JPH1131190A - Electronic money card, electronic money depositing and dispensing machine, and electronic money card editing device - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To use an electronic money card for each purpose of use. For an electronic money card that reads and writes electronic money into and from a storage memory built in an IC chip of an IC card, for each user of the electronic money, a storage area other than an area where the electronic money is stored is stored. Alternatively, an electronic money card capable of writing a constraint condition for reading electronic money for each purpose of use and reading the condition as needed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money card for handling money electronically, an electronic money depositing / dispensing machine for allowing an electronic money card to read and write electronic money, and a method for referencing information in the electronic money card. The present invention relates to an electronic money card editing device.

[0002]

2. Description of the Related Art Electronic money cards are IC card ICs.
The electronic cash is recorded in the storage memory built in the chip, and when the user stores the electronic money in this recording area or withdraws the electronic money from the storage area, the user has to store the electronic money peculiar to the IC card. The authentication number or the password number that the user has in the account of the financial institution is used as a condition for the withdrawal process.

[0003]

However, in the above-mentioned conventional electronic money card, the user is authenticated by one password, and if the user knows this password, the electronic money card can be used at one time. You can withdraw the entire amount of electronic money inside. In this way, when assuming a usage method in which the electronic money card is lent to another person or the electronic money card is shared, the user must use the electronic money within the range of the mutually agreed use limit. In addition, a management ledger such as a cash register is required to manage the history of used electronic money.

[0004] It is an object of the present invention to provide an electronic money system capable of storing a limit of use of electronic money and a personal identification number for each user or purpose of use, and recording a transaction history including items indicating the user and purpose of use. Card, an electronic money depositing and dispensing machine capable of depositing and withdrawing electronic money to and from the electronic money card, reference to transaction history recorded on the electronic money card and an identifier for each purpose of use, electronic money usage limit, Another object of the present invention is to provide an electronic money card editing device capable of changing a personal identification number.

[0005]

In order to solve the above-mentioned object, an area for storing restriction conditions for withdrawing electronic money is provided in a storage section of the electronic money card, and the electronic money stored in the electronic money card is provided. The electronic money card is provided with logic to read and write based on this constraint condition when reading and writing.

When a user performs a deposit / withdrawal process from an electronic money card in accordance with guidance on a screen output to a display unit, an electronic money depositing / dispensing machine which deposits / withdraws based on a constraint condition set in the electronic money card. I will provide a.

In addition, an electronic money card editing apparatus that allows a user to refer to history information inside the electronic money card in accordance with guidance on a screen output to a display unit, and to change a password, a purpose of use, and a usage limit. I will provide a.

[0008]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows an electronic money card for storing and storing electronic money, an electronic money depositing / dispensing machine for depositing / dispensing electronic money with the electronic money card, and an electronic money editing apparatus for editing conditions and the like of the electronic money card. 1 is an example of the construction of an electronic money system using.

[0010] When the user 107 uses the electronic money card 106 to pay for the service received at the store 102 (the store has a plurality of stores such as stores A and B), the electronic money card 106 is installed in the store 102. The electronic money card 106 is attached to the electronic money depositing / dispensing machine 108, and the electronic money stored therein is read. The electronic money depositing / dispensing machine 108 writes the read electronic money into another electronic money card (not shown) on the side of the store previously mounted on the electronic money depositing / dispensing machine 108, thereby allowing the user 107 and the store 102 Is established.

When the store 102 deposits the electronic money stored in the electronic money card at the store into the account of the store 102 opened at the financial institution 101, the electronic money depositing / dispensing machine 108 operates at the store. The electronic money stored in the money card is read and transmitted to the electronic money management server 104 installed in the financial institution 101. The electronic money management server 104 requests the accounting system 105 installed in the financial institution 101 to deposit an amount corresponding to the received electronic money into the account of the store 102, and the accounting system 105 deposits the account. Is completed, the electronic money deposit process is completed.

FIG. 2 is a configuration diagram of the electronic money card 106 of FIG. When the electronic money card 106 is inserted into the electronic money depositing / dispensing machine 108 or the electronic money card editing device 109 (hereinafter, referred to as a control device), an electric signal is supplied via the interface control unit 201 and activated. . In the activated state, an OS (Operating System) 206 and an electronic money program 207 stored in the ROM 203 are loaded into the RAM 204, and the CPU 202 operates according to a command from the control device input via the interface control unit 201.
04, the data in the nonvolatile memory 205 can be read and written. For example, when a command to withdraw the electronic money 208 or to store the electronic money 208 is input from the interface control unit 201, the CPU 20
2 rewrites the electronic data of the electronic money 208 recorded in the nonvolatile memory 205 according to the logic described in the electronic money program 207.

The nonvolatile memory 205 stores a personal ID 211 for each user and use purpose identification codes 215 and 21 indicating the purpose of using the electronic money card 106.
9 and personal identification numbers 212, 216, and 22 according to the purpose of use.
0 and usage limit 21 indicating the upper limit for withdrawing electronic money
3, 217, and 221 and a storage area (hereinafter, referred to as a payment condition 209) in which the total amount of payments 214, 218, and 222 representing the amount of electronic money read out can be recorded. Also, the electronic money program 207 has a logic that uses the payment condition 209 as a permission condition for read processing before the electronic money is read and a logic that uses the master PIN 228 as a data rewrite permission condition when rewriting the payment condition 209. , It is possible to execute processing such as withdrawal and editing of electronic money according to the purpose of use.

The non-volatile memory 205 also includes a personal ID 223 of the user, a transaction date 224 indicating the date on which the electronic money was read and written, and a transaction classification for distinguishing between reading and writing of the electronic money. 225, a transaction amount 226 indicating the amount of reading and writing of electronic money, and a storage area 210 (hereinafter referred to as a transaction history 210) in which a use purpose category 227 indicating a use purpose can be recorded. After the electronic money program 207 reads or writes the electronic money, the area of the transaction history 210 has a logic for recording the history data, so that the history and the like of the electronic money can be stored and processed. .

As described above, in the electronic money card of the present invention, the condition of the usage limit is determined depending on the purpose of use, and even if the electronic money 208 has a balance, the electronic money 208 exceeding the usage limit is used. It is configured such that payment processing such as purchase of a product cannot be performed. Therefore, even if the password for a certain purpose is known to a third party, the password for another purpose is not known, so that fraud can be prevented by using a minimum amount of electronic money.

FIG. 3 shows the electronic money depositing / dispensing machine 108 shown in FIG.
FIG.

The processing for depositing and withdrawing electronic money is performed by using the electronic money card 106 owned by the user 107 and the store 1
02 is achieved by transferring electronic money to an electronic money card possessed by the electronic money card 02 or vice versa. First, a business application 3 for controlling electronic money deposit / withdrawal transactions
08 instructs the user 107 to attach the electronic money card 106 possessed by the user to the electronic money card read / write unit 301 of the user, and instructs the store 102 to use the electronic money card possessed by the store. To the electronic money card reading / writing unit 302 on the store side is output to the display unit 305. After the user 107 and the store side 102 complete the installation of the electronic money card, the business application 308
An amount corresponding to the service received by the user 107 at the store, a password for authenticating that the user 107 is a valid user of the electronic money card 106, and a user 10
7 is output to the display unit 305, and an instruction to input a data group including a personal ID identifying the user 7 and an identification code indicating the purpose of using the electronic money is output to the display unit 305.
Receives those data groups from. Next, the business application 308 instructs the electronic money program 309 to transfer electronic money corresponding to the amount received from the input unit 304 from the electronic money card 106 on the user side to the electronic money card on the store side, and the input unit 304 Give the data group received from. Electronic money program 309
Transfers the electronic money from the electronic money card 106 on the user side to the electronic money card on the store side according to the instruction received from the business application 308. The data group at this time is passed to the electronic money program 207 stored in the electronic money card 106 on the user side, and the data group shown in FIG.
This is used as a permission condition for the process of withdrawing electronic money described in the above, specifically, a condition set by the use purpose identification code 215, the personal identification number 216, and the like.

In the process in which the store 102 deposits the electronic money stored in the store-side electronic money card into the account of the store 102 established in the financial institution 101, the business application 308 transfers the electronic money from the store-side electronic money card. Give the withdrawal instruction to the electronic money program 309,
The electronic money program 309 is implemented by transferring the extracted electronic money from the communication control unit 303 to the electronic money management server 104.

FIG. 4 shows an example of a flow chart of an electronic money payment transaction provided by the business application 308 of the electronic money depositing / dispensing machine 108, which is controlled by the CPU 306.

First, the user 107 inputs a personal ID for identifying the user 107 and the purpose of using electronic money from the input unit 304 (step 401), and the business application 3
08 checks the validity of the input data (step 402). This check processing is performed by the electronic money program 309 of the electronic money depositing / dispensing machine 108 giving a check instruction of the input data to the electronic money program 207 of the electronic money card 106. On the other hand, the electronic money program 2 of the electronic money card 106
07 inputs the given input data to the nonvolatile memory 20.
5 in the payment condition 209 recorded in the personal ID 21
1. The validity of the data is determined by comparing with the identification codes 215 and 219 for each purpose of use.

Next, it is determined whether or not the user has input an intended use to the input unit 304 of the electronic money depositing / dispensing machine 108 (step 403). Is input (step 404), and if there is no input, input of a password for normal use is instructed (step 405). Then, in accordance with the input of a password determined for each purpose of use, the validity of the password is checked (step 406). This validity check is performed by the electronic money program 207 of the electronic money card 106 by the personal identification numbers 212, 216, 220 in the payment condition 209.
Perform by comparing with.

If the password is normal, the withdrawal amount of the electronic money 208 of the electronic money card 106 is acquired within the limit conditions 217 and 221 corresponding to the input purpose of use (step 407). . Then, the accumulated amount of electronic money 214, 21
8, 222, the withdrawal amount is added (step 4
08), the added value is compared with the balance of the electronic money of the electronic money card and the usage limits 213, 217, 221 (step 409). If the added value is less than the balance and the usage limit 213, 217, 221, the payment of the electronic money is permitted, the withdrawal of the electronic money is performed, and finally, as the transaction processing history, the electronic money card 106 ID 223, date 224 when the transaction was made, transaction category 22 for distinguishing between deposit and withdrawal.
5. The payment transaction is completed by writing the transaction amount 226 and the purpose class 227 representing the identification code for each purpose of use (step 410).

In step 409, the withdrawal amount to be added (also referred to as the payment amount, which is added to the total amount of payment in FIG. 2), the balance of the electronic money 208 of the electronic money card 106 and the usage limit of the payment condition 209 213,
217 and 221 will be described. The usage limit is the limit of electronic money set according to the purpose of use as described above. For example, when a user withdraws electronic money multiple times, the withdrawal amount is added, but the usage limit is It is necessary to deposit and withdraw electronic money within the range of. Therefore, not only is the withdrawal amount withdrawn by the user compared with the usage limit amount, but also the total amount of the withdrawal amount and the added amount and the condition of the usage limit amount are compared. On the other hand, since it is conceivable that the balance of the electronic money 208 itself is insufficient, the amount added to make a transaction within the range of the balance of the electronic money is compared with the balance of the electronic money. From such a comparison result, it is determined whether the electronic money can be withdrawn from the electronic money card or the electronic money should be stopped.

The steps described with reference to FIG. 4 need not be performed in the order described above. For example, after confirming the balance of the electronic money card (step 409), the purpose of use is processed (steps 401 to 403). Even so, the object of the present invention can be achieved. This is the same for FIG. 6 described later.

FIG. 5 is a block diagram of the electronic money card editing device 109 of FIG.

The business application 506 of the electronic money editing device 109 includes a service for referring to the transaction history 210 recorded on the electronic money card 106 and a password 212 and 216 for each purpose of use recorded on the electronic money card 106. , 220 and use purpose identification code 21
5, 219 and the service limit 213, 217, 221 and the total amount of payment 214, 21 for each user and purpose of use recorded on the electronic money card 106.
This is a program for providing a service for rewriting 8, 222 to zero. The electronic money program 507 reads and writes the payment conditions 209 recorded on the electronic money card 106 and reads the transaction history 210 among the services described above. User 1
In step 07, the electronic money card 106 is attached to the electronic money card read / write unit 501, and data necessary for each service is input from the input unit 502 in accordance with an instruction output to the display unit 503.

FIG. 6 shows an electronic money card editing device 109.
Is a flowchart showing the flow of services provided by the business application 506. In the processing described below, the CPU 504 mainly controls.

First, the electronic money card editing device 109
The business application 506 displays on the display unit 503 to instruct the user 107 to select a service (step 601).

When a service referring to the transaction history is selected from the input unit 502, a process of reading the transaction history is performed (step 608). In order to read the transaction history, the electronic money program 507 gives an instruction to the electronic money program 207 stored in the electronic money card 109 to read the transaction history 210 recorded in the nonvolatile memory 205, and receives this instruction. The electronic money program 207 of the electronic money card 106 stores the transaction history 21
This is achieved by reading the data table of "0" and passing it to the business application 506 via the electronic money program 507. Then, the data table of the transaction history 210 is output to the display unit 503 (step 60).
9).

On the other hand, when the service for rewriting the personal identification number, the purpose of use, and the limit of use is selected from the input unit 502, the personal ID and the purpose of use are input (step 60).
2). This input data is passed to the electronic money program 207 of the electronic money card 106 and is used to specify an item to be rewritten from the data table of the payment condition 209. When data matching this input data is detected (step 603), the master password of the administrator of the electronic money card 106 (one of the users 107 has the authority to rewrite the payment conditions 209) is provided. An input is instructed to the user 107 (step 604). This process is performed on the electronic money card 1
In the case of lending or sharing 06, there is an effect that the current owner cannot change the payment condition 209 set by another person. The entered password is compared with the master password 228 of the electronic money card 106 (step 605). If the two passwords match, the user 107 is permitted to input new data (updated data). (Step 606) The input data is transferred to the electronic money program 207, and the data is rewritten (Step 607). If the passwords do not match in step 605, the data (various conditions) in the electronic money card 106 cannot be changed.

On the other hand, when the user selects the service for rewriting the accumulated payment amount to zero, the above-mentioned password,
In the same manner as the processing described in the service for rewriting the purpose of use and the amount of use limit, the purpose of use and the input of the personal identification number are performed (steps 610, 611, 612, 613). Then, when rewriting of the payment condition 209 recorded in the nonvolatile memory 205 of the electronic money card 106 is permitted, the accumulated payment amounts 214, 218, 222 are initialized to zero (step 614). Rewriting the total amount of payment in the electronic money card to zero means that it is added to the total amount of payment each time electronic money is used, and if the usage limit is exceeded, even a legitimate user will use the electronic money card This is because it will not be possible.

More specifically, when a single card is used by a plurality of persons, for example, a father, mother,
When used by family members such as brothers and sisters, or by department managers, section managers, employees, etc., each identification code sets a condition such as a password for the purpose of use of the payment conditions 209 described in FIG. , Flexible card usage, and
It is also possible to set conditions according to the purpose of use such as book purchase, food cost, clothing purchase, etc. as the purpose of use.

The processing of the electronic money card, the electronic money depositing / dispensing machine, and the electronic money card editing apparatus described above (particularly, the processing described with reference to FIGS. 4 and 6) are performed by the electronic money depositing / dispensing apparatus and the electronic money card editing apparatus. C provided for
Although an example in which control is mainly performed by the PU has been described, it goes without saying that each processing can be controlled even by a CPU provided on the electronic money card side. Each CPU is also called a control unit.

[0034]

According to the present invention, it is possible for a plurality of users to record the limit of use of the electronic money and the personal identification number on one electronic money card for each purpose of use. , The use of electronic money equal to or more than the usage limit can be suppressed until the accumulated payment is initialized. According to the present invention, since one electronic money card can be shared by a plurality of users, an effect of promoting intentional use of electronic money in an organization such as a family or a corporation can be expected.

Further, since the electronic money stored in the electronic money card is divided and managed by a plurality of usage limits and passwords, even if a specific password is illegally leaked to a third party. This has the effect of increasing security in that all electronic money is not withdrawn at one time.

[Brief description of the drawings]

FIG. 1 is a configuration example of an electronic money system using an electronic money card, an electronic money depositing / dispensing machine, and an electronic money editing device.

FIG. 2 is a configuration example of an electronic money card for storing electronic money.

FIG. 3 is a configuration example of an electronic money depositing / dispensing machine that is installed in a store and processes depositing / dispensing for an electronic money card.

FIG. 4 is an example of a flowchart of an electronic money payment transaction provided by a business application of the electronic money depositing / dispensing machine.

FIG. 5 is an example of a configuration of an electronic electronic money card editing apparatus that can be referred to a transaction history held by a user and recorded on the electronic money card and rewrite payment conditions.

FIG. 6 is an example of a flowchart of a process provided by a business application of the electronic money card editing device.

[Explanation of symbols]

101 ... financial institution, 102 ... store, 103 ...
Home, company, etc. 104 Electronic money management server, 1
05 ... accounting system, 106 ... electronic money card, 107 ... user, 108 ... electronic money deposit and withdrawal machine, 201 ... interface control unit, 202 ...
CPU, 203: ROM, 204: RAM, 20
5 Non-volatile memory, 206 OS, 207
Electronic money program, 208 ... electronic money, 20
9 ... payment terms, 210 ... transaction history, 211 ...
Personal ID, 212: Normally used password, 213:
Normal use limit, 214 ・ ・ ・ Normal use payment limit, 215 ・ ・ ・ Use purpose 1 identification code, 216 ・ ・ ・ Use purpose 1 PIN code, 217 ・ ・ ・ Use purpose 1 use limit, 218 ・ ・・ Usage purpose 1 accumulated amount of payment, 219 ・ ・ ・ Usage purpose 2 identification code, 220 ・ ・ ・ Usage purpose 2 PIN code,
221… Usage purpose 2 usage limit, 222… Usage purpose 2 payment total, 223… Personal ID, 224… Transaction date 225… Transaction category 226… Transaction Amount 227: Usage purpose category 228: Master password, 301: Electronic money card reading / writing unit (user side), 302: Electronic money card reading / writing unit (store side), 303 ... Communication control unit, 304 ... Input unit, 3
05 display unit, 306 CPU, 307 storage device, 308 business application, 309
· Electronic money program, 501 ··· Electronic money card read / write unit, 502 ··· Input unit, 503 ··· Display unit, 5
04 CPU, 505 storage device, 506 business application, 507 electronic money program

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁶ Identification code FIG06F 15/30 330

Claims (19)

[Claims] An electronic money card for trading electronic money, comprising: a control unit and a storage unit, wherein the storage unit stores data of the electronic money and is used when the electronic money card is used. The control unit stores a plurality of identification data for identifying a purpose of use and usage limit data set in correspondence with each of the identification data and for limiting a usage amount. When the identification data received from the outside of the electronic money card is compared with the identification data stored in the storage unit, and when the comparison result matches, the identification data is restricted corresponding to the matched identification data. An electronic money card, wherein withdrawal of electronic money is permitted within a range of the usage limit of electronic money. 2. The electronic money card according to claim 1, wherein the storage unit stores a personal identification number set corresponding to the identification data, and wherein the control unit receives the password from outside the electronic money card. An electronic money card, wherein when the personal identification number matches the personal identification number stored in the storage unit, dispensing with electronic money is permitted. 3. The electronic money card according to claim 1, wherein the storage unit stores total data for adding a total of the electronic money each time the electronic money is dispensed by the control unit. Electronic money card. 4. The electronic money card according to claim 1, wherein the storage unit stores transaction history data for storing a history of transactions when the control unit transacts electronic money. Money card. 5. The electronic money card according to claim 1, wherein the control unit updates the identification data when receiving an instruction to change the identification data stored in the storage unit. Electronic money card. 6. The electronic money card according to claim 5, wherein the storage unit stores a master password which permits change of the contents of the storage unit, and wherein the control unit stores the input password and the master password. An electronic money card for updating the identification data when the password matches the password. 7. An electronic money transaction device for performing electronic money transactions with an electronic money card storing electronic money, comprising: a CPU, an input unit, and a display unit, wherein the CPU When there is a request for a transaction with the electronic money card, a display is made on the display unit to allow the user to input the purpose of use of the electronic money card, and the electronic money card is used in accordance with the purpose of use input from the input unit. An electronic money transaction device for conducting electronic money transactions. 8. The electronic money transaction device according to claim 7, wherein the CPU displays on the display unit a password to be set according to the purpose of use, and the password input from the input unit. An electronic money transaction device, wherein a transaction with the electronic money card is permitted when a number matches a password set in the electronic money card. 9. The electronic money transaction device according to claim 7, wherein the CPU determines that the electronic money withdrawal amount input from the input unit is larger than the electronic money balance amount of the electronic money card. An electronic money transaction device for canceling a transaction with a money card. 10. The electronic money transaction device according to claim 7, wherein the CPU determines that the withdrawal amount of the electronic money input from the input unit is larger than a usage limit amount set in the electronic money card. An electronic money transaction device for canceling a transaction with an electronic money card. 11. The electronic money transaction device according to claim 7, wherein the CPU adds the amount of the transaction to the electronic money card as a total amount every time the CPU exchanges the electronic money with the electronic money card. An electronic money transaction device characterized by the above-mentioned. 12. The electronic money transaction apparatus according to claim 11, wherein the CPU determines that the total amount of the withdrawal amount of the electronic money input from the input unit and the total amount of the electronic money card is the electronic money card. An electronic money transaction device, wherein if the electronic money balance of the card is larger than the withdrawal amount, the withdrawal from the electronic money card is stopped. 13. The electronic money transaction apparatus according to claim 11, wherein the CPU determines that the total amount of the withdrawal amount of the electronic money input from the input unit and the total amount of the electronic money card is the electronic money amount. An electronic money transaction device, wherein the withdrawal from the electronic money card is stopped when the amount is larger than the usage limit set on the card. 14. An electronic money card editing device for editing an electronic money card, wherein a display unit for displaying various services is selected, and the service is selected and input according to the display contents displayed on the display unit. An input unit for detecting that the electronic money card is read, and a read / write unit for reading and writing data of the electronic money card, and a CPU, wherein a service for editing in the electronic money card is selectively input from the input unit. And when the service is a service for changing the purpose of use of the electronic money card, updating the data indicating the purpose of use stored in the electronic money card via the read / write unit. Card editing device. 15. The electronic money card editing device according to claim 14, wherein the CPU, when the service is a service for changing a usage limit of the electronic money card, sends the electronic money card to the electronic money card via the read / write unit. An electronic money card editing device, which updates a set usage limit. 16. The electronic money card editing apparatus according to claim 14, wherein the CPU displays on the display unit to select various services, and issues an instruction to edit the electronic money card from the input unit. If received, the display unit displays a password that permits editing in the electronic money card, and compares the password from the input unit with the master password obtained via the read / write unit. An electronic money card editing device, wherein when the two match, the editing of the electronic money card is permitted. 17. The electronic money card editing device according to claim 14, wherein, when the service is a service that refers to a transaction history of the electronic money card, the CPU stores the electronic money card in the electronic money card via the read / write unit. Read transaction history,
An electronic money card editing device, wherein the content of the transaction history is displayed on the display unit. 18. The electronic money card editing device according to claim 14, wherein the CPU is configured to execute the processing via the read / write unit when the service is a service for initializing a total amount of money accumulated in the electronic money card. An electronic money card editing device for performing a process of rewriting a total amount stored in an electronic money card to zero. 19. An electronic money transaction method for trading with an electronic money card, wherein a plurality of identifications for storing electronic money data in the electronic money card and identifying a purpose of use of the electronic money card are provided. Data and usage limit data for limiting the amount of money when using electronic money corresponding to each of the identification data, and identification data received from outside the electronic money card when a withdrawal request is made. Is compared with the stored identification data, and when the comparison results match, withdrawal of the electronic money within the range of the use limit amount of the electronic money limited corresponding to the matched identification data. Electronic money transaction method characterized by permitting: