WO2004013789A1

WO2004013789A1 - Method for updating electronic purse money sum data in electronic money transaction system

Info

Publication number: WO2004013789A1
Application number: PCT/JP2002/008004
Authority: WO
Inventors: Hiroki Mitsumoto; Shinichi Fujii
Original assignee: Fujitsu Limited
Priority date: 2002-08-06
Filing date: 2002-08-06
Publication date: 2004-02-12
Also published as: AU2002368138A1; JPWO2004013789A1

Abstract

A method for updating the money sum data recorded in an electronic purse in an electronic money transaction system. It is possible to update the money sum data in the electronic purse even when a user’s electronic purse is not connected by online to a banking establishment or an electronic money company. According to a reservation date, reservation method, and reservation sum set by the user, the banking establishment reserves a predetermined sum from the user’s account. According to the reservation execution list created according to the reservation result, the electronic purse money sum data is updated in the transaction terminal. The reservation is executed when the deposit balance exceeds the sum necessary for reservation. Moreover, by setting the loan function, it is also possible to increase the electronic purse money sum data without getting approval by online from the banking establishment or the electronic money company when the deposit balance is insufficient for executing the reservation.

Description

Specification Method of updating money amount data of electronic wallet in electronic money transaction system

[Technical field]

The present invention relates to an electronic money transaction system, and more particularly, to a method for updating money amount data of an electronic wallet.

[Background technology]

Credit card: An electronic money manager that records the monetary value as an amount of money as a settlement means other than cash, and uses the electronic money net to adjust the amount of money in the transaction. It has been introduced in e-commerce and actual stores, and is gaining attention as an alternative to existing payment methods.

In a conventional electronic money transaction, a user's electronic money is recorded in an electronic wallet as the amount of money the user can use for the transaction. In order for a user to use e-money, first, the financial institution or e-money company and the user's e-wallet are connected online, and the amount of money recorded in the e-wallet is increased. Had to be done.

Conventional deposit procedures include the first procedure in which a user attaches an electronic wallet to a terminal equipped with an electronic money deposit function (hereinafter referred to as the electronic money deposit terminal) and performs the deposit procedure. (Hereinafter referred to as PC) There was a second procedure in which a special software called a wallet was used to carry out the procedure using a credit card.

However, in the case of the first procedure, the user must actually carry an electronic wallet and go to an electronic money depositing terminal. In addition, there is a problem that electronic money deposit terminals exist only in a part of Tokyo and the number is small. In the case of the second procedure, it is not necessary to go to the electronic money deposit terminal, but the user must prepare and set up multiple software called pockets for each electronic money management company. It is also possible that the user is not in an environment where a PC can be used, and in such a situation, the payment procedure cannot be performed. Japanese Patent Application Laid-Open No. 2001-2832296 states that a bank or credit card company can use a cash withdrawal terminal installed at a general store within the amount of money recorded on IC cards. There has been proposed a method of withdrawing cash offline without connecting to such financial institutions.

However, in order to record the amount data on the IC card, the user must perform a deposit procedure at the electronic money deposit terminal, and no proposal has been made to reduce the complexity of the deposit procedure.

As described above, in the conventional electronic money transaction system, the financial institution or the electronic money company and the user's electronic wallet are not connected online at the time of deposit in order to carry out the payment procedure for the electronic money. It was not easy for the user to perform the deposit procedure, and rather complicated.

[Disclosure of the Invention]

SUMMARY OF THE INVENTION An object of the present invention is to provide a method of updating a user's electronic wallet amount when the user's electronic wallet is not connected to a financial institution or an electronic money company online during the payment procedure. The purpose of the present invention is to provide an evening update method and an electronic money transaction system to reduce the complexity of the deposit procedure.

In order to achieve the above object, according to the present invention, there is provided an electronic wallet in which the amount of money that can be traded by a user is recorded, and a transaction settlement terminal that enables a transaction based on the amount of money recorded in the electronic wallet. A method of updating the amount data of an electronic wallet in an electronic money management system having a financial institution server for registering and managing the user's deposit account, wherein the electronic institution server performs a transaction with the electronic wallet. The present invention provides a method for updating the amount data of an electronic wallet, characterized by updating and recording an available amount in the electronic wallet based on the set holding amount and a transaction amount.

According to the embodiment of the invention described above, a predetermined amount is reserved from the user's deposit account at the financial institution on the date set by the user, and the user is first placed at the transaction settlement terminal after the date on which the reservation is performed. When making a transaction, the transaction settlement terminal does not connect online with a financial institution or an e-money company, but the amount of money recorded in the user's e-wallet is increased. Will be implemented.

According to another embodiment, the balance of the deposit account at the financial institution is the amount required When the user makes a transaction at the transaction settlement terminal for the first time after the date on which the transaction was held, the transaction settlement terminal uses the financial institution or electronic money manager. Without connecting to a company online, the amount of money recorded in the user's e-wallet is increased, and the electronic money is deposited.

According to another embodiment, a user makes a contract to add a loan function to the electronic money service, and the setting is recorded in the electronic wallet, so that the user can make a transaction at the transaction settlement terminal. In doing so, the amount of money recorded in the user's e-wallet will be increased as a loan without having to go online with a financial institution or e-management company. According to the invention described above, the user can perform the payment procedure at the same time as the settlement of goods and services, and the settlement and payment can be performed only once, which is convenient.

Even if the balance of the deposit account is insufficient and the hold is not carried out on the date set by the user, if the balance of the deposit account exceeds the amount required for the hold, the electronic money will be deposited again. Deposits to deposit accounts can be made at bank stores, automated teller machines (hereinafter referred to as ATMs), mobile terminals with communication functions such as mobile phones, PCs that can be connected to the Internet, etc. Can be performed using the terminal. As described above, since many methods are provided, it is more convenient for users than when the payment procedure is performed at a few payment terminals of electronic money as in the past.

In addition, at an electronic money management company, the equipment required for the payment procedure is consolidated into a transaction settlement terminal installed in a store or the like and a payment terminal (ATM, mobile terminal, PC, etc.) to a bank account, There is no need to set up an electronic cashier deposit terminal, which can significantly reduce costs.

[Brief description of drawings]

FIG. 1 is a diagram showing a first embodiment of the present invention.

FIG. 2 is a diagram showing a second embodiment of the present invention.

FIG. 3 is a diagram showing a third embodiment of the present invention.

FIG. 4 is a diagram showing an example of user information.

FIG. 5 is a flowchart showing the suspension processing.

FIG. 6 is a diagram showing an example of deposit account information.

FIG. 7 is a diagram illustrating an example of the suspension execution list. FIG. 8 is a flowchart showing the deposit processing.

FIG. 9 is a flowchart showing the purchase process.

FIG. 10 is a diagram showing an example of a deposit message.

FIG. 11 is a diagram showing an example of a transaction report message.

FIG. 12, FIG. 13, and FIG. 14 are diagrams illustrating a first example of payment in the first embodiment of the present invention.

FIG. 15, FIG. 16, FIG. 17, and FIG. 18 are diagrams illustrating a second example of payment in the first embodiment of the present invention.

FIG. 19 and FIG. 20 are views for explaining a third example of payment in the first embodiment of the present invention.

[Best Mode for Carrying Out the Invention]

Hereinafter, embodiments of the present invention will be described with reference to the drawings. However, the technical scope of the present invention is not limited by such embodiments, but extends to the inventions described in the scope of the patent request and their equivalents.

(1) First embodiment

FIG. 1 is a diagram showing a first embodiment of the present invention. In the first embodiment, when a hold is performed in the financial institution server 40, a hold execution list describing whether or not the user has performed a hold on the deposit account is transmitted to the transaction settlement terminal 20. . When a user conducts a transaction at the Toryumi I payment terminal 20, the above-mentioned holding execution list is referred to, the amount data of the electronic wallet 10 corresponding to the deposit account for which the holding was executed is increased, and payment is made. Is what is done.

The electronic money transaction system shown in Fig. 1 consists of an electronic wallet 10 that records the amount of money that can be used by users, and a transaction settlement terminal 20 that is used in the settlement of goods and services and installed in stores. And a financial institution server 40 that manages the deposit and withdrawal of the user's deposit account and is installed in the financial institution. In this specification, it is assumed that the electronic wallet is realized by an IC card and the financial institution is realized by a bank.

First, the electronic wallet 10 will be described. The user's electronic money is recorded as the amount of money that can be used in the electronic wallet 10 and is reduced when the user pays at the transaction settlement terminal 20 installed in stores, etc., and payment is made It will be increased when it is done. 2002/008004 The user information 12 is stored in the recording medium 11 in the electronic wallet 10. Figure 4 is an example of user information 12. Figure 4 shows the user's name 61, the card number 62 to identify the IC card, the balance of the electronic money recorded on the IC card 633, the user wants to hold The hold date 64, which is the set date, and the set hold amount 65, which is the amount that the user wants to hold, are recorded.

In addition, the last payment date of the electronic money, the last payment date 66, the last time electronic money was used, the last usage date 67, the bank account balance is insufficient. A loan function 68 for determining whether to lend an electronic money when a hold is not implemented is recorded.

The flow of deposit in the first embodiment will be described together with the configuration. The financial institution server 40 carries out the hold in the hold processing of FIG. 5 described later, and creates a hold execution list 24. The financial institution server 40 receives the payment message 25, the withdrawal message 26, and the loan message 27 from the transaction settlement terminal 20 and transmits a hold execution list 24 indicating whether or not the hold result is possible. It has a device 41 and a storage device 42 for storing the deposit account information 43.

Figure 6 is an example of savings account information. For simplicity, only the user T a ro column is extracted, but in fact all users are stored in the list. User name 61, card number 62, hold date 64, set pending amount 65, deposit account number 69, showing user's loan balance, loan balance 70, showing user's deposit balance The deposit account balance 71, the electronic money management balance recorded on the financial institution server 40, the retained balance 72, and the last date on which the suspension was performed, the last retained date 73 are recorded. In FIG. 9, it can be seen that the user Taro of the deposit account number A00001 owns the electronic wallet of the card number 001.

Figure 7 shows an example of a suspension implementation list. For simplicity, only the row of card numbers 0 0 0 1 has been extracted, but in fact all users are stored in the list. Card number 62 and hold result 74 are recorded. In FIG. 7, it can be determined that the hold is performed at the card number 00001.

FIG. 5 is a diagram illustrating the suspension processing performed by the financial institution server 40. In this hold process, the hold will be performed when the deposit account balance exceeds the set hold amount for the first time after the set hold date. 2 008004 implemented.

First, the financial institution server 40 determines whether or not the day on which the suspension processing is to be performed is a suspension date (S101). The financial institution server 40 may determine that today is the hold date if the date of the hold processing and the hold of the deposit account information 43 are met. If it is determined in step S101 that the day on which the hold processing is to be performed is the hold date, it is determined whether the deposit account balance 71 exceeds the set hold amount 65 (S103). If it is determined in step S103 that the deposit account balance 71 exceeds the set hold amount 65, the set hold amount is held, and the deposit account information 43 is updated (S104). In step S104, the deposit account balance 71, the pending balance 72, and the last pending date 73 are updated. When step S104 is completed, the pending execution list 24 is updated (S105). In step S105, the hold number of the account number 74 corresponding to the deposit account number 74 on which the reservation was made The reservation result 74 of the reservation account 72 is OK, and the card number corresponding to the deposit account number 74 that is not held What is necessary is to make the suspension result of 6 2 7 4 NG. Then, the financial institution server 40 transmits the hold execution list 24 to the transaction settlement terminal 20 (S1 • 6), and the hold processing ends. If it is determined in step S101 that the day on which the hold processing is to be performed is not the hold date, the financial institution server 40 determines whether one month has passed since the last hold date 73 (S1002). ). What is necessary is to compare the execution date of the hold processing with the final hold date 73 of the deposit account information 43. In step S102, if one month has elapsed, it means that the hold has not been held on the closest hold date before the execution of the hold processing, and if hold is possible at this time, it is necessary to execute the hold. Proceed to step S103.

If one month has not elapsed in step S102, the hold has been executed on the closest hold date before the execution of the hold process, and no hold is required, and the hold execution list is updated (S105). move on. Also, if the deposit account balance does not exceed the set hold amount in step S103, there is no need to hold and the process proceeds to the hold execution list update (S105). In step S104, the amount to be held is set to the same amount as the set holding amount, but this is set as the difference between the set holding amount and the holding balance.If the balance of the deposit account exceeds the difference in step S103, The difference may be reserved.

If the bank account balance exceeds the bank account due to the bank account processing shown in Fig. 5, the bank account will be held once between the set bank date 64 and the next bank date 64, and the user's bank account will be held. The balance 71 is unduly reduced, which prevents excessive holding.

In addition, even if the balance of the deposit account 7 1 is not enough on the hold date 6 4, the hold is performed when the balance of the deposit account 7 1 exceeds the reserve amount. Deposits and transfers to savings accounts can be easily made from ATMs installed on the streets or convenience stores, or mobile terminals or PCs with communication functions, which is convenient for users. .

Next, the transaction settlement terminal 20 will be described. The transaction settlement terminal 20 decides whether to increase the e-wallet card balance 63 when the user conducts a transaction based on the received hold determination list 24, According to the transaction to be made, the balance of the force recorded in the electronic wallet 10 is updated, and a report message of withdrawal and deposit is transmitted in order to report the transaction status to the financial institution server 40 in FIG. Perform purchase processing.

The transaction settlement terminal 20 reads out the user information 12 in the electronic wallet 10 and writes the updated user information to the electronic wallet reader / writer 21 and the electronic wallet 10 with the card balance 6 3 A storage device 2 3 for storing the on-hold execution list 24 for determining whether to increase the amount of payment, the deposit message 25 for reporting the transaction status to the financial institution server 40, the withdrawal message 26, and the loan message 27 And a communication device 22 for transmitting and receiving data.

The deposit processing will be described with reference to FIG. In this deposit processing, the card balance 63 of the user's e-wallet is increased when the transaction is settled at the transaction settlement terminal 20 for the first time after the suspension has been carried out, and reported to the financial institution server 40 To create a message for In FIG. 8, first, it is determined whether the day on which the payment processing is performed is the first use date after the closest hold date before the execution of the payment processing (S701). In step S701, the transaction settlement terminal 20 compares the date on which payment processing is performed with the last use date 67 and the hold date 64 of the user information 12 in the electronic wallet 10. Judgment is possible. If it is determined in step S701 that this is the first use date, it is determined in the hold execution list 24 whether the hold was performed with the card number corresponding to the user (S703) ). In the case of the first use after the closest hold date before the payment processing execution date, if the hold is executed and the payment is made, the deposit is made to increase the force balance 6 3 of the electronic wallet 10 by the set hold amount, and the user The information is updated (S705). With the payment made, the card balance 6 3 and final Payment date 6 6 is updated. After step S705, a payment message 25 is created to report to the financial institution server 40 that the card balance of the user's e-wallet has been increased (S706), and the payment processing is performed. Ends.

If the day on which the deposit processing is performed in step S701 is not the first use date after the nearest hold date before the payment processing is performed, it is determined whether one month has passed since the last payment date 66 (S 7 0 2). In step S702, if one month has passed since the last payment date, it means that no payment was made on the first use date after the nearest hold date before the payment processing was executed, and payment must be made. Proceed to step S703 to determine whether there is any. In step S702, if one month has not passed since the last deposit date 66, it means that the deposit was made after the closest hold date before the date of deposit processing, and there is no need to deposit, The payment processing ends.

In step S703, if the card is not held at the card number corresponding to the user, it is determined whether the lending function 68 is set (S704). If the loan function 68 has been set, the set reserved amount is deposited as a loan, so the flow proceeds to step S706. If the lending function is not set in step S704, payment is not performed, and the payment processing ends.

If a deposit is held in the user's deposit account or a loan has been set up by this deposit processing, the card balance of the electronic wallet will be increased, and the card will be transferred to the electronic money management terminal and the payment procedure will be performed. There is no need to do it.

After the payment processing is completed, the transaction settlement terminal 20 performs the purchase processing shown in FIG. The purchase processing is to reduce the amount of money in the electronic wallet and create a message for reporting to the financial institution server 40 when the electronic money available to the user exceeds the purchase amount. You.

In FIG. 9, first, it is determined whether the card balance 63 exceeds the purchase price (S801). If it is determined in step S801 that it exceeds, the withdrawal that reduces the power balance 63 of the electronic wallet 10 by the purchase amount is performed, and the user information 12 is updated (S8002). ). In step S802, the purchase amount is reduced from the card balance 63, and the last use date 67 is updated.

After step S802, a withdrawal telegram 26 is created (S803), and the purchase process is completed. finish. The withdrawal telegram 26 records the number of the withdrawn card and the withdrawal amount. If the card balance 63 does not exceed the purchase amount in step S801, the purchase cannot be made and the purchase process is terminated.

FIG. 10 shows an example of a payment message among the messages created in the payment processing and the purchase processing. For simplicity, only the column with the card number 0 0 0 1 has been extracted. A message type 75 indicating the receipt, withdrawal, or loan of the message, a card number 62, and the amount paid 76 are recorded. In FIG. 10, it can be seen that the payment of 100,000 yen was made at the card number 00001. If the message type 7 1 is withdrawal, it is a withdrawal message 26, and if it is a loan, it is a loan message 27. Also, instead of sending the messages separately, the transactions of the day after the work is completed may be put together and sent as a transaction report message. Figure 11 is an example of a transaction report message.

The message created in the payment processing and the purchase processing is transmitted to the financial institution server 40, and the retained balance is updated. As a result, the balance of the electronic wallet and the balance of the electronic wallet coincide with each other, and the consistency as the electronic money transaction system is maintained.

According to the first embodiment described above, if the user deposits an amount exceeding the set holding amount in the savings account, the holding is automatically carried out on the holding day, and then the transaction is settled at the transaction settlement terminal. At the time of payment, the payment procedure can be performed automatically at the same time as the settlement. This saves the user from having to go to the electronic money management terminal for the payment procedure, which is convenient for the user.

(2) Second embodiment

FIG. 2 is a diagram showing a second embodiment of the present invention. In the second embodiment, unlike the first embodiment, the electronic money management company server 3◦ mediates the data transmission and reception between the financial institution server 40 and the Toriumi I settlement terminal 20. Is the case. The first embodiment can be applied to the case where the financial institution itself provides the electronic money management service, but the second embodiment provides an electronic money management service by an organization other than the financial institution. Applicable in cases.

The e-money company server 30 manages e-money accounts in order to provide users with a history of e-money balance and usage status, and also manages the Tori I payment terminal 20 and financial institution server 40 Mediates data transmission and reception with Electronic money company server 30 Device 31 for transmitting and receiving data to and from the terminal 20 and the financial institution server 40, and a storage device 32 for storing electronic money account information 33 of the user. The electronic money company server 30 manages the same information as the deposit account information 43 as the electronic money account information 33, and uses the communication device 31 to transmit the information from the transaction settlement terminal 20 and the financial institution server 40. What is necessary is just to transfer data.

The communication device 31 is connected to the network that connects the electronic money company server and the transaction settlement terminal to the network that connects the electronic money company server and the transaction settlement terminal, taking into consideration security so that information does not leak to the necessary places. It may be realized by two different interfaces, or by two communication devices, for the purpose of isolating the network.

(3) Third embodiment

FIG. 3 is a diagram showing a third embodiment of the present invention. In the third embodiment, when there are a plurality of bowing I settlement terminals 20 in the first or second embodiment, the communication device 22 of each bowing I settlement terminal 20 transmits and receives data overnight. Instead of doing this, the functions of the communication device are performed in one place.

FIG. 3 is based on the second embodiment. In the third embodiment, the transaction terminal 20 reads the removable recording medium 28 and the user information 12 in the electronic wallet 10 instead of the storage device 23, and updates the updated information. And an electronic wallet reader / writer 21 for writing the information. The transaction information collection terminal 50 includes a recording medium reader / writer 51 for reading and writing data from the recording medium 28, and a communication device 52 for transmitting and receiving data to and from the electronic money company server 30. I have.

In the third embodiment, for example, after the business is completed, the recording medium is removed from each transaction settlement terminal 20 and attached to the transaction information collection terminal 50, so that the deposit message 24, the withdrawal message 25, the loan message 26, the transmission and reception of the suspension execution list 24 are performed at one place. This is an environment where there are a large number of transaction settlement terminals at one base, or where temporary opening of temporary store events, etc., and the network with the electronic money management company server 30 cannot be secured for the number of transaction settlement terminals. Are suitable.

If a large number of transaction settlement terminals 20 exist at one location, a large amount of processing after the end of business will occur at the same time as the end of business. As a result, electronic money companies The network of the base where the terminal 30 and the transaction settlement terminal 20 are set is loaded, and the processing efficiency is not good. Therefore, by transmitting and receiving one situation per day at one location, it is possible to reduce such a load and increase the processing efficiency.

It is also conceivable that the means for connecting to the electronic money management company server cannot be secured for the number of Tori I payment terminals 20 in temporary store openings or events. However, at one location, a means for connecting to the electronic money management company server 30 can be secured, and if a transaction information collection terminal 50 can be set up there, if the recording medium 28 is attached after the work is completed, 25, withdrawal message 26, loan message 27, and the list of pending executions 24 from the following day can be received, and settlement using electronic money becomes possible.

Incidentally, the recording medium reader / writer 51 may have a capability of processing a plurality of recording media at one time.

Subsequently, an actual payment example will be described. For simplicity, the behavior for one user is described, but it can be applied to multiple users. In addition, the payment example in this specification is performed in the third embodiment.

(4) First payment example

Next, a first payment example based on the first embodiment will be described. In the first payment example, the financial institution server 40 holds the payment on the hold date, and the next day when the user makes a payment using the transaction payment terminal 20, the payment procedure is performed and the electronic wallet In this example, the balance within 10 is increased and then reduced by the purchase amount.

In the first deposit example, the hold date is 25th of every month, the set hold amount is 100,000 yen, and the last deposit was made on May 26, 2002 The last use of electronic money was on June 23, 2002, and it is assumed that the loan function has not been set up. FIG. 12, FIG. 13, and FIG. 14 are diagrams illustrating a first payment example in the first embodiment of the present invention. The explanation will start from the end of the business on June 25. Figure 12 shows the user information 101, the pending execution list 102, and the deposit account information 103 for the user Taro at the end of the business on June 25. I have. First, the financial institution server 40 performs the hold processing shown in FIG. 5 (S 1). In step S1, the execution date of the hold processing is June 25, which corresponds to the hold date 64 (Fig. 5, S101). Deposit account balance 3 0 0, 0 0 0 yen is set Hold amount 1 0, 0 Since it is more than ¥ 00, a reservation of ¥ 10,000 will be held and the savings account balance 76 will be ¥ 290,000, the pending balance 77 will be ¥ 13,000, and the final reservation date 73 will be June 25, 2002 Then, they are updated (Fig. 5, S104). The account information 104 shown in FIG. 12 is obtained by extracting portions updated in step S104. Subsequently, the hold execution list 24 is updated, and the hold result 74 of the card number 0001 becomes OK (S106). The hold execution list 24 updated in step S106 is transmitted to the transaction settlement terminal 20 (S107), and the hold processing ends.

The transaction settlement terminal 20 updates the hold execution list 102 (S2). In step S5, the received hold execution list may be stored in the storage device 23 as it is. The pending execution list 105 is an extracted part updated in step S5. That's all for the post-June 25 operations.

Moving to Fig. 13, during business hours on June 26, the user attaches the electronic wallet 10 to the transaction settlement terminal 2◦ in order to purchase a 1,000 yen item at the store (S3). The transaction settlement terminal 20 performs the deposit processing of FIG. 8 (S4).

In Step S4, since the last use 67 is June 23, 2002 and the reservation 64 is 25 every month, June 26, 2002, which is the date of payment processing, is before the date of payment processing. Is determined to be the first use date after the closest hold date (Fig. 8, S701). Looking at the latest on-hold execution list 107, the on-hold result 74 is OK, the deposit of 10,000 yen, which is the same as the set on-hold amount, was executed, the force balance was 13,000 yen, and the final deposit The date is updated on June 26 (S705). The user information 106 is obtained by extracting the part updated in step S705. Subsequently, a payment message 25 is created (S706), and the payment processing ends. Deposit message 25 records that 10,000 yen was deposited to card number 0001. After step S3, the purchase processing shown in FIG. 9 is performed (S5). In step S5, withdrawal is performed because the force balance 63 is 13,000 yen and the purchase amount is 1,000 yen (Fig. 9, S801). The card balance 63 is reduced to 12,000 yen, and the last use date 67 is updated on June 26, 2002 (S802). The user information 107 is obtained by extracting a portion updated in step S802. After step S802, the withdrawal message 26 is created (S803), and the card number 0001 is 1, 0 It is recorded that there was a withdrawal of 00 yen. That's it for the operation on June 26. After the end of the business on June 26, the transaction settlement terminal 20 sends the deposit message 25 to the financial institution server 40 (S6). From the deposit message 25 transmitted in step S6, it is understood that the financial institution server 40 has deposited 10,000 yen in the electronic wallet corresponding to the password 0001. The financial institution server 4◦ has already updated the deposit account information 43 at the time of the hold processing, and uses the received deposit message for confirmation. Referring to FIG. 14, after step S6 is completed, the transaction settlement terminal 20 transmits the withdrawal message 26 to the financial institution server 40 (S7). From the withdrawal telegram 26 transmitted in step S7, the financial institution server 40 knows that the withdrawal of 1,000 yen has been made in the electronic wallet 10 corresponding to the password number 0001. Next, the financial institution server 40 updates the deposit account information 43 according to the received payment message 26 (S8). Withdrawal telegram 26 shows that the withdrawal of 1.0 ◦ 0 yen was made, and the pending balance 72 was reduced to 12,000 yen. The deposit account information 108 is extracted from the part updated in step S8.

In step S8, the card balance 63 in the electronic wallet 10 and the pending balance 72 in the financial institution server all match at 12,000 yen, and are synchronized. Subsequently, the purchase price is transferred to the store where the withdrawal was performed (S9). The information of the store where the withdrawal is made is not shown, but may be recorded in the withdrawal message 26 or may be transmitted separately from the withdrawal message.

After the accounting process is completed, the financial institution server 40 performs the hold process of FIG. 5 (S10). The execution date of the hold processing is June 26, not the hold date. The final reservation date 73 is from the deposit account information 105 to June 25, 2002. Since one month has not passed, the reservation is not carried out (FIG. 5, S102). The hold execution list 24 recording that the hold was not executed with the card number 000 1 is transmitted to the transaction area settlement terminal 20 (S106), and the hold processing ends.

The transaction settlement terminal 20 updates the hold execution list 24 (S I 1). In step S10, the pending result 74 is NG, which is reflected. The pending execution list 109 is a part that is updated in step S11.

This completes the post-operation processing on June 26 and ends the first payment example. According to the first payment example, if a hold is made on the hold date 64 set by the user, after the hold date 64, when the user first makes a payment with the The e-wallet card balance 63 will be increased for the wallet. This eliminates the need for the user to go to the electronic money management terminal and perform the payment procedure, and the payment is automatically performed simultaneously with the payment, which is convenient. By recording the fact that the last deposit was made, it is possible to prevent a deposit from being made multiple times by mistake. In addition, since the card balance will be increased based on the hold execution list obtained before the business day of the day, there is no need to connect online with financial institutions and electronic money companies to obtain approval for payment As a result, the payment procedure can be speeded up, and communication costs can be reduced.

(5) Second payment example

Next, a second payment example will be described. In the second example of deposit, the deposit is not held due to the shortage of the deposit account balance on the hold date, and when the user makes a payment at the Toriumi I settlement terminal the day after the hold, the deposit procedure is not performed, If the price of the electronic wallet is reduced, it will be reduced by the purchase price. After that, a deposit is made to the deposit account, and the deposit is held. As a result, the deposit procedure is performed when the user makes a payment using the transaction settlement terminal on the day after the holding date. In the second deposit example, the hold date is 25th of every month, the set hold amount is 100,000 yen, and the last deposit was made on May 26, 2002 The last time that electronic money was used was on June 23, 2002, and it was assumed that the loan function had not been set up. FIG. 15, FIG. 16, FIG. 17, and FIG. 18 are diagrams illustrating a second example of payment in the first embodiment of the present invention. The explanation will begin at the end of the business on June 25. Figure 15 shows the user information 110, the pending execution list 111, and the deposit account information 112 for the user Taro at the end of the business on June 25. I have. First, the financial institution server 40 performs the hold processing shown in FIG. 5 (S 1). The hold date is June 25, which is the hold date 64, so it is determined whether the deposit account balance exceeds the set hold amount (Figure 5, S103). However, since the deposit account balance is only 20 yen and does not exceed the set reservation amount, the reservation is not carried out. The hold execution list 24 in which the hold was not performed with the card number 001 is recorded is transmitted to the tori 1 settlement terminal 20 (S106), and the hold processing ends. The transaction settlement terminal 20 updates the hold execution list 24 (S2). In step S5, the update is completed by saving the received pending execution list. Here, the suspension has not been implemented, and there is no change from the suspension execution list 111 in particular. That's all for the processing after the end of the business on June 25.

During business hours on June 26, the user makes a payment at the transaction settlement terminal 20 to purchase a 1,000 yen item at the store (S3). The transaction settlement terminal 20 performs the deposit processing of FIG. 8 (S4). First, it is determined whether or not the payment processing date is the first use after the nearest hold date before the actual payment processing is performed (FIG. 8, S701). User information 12 is read, and the last use date 67 is June 23, 2002 and the reservation date 64 is 25 every month, so the payment processing date, June 26, 2002, is the payment processing Is considered the closest first use date before the implementation date. Subsequently, it is checked whether the suspension has been performed (S703). Looking at the pending execution list 111, the pending result is NG. Next, it is determined whether there is a lending function (S704). According to the user information 110, the lending function 68 is also “none” and has not been set, so that no payment is performed and the payment processing is terminated.

Subsequently, the processing moves to FIG. 16, and the tori ί settlement terminal 20 performs the purchase processing of FIG. 9 (S5). Since the card balance 63 is 3,000 yen and the purchase amount is 1,000 yen, withdrawal is performed (S801). The card balance 63 is reduced to 2,000 yen, and the last use date 67 is updated on June 26 (S802). The user information 118 is extracted from the part updated in step S802. Then, a withdrawal telegram 26 is created (S803). In the withdrawal message 26, it is recorded that there was a withdrawal of 1,000 yen with the card number 0001.

After the end of the business on June 26, the transaction settlement terminal 20 sends the withdrawal message 26 to the financial institution server 40 (S7).

The financial institution server 40 updates the deposit account information 43 according to the received payment message 26 (S8). From the converted withdrawal message 26, the financial institution server 40 knows that the withdrawal of 1,000 yen has been made with the force number 0001, and the pending balance 72 is reduced to 2,000 yen. The deposit account information 114 is obtained by extracting a portion updated in step S8. Then, purchase at the store where the withdrawal was carried out A transfer of the W200 price is performed (S9).

After step S9, the financial institution server 40 performs the hold processing of FIG. 5 (S10). The execution date of the hold processing is June 26, not the hold date. Since the last hold date 73 is May 26, 2002 from the deposit account information 117, and one month has elapsed, step S103 is performed to determine whether the hold is possible (Fig. 5, S102). However, the deposit account balance 71 remains at 20 yen, and is not held without exceeding the set hold amount of 65 (S103). The hold execution list 24 that records that the hold was not executed with the card number 0001 is transmitted to the Torigi I settlement terminal 20 (S106), and the hold processing ends.

The transaction settlement terminal 20 updates the hold execution list 24 (S11). This is the end of the processing after the end of the business on June 26.

Moving to Fig. 17, on June 27, 300,000 yen is deposited into the deposit account AO001 (S12). As shown in the deposit account information 115, the deposit account balance 71 is increased to 300,020 yen.

After the work described in June 27, the financial institution server 40 performs the hold processing shown in FIG. 5 (S13). The execution date of the hold processing is June 27, not the hold date, but the final hold date 73 is May 25, 2002, one month has passed. (Fig. 5, S102). The hold method is the difference, and the hold amount is the difference between the set hold amount of 10,000 yen and the hold balance of 2,000 yen, 8,000 yen. Since the deposit account balance 71 is 300,020 yen, which is larger than the reserved amount, the reservation is performed (S104). The savings account balance 71 is updated to 292,020 yen, the pending balance 72 is updated to 10,000 yen, and the last pending date 73 is updated to June 27 (S105). The deposit account information 116 is extracted from the part updated in step S105. Then, the hold execution list 24 recording that the hold has been executed with the card number 0001 is transmitted (S107), and the hold processing ends.

The transaction settlement terminal 20 updates the hold execution list 24 (S14). The suspension execution list 117 is an extracted part updated in step S14.

During the business on June 28, the user makes a payment at the transaction settlement terminal 20 to purchase a 1,000 yen item at the store (S15). Moving to Fig. 18, transaction settlement terminal 20 Performs the deposit processing of FIG. 8 (S16). Since the user information 1 10 and user information 1 13 indicate that the last use date 67 is June 26, 2002, and the hold date 64 is month 25, The implementation date, June 27, 2002, is not the first usage date after the nearest hold date before the date of the payment process (Figure 8, S701). Therefore, it is determined whether one month has passed since the last payment date 66 (S702). From the user information 110, the final payment date 66 is May 26, 2002, one month has passed, and it is determined whether or not the suspension has been performed (S703). From the hold execution list 1 17, the hold result of the card number 001 is OK, and payment is executed (S 705). The card balance 63 will be updated to 12,000 yen, and the last payment date 66 will be updated on June 28th. The user information 118 is a portion that can be updated in step S705. After step S705, a deposit message 25 is created. In the deposit message 25, it is recorded that the deposit of 100,000 yen has been made with the card number 001.

Subsequent purchase processing and post-operation processing are the same as steps S5 to S11 in the first payment example, and a description thereof will be omitted. This concludes the second payment example.

According to the second payment example, the deposit account balance 7 1 does not exceed the hold amount on the hold date 6 4 set by the user, and as a result, even if the hold is not executed, the deposit account balance 7 1 after the hold date becomes the hold amount If the number exceeds the limit, the card will automatically be put on hold, and the card balance 63 of the electronic wallet will be increased offline when payment is made at the store, and payment will be made. Deposits and transfers to deposit accounts can be made using a variety of means, such as ATMs, mobile terminals, and PCs, and it is easier for users to perform tasks than using electronic money. Is convenient.

(6) Third payment example

Next, a third payment example will be described. In the third payment example, the hold was not executed on the hold date, but the loan function was set up, and when the user made a payment to the Toriumi I payment terminal the next day, This is an example in which the amount of money in the wallet is increased by the reserved amount.

In the third payment example, the hold date is 25th of every month, the hold method is fixed, the set hold amount is 100,000 yen, and the last deposit was made in 2002 On May 26, the last time electronic money was used was June 23, 2002, when the loan function was set up. It is assumed that it is.

FIG. 19 and FIG. 20 are diagrams illustrating a third example of payment in the first embodiment of the present invention. The explanation will begin at the end of the business on June 25. Figure 19 shows the user information 119, the pending execution list 120, and the deposit account information 121 for the user Taroo at the end of the business on June 25.

First, the financial institution server 40 performs the hold processing of FIG. 5 (S1). The execution of the hold processing is on June 25, which is the hold, so the step S103 of determining whether the hold is possible is performed (FIG. 5, S101). However, since the balance of the deposit account is 20 yen and does not exceed the set reservation amount of 65, no reservation is made (S103). The hold execution list 24 that records that the hold was not executed with the card number 0001 is transmitted to the transaction settlement terminal 2.0 (S106), and the hold processing ends.

The transaction settlement terminal 20 updates the received hold execution list 24 (S2). Since the hold was not executed, there is no change from the hold execution list 120.

During the business on June 26, the user makes a payment at the transaction settlement terminal 20 in order to purchase an item of 1,000 yen at the store (S3). Moving to FIG. 20, the transaction settlement terminal 20 performs the deposit processing of FIG. 8 (S4). The hold date is 25th of every month and the last use date is June 23rd, so the payment processing date, June 26, 2002, is the first date after the nearest hold date before the payment processing date. It is determined that the reservation date 74 is OK (FIG. 8, S703). In the suspension execution list 120, since the suspension result is NG, it is determined whether or not the lending function 68 is set (S704). The loan function 68 of the user information 119 is “Yes”, and the loan function is set. Therefore, payment is made as a loan. The card balance of the electronic wallet is increased by 10,000 yen, which is the same as the reserved amount 65 (S705). The card balance 63 is updated to ¥ 13,000 and the last payment date 66 is updated on June 26. The user information 122 is extracted from the part updated in step S705. Then, the loan message 27 is created (S706). The loan message 27 records that the loan for 10,000 yen was made with card number 0001.

Subsequently, the transaction settlement terminal 20 performs the purchase processing of FIG. 9 (S5). The card balance 63 is 13,000 yen, the purchase price is 1,000 yen, and purchase is possible. There The card balance 63 is updated to ¥ 12,000, and the last use date 67 is updated to June 26 (Fig. 9, S802). The user information 1 2 3 is obtained by extracting portions updated in step S8-02.

After the end of the business on June 30, the transaction settlement terminal 20 transmits the loan message 27 (S17). The loan message 27 indicates that the financial institution server 40 has lent 100,000 yen to the electronic wallet 10 corresponding to the card number 001. The financial institution server 40 updates the deposit account information 43 based on the received loan message 27 (S18). The pending balance 72 is updated to ¥ 13,000 and the loan balance 70 is updated to ¥ 100,000. The deposit account information 124 is extracted from the part updated in step S18.

Subsequent processes after the end of the work are the same as steps S7 to S11 in the first embodiment, and a description thereof will be omitted.

This concludes the third payment example.

According to the third deposit example, if the user sets the loan function 68, even if the deposit account balance 7 The first time after payment is made with the Toriumi I payment terminal 20 after the nearest hold date, the e-wallet's outstanding balance 63 is increased as a loan. At this time, it is possible to perform processing offline without obtaining approval from an electronic money management company or financial institution online. Even if the deposit account balance 71 is insufficient, users can continue to use electronic money as usual, which is convenient for users. Also, once a loan is made, the loan will not be made until the next hold date 64 or one month has passed, so that excessive lending can be prevented.

In this embodiment, although not shown, a loan limit is set when a contract is made with an electronic money company, or a financial institution sets a loan limit, and the loan balance 76 exceeds the loan limit. It is desirable that loans be made to the extent that they do not exist.

In the present specification, the electronic wallet 10 is realized by an IC card, but may be realized by a mobile terminal having a function of storing the user information 12. In addition, although the financial institution is assumed to be realized by a bank, it can be realized by a credit card company. In that case, all payments may be processed as loans. Normally, a credit limit is set, so that when the loan balance 70 exceeds the credit limit, no hold is made. Once the withdrawal has taken place, the loan balance can be returned to zero.

[Possibility of industrial use]

As described above, according to the present invention, even in an offline environment where the user is not connected to a financial institution or an electronic money management company online at the time of deposit processing, the user can use the transaction settlement terminal to settle products and services. The amount of money in the e-wallet will be increased. In addition, it is possible to deposit electronic money using a tori-payment terminal installed in a store, etc., eliminating the need to install a separate terminal dedicated to depositing electronic money, and developing a deposit terminal. Installation and management costs can be reduced.

Claims

Claims: An electronic wallet in which a user can take an amount of money I can record, a transaction settlement terminal that enables a transaction based on the amount of money recorded in the electronic wallet, and the user A method for updating the amount data of an electronic wallet in an electronic money transaction system having a financial institution server for registering and managing a deposit account of

In the financial institution server, a predetermined amount of the user's deposit account balance is set as a reserved amount,

The electronic wallet according to claim 1, wherein, when a transaction is performed by the electronic wallet, the available amount is updated in the electronic wallet based on the set holding amount and the amount of the bow. How to update amount data.

In claim 1,

A method for updating the amount of money in an electronic wallet, wherein the hold amount set as a predetermined amount in the user's deposit account balance is an amount requested by the user to the financial institution server. .

In claim 2,

Further, the user can set a hold date for the financial institution server, and on the hold date, the hold amount is set on condition that the user's deposit account balance exceeds the hold amount. An electronic wallet amount update method characterized by the following.

In claim 2,

Further, in the financial institution server, the last hold date on which the hold was last performed is recorded, and after a predetermined date has elapsed from the last hold date, the user's deposit account balance exceeds the hold amount. A method for updating the amount of money in an electronic wallet, wherein the holding amount is set.

In claim 2,

The user can set a lending function for the electronic wallet, provided that the lending function is set, regardless of the user's deposit account balance, the predetermined amount is a reserved amount. Electronic wallet characterized by being set How to update amount data.

6. In Claim 1 or Claim 2,

Further, in the electronic wallet, the last payment date at which the amount of money was finally increased is recorded, and in the Torigi I settlement terminal, the hold is performed on the condition that a predetermined date has passed since the last payment date. A method for updating the amount of money in an electronic wallet, wherein the amount of use is updated and recorded based on the amount and the transaction amount.

7. In Claim 4,

Furthermore, in the electronic wallet, the last payment date on which the last update of the amount of money was updated is recorded, and in the transaction settlement terminal, the last payment date is before the last hold date. A method of updating the amount data of an electronic wallet, wherein the usage amount is updated and recorded based on a reserved amount and the bow I amount.

8. An electronic wallet that records the amount of money that can be taken by the user, a transaction settlement terminal that enables transactions based on the amount of money recorded in the electronic wallet, and a deposit account of the user In an electronic money transaction system with a financial institution server that registers and manages

The financial institution server sets a predetermined amount of the deposit account balance of the user as a hold amount,

The electronic settlement system according to claim 1, wherein the transaction settlement terminal updates and records an available amount in the electronic wallet based on the set holding amount and a tori I amount when a transaction is performed by the electronic wallet. Trading system.

9. In Claim 8,

Further, the transaction settlement terminal has a removable recording medium, and the electronic money transaction system has a bow I information collecting terminal for transmitting and receiving data on the recording medium collectively. Electronic money transaction system.

10. In claim 8,

An electronic money transaction system, wherein the reserved amount set as a predetermined amount in the user's deposit account balance is an amount requested by the user to the financial institution server.

1 1. In Claim 10, The electronic wallet has lending function data set by the user, and provided that the lending function is set, the financial institution server relates to the user's deposit account balance. An electronic money transaction system, wherein the predetermined amount is set as a reserve amount.

1 2. Claim 10

Further, the financial institution server has a hold date set by the user, and on the hold date, the user's deposit account balance exceeds the hold amount, and Electronic money transaction system characterized by setting.

1 3. In Claim 10,

Furthermore, the financial institution server has a final hold date last held on hold, and after a predetermined date has passed from the last hold date, the user's deposit account balance exceeds the hold amount. An electronic money transaction system, wherein the hold amount is set on condition of:

1 4. In Claim 8 or Claim 10,

Further, the electronic wallet has a final payment date last time in which the amount of money was last increased, and the transaction settlement terminal performs the hold on condition that a predetermined date has passed after the last payment date. An electronic money transaction system, wherein the usage amount is updated and recorded based on the amount and the transaction amount.

1 5. In Claim 13,

Further, the electronic wallet has last payment date data in which the amount of money is finally increased, and the transaction settlement terminal sets the reserved amount on condition that the final payment date is before the final reserved date. And an update record of the usage amount based on the transaction amount.

1 6. In Claim 1 or Claim 8,

The method according to claim 1, wherein the electronic wallet is a portable terminal or a mobile phone having an IC card, a communication function using infrared light or short-range wireless communication.