WO1998015929A1

WO1998015929A1 - Ic card reading and writing machine

Info

Publication number: WO1998015929A1
Application number: PCT/JP1996/002936
Authority: WO
Inventors: Jun Furuya; Kenji Matsumoto; Kazuhiro Kawashima; Masaru Ohki; Atsushi Ito; Haruko Nagaoka
Original assignee: Hitachi, Ltd.
Priority date: 1996-10-09
Filing date: 1996-10-09
Publication date: 1998-04-16
Also published as: JP3866773B2; AU7227396A

Abstract

An IC card reading and writing machine comprising a main body (101) having an insertion slot (112) into which an IC card is inserted and an input section (114) for inputting an amount of money and a docking station (28) separated from the main body (101) and adapted, when the main body is set thereon, to transfer an electronic currency through a communication line, wherein the main body can be carried for use when the main body (101) and the docking station (28) are separated from each other, while when the main body (101) is set on the docking station, an electronic currency can be transferred to/from another electronic currency holding means through the communication line; and an operation method of the machine.

Description

Specification

Ic card reader / writer Technical field

The present invention relates to a reader / writer for an electronic currency used in an electronic currency system and an operation method thereof, and more particularly to a portable reader / writer and an operation method thereof. '' Background technology

In recent years, there has been proposed an electronic currency system for exchanging electronic currencies through communication between IC cards containing electronic currencies. The IC card used in this system includes a microprocessor having a communication function therein, and a memory such as an EEPROM for storing the processing program and the balance of the electronic currency. The IC card is provided via an electronic currency system configured to be able to arbitrarily connect terminals provided in banks, shops, private residences, and the like via a communication line. By using a digital wallet, it is possible to transfer electronic currency to and from other IC cards. Previously proposed IC read / write terminals connected to communication lines were provided in banks, shops, private homes, etc., and were not easy to carry. For this reason, it has been difficult to use it in various places inside the store or to use it while carrying it outside the store or by transportation. In addition, the above-mentioned e-wallet is portable and enables the exchange of e-currencies between IC handsets. Because it was not connected to a credit line, it was impossible to exchange electronic currency with remote IC cards.

An object of the present invention is to provide a P0S terminal for electronic currency that is portable and can communicate via a public network in the above-mentioned electronic currency system, and an operation method thereof. Disclosure of the invention

The present invention relates to an IC card reader / writer for an electronic currency for transferring an electronic currency held in the IC card, and inputs an entrance into which the IC card is entered and an amount. And a station that is separated from the main body and that allows the electronic currency to be transferred via a communication line by setting the main body. As a result, if the main unit is separated from the station, it can be carried and used, and if the main unit is set on the station, an IC card located at a remote location via a communication line can be used. Electronic currency can be exchanged with other electronic currency holding means.

The present invention also provides an IC card reader / writer for an electronic currency for transferring an electronic currency held in the IC force, wherein an input port and an amount for the IC force are input. An IC card reading / writing unit, which has an insertion slot into which an IC card is inserted, can communicate with the main unit, and is separated from the main unit, and a main unit. It is provided with a station that can move the electronic currency through a communication line by setting the main unit. This allows the IC force read / write unit to be separated from the main unit. The e-currency payment is easy to let the customer operate, for example Become. By letting the customer operate it by himself, the customer's anxiety about using electronic currency can be reduced and the reliability can be increased.

Further, the present invention provides an IC currency reader / writer for electronic currency for transferring electronic currency held in an IC currency, wherein an insertion slot into which the IC currency is inserted and It has a button for inputting the amount of money, it can be used separately from the station connected to the communication line, and when set on the station, it is connected via the communication line. Electronic currency can be transferred. As a result, when exchanging electronic currencies between IC hands without using a communication line, this unit can be carried and used, and only when exchanging electronic currencies via a communication line is a station. Just set it to

The present invention also relates to an operation method of an IC currency read / write device for electronic currency for moving an electronic currency held in an Ic currency, wherein the IC currency read / write z write is performed. A step in which the amount is input from the main unit of the machine; a step in which the amount is displayed in the IC writing head which is communicable with the main unit and is separated from the main unit; and a step in which the amount is displayed in the Z writing unit. Read / write IC power

— Inserting a code. This makes it easy for customers to confirm and operate the IC force read / write unit, which is separated from the main unit, for example, by paying electronic currency. Since the customer can check the amount of money and have them purchase IC skills, they can reduce the customer's anxiety about using electronic currency and increase their reliability. The present invention also relates to a method of operating an electronic currency IC reader / writer for moving an electronic currency held in an Ic card. Department is separated from the book By setting the body, the main unit is set to a station where electronic currency can be transferred via a communication line, and from the IC card inserted in the main unit to the station. Displaying the amount to be remitted to another electronic currency holding means for moving the electronic currency via the inserted IC card or communication line. As a result, if you want to transfer electronic currency via a communication line, you can set the main unit to the station and check the remittance amount. Can be prevented. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram showing a configuration of an electronic currency system to which an IC card reader / writer according to the present invention is applied, and FIGS. 2 to 4 are portable money transfer terminals according to an embodiment of the present invention. FIG. 5 is a cross-sectional view showing a portable management transfer terminal according to an embodiment of the present invention set on a docking station, and FIG. 6 is a sectional view showing the present invention. FIG. 7 is a diagram showing a display unit and an input unit of a portable money transfer terminal according to an embodiment. FIGS. 7 to 8 show a use form of a portable money transfer terminal according to an embodiment of the present invention in a store. Figures 9 to 11 are block diagrams showing the functional configuration of the portable money transfer terminal and the docking station. Figures 12 to 14 are one embodiment of the present invention. By portable A flow chart for exchanging electronic currencies between IC hands using a transfer terminal. FIG. 15 shows a lock of the IC hands according to an embodiment of the present invention. This is a flowchart when canceling. FIG. 16 shows a portable money account according to an embodiment of the present invention. Diagram showing the use of a transfer terminal in a taxi car Fig. 17 is a block diagram showing the functional configuration of a portable transfer terminal, a customer IC driver, a dano writer, and a taxi menu. FIG. 18 is a flowchart showing a case in which electronic money is exchanged with an IC card using a portable money transfer terminal according to an embodiment of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, an embodiment of an IC card reader / writer in an electronic currency system according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an electronic currency system to which an IC force reader / writer according to the present invention is applied. The configuration of the electronic currency system will be described with reference to FIG.

In Fig. 1, 1 is a bank office system, 2 is a distribution system, 3 is an end-user system, 5 is a bank computer center, 6 is an electronic currency issuing organization, 7 is a public communication network, 10 is a 10 card, 1 1 is an external IC card reader / writer, 1 2 is a counter terminal, 13 is an internal communication line, 14 is an automatic teller machine, 15 is an electronic safe, 16 is an electronic currency transaction control terminal, 17 is a relay computer, 2 _; .1 is a POS terminal for electronic currency, 22 is a POS terminal, 23 is a store controller, 24 is a center device, 25 is an information control system, 26 is Work station, 27 is a portable money transfer terminal (sometimes called a handy-manetra), 28 is a docking station, 31 is an electronic wallet, 32 is a personal computer, and 33 is a PC car. Do-type power reader / writer, 3 4 is IC power phone , 5 1 accounting system host, 52 is an external system and 53 is an external control terminal.

The electronic currency system shown in Fig. 1 has a public telecommunications network 7, a bank business system 1, a distribution system 2 provided in stores such as retail stores, restaurants, and service providers, and an end-user system. It is configured by connecting a personal computer 32, an IC card telephone 34, and the like. In the illustrated example, one typical system is shown for each system. However, many systems can be connected to the public communication network 7. It is connected to a computer center 5, and an electronic currency issuing organization 6 is connected to the bank computer center 5.

The IC card 10 includes a microprocessor having a communication function therein, and a memory such as an EEPR0M for storing a processing program and a balance of electronic currency, and is owned by an individual who is an end user. And owned by banks and stores participating in the electronic currency system.

In the bank office system 1, a teller terminal 12 and an automatic teller machine 14 are connected via an internal communication line 13, and further connected to a bank computer center 5 via a relay computer. However, for the purpose of e-currency settlement, the contact terminal 12 is equipped with an IC reader / writer 11 and the automatic teller machine 14 is equipped with an IC reader. —It has a built-in DA-Z writer, and is connected to an electronic safe 15 via an electronic currency transaction control terminal.

The bank computer center 5 is composed of an accounting system host 51 and an external system 52. The external system 52 includes an external control terminal 53, a relay computer 17, and an electronic safe 1. 5 is provided Has been established.

The distribution system 2 is usually configured such that a P0S terminal is connected to a center device 24 via an internal communication line 13 and a storage controller 13. The P0S terminal is provided with an external IC card reader Z writer 11 or an electronic currency P0S terminal 21. The center device 24 includes an information control system 25, a workstation 26, and an electronic safe 15.

The end user system 3 is mainly a personal user system, and simply requires an electronic wallet capable of displaying the balance of the electronic currency in the IC force. It is possible to add a function such as a calculator to the electronic wallet 31. Also, the personal computer 32 is provided with a PC type power reader Z writer 33 for electronic currency approval for personal possessions, and is configured to be connectable to the public communication network 7. It is also possible to use an IC portable telephone 34 provided with a processing function for an IC card 10 for storing electronic currency in a normal telephone.

In the end user system 3 described above. The SOKON 3 2 IC power-phone system 34 has an electronic currency exchange between two IC cards by installing two sets of force reader / writer for two IC cards inside. Can interact. As a result, for example, it is possible to perform the same processing as when handling ordinary cash, such as transferring the electronic currency in the master's IC card to the wife's IC card. Next, a method of using the electronic currency system to which the present invention configured as described above is applied will be described.

Banks, shops, vending machines, individuals, etc. participating in the system The IC card 10 is distributed from the currency issuing organization 6, and the bank receives the electronic currency in exchange for cash that is normally circulated, and the electronic currency 15 is provided in the electronic safe 15 provided in the external connection system 52. Store. As will be described later, the electronic safe 15 has a large number of IC cards 10 stored therein.Each currency 10 is provided with an electronic currency received from an electronic currency issuing organization. Is stored. The electronic currency stored in the electronic card in the electronic cashier 15 of the external connection system 5 2 is the electronic card in the bank safe 1 of the bank office system 1 installed in each bank office. Distributed to 0.

An individual as an end user participating in the electronic currency system possesses the distributed IC card 10 and sends it to the bank via the teller terminal 12 of the bank business system 1 and the automatic teller machine 14. Exchanges the deposit in his account for electronic currency and withdraws it, and stores it in his IC card 10. Also, a personal computer 32 or an IC card telephone 34 having a PC type reader / writer 33 owned by the user is connected to the bank office system 1 via the public communication network 7, and In the same way as in the case above, the deposit of the bank's own account can be exchanged for electronic currency, withdrawn, and stored in its own IC card 10.

At the time of withdrawal of electronic currency as described above, I and C hands possessed by the individual can be transferred to the counter terminal 12, automatic teller machine 14, and Nog Sukon 3 2 by the communication function of the own hand. Or, it is connected to the IC card in the electronic safe 15 in the bank office system 1 via the reader Z writer of the IC portable telephone 34. Then, under the control of the electronic currency transaction control terminal 16, the electronic currency stored in the IC card 10 in the electronic safe 15 in the bank office system 1 holds the IC owned by the individual. It is stored in the card 10. At this time, the balance of the electronic currency stored in the IC card 10 in the electronic safe 15 in the bank office system 1 is reduced by the amount stored in the IC card 10 owned by the individual. C The withdrawal from an individual's account is performed in the same way as in the past.

In the above, it was explained that the deposit of the individual's bank account was withdrawn and stored in the IC force held by the individual, but the cash was taken to the window of the bank or the window of the electronic currency issuing organization, Therefore, they can be stored in an IC card.

Conversely, the electronic currencies in the IC card can be exchanged with the electronic cash box 15 in the bank office system 1 via the counter terminal 12, automatic teller machine 14, and personal computer 32. You can return it to your IC card inside and deposit it in your account at the same time.

As described above, the user who has stored the electronic currency in his or her own IC card 10 can shop for goods at various stores using the IC card in the same manner as cash. Various services are available.

Now, it is assumed that a user who has stored electronic currency in his or her own IC card 10 has performed shopping at a store and brought in the POS terminal's counter. The operator inputs the selling price of the product from the P0S terminal 21 or 22 by reading the barcode, etc., as in the case of the normal transaction, calculates the total, and sends it to the customer. Claim.

If the customer pays with an IC card containing electronic currency instead of cash, the customer will pay the IC card for the electronic currency P 0 S terminal 2 1 Insert the power inlet of the IC or the IC power reader connected to the normal P-S terminal 22. As a result, the customer's IC card and one of the IC cards in the electronic safe 15 installed in the center device 24 of the store are connected via the internal communication line 13 and the workstation 26. The electronic currency in the customer's IC card is transferred to one of the IC cards in the electronic safe 15 installed in the center unit 24, and the receipt is output from the P0S terminal. Then, the processing of payment by shopping ends. In this case, the electronic currency in the customer's IC force is reduced by the amount used for the purchase and added to the store's IC force electronic currency.

In the above, a distribution system with a large number of P-S terminals and an electronic safe in which a large number of ICs are stored in the center unit 24 has been described as paying for the products. In the case of a system that has only one deposit machine, the deposit machine is provided with an IC card reader / writer for the customer's IC card, and the IC card owned by the store is installed inside the deposit machine. By providing the card, payment can be made in electronic currency between the IC card possessed by the store and the customer's IC card connected via the IC card reader Z-line. Then, the electronic currency in the IC force held by the store can be deposited into a bank account as described above, or can be cashed at a bank counter.

Furthermore, in the above-mentioned distribution system having P0s terminals, as a system construction method, each P0S terminal is provided with an IC card, and money exchange with a customer's IC card is performed once. Between the IC card in the P0S terminal and the customer's IC card. 0 The S terminal can be transferred to the IC card in the electronic safe 15 of the center device 24.

Next, an embodiment of the portable monetary transfer terminal of the present invention used in the electronic currency system as described above will be described with reference to the drawings. FIG. 2 is a perspective view showing the appearance of a portable money transfer terminal according to an embodiment of the present invention. In FIG. 2, 101 is the main unit, 102 is the display unit, 103 is the product Z menu key, 104 is the key and function keys, 105 is the printer, and 106 is the printer. Receipt, 107 is cable, 108 is IC driver / writer, 109 is confirm button, 110 is chip button, and 111 is customer IC force Entrance, 1 1 and 2 are entrances for sales staff IC.

FIG. 3 is a perspective view showing the appearance of a portable money transfer terminal according to another embodiment of the present invention.

FIG. 4 is a perspective view showing a state in which a portable management transfer terminal according to an embodiment of the present invention is set on a docking station. In FIG. 4, reference numeral 113 denotes an entrance to the store's IC market. FIG. 5 is a cross-sectional view showing a state in which the portable money transfer terminal according to one embodiment of the present invention is set on a docking station. .

In FIG. 5, reference numeral 114 denotes an input unit including a menu button, a numeric keypad, and a chip button, reference numeral 115 denotes a printed circuit board, reference numeral 116 denotes a 1-card read / write unit, and reference numeral 111. Is an arithmetic processing unit, 118 is a connection unit, 119 is a holding mechanism, 120 is a communication modem, 121 is a cable connected to a public line or LAN, and 122 is a memory.

FIG. 6 shows a portable management transfer according to an embodiment of the present invention. -It is a figure which shows the display part and input part of a terminal. In Fig. 6, 1 2 3 is the power supply 0 NZO FF button, 1 2 4 is the lock button, 1 2 5 is the balance display button, 1 2 6 is the history display button, 1 2 7 is the refund button, 1 2 8 Is the numeric keypad, 1 2 9 is the execution button, 1 3 0 is the total button, 1 3 1 is the menu button, 1 3 2 is the increase key, 1 3 3 is the decrease key, and 1 3 4 is the print button. is there.

FIG. 7 and FIG. 8 are diagrams showing a use form of a portable money transfer terminal according to an embodiment of the present invention in a store. In FIG. 7, 135 is a clerk and 136 is a customer. In FIG. 8, 139 is a connection terminal.

As shown in FIG. 2, the portable money transfer terminal 27 according to one embodiment of the present invention includes a main body 101, a printer 105, a cable 107, and the like. It consists of an IC reader / writer 108 that can communicate with the main unit and is separated from the main unit. The main unit 101 has a display unit 102, a product / menu key 103 for entering products and menus purchased by customers, a numeric keypad and function keys 104, and a clerk who deals with customers. A clerk's IC card entrance 112 is provided for inserting the IC card, and a printer 105 for printing the receipt 106 is connected. In addition, the customer IC reader / writer writer 108 separated from the main unit by μ has a display unit 102 and a confirmation button 109 for the customer to confirm the payment amount and make a decision. There is a chip button 110 for determining the amount of chips to be paid to the clerk ₍ Fig. 3 shows an example where there is no IC power reader / writer separated from the main unit, IC card inlet 1 1 1 is provided on the side of the main unit In this case, the IC power reader / writer 1 08 shown in the figure is provided The display unit 102, the confirmation button 109, and the chip button 110 are also used for the display unit 102 and function keys 104 provided in the main unit. By adopting such a configuration, a portable money transfer terminal can be made more compact and portable.

As shown in Fig. 4, when the portable money transfer terminal is set on the docking station, the IC card for the clerk or the IC card inserted from the entrance 1 Electronic currency can be exchanged between the 1st card inserted from the 1st entrance 1 1 1 and the IC card inserted from the 1st entrance 1 1 3 for the store. In addition, the electronic currency stored in the store Ic force can be transferred to the IC force in the electronic safe via the cable 1 2 1 connected to the public line or LAN, or deposited into a bank account. can do.

Fig. 5 shows a cross section of the portable money transfer terminal set in the docking stage yoke. The information of the IC card inserted from the clerk's IC input port 1 1 2 is read by the card read / write unit 1 16, calculated by the arithmetic processing unit 1 17, and connected via the connection unit 1 18. To transmit information to the docking station. In the docking station, the received information is processed by the arithmetic processing unit 117 and written into the IC card inserted into the store IC power plant door 113 by the force read / write unit 116. In addition, the operation completely opposite to that described above, that is, the information of the IC card inserted into the store's IC card entrance 113 is read, and the IC power inserted into the store clerk's IC card entrance 112 is read. Performs an operation of writing to a single node. In addition, it connects to the public line or LAN via modem 120 and cable 121, and remits the electronic currency stored on the IC card to a bank account or IC card in an electronic safe. be able to. In addition, the history of electronic currency exchange and the like is recorded in the memory 122.

While the portable money transfer terminal is set on the docking station and the electronic currency is being exchanged, the holding mechanism 1 19 is activated, and the portable money transfer terminal is operated. Hold the terminal and docking station so that they do not come off. This is to prevent the set from coming off due to a shock or the like during communication, resulting in communication failure.

Also, when the portable money transfer terminal is set on the docking station, the IC card inserted into the store IC card slot 113 and the customer Electronic currency can also be exchanged with the IC card inserted at the IC card entrance.

The display unit 102 and the input unit 114 of the portable transfer terminal and the IC card reader for customers are configured as shown in FIG. For example, the product Z menu key 103 of the terminal used in the restaurant displays menus such as curry and cola handled by the store, and the clerk uses this key when entering orders for customers. I do. If the terminal has a wireless communication function, it is possible to wirelessly communicate the order contents to the kitchen. At the time of accounting, the amount of the ordered menu (product), the amount of the chip, and the total amount are displayed on the display section 102. Customer card

1 — The same content is also displayed on the display section 102 of the display. In the illustrated example, the amount of the chip is a predetermined amount, and the customer increases or decreases the amount by operating the chip button 110 of the customer's IC card reader. In addition, for example, buttons such as 10% and 15% are provided in the customer IC card reader, and the customer selects one of the buttons. Then, the amount of the chip may be determined by pressing the key. The amount of the chip is determined by the customer. For this reason, if a chip button is provided on the customer IC reader / writer that is separated from the main unit, it is easy for the customer to enter the amount of the chip, which can reduce the customer's labor and increase satisfaction. Can be. In stores that do not require tips, it is not necessary to display the tip amount and to install tip buttons. In addition, it is also possible to display the tax amount. Further, the display items of the display section 102 can be changed between the terminal side and the customer IC power supply side.

Portable money transfer terminals and docking stations are used, for example, in restaurants and the like in the form shown in FIG. The sales clerk 13 5 carries at least the main body 101 of the terminal and takes orders from the customer 13 6, receives the price of goods from the customer 13 6 in electronic currency, or removes the terminal. Connect to the docking station 28 to transfer the electronic currency stored in the terminal's IC card to the docking station's IC card. The customer 1336 inserts his / her own IC power into the customer IC card reader / writer 108 when paying for the goods, etc., confirms the displayed amount, and then presses the confirmation button. By manipulating the information on their own, they decide on the electronic currency. The card reader / writer 108 for the customer is connected to the terminal via a cable 100 mm; 'The clerk can carry it around or place it on the customer's table in advance and connect it to the terminal only when necessary. It may be connected and used. Also, the printer 105 for printing the receipt may be connected to the terminal body 101 or may be connected to the docking station 28. As shown in Fig. 8, connection terminals 13 9 are installed at multiple locations in the store, and a portable money transfer terminal is connected to one of the connection terminals. By doing so, the electronic currency stored in the IC card in the portable money transfer terminal can be moved to the store Ic card in the control center, which will be described later. The control center is connected to the public line or LAN, and can send electronic currencies stored in store IC cards to banks and store them in electronic safes. Installing multiple connection terminals in this way has the effect of enabling efficient remittance and storage of electronic currencies when the number of clerks is large or the store area is large. In addition, the number of portable transfer terminals and the number of docking stations or connected terminals do not necessarily have to be one-to-one, and a larger number of portable transfer terminals may be used. And vice versa. If there are more portable money transfer terminals, it is effective mainly for stores with a large number of clerks, and conversely, if there are more docking stations or connected terminals, it is mainly effective for large stores. It is.

FIG. 9 is a block diagram showing a functional configuration of the portable money transfer terminal and the docking station shown in FIG. 1 37 is an amount information storage unit, and 1 38 is an ID number storage unit. Other symbols are the same as those in FIGS. 1 to 8.

FIG. 10 is a block diagram showing a functional configuration in a state where the portable money transfer terminal shown in FIG. 3 is set on the docking station. The symbols are the same as in FIGS. 1 to 9.

FIG. 11 is a block diagram showing a functional configuration in a state where a portable management transfer terminal is set to the connection terminal 1339 shown in FIG. 140 is a control center, and 141 is a line control unit. The other symbols are the same as those in FIGS. 1 to 10. Next, an operation example in the case of exchanging electronic currencies in an IC card using the portable money transfer terminal configured as described above will be described.

FIG. 12 is a diagram showing a portable money transfer device according to an embodiment of the present invention, in which electronic money is exchanged between a clerk IC card and a customer IC card using a terminal. This is a flowchart for the case, and will be described below.

First, press the power button 1 2 3 to set the power to 0 N and start the operation. The clerk operates the numeric keypad 128 or the product Z menu key to enter the customer's order or the price of the purchased product. Then, the amount is displayed on the portable money transfer terminal 1 and the display section 102 of the customer IC card reader / writer. Here, when paying a chip, the customer operates the chip button 110 of the customer's IC power reader / driver to set the amount of the chip. Then, the amount of money including the chip is confirmed, and the Ic card is inserted into the customer IC card entrance 1 1 1. Here, the customer checks whether or not the customer's IC card is unlocked. If the lock has not been released, enter the PIN by using a separate lock release device such as an electronic wallet provided on the portable money transfer terminal or lock the device. To release. Then, when the customer presses the confirmation button 109, the electronic currency of the amount displayed on the display unit 102 is transferred from the customer's IC card to the clerk's IC card. The clerk prints the receipt 106 using the printer 105 and ejects and returns the customer's IC card. Hand the printed receipts and merchandise to the customer. In the case of a restaurant, the product, or dish, may already be provided to customers. Turn off the power button 1 2 3 finish.

FIG. 13 shows a case where electronic money is exchanged between a clerk IC card and a store IC card using a portable money transfer terminal and a docking terminal according to an embodiment of the present invention. This will be described below.

When the power of the portable transfer terminal is set to 0 N and connected to the docking station, the balance of the clerk's IC force is confirmed, and the money should be remitted to the store's IC force except for the chip. Calculate the amount. The amount of the chip is recorded separately from the amount to be remitted to the store IC force, and the amount to be remitted to the store IC force is transferred to the store IC force. This is to leave it in the business IC field. Also, the IC card can be provided with several pockets for storing electronic currencies separately-it is possible to store the sales of the store and the chip of the store clerk in separate pockets . Since the remittance amount is displayed, the clerk judges whether the remittance is 0K or not, and if it is 0K, presses the 0K button, otherwise presses the clear button. 0 When the K button is pressed, remittance of electronic currency from the clerk's IC card to the store's IC card is performed. Here, the holding mechanism 119 operates so that the portable money transfer terminal and the docking station do not come off during the remittance. The timing of the difficulty of the holding mechanism may be before or after the OK button is pressed. When the remittance process is completed, the holding mechanism 1 19 is released, and the process ends. At this time, the electronic currency stored in the store IC power can be automatically remitted to a bank or an electronic safe via a public line network or a LAN. It is also possible to remit electronic currency directly to banks and electronic safes without going through a store IC card. In this case, the store IC There is no need to provide a head read / write unit, and the device can be simplified. When the portable management terminal is not connected to the docking station, as shown on the right side of Fig. 13, the customer IC card is changed to the clerk IC card. The remittance is performed, and the procedure is the same as that described in the flowchart of FIG.

FIG. 14 is a diagram similar to FIG. 13, in which a portable money transfer terminal and a docking terminal according to an embodiment of the present invention are used to connect a store clerk IC card and a store IC card. Alternatively, this is a flow chart in a case where an electronic currency is exchanged between a customer IC card and a clerk IC card. This will be described below.

Fig. 12 shows an example of confirming the displayed remittance amount and then pressing the OK button when remitting electronic currency from the customer's IC card to the clerk's IC card. Alternatively, the operation of inserting the customer IC card into the customer IC card entrance can be substituted for the operation of pressing the OK button. That is, as shown in the flow chart on the right side of Fig. 14, after confirming the displayed remittance amount, if the remittance is 0 K, the customer's IC password is inserted. Press. Other operating procedures are the same as in Fig. 13. This method can also be used when using a portable money transfer terminal that does not have a separate customer IC card reader Z writer as shown in Fig. 3. Since operations can be reduced by one step, the exchange of electronic currencies can be performed in a short time. Also, when a separate customer IC card reader / writer is provided, there is no need to provide the confirmation button 109, which simplifies the equipment, reduces costs, and reduces the number of operations by one step. Can exchange electronic currencies in a short time. As shown in Fig. 13 and Fig. 14, the remittance direction of electronic currency is restricted depending on whether the portable money transfer terminal is connected to the docking station. In other words, when the portable money transfer terminal is not connected to the docking station, remittance is only in the direction in which the electronic currency moves from the customer's IC force to the clerk's IC force. Is allowed and when connected, remittance is allowed only in the direction in which the electronic currency moves from the clerk's IC card to the store's IC force. As a result, when the store's IC card is stored in the docking station and the store's IC card is stored in the portable money transfer terminal, the store's sales are reduced to the store's IC card. It will not be transferred to a customer's IC card or another IC card (except for refunds described later). Also, the electronic currency stored in the clerk's IC card is not transferred to the customer's IC card or another IC card. Therefore, theft of electronic money can be prevented, and the security is excellent.

FIG. 15 is a diagram showing a configuration of a clerk IC card for exchanging electronic currencies between a clerk IC card and a store IC card according to an embodiment of the present invention.

— This is a flowchart for unlocking the lock, which will be described below.

Pressing the Mickey Button 1 2 4 of the portable money-transfer terminal that stores the Ic card for the clerk, the card is connected to the docking station if the terminal is connected to the docking station. The reading / writing unit 1 16 reads the ID number of the clerk's IC card. If the ID number is already registered, the lock is released. If the ID number has not been registered, a prompt to enter the password is displayed. The password is entered, and if they match, the lock is released. If the PINs do not match Indicates that unlocking is not possible. In addition, even if the portable money transfer terminal is not connected to the docking station, a message indicating that it is not possible to release the hook is displayed. With this method, when the clerk's IC card is stored in the portable management transfer terminal, the withdrawal of the electronic currency from the clerk's IC card into the docking terminal is performed. It is possible only when the connection is established. <Accordingly, when the clerk is responding to the customer, he or she mistakenly remits the electronic currency from the clerk's IC card to the customer's IC It can prevent remittances to non-cards. In addition to the flowchart shown in Fig. 15, the method of unlocking the clerk's IC card unconditionally when the portable money transfer terminal is connected to the docking station is adopted. You may. According to this method, since the operation of the lock release button and the operation of inputting the personal identification number can be reduced, the lock of the clerk IC force can be released in a short time, and the exchange of the electronic currency can be performed promptly. it can. In addition, it is possible to connect the portable management transfer terminal to the docking station and to always enter the password. According to this method, for example, when a plurality of clerks use a plurality of portable money transfer terminals, a portable money transfer terminal in which another clerk's IC force is stored by mistake is used. Lock is not released when connected to docking station. Also, if a non-clerk connects, the lock will not be released unless you know the PIN. For this reason, the lock release operation can be performed carefully and reliably, and safety can be further improved. FIG. 16 is a diagram showing a form in which a portable money transfer terminal according to an embodiment of the present invention is used in a taxi. In FIG. 16, reference numeral 144 denotes a taxi meter, and reference numeral 144 denotes a support stand. The taximeter 1 4 2 is connected to the portable money transfer terminal 27 via the support stand 14 3, and the customer's IC power is at a position where the customer can operate. is set up. The customer IC reader / writer 108 is handed over to the customer only when customer operation is required, and is placed near the portable money transfer terminal 27 at other times. Good.

FIG. 17 is a block diagram showing the functional configuration of the portable money transfer terminal, customer IC power reader Z writer, and taxi shown in FIG. 16. Reference numeral 144 denotes a travel time measurement unit, and reference numeral 144 denotes a travel distance measurement unit. Other reference numerals are the same as those in FIGS. 1 to 16. _c FIG. 18 is a portable controller according to an embodiment of the present invention shown in FIGS. 16 and 17. This is a flowchart for exchanging electronic currencies between a taxi driver IC card and a customer IC card using a transfer terminal. This will be described below.

First, press the power button 1 2 3 to set the power to 0 N and start the operation. The driver inputs the amount by operating the numeric keypad 128 or automatically from the taximeter 142. Then, the amount is displayed on the display section 102 of the portable money transfer terminal and the customer IC reader / writer. Here, when paying a chip, the customer operates the chip button 110 of the customer's IC card reader Z writer to set the amount of the chip. Then, the amount including the chip is confirmed, and the IC card is inserted into the customer IC card insertion slot 111. Here, the customer checks whether or not the customer's IC card has been unlocked. If the lock has not been released, the portable money transfer terminal Enter the password using a separate lock release device such as an electronic wallet or the like to release the lock. Thereafter, when the customer presses the confirmation button 109, the electronic currency of the amount displayed on the display section 102 is transferred from the customer's IC card to the driver's IC force. The driver prints the receipt 106 using the printer 105, and discharges and returns the customer's IC force. Also hand it over to the printed receipt and customer. Turn off the power button 1 2 3 to end the operation. When the driver completed the trip and returned to the office, he set the portable management terminal on the docking station installed in the office, and described the explanation in Fig. 13. The electronic currency stored in the driver's IC card is remitted to the taxi company's IC card by the above method.

Even when a portable money transfer terminal according to an embodiment of the present invention is applied to a taxi, a customer IC card reader Z-writer as shown in FIG. 3 is not separately provided. May be used, and any of the above-described methods may be applied to the operation method. Industrial applicability

INDUSTRIAL APPLICABILITY The present invention can be used for a P0S terminal for electronic currency used in an electronic currency system. It is suitable for P0S terminals for electronic currencies to be provided in places where the mobile phone is used frequently.

Claims

The scope of the claims

1. In an IC card reader / writer for electronic currency for transferring electronic currency held in an IC card,

A main body having an entrance into which the IC card is inserted and a button for inputting an amount;

An IC force read / write device having a stage yoke separated from the main body and capable of moving an electronic currency through a communication line by setting the main body. .

2. The IC force reading Z writing machine according to claim 1, wherein the main body has two entrances into which the IC card is inserted.

3. The IC card reader / writer according to claim 1, further comprising a holding mechanism for holding a state in which the main body is set in the station.

4. In an IC currency reader / writer for electronic currency for transferring electronic currency held in the IC currency,

A main body having an insertion slot into which the IC force is inserted and a button for inputting an amount;

An IC slot for inserting an IC force, capable of communicating with the main unit, and an IC force read / write unit separated from the main unit; and the main unit separated from the main unit. An Ic force reading Z writing machine characterized by having a stage yoke in which electronic currency can be moved via a communication line by setting a main body.

5. Determine the amount of the chip in the IC card read / write unit. The IC card reader / writer according to claim 4, further comprising a button for reading.

6. In an IC card reader / writer for electronic currency for transferring electronic currency held in the IC card,

A button for inputting an entrance and an amount for inserting the IC force, which can be used separately from a station connected to a communication line, and An IC card reader / writer that can transfer electronic currencies via a communication line when it is set in a computer.

7. The IC card reader / writer according to claim 6, wherein the IC card reader / writer has two entrances into which the IC card is inserted.

8. An entrance into which the IC card is inserted, which can communicate with the IC card reader / writer according to claim 6, and is separated from the IC card reader and the Z writer. 7. The IC force reading / writing device according to claim 6, further comprising an IC force reading / writing unit having the following.

9. Reading IC force for electronic currency to transfer electronic currency held in IC card In the operation method of Z writer, gold is input from the main part of the IC force reader / writer. Steps performed,

A step of displaying the amount on an IC card reading / writing unit communicable with the main body unit and separated from the main body unit; and an IC card insertion slot of the IC card reading / writing unit. A method for operating an IC card reading / writing device, comprising the steps of: 10. The IC card reading device according to claim 9, further comprising a step of inputting a chip amount using a button of the main body unit or the IC card reading / writing unit. / How to operate the writing machine.

1 1. In the operation method of the IC card reading / writing device for moving the electronic currency held in the IC card, the electronic currency is separated from the main body of the IC force reading / writing device. And setting the main unit to a station where electronic currency can be transferred via a communication line by setting the main unit. Displaying the amount of money to be remitted from the force to the IC card inserted into the station or to another electronic currency holding means for moving the electronic currency via the communication line. This is a method for operating an IC card reader / writer.

12. The IC force guide according to claim 12, further comprising a step for activating a holding mechanism for holding the station and the main body in a set state. How to operate the reader / writer.

13. A step for unlocking an IC card inserted into the main body portion in a state where the station and the main body portion are set. The operation method of the IC card reader / writer described in Paragraph 11 of the above.