JP3603944B2 - Sales or payment information management system - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The invention of the present application provides a member customer who has purchased a product or the like by a retail store or the like in order to promote the sale of a product or service (hereinafter referred to as a “product or the like”). Sales or settlement that centrally manages electronic value data that enables the member customer to use the prepaid amount paid in advance for the sale of data, products, etc. at any time for each account number of the member customer Related to information management systems.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, in a retail store or the like that sells or provides a product, a so-called stamp is issued to a customer who has purchased the product for the purpose of promoting sales and fixing the customer at a predetermined purchase price. And coupons are issued, and a predetermined service is provided to a customer who has collected a certain amount or more.
[0003]
Further, as another prior art, in consideration of the inconvenience of customers who had to bring back and organize the above stamps and coupons, predetermined points are given to customers for each fixed purchase amount, and Each point data is electronically converted by an ECR (electronic cash register device), a POS (Point of Sales) device or the like (hereinafter referred to as a “sales management terminal device”) or an in-store data central processing unit connected to these devices. A point management system that manages data as data has been proposed.
[0004]
Examples of such a point management system include a "point management system" described in Japanese Patent Application Laid-Open No. 6-295390 (hereinafter referred to as "Prior Art 1") and an "electronic value data" described in Japanese Patent Application Laid-Open No. 10-124754. An aggregation system "(hereinafter, referred to as" preceding example 2 ").
[0005]
In the prior example 1, even if the customer does not have a recording medium or a predetermined member magnetic card, the issue computer can issue and count the points, and the customer can know the point information when necessary. A point management system for managing points to be issued to a customer to provide a point service by a computer so that a system capable of providing points can be provided, and a point issuing means for issuing points according to a commercial transaction. And point calculation means for calculating the issued points and totalizing the points, point notification means for notifying the customer of the point information, and features for key input from a customer terminal or store terminal or for customer recognition Customer recognition means for obtaining the customer characteristic information obtained by inputting the information and identifying the customer, wherein the point notifying means conducts commercial transactions with the customer specified by the customer recognition means. Prior to disclose configured score management system to deliver a cumulative points information (FIGS. 1 and 2).
[0006]
On the other hand, in the preceding example 2, a member is connected to a network having a plurality of member stores terminals installed for each member store, and points corresponding to the sales amount when the member uses the member store are obtained points of the member. In order to configure a point tallying system, the member tally system with network function can be used as a terminal of the point tallying system by connecting the point tallying system to the network, and the member's sales amount at the member store is reduced. There is disclosed a point totaling system (FIG. 1) configured to add points according to the sales amount to point data of a member master file simply by transmitting the points from a member store terminal to data receiving means.
[0007]
In addition, a rewritable ID card such as a magnetic PET card capable of displaying the accumulated points is distributed to the members, and the ID card data is read and recorded by a terminal installed at the member store. A method of managing points by adding / subtracting points exchanged in a new transaction based on the accumulated points and rewriting the data of the ID card has been adopted. In this case, the data of the transfer of points is transferred from the merchant terminal to the point aggregation system in batches, and the data is used to manage the total number of issued points and analyze the status of the point accumulation of individual members. When a certain number or more of the points are accumulated for each member, a system in which commodities and premiums are given to the member is widely used.
[0008]
In addition, a prepayment is received from the member, and the electronic value data corresponding to the amount is stored in a magnetically rewritable ID card such as a magnetic PET card or an IC card, and is read by a member store terminal. By subtracting a predetermined amount from the electronic value data in consideration of the sale of goods and the provision of services, the payment processing data is used as a payment process by the electronic value data management system of the back from the member store terminal. The so-called "prepaid card" or "electronic money" system, which is transferred to a specific type of use such as a telephone card, or a general-purpose system that can be used at various member stores Widespread.
[0009]
[Problems to be solved by the invention]
The point data in the first and second prior art examples is electronic value data that has the same value as cash that can be used for purchasing merchandise and the like in a member store. However, since the electronic value data is stored and managed in the member master file constituting the point management system in the first and second examples, each member is stored in the member master file by communication access. If the current point data of the self being performed is not confirmed, it cannot be used.
[0010]
In the method of distributing an ID card having a memory means to each member, the point is given at the member store, but the point data recorded on the ID card is illegally rewritten although the member store terminal is used to give points. Because of the danger of being used at stores and the like, there is no widespread use of accumulated points at stores as well as cash. Therefore, each member needs to manage the points owned by both the member master file in the point management system at the rear and the ID card possessed by each member. In the case of performing processing such as payment using points, a method of inquiring the point management system in the rear by means of communication or the like is used, but it is extremely complicated and frequently uses points for a small amount. It is common to limit things institutionally.
[0011]
In addition, if management is to be performed by both, how to resolve the inconsistency in the stored point data of both parties, and that the data of the ID card is always genuine, is added to the member master file in the point management system. The issue is how to confirm without going to the inquiry every transaction.
[0012]
For this reason, electronic value data is originally used at stores, similar to cash, and although convenience is expanded, a certain number of prizes can be provided by management using a point management system in the rear, and gift certificates can be provided. In many cases, the service was exchanged for the service.
[0013]
In addition, if points are given at the store through the member store terminal and the point management system has only the function of accumulating the data of point transfer at the store, when purchasing products in industries or networks that do not have the store , It is difficult to give points.
[0014]
For this reason, it is safe to operate a common point system using a plurality of POSs at a plurality of member stores and to operate a point system using an ID card. Even if the amount is small at any time, it is necessary to carry out payment processing using points without communicating in real time, and for point-of-sale businesses and businesses that do not have stores such as mail-order sales, the point system is commonly used safely In order to operate electronic value data on the premise of operation, etc., it was not possible to realize operation while maintaining high security by the concept of the conventional point management system.
[0015]
Electronic value data is not a point, but a certain amount of money is received from the member in advance, the electronic value data corresponding to the amount is stored in the ID card, and the "prepaid card" Even in the case of "electronic money", the problems of the system as described above have not been solved, so that the problem of forgery or alteration of the card has been highlighted.
[0016]
In particular, sufficient security against the merchant's intentionally sending illegal data to the sales or settlement information management system, and the card owner illegally falsifying the card contents to gain profit Is an important issue.
[0017]
[Means for Solving the Problems]
The present invention has the above-mentioned conventional point management system. A sales or settlement information management system comprising a sales management system such as a plurality of POS systems at a plurality of member stores and an information management system for communicating with the sales management system. Wherein the information management system includes: a customer management unit that manages a customer ID code assigned to each member customer in order to identify a member customer who purchases a product or the like at the member member store; A data communication means for communicating with the sales management system at the member franchise and transmitting and receiving data relating to transactions with each member customer processed in the sales management system; and a database means, wherein the database means comprises: ECR or POS managed by each of the sales management systems for each customer account corresponding to the customer ID code Electronic value data relating to points and prepayment paid by the member customer by individual transactions etc. processed in the sales management terminal device such as a terminal device, and the electronic value data for each customer account corresponding to the customer ID code. In order to identify individual transactions pertaining to the update of the transaction, the transactions are rearranged in the order in which they were performed, such as consecutive integers, and a transaction number that can find duplicates and omissions, and a member who has processed the transaction pertaining to the transaction number A member store ID code for identifying the member store, A processing device ID code for specifying a sales management terminal device or the like that has processed the transaction related to the transaction number; , Remember, The sales management terminal device at the member franchise includes an IC card reading / writing device for reading an IC card or the like recorded with a customer ID code assigned to each individual member customer, and the IC card etc. The electronic value data and its cumulative value, the transaction number for each transaction, the member store ID code associated with the transaction number, and the terminal ID code of the sales management terminal device that processed the member store ID code are written. Accordingly, the information management system performs a security check on the electronic value data owned by each member customer and a settlement process thereof in a unified manner on behalf of each sales management system. The system is provided.
[0018]
As described above, in the sales or settlement information management system according to the present invention, not only electronic value data such as points corresponding to the ID code of each member customer, but also individual transactions relating to updating of the electronic value data are specified. Since a transaction number capable of detecting duplication or omission and a member store ID code for identifying a member member store that has processed the transaction related to the transaction number are managed and checked together with the electronic value data, the electronic value in the system is checked. Data security is effectively ensured.
[0021]
Further, a characteristic feature of the sales or settlement information management system according to the present invention is that the electronic value data is stored electronic value data corresponding to the customer ID code in the database means of the information management system and the IC card or the like. The two electronic value data are managed so as to be mutually transferable. This eliminates the need for the sales management system and information management system at each member store to be constantly connected online via a communication line, and also eliminates the need for bar codes printed on the card surface and The customer ID code recorded on the magnetic stripe or the like is read by each reader connected to the sales management terminal device, and the increase or decrease of the electronic value data generated in the transaction is obtained through the sales management system of the member member store that manages the information. By transmitting the data to the management system, it is possible to reflect it on the stored electronic value data. Even if the sales management terminal device in each member store does not necessarily have a read / write device such as an IC card, each member customer can receive the data. It enables the management of the electronic value data owned by the company. Further, the sales management system may include a loading device for transferring the deposit electronic value data and the card electronic value data to each other via a communication line.
[0022]
The sales management system has buffer storage means for temporarily accumulating and storing data relating to electronic value data relating to transactions within a certain period processed by the sales management terminal device under the jurisdiction, and the data relating to the accumulated electronic value data. Is a transaction number that can identify new transactions related to electronic value data and find duplicates or omissions, a member store ID code that identifies the member franchise that has processed the transactions related to the transaction number, and Is transmitted from the sales management system to the information management system via the communication line together with the terminal device ID code for specifying the sales management terminal device. The information management system centrally accumulates and monitors the transmitted information, so that it is possible to know whether the transition of the data recorded on the IC card or the like is being transmitted accurately. In addition, it is possible to easily detect the fraud of the member customer.
[0023]
The electronic value data handled by the present system includes points given and used by the sales management system at the time of purchase of a product at each member store, advance payment, change deposited at the time of purchase of the product, and the like.
[0024]
This information management system is intended for customers who do not have a nearby store that installs a loading device for transferring custody electronic value data and card electronic value data to each other via a communication line. A means is provided for issuing a certificate permitting transfer of the deposit electronic value data of the member customer to the card electronic value data of the member or another member in response to a request from the customer.
[0025]
Such transfer of the electronic value data is performed in such a manner that, for each customer account corresponding to the customer ID code for identifying the electronic value data, the transfer number is rearranged in the order in which the billing was performed, and a transfer number capable of detecting duplication and omission is provided. Strictly controlled. For this reason, the transfer number is stored in an IC card or the like owned by the member customer, and further transmitted from the sales management system that has processed the transfer transaction to the information management system, where the transfer number is accumulated and monitored. It is possible to detect and prevent unauthorized transfer of electronic value data.
The certificate is provided with an expiration date, and canceling a transfer request after the expiration date makes it possible to reduce the load on the information management system. Further, in order to simplify the input of the transfer information to the sales management terminal device, a barcode can be printed and the terminal device can read the barcode. Also, if necessary, the transfer information itself is encrypted so that it cannot be easily decrypted, and contrivance for preventing the transfer information from being forged or falsified is also made.
[0026]
The transfer of the stored electronic value data is performed by the reading / writing device such as the IC card connected to the sales management system, the loading device, the telephone device of the member customer connected via a public communication line such as a telephone line, or The processing is performed based on a request input to the information management system from the data processing means of the member customer connected via a predetermined communication network such as the Internet. This request input is performed in order to identify the member customer and confirm its validity, such as a customer ID code and a pre-registered personal identification code assigned to each member customer by the information management system, or a fingerprint, voiceprint, or signature. It is executed by confirming data such as biometric authentication data which can identify the user, and is managed by the transfer number, thereby enhancing security in transferring electronic value data.
[0027]
Together with the various measures described above, the electronic value data stored in the IC card or the like is encrypted and stored, thereby enhancing the security against unauthorized rewriting and unauthorized use of the electronic value data. Further, in this case, the information management device such as the POS does not have a function of encrypting or decrypting the electronic value data stored in the IC card or the like, and the independent encryption device reads / writes the IC card or the like. By realizing it by interposing it in a device and a POS or the like, it is possible to make it difficult to analyze the contents of the encryption / decryption processing. It is also possible to provide an IC card or the like with an encryption processing function. However, an independent encryption device is used to increase the cost of an IC card or the like issued in a very large amount and to increase the investment cost of the entire system. This is an effective means in terms of system cost. Further, even if the encryption processing method is leaked, it is possible to upgrade the version by switching functions in the encryption processing apparatus, and the security is maintained.
[0028]
In the cryptographic process, public key cryptography is used instead of common key cryptography, and the encrypted electronic value data and the public key that forms a set with the secret key used for the encryption are simultaneously mounted on an IC card or the like. Then, in another sales or settlement information management system having the encryption processing function, the off-line is made that the data of the IC card or the like is properly rewritten in the sales information processing system having the predetermined encryption function. A certification function can be provided, and the validity of data of an IC card or the like operated by many sales or settlement information management systems can be enhanced.
Furthermore, in order to identify the cryptographic processing device that has executed the process at the time of encryption, the public key of the cryptographic processing device is written as an ID of the cryptographic processing device together with electronic value data or the like on an IC card or the like, and By transmitting the information to the information management system, a storage area such as an IC card can be effectively used, and the security level can be improved.
[0029]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an example of a sales or settlement information management system according to the present invention will be described in detail with reference to the drawings.
[0030]
FIG. 1 illustrates an overall configuration of a sales or settlement information management system according to the present invention, taking a sales information management system as an example.
[0031]
The sales or settlement information management system according to the present invention comprises a plurality of different types of sales management systems (A to F in the figure) each having a PLU file for storing data such as the selling price of each product at a plurality of member member stores. And an information management system that communicates with the plurality of sales management systems. The plurality of sales management systems and the POS system under their control are easily compatible with the information management system of the present application even if they are completely different types of systems including their operating systems and data contents in PLU files. Can be connected to and operate cooperatively. This is because the information management system according to the present invention does not directly relate to the configuration and contents of the POS system of the sales management system in each member member store and does not restrict them.
[0032]
Each sales management system and the information management system normally transmit and receive data via a communication line such as a dedicated line or a public line, but via a data recording medium such as a magnetic tape, a floppy disk, a CD, or a magneto-optical disk. Data exchange may be performed. In the present invention, communication of data relating to transactions such as electronic value data to member customers by member franchisees does not necessarily have to be performed in real time between each sales management system and the information management system, and is not necessary within a certain period. This holds true even for batch communication processing of data stored in the. In the information management system of the present invention, as will be described in detail later, the electronic value data owned by each member customer is managed separately by depositing electronic value data and card electronic value data. This is due to the features of the present invention in which card electronic value data and the like are managed off-line by using a recording medium such as.
[0033]
Further, by using an IC card as the recording medium of the present invention, unauthorized duplication such as tampering and analysis of information can be made difficult, and security can be improved.
[0034]
The information management system that constitutes the invention of the present application performs the management of the electronic value data of each member customer and the associated data in place of various sales management systems in each member franchise, and the unification of the settlement processing therefor. Features. As shown in FIG. 1, in the present invention, it is the sales management system of the member franchise in which the member customer purchases the product or the like that exchanges the electronic value data with the member customer. It is not directly involved in the transfer of electronic value data. As a result, when points are used as an example of electronic value data, each member member store increases or decreases the point grant rate for the purchase price of the product or the like, and further, for each individual product or each purchase time zone. It is possible to maintain and demonstrate the flexibility and uniqueness of the point service provided by each member store.
[0035]
The information management system in the present application assigns a customer ID code for individually managing member customers to each member customer, and issues the IC card recording the customer ID code to the customer member. Each member customer presents his or her own IC card when purchasing a product or the like. The sales management device installed at the member member store reads the customer ID code of the customer recorded on the IC card, and the sales management system that supervises the sales management device transfers the sales management system of the store to the customer The data relating to the electronic value data is written to the IC card and transmitted to the information management system. The information management system centrally manages and supervises the electronic value data transmitted from each sales management system and the accompanying data for each customer ID code.
[0036]
As shown in FIG. 1, the information management system stores electronic value data and associated data stored in each customer account corresponding to a customer ID code in a form normalized in the form of a predetermined database. It has database means for storing and storing. As a data format, any of a relational (relational) data model, a hierarchical data model, and a network data model is established. However, in the present invention, as electronic value data for the same customer ID code, stored electronic value data and card electronic value data can be stored and managed as separate and independent data elements. The database means comprises a database control means and a database storage means. The database storage means is constituted by a secondary storage device such as a large-capacity magnetic disk or a magneto-optical disk for storing the data.
[0037]
The customer management means has a function of assigning a customer ID code (for example, a ten-digit number) to a desired member of a predetermined member application form to specify the member and issuing an IC card in which the ID code is recorded. . The customer management unit is connected to the database storage unit and the database control unit, and operates in cooperation with each other. The characteristics of the IC card issued to each member customer and the contents of data to be stored in the IC card will be described later.
[0038]
The database control means constitutes a database management system by controlling hardware devices and software constituting the information management system. The database management system includes a storage management function for managing a physical configuration of the database stored in the database means, an input / output management function for accessing the database, a buffer management function on main storage, and simultaneous access from a plurality of transactions. Control function to control the transaction, query processing function to optimize the query processing to the database, addition and modification function of customer information, transaction management function to manage completed transactions such as addition and subtraction of electronic value data And various functions such as a screen display function for easily accessing the database and an end user interface function for creating a report based on the access result. When the data is configured as a database based on a relational model, each process in the function is executed based on the SQL system.
[0039]
The information management system further includes data communication means for communicating with a plurality of external sales management systems. The data communication means is for mutually controlling transmission and reception of data in accordance with a predetermined communication protocol with a central control device constituting a sales management system in each member member store. In order to transmit and receive efficiently, a buffer storage unit for temporarily storing data is provided. In many cases, the external sales management system is directly connected to the external sales management system by a dedicated line, but may be connected to a digital communication public line. In this case, connection is made via a PBX (telephone exchange). The data communication with the sales management system having a small amount of data is not necessarily performed via a communication line, and may be performed by reading a portable storage medium such as a floppy disk or a magneto-optical disk sent. .
[0040]
Since the information management system, which is the center of the sales or settlement information management system, functions as member customer management and electronic value data management for each member, it needs the role of an information center. Therefore, the information management system according to the present invention includes a voice response device.
[0041]
As shown in FIG. 16, in the information center, an operator handles calls from members or non-members by a manned person, and a voice response device handles calls that can be handled unattended. The functions of the information center include processing of points from member customers, inquiries regarding electronic value data such as advance payments, and requests for transfer of the electronic value data to other member customers. In the case of a request accompanied by processing, a security check is performed by checking a pre-registered password, and then the processing is executed.
[0042]
The information management system of FIG. 1 can also have a function of receiving an order for telephone shopping or online shopping via the Internet or the like that a member customer receives from a data processing device such as a telephone device or a personal computer via a public line or the like. is there. In this case, for example, via the Internet, it is possible to set up its own home page on the Internet as an information management system, accept shopping orders, and furthermore, a mail-order catalog issued by a member merchant. It is also possible to accept a shopping order based on. In such a case, it is not necessary to perform the inquiry of the stored electronic value data, the addition processing of the stored electronic value data, or the subtraction processing of the used electronic value data based on the data reception from the sales management system of the member member store. Do directly without.
[0043]
By connecting an IC card reading / writing device to the data processing device, it is possible to perform an inquiry of card electronic value data, an addition / subtraction process associated with use of card electronic value data, and the like.
[0044]
The homepage of the information management system set up on the Internet also functions as an advertising medium that informs the general public of the system to non-members, lists member stores, stores of member stores, Provide a function to accept membership applications. An example of data content transmitted and received between the information management system and each sales management system will be described later.
[0045]
FIG. 2 shows an example of the overall configuration of a sales management system in a member member store. FIG. 2 is for explaining an example of a relatively large-scale sales management system, and has a plurality of stores (a to e stores), each of which has a plurality of units installed in the store. Equipped with an in-store processor (in-store control device) connected to a sales management terminal device (POS terminal device, etc.), and installed in, for example, an office center of a member member store that supervises these in-store processors. A central control unit transmits and receives data to and from the information management system. Therefore, in the case of a single store member, an in-store processor will be connected to the information management system.
[0046]
In a store of a member member store that is an actual purchase site of a product or the like by a customer, a plurality of sales management terminal devices connected to a bar code reader for reading a product code (bar code) attached to the product are installed. ing. Each of the plurality of sales management terminal devices accesses the in-store processor in the store for each registered scanning of the purchased product, acquires data such as the product name and price of the product, and displays the data on the display device. . The in-store processor includes a storage device that stores a PLU file that stores the product name, price, and the like for each product code handled in the store. The PLU file stores various data corresponding to the product code, such as the number of items in stock, the ordering supplier, the purchase price, the discount price for each time zone, etc., in addition to the product display name and sales price for each product code. I have.
[0047]
When electronic value data is used as points, when a member customer purchases a product or the like at a member member store, the store's sales management system stores a certain percentage of the total purchase amount in the IC card memory. The card electronic value data managed by the provided card electronic value data account is given as a card point. In addition, when a member customer receives a service such as a product using their own card points at the store, the number of points corresponding to the price of the product is deducted from the accumulated card point balance. Is performed. However, depending on the sales management system, the number of points to be given may be added to each product code in the PLU file. Furthermore, by storing the number of points to be deducted when the member customer receives a service such as a product at the store using the card points owned by the member customer for each product code in the PLU file, Points may be given or points may be used every time.
[0048]
As described above, in the sales or settlement information management system according to the present invention, the transfer of electronic value data to the member customer is performed directly between the member member store's sales management system and the member customer. Therefore, the information management system does not uniformly restrict the matters related to the exchange of electronic value data of the sales management system, and each member store must maintain and demonstrate the flexibility and uniqueness of the electronic value data service Is possible.
[0049]
As described above, the information management system according to the present invention receives the data relating to the electronic value data transferred between the member customer store and the member customer store from the member member store sales management system, checks the data, and checks the data. It is managed.
[0050]
FIG. 3 shows an example of a card used in the present invention. The card shown here is a so-called non-contact IC card that transmits and receives data to and from a read / write device via electromagnetic waves, and one side (A side) is used to visually characterize the card. The other side (Side B) is a bar code of the magnetic stripe unit 1 in which the customer ID code for specifying the member customer holding the card is recorded as a magnetic code, and the customer ID code 3 is converted into a bar code. The bar code 4 described in FIG. Further, a signature section 2 for signing by a member customer is provided on the surface. These magnetic stripe portion, bar code display portion, customer ID code portion, and signature column portion may be provided on any side of the card. It should be noted that a contact type IC card may be used as the IC card, and hereinafter, both are referred to as an IC card.
[0051]
FIG. 4 shows an example of a device configuration of a sales management terminal device in the sales management system. As shown in the figure, the sales management terminal device includes a CPU device, a random access memory device (RAM) for temporarily storing data and the like, and a read only memory device (ROM) for storing fixed data and fixed programs. A memory device, an I / O device for interfacing with various peripheral devices, and an indoor communication control device for connecting an in-store processor and an indoor communication line such as a LAN. And various peripheral devices connected thereto.
[0052]
Peripheral devices include a scanner (bar code reader) for optically reading a product code (bar code) attached to a product, a magnetic card reader for reading a magnetic code such as a magnetic card, a credit card, and the like. A key input device for inputting data to the management terminal device, a display device for customers and a display device for displaying the product name and price of the product, a drawer for storing cash, a description of the purchased product for the customer. And a receipt issuing printer for issuing a receipt on which information related to electronic value data is printed. The printer usually includes a journal printer for recording and storing the details of products handled by the sales management terminal device. However, the journal printer is not required in the case of a terminal device employing an electronic journal that stores journal records in the RAM or a magnetic storage device (not shown) such as a floppy disk.
[0053]
As shown in FIG. 4, it is desirable that the sales management terminal device constituting the present invention is equipped with an IC card reading / writing device as much as possible. As a result, transaction information on electronic value data generated by product transactions and the like can be reflected each time in the memory in the IC card issued to the member customers and possessed by each member customer. It is possible to grasp the latest information such as electronic value data owned by the user at the time when the purchase is completed. However, the sales or settlement information management system according to the invention of the present application is established even if all sales management terminal devices constituting the sales management system are not necessarily equipped with an IC card reading / writing device.
[0054]
The sales management terminal device often includes a scanner for reading a barcode of a purchased product. Further, a magnetic card reader for reading a magnetic card such as a credit card is often connected. Therefore, although the customer ID code is recorded in the memory of the IC card issued to each member customer by the information management system, the bar code and the magnetic code corresponding to the customer ID code are simultaneously written on the IC card. Or, if it is recorded, even if the sales management terminal device is not connected to the IC card reading / writing device, the member customer can be specified, and information relating to updating of electronic value data generated by a product transaction or the like can be obtained. Management is possible.
[0055]
Therefore, the bar code and the magnetic code corresponding to the customer ID code are simultaneously described and recorded on the IC card issued to each member customer by the information management system.
[0056]
By the way, as described above, in the sales or settlement information management system according to the present invention, even if not all sales management terminal devices constituting the sales management system are necessarily equipped with IC card reading / writing devices, The management system can manage the electronic value data information of each member customer. However, when a product or the like is purchased from a sales management terminal device to which the IC card reading / writing device is not connected, at that time, data relating to the electronic value data from the purchase of the product is recorded in the memory of the IC card. Not done. Further, in the present invention, even if data relating to electronic value data newly generated due to product purchase or the like is recorded in the memory of the IC card, the sales management system and the information management system in the store always operate via the communication line. Since there is no need to be connected, the electronic value data stored in the memory of the IC card and the electronic value data stored in the customer account corresponding to the customer ID code stored in the database of the information management system Are not always the same, and inconsistencies may arise between them.
[0057]
Therefore, in the sales or settlement information management system of the present invention, such electronic value data to be managed is compared with the stored electronic value data managed by the stored electronic value data account provided in the database means of the information management system. This problem is dealt with by dividing and managing the card electronic value data managed by a card electronic value data account provided in the memory of the IC card into two separate categories. Since the stored electronic value data and the card electronic value data are electronic value data that can be used by the same member customer through transactions of goods and the like, they are handled so that they can be mutually transferred at any time.
[0058]
Furthermore, by providing a mechanism for storing and monitoring the transition of card information such as card electronic value data in the database means of the information management system, whether card information such as card electronic value data is valid in the information management system. Can be confirmed, and follow-up can be performed in the event of an abnormality.
[0059]
FIG. 5 shows an example of an overall flow of electronic value data in the sales or settlement information management system. In FIG. 5, when a member customer purchases a product or the like at an A-member member store or a B-member member store in which an IC card reading / writing device is installed, the sales management terminal device of the store uses an IC card. The electronic value data transferred according to the transaction is accumulated in the memory of the IC card owned by the member customer using the read / write device, and is updated as the card electronic value data. The sales management system having jurisdiction over the sales management terminal device transmits card electronic value data to the information management system in real time or batch together with data relating to transaction information. In response to this, the information management system updates the electronic value data and the like in the database means in the information management system corresponding to the customer ID code of the customer.
[0060]
Next, when the same member customer purchases a product or the like at a C-member member store or a D-member member store where no IC card reading / writing device is installed, the sales management terminal device of the store becomes a magnetic member. The card reader or barcode reader recognizes the customer ID code by reading the magnetic stripe or barcode on the IC card possessed by the member customer and deposits with electronic value data according to the transaction amount etc. It is stored as electronic value data in a storage device (buffer storage means) in the sales management system of the store. Then, the sales management system transmits the deposit electronic value data provided to the information management system in real time or in batches together with the data relating to the transaction information. In response to this, the information management system updates the stored electronic value data and the like corresponding to the customer ID code of the customer.
[0061]
As a result, it is necessary to frequently transmit and receive data for each transaction such as a merchandise sales transaction and the like. The problem is being solved at the same time.
[0062]
FIG. 6 shows an example of a processing flow when reading an IC card in a sales management system including an IC card reading / writing device, and FIG. 7 shows a process when registering (scanning) a product when purchasing the product in the sales management system. FIG. 8 shows an example of a processing flow when writing card data to be changed generated as a result of purchase of a product from an IC card reading / writing device to an IC card.
6 to 8, I / P represents an in-store processor, POS represents a sales management terminal device, B / R represents a barcode reader, R / W represents an IC card reader / writer, and the like.
In FIG. 6, the sales management terminal device operates the IC card reading / writing device by (2) operating the card reading key for the (1) IC card placed at a predetermined place of the IC card reading / writing device. Send a read command to the After reading the card data in response to the read command, the IC card reading / writing device sends the card data to the sales management terminal device. The transmitted data is encrypted data or the like. (3) Next, the read data is sent to the in-store processor, (4) after being decoded, and (5) sent back to the sales management terminal device. (6) The sales management terminal device checks the customer ID code and the like and the expiration date stored in the IC card, and if there are no problems, (7) displays the current card electronic value data balance on the display. Will be done. In the expiration date check, it is checked whether or not a predetermined period (for example, within one year) has elapsed from the last use date, not from the issue date of the IC card.
[0063]
In FIG. 7, (8) a bar code representing a product code of a product purchased by a member customer is optically read by a bar code reading device connected to the sales management terminal. The sales management terminal device accesses the PLU file in the in-store processor every time the product code is read, and stores the product name (the product name displayed on the display and printed on the receipt) and the sales price related to the product code. Read and register. When the registration of all the purchased commodities is completed, the total amount is calculated and displayed on the display. (9) Payment method, for example, cash, payment from card electronic value data balance, payment by credit card, etc., are specified, and an amount corresponding to the payment method desired by the member customer is input from the key input device; (10) By pressing the confirmation key, the payment amount by each method is decided. (11) The total payment amount is displayed on the display, the change amount is displayed, and the payment settlement of the product purchase price is completed.
(12) Calculate card electronic value data to be updated according to the total payment amount for each transaction of the product purchase. If an upper limit has been set for the card electronic value data balance managed by the card electronic value data account, processing for transferring the excess to the electronic value data managed by the electronic value data account will be performed. . Alternatively, a process for not accepting any additional processing may be performed. As described above, the upper limit of the card electronic value data balance is set in the present system in order to prevent occurrence of unexpected damage of a certain amount or more to the member customer because these can be handled in the same manner as cash. is there.
[0064]
In FIG. 8, (13) a card write command is issued by operating a card write key in the sales management terminal device, and the calculated value is updated based on a transaction generated as a result of the product purchase. The electronic value data is transmitted to the in-store processor. (14) The in-store processor performs encryption processing on the card electronic value data and the like to be updated, and (15) returns it to the merchandise sales terminal device. (16) Further, the merchandise selling terminal device transmits the card data to the IC card reading / writing device. The IC card reading / writing device writes card electronic value data to be updated to the IC card based on the card write command. (17) After the card information is updated, the updated balance of the card electronic value data is displayed on the display, and (18) the receipt issued to the member customer is printed out by the merchandise sales terminal device.
[0065]
FIG. 9 shows a control flow when a terminal device such as a merchandise selling terminal device or a loading device equipped with an IC card reading / writing device processes an IC card.
[0066]
When the registration of the purchased product by the member customer is completed and the transaction processing of the product purchase by money transfer is completed (21), the data processing device uses the IC card reading / writing device to store the data in the IC card owned by the customer. The recorded information is read, and in the memory of the IC card, the card information such as “customer ID code”, “card electronic value data balance” such as point balance and prepayment balance, and the amount of purchase of the product related to the previous transaction are stored. At least the “revenue amount”, “member store ID code”, “transaction number”, and “terminal device ID code” are stored (22). It is checked whether the read “terminal device ID code” is a terminal device ID code for which handling is prohibited (23), and if it is related to the prohibition of handling, the handling of the card is stopped (24). If the terminal device ID code is not prohibited, the card information stored in the memory of the IC card is stored there (25), and the card information is updated to reflect the new transaction ( 26), and writes it to the memory of the card (27). Thus, the transaction processing such as the purchase of goods is completed (28).
[0067]
FIG. 10 shows a control flow relating to a transaction counter in the sales management system and the information management system when a transaction relating to updating of electronic value data occurs.
[0068]
The sales management system in the member store stores the product in the IC card when there is a transaction such as a product purchase by a member customer at a terminal device such as a product sales terminal device or a loading device under the jurisdiction of the system (31). The card information, that is, the “card electronic value data balance”, the “revenue and expenditure amount”, and the “member store ID code” are stored in the storage device of the user as previous information (32).
[0069]
Then, as the updated card information, the “transaction number” is incremented to “transaction number + 1”, the card electronic value data value received / received this time to “revenue and expenditure amount”, and “card electronic value data balance” + “ The balance is updated to the “card electronic value data balance”, and the “member store ID code” is updated to that of the member store related to the current transaction (33), and the transaction process is terminated (34). Then, the sales management system transmits all the transaction card data handled by all the merchandise sales terminal devices and the like managed by itself to the information management system in batch or online (35). The card information transmitted here includes at least “customer ID code”, “transaction number”, “card electronic value data balance”, “balance amount”, “member store ID code”, “previous card electronic value data balance”, The "previous collection amount" and the "previous member store ID code".
[0070]
On the other hand, the central information management system receives the card information transmitted from the sales management system of each member store (41), sorts it by customer ID code (42), (43). The transaction number is not duplicated for each customer ID code (44), but is continuous, and consistency between the data of the previous transaction number and the "previous data" of the number is found. If so, this is regarded as normal data (45) and normal processing is performed (46). If the transaction numbers are duplicated, the duplicate transaction data is extracted and abnormal processing is performed (49). Even if the transaction numbers are not consecutive, if a certain period has not elapsed from the date and time of the previous transaction (47), normal processing is performed assuming that the transaction data during that period has not been transmitted yet (46). If the transaction numbers are not consecutive and a certain period has elapsed since the date and time of the previous transaction, the “last member store ID code” in “transaction number + 1” of the discontinuous transaction is extracted (48). , Abnormal processing is performed (49).
[0071]
FIG. 11 shows an example of a receipt print content issued by the sales management terminal device in the sales management system.
[0072]
The printed content of the receipt issued by the sales management terminal device in this system to the member customer who purchased the product etc., together with the sales details such as the member member store name, store name, date and time, name of purchased product, amount, total amount etc. , Customer ID code, card electronic value data value newly given in this purchase, card electronic value data value used in this purchase, card electronic value data balance after settlement, electronic money transferred to deposit electronic value data account The value data value and the like are printed.
[0073]
FIG. 12 shows an example of a transition of data stored in the memory in the IC card when it is processed normally. As described with reference to FIG. 9, the memory in the IC card possessed by each member customer includes, for each transaction number, “card electronic value data balance”, “balance” “Amount”, “Member Store ID Code”, “Terminal Device ID Code”, “Balance of Previous Card Electronic Value Data”, “Previous Collection Payment”, and “Last Member Store ID Code” and “Last Terminal Device” The “ID code” changes as shown in FIG. 12 and is stored at the time of each transaction.
[0074]
FIG. 13 shows an example of data transmitted from the sales management system to the information management system.
[0075]
Indispensable data is transmitted from each sales management system to the information management system in order for the information management system to integrally manage the electronic value data of each member customer. These data may be transmitted not only by real-time transmission when a transaction occurs, but also by batch transmission at regular intervals, or by sending a recording medium such as a disk within a predetermined period as a condition in FIG.
[0076]
As shown in FIG. 13, the data to be transmitted or sent includes customer ID code, purchase date and time, member member store ID code and its store ID code, total purchase amount, payment method (cash, credit card, gift certificate, debit Card, prepaid card, point usage, etc.), card electronic value data balance, granted card electronic value data value and used card electronic value data value, granted electronic value data value, used electronic value data value, transaction number, etc. There is.
[0077]
FIG. 14 shows a flow for downloading the deposit electronic value data managed in the deposit electronic value data account to the card electronic value data account by direct mail or the like. This is because a member customer wants to transfer his / her deposit electronic value data to a card electronic value data account and use his / her own electronic value data when purchasing goods at a store, but the loading device is not nearby. It is possible to respond to cases.
[0078]
First, the member customer inputs a request for transferring the deposit electronic value data to the card electronic value data account to the information center of the information management system. The information management system checks the balance of the stored electronic value data of the member customer stored in the database means, and permits downloading as card electronic value data to the memory of the IC card owned by the member customer. Issue and send direct mail (DL certificate). The member customer receiving the DL certificate brings the DL certificate to the member member store and has the card electronic value data to be transferred added to the card electronic value data in the memory of the IC card.
[0079]
FIG. 15 shows an example of a control flow in the entire system for managing a DL certificate of electronic value data.
[0080]
A member customer who requests processing such as transferring custody electronic value data to a card electronic value data account is required to perform personal authentication in the information center of the information management system using necessary data such as his / her customer ID code, Request transfer (51). In the information management system, data relating to the customer ID code of the request is read from the database storage means, and the DL certificate is issued and sent to the member customer by mail or the like (52, 53). In the DL certificate, at least “DL electronic value data value”, “customer ID code”, “transfer number”, and “valid period” of the DL certificate are described as DL certificate information.
[0081]
The member customer who has received the DL certificate brings the DL certificate to the nearest member store with the IC card owned by the member customer (54). In this case, the "transfer number" is stored in the memory of the IC card together with the card information.
[0082]
When a member customer requests DL processing from a member customer (55), the member store first reads a customer ID code using an IC card reader / writer connected to a sales management terminal device or the like. If the read customer ID code does not match the customer ID code described in the DL certificate possessed by the customer (56), the download process is not performed as a DL process abnormality (60). Even if both customer ID codes match, the expiration date written on the DL certificate is earlier than the transaction date (57), or the transfer number is less than the count number recorded in the IC card. If there is any (58), the download is invalidated because the download has already been processed, and the download process is not performed (60). If the IC card and the customer ID code described in the DL certificate match, and the transfer number is greater than the count stored in the IC card within the expiration date described in the DL certificate Then, the download process starts (59).
[0083]
In the download process, the total value of the “card electronic value data balance” and the “DL electronic value data value” in the IC card up to the previous time is updated as the “card electronic value data balance” related to the current transaction, and the “DL electronic value data balance” is updated. "Value data value" is updated as the "revenue and expenditure amount" of the current transaction. Further, the member store ID code for processing the download is inserted into the “member store ID code” related to this transaction and updated, the “transaction number” is incremented, and the “transfer number” recorded in the DL certificate is It is updated as the “transfer number” for this transaction (59). Then, the sales management system transmits the card information related to the download processing to the central information management system (61).
[0084]
The information management system receives the updated card information relating to the download processing (62), sorts a series of data relating to the customer ID code (63, 64), and repeats and repeats the transfer number count. Is confirmed (65, 66). If there is no overlap and discontinuity, the DL management process is terminated (68, 69), and if discontinuity is confirmed, at that stage, the DL electronic value data value in the download process for the missing transfer number Is added to the stored electronic value data (67), and a processed check process is performed based on the transfer number (68). If they are consecutive without any duplication, it is determined that the processing has been performed normally, and a processing check based on the transfer number is performed (69). Further, if they overlap, an abnormal process is performed (70).
[0085]
FIG. 16 shows an example of the function of the information center in the information management system. The information management system according to the present invention has an information center in which an automatic telephone exchange (PBX) and a voice response device (IVR) are installed. As a result, the operator who responds to calls from members or non-members is handled by the operator, and the voice response device responds to calls that can be handled unattended. The functions of the information center include processes such as inquiries from members about electronic value data, requests to transfer electronic value data to other members, and requests for issuance of DL certificates. In the case of a request accompanied by processing, personal authentication is performed by confirming a pre-registered password, and then processing is executed.
[0086]
Further, the information management system according to the invention of the present application is an electronic management system such as a shopping order based on a mail order catalog issued by a member member store via a public line from a data processing device such as a telephone device or a personal computer owned by the member customer. Become a key base for commerce.
In addition, by distributing and installing a loading device such as an ATM widely, a member customer can move his / her electronic deposit data and card electronic value data at his / her desired time at any time. .
[0087]
Furthermore, in order to improve the security of the electronic value data of the IC card, an encryption device having an encryption and decryption function is prepared, and the IC card reading / writing device and the POS device are interposed to decrypt the IC card data. Read, encrypt and write. At that time, using a public key cryptosystem as an encryption system, the IC card is encrypted and data is written, and at the same time, a public key paired with the secret key is written into the IC card, so that the IC card is When processed at another store, the card data is decrypted with the public key stored on the card and compared with the plaintext data stored on the card, so that the card can be used as a valid encryption device. You can use it to check if it has been rewritten. Also, it is impossible for a person without a valid encryption device to illegally falsify the contents of the IC card.
[0088]
【The invention's effect】
As described above, in the sales or settlement information management system according to the present invention, not only electronic value data such as points corresponding to the ID code of each member customer but also individual transactions related to updating of the electronic value data are specified. Since the transaction number for performing the transaction and the member store ID code for identifying the member franchise that processed the transaction related to the transaction number are managed and checked together with the electronic value data, even if the transaction is offline, the system The security of the electronic value data in is effectively ensured. Furthermore, if the database means stores and manages a processing device ID code for specifying the sales management terminal device that has processed the transaction related to the transaction number, the electronic value data can be managed more reliably. .
[0089]
The effect of the present sales or settlement information management system is that the electronic value data is stored electronic value data corresponding to the customer ID code in the database means of the information management system and the card electronic value data stored in the IC card. , And the two electronic value data are managed so that they can be safely and mutually moved. This eliminates the need for the sales management system and the information management system at each member store to be constantly connected online via a communication line, and the sales management terminal device at each member store does not necessarily require an IC. Even without the card reading / writing device, it is possible to manage the electronic value data owned by each member customer.
[0090]
Further, the present information management system enables the transfer of the deposit electronic value data owned by the member customer to the card electronic value data of the member customer in response to a request from the member customer. The transfer of data is provided with a transfer ID number for identifying the transfer, and is strictly managed by this, so that the security of the transfer of the electronic value data is ensured even in the offline transaction.
[0091]
Together with the various measures described above, the electronic value data stored in the IC card is encrypted and stored by the public key encryption method, and the public key is stored at the same time, so that even if the transaction is offline, the electronic value data can be stored. The security measures against unauthorized rewriting and use of data were thorough.
[Brief description of the drawings]
FIG. 1 shows an example of the overall configuration of a sales or settlement information management system according to the present invention.
FIG. 2 shows an example of the overall configuration of a sales management system in a member member store.
FIG. 3 shows an example of the appearance of an IC card used in the present invention.
FIG. 4 shows a device configuration example of a sales management terminal device in the sales management system.
FIG. 5 shows an example of an overall flow of electronic value data in a sales or settlement information management system.
FIG. 6 shows an example of a processing flow when reading an IC card in a merchandise selling terminal device having an IC card reading / writing device.
FIG. 7 shows an example of a processing flow at the time of product registration at the time of product purchase in the product sales terminal device.
FIG. 8 shows an example of a processing flow when writing card data to be changed generated as a result of product purchase from an IC card reading / writing device to an IC card.
FIG. 9 shows an example of a control flow when the sales management terminal device processes an IC card.
FIG. 10 shows an example of a control flow relating to a transaction counter in the sales management system and the information management system when there is a transaction related to updating of electronic value data.
FIG. 11 shows an example of a receipt print content issued by a sales management terminal device in the sales management system.
FIG. 12 shows an example of data transition in a memory in an IC card.
FIG. 13 shows an example of data transmitted from the sales management system to the information management system.
FIG. 14 shows a flow of downloading electronic money value data from deposit electronic value data to card electronic value data by direct mail.
FIG. 15 shows an example of a control flow in the entire system for managing a download certificate of electronic value data.
FIG. 16 shows an example of the function of an information center in the information management system.

Claims (16)

A sales or settlement information management system, comprising: a sales management system such as a plurality of POS systems at a plurality of member member stores; and an information management system communicating with the sales management system,
The information management system includes:
Customer management means for managing a customer ID code assigned to each member customer in order to specify a member customer who purchases a product or the like at the member store, and communication with the sales management system at each member store Data communication means for transmitting and receiving data relating to transactions with each member customer processed in the sales management system, and a database means,
The database means,
For each customer account corresponding to the customer ID code, points and prepayments given and received by the member customer by individual transactions etc. processed in the sales management terminal device such as the ECR or POS terminal device managed by the respective sales management system Electronic value data on gold, etc.
For each customer account corresponding to the customer ID code, rearrange the order of transactions, such as consecutive integers, to identify individual transactions related to updating of the electronic value data, and find duplicates and omissions Transaction number
A member store ID code for identifying a member member store that has processed the transaction pertaining to the transaction number,
And a processing device ID code for specifying a sales management terminal device or the like that has processed the transaction related to the transaction number ,
The sales management terminal device at the member franchise includes an IC card reading / writing device for reading an IC card or the like recorded with a customer ID code assigned to each individual member customer, and the IC card etc. The electronic value data and its cumulative value, the transaction number for each transaction, the member store ID code associated with the transaction number, and the terminal device ID code of the sales management terminal device that processed the same are written,
Therefore, the information management system is characterized in that a security check on the electronic value data owned by each member customer and a settlement process thereof are centrally performed instead of each sales management system, and the sales or settlement information management system is characterized in that . 2. The sales or settlement information management system according to claim 1, wherein the IC card or the like further includes a magnetic code and / or a bar code for storing the customer ID code. The electronic value data owned by each member customer is stored electronic value data managed by a stored electronic value data account provided in a database means of the information management system, and a card provided in the IC card or the like. It is configured as a card electronic value data managed in an electronic value data account, the deposit electronic value data and the card electronic value data are configured to be transferable between each other,
Further, a mechanism for accumulating and monitoring the transition of card data such as card electronic value data is provided in the database means of the information management system so that the card data such as card electronic value data can be confirmed to be valid. Was
The sales or settlement information management system according to claim 1 , wherein: 4. The sales or settlement according to claim 3 , wherein the sales management system includes a loading device for mutually moving the deposit electronic value data and the card electronic value data via a communication line. 5. Information management system. The sales management system includes a buffer storage unit that temporarily accumulates and stores data related to the electronic value data relating to a transaction within a certain period processed by a sales management terminal device under the jurisdiction,
The data relating to the stored electronic value data includes electronic value data relating to the transaction and its cumulative value,
In order to identify a new transaction related to the electronic value data, as a continuous integer, rearranged in the order in which the transaction was performed, a transaction number in which duplication and omission can be found,
A member store ID code for identifying a member member store that has processed the transaction pertaining to the transaction number,
Further, the electronic value data transferred and received with respect to the transaction processed before the previous time using the IC card or the like, and the accumulated value thereof,
Along with the member store ID code for identifying the member member store that processed the previous transaction,
The sales or settlement information management system according to claim 4 , wherein the information is transmitted from the sales management system to the information management system via the communication line. The information management system includes means for issuing a certificate that permits transfer of the deposit electronic value data possessed by the member customer to the card electronic value data account of the member customer in response to a request from the member customer. ,
The read / write device such as the IC card connected to the sales management terminal device, when the transfer transaction of the electronic value data based on the certificate is processed,
The electronic value data newly transferred by the member customer in the transaction and the accumulated value thereof,
For specifying the transaction related to the electronic value data, for each customer account corresponding to the customer ID code, for specifying the transaction, as a continuous integer, rearranged in the order in which the transaction was performed, A transaction number where duplicates and omissions can be found,
A member store ID code for identifying a member member store that has processed the transaction pertaining to the transaction number,
For specifying the transfer transaction pertaining to the certificate, for each customer account corresponding to the customer ID code, rearranged in the order in which the requests were made, a transfer number that can find duplicates and omissions,
6. The sales or settlement information management system according to claim 5 , wherein The certificate includes expiration date information indicating a possible period of the transfer transaction,
The sales or settlement information management system according to claim 6 , wherein: The certificate is configured in such a manner that information related to the transfer, such as a barcode, can be easily input in the sales management terminal device.
8. The sales or settlement information management system according to claim 7 , wherein: The certificate includes information related to transfer, which is composed of cryptographic information that cannot be easily decrypted.
9. The sales or settlement information management system according to claim 8 , wherein: The sales management system has buffer storage means for temporarily storing and storing data relating to the electronic value data relating to transactions within a certain period of time processed by a sales management terminal device under its control,
Data related to the stored electronic value data,
The electronic value data newly transferred by the member customer in the transaction and the accumulated value thereof,
For each customer account corresponding to the customer ID code for identifying a new transaction relating to electronic value data, sort and repeat the transaction in the order in which transactions were performed, such as continuous integers for identifying the transaction. And a transaction number that can be found missing,
A member store ID code for identifying a member member store that has processed the transaction pertaining to the transaction number,
To specify the transfer number pertaining to the certificate, for each customer account corresponding to the customer ID code, sort in the order in which the claims were made, along with a transfer number that can find duplicates and omissions,
7. The sales or settlement information management system according to claim 6 , wherein the information is transmitted from the sales management system to the information management system via the communication line. The transfer of the stored electronic value data is performed by the reading / writing device such as the IC card connected to the sales management system, the loading device, the telephone device of the member customer connected via a public communication line such as a telephone line, or 7. The sales or settlement information management system according to claim 6 , wherein processing is performed based on a request input to said information management system from data processing means of a member customer connected via a predetermined communication network. The request input of the transfer of the electronic value data by the member customer is performed in order to identify the member customer and confirm its validity, in order to identify the member customer, the customer ID code assigned to each member customer by the information management system and a pre-registered password. The sales or settlement information management system according to claim 11 , wherein the system is executed by confirming a code or data that can identify an individual such as biometric authentication data. 2. The sales or claim according to claim 1, wherein the electronic value data stored in the IC card or the like is encrypted, and the sales management terminal device has means for encrypting and decrypting the electronic value data. Payment information management system. The electronic value data stored in the IC card or the like is encrypted, and the device that performs the encryption and decryption processing reads the IC card or the like, the sales management terminal device, or the IC card or the like. 14. The sales or settlement information management system according to claim 13 , wherein the writing / writing device, the loading device, and the like are configured as separate physically independent encryption devices. The electronic value data stored in the IC card or the like, the sales management terminal device, or encrypted data encrypted by a specific public key encryption method having a public key / encryption key set unique to the encryption device; 15. The sales or settlement information management system according to claim 14 , wherein the system comprises public key data that is set with an encryption key. 16. The sales or settlement information management system according to claim 15 , wherein the electronic value data stored in the IC card or the like uses public key data as a terminal device ID.

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