC card storing electronic money having a monetary value and a terminal processing the IC card, wherein the IC card has a plurality of different formats. Storage means for storing electronic money; and selecting means for selecting any electronic money from a plurality of different forms of electronic money stored in the storage means in response to a request from the terminal. An electronic money system characterized by the following. 19. The system according to claim 19, wherein said selecting means includes at least one of an external instruction, a grade set in said IC card, a type of terminal processing said IC card, a transaction amount, and a transaction time. The electronic money system according to claim 18, further comprising: means for selecting the electronic money to be used based on the electronic money. 20. The electronic money system according to claim 18, wherein said electronic money system further comprises means for paying said electronic money by a payment method corresponding to said electronic money selected by said selection means. system. 21. An electronic money system comprising: an IC card for storing electronic money having a monetary value; a transaction terminal for processing said IC card; and a center connected by communication with each of said terminals. The terminal, at the time of processing of the IC card, a grade set in the IC card, a type of the transaction terminal, a transaction amount, a transaction time, a communication state between the transaction terminal and the center, or An electronic money system comprising: a selection unit that selects one of an online processing via a center and an offline processing without a center based on at least one of a communication mode. . 22. The IC card stores first electronic money for on-line processing and second electronic money for off-line processing. Means for reading and processing the first electronic money from the IC card, and means for reading and processing the second electronic money from the IC card to be processed when offline processing is selected. The electronic money system according to claim 21, wherein: 23. An electronic money card used in an electronic money system for performing electronic money transactions having a monetary value, wherein the electronic money card is a first electronic money card to be used with a signature. First storage means for storing a second electronic money for use without giving a signature; and first electronic money as the electronic money used for payment. Selecting means for selecting one of the second electronic money and the second electronic money; and selecting the first electronic money by the selecting means.
A first transmitting unit that reads out the electronic money, adds a signature thereto, and transmits the electronic money to a payee; And a second transmitting means for reading out the second electronic money and transmitting the second electronic money to a payee. 24. An electronic money card used in an electronic money system for conducting electronic money transactions having a monetary value, the electronic money card comprising: storage means for storing electronic money; Selecting means for selecting either electronic money with a signature or electronic money without a signature as electronic money; and when the electronic money with a signature is selected by the selecting means, the amount of payment from the storage means. A first transmission unit that reads out the corresponding electronic money, attaches a signature, and transmits the electronic money to a payee; and when the selection unit selects electronic money to which no signature is applied, the electronic money corresponding to the payment amount is stored in the storage unit. And a second transmitting means for reading the electronic money and transmitting the electronic money to a payee. 25. The apparatus according to claim 23, wherein the selecting means includes means for selecting the electronic money to be used for payment according to one of an external request and a transaction amount. Or the electronic money card according to 24. 26. The electronic money card, wherein the grade of the electronic money card is set, and the selecting means selects the electronic money to be used for payment in accordance with the grade of the electronic money card. The electronic money card according to claim 23 or 24, comprising: 27. The said selection means, based on a transaction time,
The electronic money card according to claim 23 or 24, further comprising: means for selecting the electronic money to be used for payment. 28. An electronic money card used in an electronic money system for performing electronic money transactions having a monetary value, wherein the electronic money card includes a storage unit that stores the electronic money in a plurality of different formats. And selecting means for selecting an arbitrary one of the plurality of different types of electronic money stored in the storage means in response to a request from the outside. 29. The electronic apparatus according to claim 29, wherein the selecting means includes at least one of an external instruction, a grade set in the electronic money card, a type of a terminal processing the electronic money card, a transaction amount, and a transaction time. The electronic money card according to claim 28, further comprising: means for selecting the electronic money to be used for payment based on one of the electronic money cards. 30. The electronic money card according to claim 28, wherein said electronic money card further comprises means for paying said electronic money by a payment method corresponding to said electronic money selected by said selection means. card. 31. An electronic money system for conducting a transaction using an IC card storing electronic money having a monetary value, wherein the first electronic money with a signature is stored in the IC card. Storing the second electronic money without a signature on the IC card; and selecting one of the first electronic money and the second electronic money as the electronic money to be used for payment And a step of reading and using the electronic money selected by the selecting step from the IC card for the amount of the payment, and using the electronic money. 32. An electronic money system for conducting a transaction using an IC card storing electronic money having a monetary value, wherein: a step of giving a secret key of the IC card to the IC card; A step of storing electronic money; a step of selecting either electronic money information with a signature or electronic money without a signature as electronic money to be used for payment; and a signature added by the selection step. If the selected electronic money is selected, the electronic money corresponding to the payment amount is read out from the IC card, and a signature is given and used with the secret key of the IC card. When the electronic money is selected, the electronic money corresponding to the payment amount is read from the IC card, Comprising a step of using without giving the name, the electronic money transaction system, characterized in that. 33. The selecting step comprises: an external instruction, a grade set in each IC card, and an IC card.
33. The method according to claim 31, further comprising: selecting the electronic money to be used for payment based on at least one of a type of a terminal that processes a card, a transaction amount, and a transaction time. Electronic money transaction method described. 34. An electronic money transaction in an electronic money system comprising: an IC card for storing electronic money having a monetary value; a transaction terminal for processing said IC card; and a center connected by communication with each of said terminals. The method, wherein at the transaction terminal, when processing the IC card, an external instruction, a grade set in the IC card, a type of the transaction terminal, a transaction amount, a transaction time, A step of selecting one of an online processing via a center and an offline processing without a center based on at least one of a communication state and a communication mode between the transaction terminal and the center; An electronic money transaction method, comprising: 35. The selecting step comprises: when online processing is selected, reading out electronic money for online processing from the IC card to be processed and processing it; and when offline processing is selected, the I card to be processed is selected.
The electronic money transaction method according to claim 34, further comprising: reading electronic money for offline processing from the C card and processing the electronic money. 36. A computer for functioning as a transaction terminal in an electronic money system for conducting a transaction by using an IC card storing a plurality of different types of electronic money and a transaction terminal processing the IC card. A computer-readable recording medium on which a program is recorded, wherein the computer is provided with an external instruction, a grade set in the IC card, a type of the transaction terminal,
Means for selecting electronic money to be used from the plurality of different types of electronic money stored in the IC card to be processed, based on at least one of a transaction amount and a transaction time. Recording medium for recording a program for recording. 37. A computer as the transaction terminal in the electronic money system comprising an IC card for storing electronic money, a transaction terminal for processing the IC card, and a center connected to each transaction terminal by communication. A computer-readable recording medium having recorded thereon a program for causing the computer to operate, the computer comprising: an external instruction when processing the IC card;
Grade set in the IC card used, type of the transaction terminal, transaction amount, transaction time,
Means for selecting one of a processing form of online processing via a center and offline processing without a center based on at least one of a communication state between the transaction terminal and the center. A recording medium for recording a program for functioning. 38. A computer functioning as an electronic money card in an electronic money system for conducting a transaction using an electronic money card storing a plurality of different forms of electronic money and a transaction terminal processing the electronic money card. A computer-readable recording medium having recorded thereon a program for causing the computer to execute an external instruction, a grade set in the electronic money card, a type of the transaction terminal, a transaction amount, Means for selecting electronic money to be used from the plurality of different types of electronic money stored in the electronic money card, based on at least one of the transaction time and the electronic money card. recoding media.