JP6547147B2 - Electronic money system and processing method thereof - Google Patents

Description

  The present invention relates to an electronic money system, and more particularly to a system for handling electronic money history information and a processing method thereof.

  With the spread of electronic money in recent years, various electronic money systems for handling various electronic money are known. For example, Patent Document 1 discloses an electronic money storage apparatus for storing and controlling a plurality of IC cards in an electronic money transaction system in which electronic money is exchanged between IC cards holding electronic money. Further, Patent Document 2 discloses an electronic money device having a storage device capable of arbitrary rewriting and writing on a telephone device for a mobile phone.

Japanese Patent Application Laid-Open No. 10-91739 JP 2000-175268 A Japanese Patent Application Laid-Open No. 10-162085 Unexamined-Japanese-Patent No. 11-143976

Kumamoto Gakuen University, "Money in the 21st Century-Digital Money-Chapter 1: What is Digital Money", [online], [Search on July 24, 2014], Internet, <URL = http: //www2.kumagaku.ac .jp / seminar / ~ st-sakai / zemi03 / e110 />

  Electronic money (digital money) is divided into an open loop type and a closed loop type according to the distribution form of electronic data. As described in Non-Patent Document 1, the open loop type is a type in which the used "value" is repeatedly used again for any third party, and is circulated from time to time. . The exchange of “value” between users can be freely performed without being notified to the issuer, and since the privacy of the user can be protected, it is functionally equivalent to “cash”. On the other hand, the closed loop type is a type that returns to the issuing organization each time “value” is used, and can not be reused. Therefore, it is easy for the issuing agency to grasp the use situation of “value”. However, once digital money is not returned to the issuing agency, it can not be used for another payment, so the cash function of transferability is lost. Also, compared with the open loop type, there is the advantage that the issuing authority can perform a sufficient security check, but depending on the method of the check, the privacy of the user may be violated, which is equivalent to cash. It is hard to say that

  Most of the electronic money in circulation is of the closed loop type, but it is expected that the spread of the open loop type electronic money that can be handled like cash is promoted in the future. However, in the open loop type, while privacy protection is maintained, technology development is required to prevent unauthorized use and crimes. Therefore, there has been proposed a system for tracking the distribution channel when unauthorized use of electronic money or the like is found. For example, Patent Document 3 discloses a technology capable of tracking the movement history of electronic money, and securing the privacy and anonymity of an individual by a combination of a public key and a secret key. Further, Patent Document 4 discloses a technology for securing privacy with a token-value mixed type electronic money.

  On the other hand, from the user's point of view, apart from privacy protection, in the case of a specific purpose, for example, in the case of taxes, donations, donations, donations etc., wanting to know the use of money paid and the whereabouts of money. There is. That is, there is a desire to "color money". Although it is not possible to color actual money, electronic money can be colored according to its transaction history.

  According to the techniques described in Patent Document 3 and Patent Document 4, the transaction history of electronic money is recorded in the center that supplies the electronic money card and the electronic money, but for the purpose of tracking at the time of unauthorized use It does not aim to disclose the transaction history to general users for the purpose described above. However, if the transaction history is included in the electronic money data itself with a unique identifier such as a bill, and the user who made the payment with the electronic money can view the transaction history, such desires (problems) Can respond to

  Therefore, in view of the above problems, it is an object of the present invention to provide an electronic money system capable of knowing the whereabouts of electronic money paid by oneself in electronic money that can be distributed among users.

The electronic money system of the present invention provides the following solutions.
An electronic money system for handling electronic money that can be distributed using an electronic money card or a portable terminal equipped with an electronic money function, wherein the electronic money data comprises an identifier unique to the electronic money data, and a monetary value of the electronic money The electronic money system includes an identifier of a payer of the electronic money and an identifier of a receiver of the electronic money in the transaction using the electronic money. And means for recording the history information of the electronic money data to the payer when the transaction of the electronic money satisfies a predetermined condition.

  The electronic money may be fixed value electronic money in which the value information is fixed, or variable value electronic money in which the value information fluctuates according to a transaction.

  Further, the predetermined condition is characterized in that the purpose of use of the electronic money is payment of tax, donation, donation, or gift.

  Further, when the electronic money is a variable value electronic money, means for dividing the variable value electronic money into a plurality of variable value electronic money, and / or a plurality of the variable value electronic money as one of the above It is characterized by comprising means for integrating into variable-value electronic money.

  Another aspect of the present invention is a method of processing electronic money that can be distributed using an electronic money card or a portable terminal provided with an electronic money function, wherein the electronic money data has an identifier unique to the electronic money data. An electronic money server for processing the electronic money transaction including the value information which is the monetary value of the electronic money, and the history information of the transaction using the electronic money; Recording the identifier of the payer of the transaction and the identifier of the recipient in the history information, and if the transaction of the electronic money satisfies a predetermined condition, the history information of the electronic money data is sent to the payer Notifying the history information to be notified.

  According to the present invention, it is an object of the present invention to provide an electronic money system which can know whereabouts of electronic money paid by oneself in electronic money which can be distributed among users.

It is a figure which shows the image of the electronic money wallet which concerns on embodiment of this invention. It is a figure for demonstrating the difference of the fixed value type and variable value type electronic money which concern on embodiment of this invention. It is a figure for demonstrating succession of the historical information of the variable value type electronic money concerning an embodiment of the present invention. It is a figure explaining division of variable value type electronic money concerning an embodiment of the present invention. It is a figure showing the functional composition of the electronic money system concerning a first embodiment of the present invention. It is a figure which shows the function structure of the electronic money system which concerns on 2nd embodiment of this invention. It is a figure which shows the main flow of the handling process of the electronic money which concerns on embodiment of this invention. It is a figure which shows the value transfer process of the electronic money which concerns on embodiment of this invention. It is a figure showing value integrated processing of electronic money concerning an embodiment of the present invention. It is a figure which shows the process of the log | history information notification means based on embodiment of this invention. It is a figure which shows an example of the log notification screen of the electronic money which concerns on embodiment of this invention.

  Hereinafter, with reference to the accompanying drawings, modes (hereinafter, embodiments) for carrying out the present invention will be described in detail. In the following drawings, the same elements are denoted by the same reference numerals or symbols throughout the description of the embodiments. Also, in the functional configuration diagram, arrows between functional blocks indicate the flow direction of data or the flow direction of processing. In the processing flow diagram (flow chart), the processing order of each step may be interchanged as long as the relationship between the input and the output of each step is not impaired.

(Electronic Money Wallet)
FIG. 1 is a view showing an image of an electronic money wallet (electronic wallet) according to an embodiment of the present invention. The electronic money handled by the electronic money system (hereinafter referred to as the present system) in the embodiment of the present invention is basically an open loop electronic money that can be distributed among users. At the time of issuance, a unique identifier of the electronic money data itself is added to the money data, and for each identifier, value information (monetary value) of the electronic money and transaction history information are added. That is, transaction information (distribution channel) of electronic money after the electronic money is issued is recorded as history information in the electronic money data, together with the monetary value of the electronic money itself. This record continues as long as electronic money is circulating. Therefore, it can be said that the electronic money of this system has a closed loop character in the sense that it can be traced, but it can be said that it has an open loop character in terms of circulation.

  The electronic money of this system will be described below. There are fixed value type and variable value type electronic money which this system handles. Fixed value electronic money is a type such as real bills and coins that can be transferred to others without changing the value determined at the time of issuance until the electronic money disappears. That is, the type is a fixed value. The transaction is completed simply by moving the electronic money data having "value" from the payer to the payee, but if "fishing" is necessary, cash or electronic money of value equivalent to fishing will be received. Further, the monetary value of the fixed value type electronic money may be set at 1 yen as the minimum unit according to the unit of the actual currency. That is, in the present system, transaction information can be traced in units of 1 yen.

  On the other hand, variable-value electronic money is a type in which the value (balance) determined at the time of issuance fluctuates in the course of transactions, and is close to the currently widely used chargeable IC card electronic money It is. The value of the variable value electronic money fluctuates from 0 yen to a predetermined upper limit. That is, if you withdraw using electronic money, the value will decrease by the amount paid, and if you receive payment or charge (payment), the value will increase. Therefore, you will not receive a "fishing".

  The electronic money wallet stores one or more electronic money data held by the user, and there are fixed value electronic money wallets and variable value electronic money wallets according to the stored electronic money. For example, in the fixed value type electronic money wallet illustrated in FIG. 1, 10,000 yen and 5,000 yen are "two sheets", "five sheets" of 1,000 yen, and 500 yen and 100 yen are "two sheets", 50 yen, Since "3 pieces" are stored in the wallet for 10 yen, 5 yen, and 1 yen, respectively, the owner of this wallet holds 36,398 yen in total. In addition, in the variable-value electronic money wallet, in principle, only one variable-value electronic money is stored. In the illustrated example, the owner of this wallet holds 12,345 yen, which is the balance of electronic money. Since one person can have multiple wallets, one can be used as a fixed value type and the other as a variable value type. Unlike real wallets, it is natural that you can have as many wallets.

  Note that the value of fixed-value electronic money does not have to be the same as the actual money unit. For example, "100,000 yen bill" or "50,000 yen bill" for high value transactions, and automatic It is also possible to freely generate "coins" such as "150 yen coin" and "130 yen coin" for small-amount fixed transactions frequently used in vending machines and the like.

  Also, although not described in the present specification, electronic money wallets are stored on a system with strong security, and only users who have received predetermined personal identification can use electronic money for spending, receiving, and value balances. You can browse. Further, it is needless to say that the electronic money data itself is also encrypted to prevent tampering and forgery.

  FIG. 2 is a diagram for explaining the difference between fixed value and variable electronic money. FIG. 2A shows a specific example of fixed value type electronic money data, and FIG. 2B shows a specific example of variable value type electronic money data. In both cases, the electronic money data has the world's only "electronic money ID" as an identifier, and includes "electronic money type", "value information", and "history information". "Electronic money type" is information indicating whether fixed value type or variable value type, "value information" is information indicating the monetary value of this electronic money, fixed in fixed value type, constant in variable value type It is the current balance (see Fig. 2 (b)). Since one variable-value electronic money can exist in one wallet, the electronic money ID of the variable-value electronic money matches the wallet ID. Therefore, the history information of the electronic money data also matches the history information of the wallet.

  “History information” is recorded from the time when electronic money is generated, and for both electronic money types, “transaction date”, “transaction activity”, “transaction content”, “payer identifier”, and “receiver identifier” Is recorded for each transaction (see FIG. 2 (a)). In the variable-value type history information, in addition to the above items, a “transaction amount” and a “balance” which is a value after a transaction are added (see FIG. 2B). The “transaction date and time” is the date and time when the transaction with the electronic money was made, and the “transaction activity” is the usage (purpose of use) of the electronic money. The "dealing act" mainly includes "issuance", "assignment", "exchange", "payment", "payment", and "invalidation", which will be described in order below.

  “Issuance” is an act of “purchasing” electronic money with cash, a credit card or the like, and means generation (birth) of electronic money. When electronic money is issued, an electronic money ID is assigned.

  "Transfer" is an act of transferring electronic money to another user. "Donate", "fundraising" and "gift" are equivalent to this. You may include "lending" which is the lending of money here. However, in the fixed value type electronic money, the purchase act involves the transfer of the electronic money, but this is a buying and selling act, so the purchase of goods or services (hereinafter referred to as goods etc.) is included in "payment" described later. I assume.

  "Exchange" is an act of exchanging electronic money for electronic money of another value. The fixed-value type electronic money has the same concept as real money "exchange". That is, it is an act of breaking a large sum of money into a small sum of money or the opposite action. It is also desirable to be able to exchange it with electronic money from other countries' currencies. The exchange from fixed value type to variable unit type or vice versa is also included in "exchange". However, in variable-value electronic money, the value constantly fluctuates, so there is no concept of "breaking money".

  "Payment" is an act of transferring electronic money as a price for goods and the like. In "Payment", the name of the purchased product or the like and other accompanying information are recorded as "transaction content" as much as possible. “Payment” includes “tax”, “gift”, “marketing of securities”, “debt”, “repayment” as special treatment according to the purpose of use other than “purchase” of general goods etc. And the like.

  In the "payer" and "receiver" of the history information, the identifier of the person who paid the electronic money and the person who received the electronic money (more precisely, the ID of the recipient's wallet or the recipient's wallet) It is recorded. Since the owner can be identified from the wallet ID, in the following figures, “payer” and “recipient” are indicated by their names (abbreviation) for easy understanding. Here, when the owner of the wallet is an individual, the name is usually not disclosed, but may be disclosed at the individual's request. In addition, when browsing history information, the user who made the wallet undisclosed is displayed as "■■■■" or the like.

  In addition, when the owner of the wallet is a legal person, usually the name is to be disclosed, but it may be undisclosed if desired by the legal person. That is, the owner of the wallet can choose to disclose or not disclose his or her wallet, regardless of the individual or the corporation, but the default value is that the individual is private and the corporation is public. is there. In addition, whether or not an individual or a corporation discloses the wallet can set disclosure conditions that define the conditions when disclosing the wallet. For example, it is possible to set not to disclose when the amount is less than or equal to the predetermined amount, not to disclose a transaction such as a specific commodity, and the like.

  In principle, information on all transactions is recorded in the history information of electronic money, but not all history information can be viewed. The personal name and other privacy related histories are basically non-public.

  "Payment" is an act indicating that payment has been received by electronic money, and corresponds to the act of "payment" viewed from the "recipient". In the variable-value electronic money, "payment" also includes payment from an automatic charge machine or the like, that is, "charge".

  "Invalidation" is an act of returning electronic money to real money (cashing), and at the same time, an act of invalidating electronic money data and extinguishing electronic money. However, when electronic money is invalidated, the monetary value is zero, but the history information is left for at least a fixed period.

  Further, as described later, since the history information itself may have a value, in this system, in such a case, the electronic money is "maintained" and the history information recorded in the electronic money is made semipermanently It can be stored. In order to perform the preservation process, the electronic money issuing entity (issuing organization) may collect the fee from the person who requested the preservation. In addition, electronic money itself including valuable historical information to be protected can be targeted for transactions. That is, it is possible to give new value to the electronic money which would otherwise disappear and be invalidated.

  Furthermore, as unique processing of this system, the concepts of "division" and "integration" of electronic money are provided. "Division" is to exchange one electronic money with two or more other electronic money. Also, "integration" is to exchange two or more electronic money with one electronic money. In fixed value electronic money, "division" and "integration" are synonymous with "exchange" (exchange), but variable electronic money will be described later.

  FIG. 3 is a diagram for explaining the inheritance of history information of variable value electronic money. In this example, it is assumed that "Taro" joins the electronic money system and charges 1,000 yen for the newly issued wallet 80A. After that, assuming that 500 yen is donated to the Japan UNF, which is engaged in refugee support activities, the balance of the wallet 80A is 500 yen. At this time, history information 801 is recorded in the wallet 80A. Since "Taro" can continue purchasing using the same wallet, history information will continue to increase thereafter. This is different from the case where the entire balance is used for donation as shown in FIG. 2 (b). In the case of FIG. 2 (b), it is considered that all the wallets have been transferred, but in the case of FIG. 3 (a), it is considered that only a part of the wallet is transferred while leaving the balance.

  On the other hand, assuming that the wallet of the “Japan UNF” that received the donation is 80D, history information 801 from the generation of the “Taro” in the wallet 80A to the donation is inherited to the wallet 80D. However, history information after donation of wallet 80A is not inherited. In addition, if "Hanako" generates wallet 80B and pays 1,000 yen to "Jiro" and then "Jiro" donates 500 yen to the same "Japan UNF", then "Hanako" is generated in wallet 80B The history information 802 from the payment to "Jiro" is temporarily taken over by the wallet 80C of "Jiro", and the history information 802 is taken over by the wallet 80D at the time of donation to "Japan UNF" of "Jiro".

  In addition, history information 803 in the “Jiro” wallet prior to receiving payment from “Hanako” is also inherited by the wallet 80D. In that case, it is not necessary to inherit all the history information of the wallet of "Jiro", it is sufficient to inherit the history from the closest deposit (charge of 2,000 yen in the figure) from the deposit of "Hanako". The history before the payment is considered to be unrelated to the payment from “Hanako”.

  In the case of “Japan UNF,” the fundraising will continue to be continued, and when the total amount reaches 50,000 yen, the entire wallet 80D will be converted to US $ 500 and transferred to an NGO in N country. The purchase of 10 simple water purifiers is recorded in history information. That is, "Taro" or "Jiro" can know how their donations are used. In addition, although the user who makes his / her wallet private is displayed as "■■■■" here, the user is notified of the whereabouts of the fund.

  Whether the wallet is public or private, historical information shall be inherited by the recipient's wallet. Actually, the history information is not copied to the recipient's wallet, but only the history information ID is linked. However, even if the wallet is not public, the data itself of the historical information exists, so in the case of unauthorized use or crime, it can be disclosed to the law enforcement authorities.

  By doing this, even in the case of variable-value electronic money, the history of electronic money can be recorded by the history information of the wallet. Note that electronic money does not disappear even if the balance becomes zero as in the state shown in the history information 804, but if the owner asks for it, the electronic money can be invalidated (extinguished) . Of course, it is possible to invalidate even if the balance remains. The balance at that time shall be cleared in cash. However, even if invalidated, the history information is not immediately erased, and valuable history information can generate new value if the maintenance procedure is performed as described above.

  FIG. 4 is a diagram showing division of variable value type electronic money data. As described above, in variable-value electronic money, one electronic money can be divided into two or more electronic money. The example in the figure shows that the variable value electronic money 810 having a value of 50,000 yen at the time of issuance is divided into 47,000 yen and 3,000 yen and then moved to a home appliance store and a fund collector. The electronic money 810 before division is invalidated.

  As illustrated, the electronic money ID after division may be a branch number of the ID of electronic money before division. The purpose of such division is to separate only the amount of electronic money paid for the purpose from the variable electronic money paid by oneself, such as taxes, donations and donations, so that one wants to know the usage It is. This is because variable-value-type electronic money only changes its balance when it is paid, and does not necessarily transfer electronic money itself as a price, unlike fixed-value-type electronic money.

  In the example of FIG. 4, about 47,000 yen paid for home appliance purchase, it is not necessary to know the use after that, but 3,000 yen of the donation is considered to want to know the subsequent use (indicated by reference numeral 813) It is from. Therefore, as described later, the ID (XXXXXXXXXXXX-02) of the electronic money 812 transferred for the donation can be designated as the electronic money history notification condition.

  The example of the history information of the electronic money shows the case where the name etc. which can specify an individual is not disclosed, but the corporate name etc. is disclosed excluding a part. A subscriber of this electronic money system can view electronic money history information with dedicated viewing software or a predetermined web page or the like. In this browsing, in the normal case, the individual is displayed as "individual" or "..". Of course, in the history information, an identifier that can identify an individual is recorded, but it is never disclosed to the public except in the case of criminal investigation by a public organization.

  For historical information on electronic money, this way from who, to whom, to whom, when, where, for what, whenever electronic money is used, ie, every time electronic money is transferred from the payer to the payee Record transaction information of crossing. Of course, not all transaction information can always be recorded, but such transaction information will continue to increase as long as the electronic money is circulating. To handle such a huge amount of data, make maximum use of Big Data technology. However, in order to avoid an infinite increase of data, the lower limit is set to the value (transaction amount) of the transaction that holds the history (for example, the history of small transaction such as less than 1,000 yen is not held) For example, history information past two to three years may be deleted or stored in another database unless it is involved in a criminal investigation. Further, electronic money whose amount of data is too large may be treated as "lifetime", and electronic money whose lifetime has expired may be once "collected".

  Although this system requires technologies for preventing forgery of electronic money and privacy protection of historical information, they shall use the most appropriate known technology at the time of implementation of this system and will not enter this specification. To be.

(Functional configuration of the first embodiment)
FIG. 5 is a diagram showing a functional configuration of the electronic money system according to the first embodiment of the present invention. The electronic money system according to this embodiment is a system for handling the above electronic money data, and as shown in the figure, the electronic money server 100 stores electronic money wallet 80 and electronic money data 90 for each user. A money wallet DB 101 is provided. The electronic money server 100 is a transaction information acquisition means 102 for acquiring transaction information between users of electronic money, and a payment means for performing settlement with the financial institution system 40 when purchasing electronic money or returning it to cash (cashing) 103, transaction execution means 110 for executing various transactions and processing of electronic money, history information search means 104 for searching history information of electronic money stored in electronic money wallet DB 101, and use of the retrieved history information It comprises history information notification means 105 for notifying in response to a request of a person, and history information maintenance means 106 for semi-permanently maintaining the history information.

  The transaction execution means 110 further comprises an electronic money issuing means 111, a value transfer means 112, a value dividing means 113, a value integration means, a value exchange means 115, and an electronic money invalidation means 116.

  Although FIG. 2 and FIG. 3 schematically show the electronic money data 90 in one data structure, the history information may be stored in another database linked to the electronic money ID. The system is operated by an industry group consisting of a government or local government institution, a financial institution, a partner company, etc. as well as an electronic money issuer.

  The transaction information acquisition means 102 acquires transaction information between users of electronic money via the electronic money transaction apparatus 30 and / or the electronic money portable terminal 20 of the users. The electronic money transaction apparatus 30 is typically an apparatus installed in a POS terminal or the like of a store, and is a card reader / writer that reads and writes necessary information on the electronic money card 10 and the electronic money mobile terminal 20 and electronic money at the terminal. is there.

  When a user uses electronic money, the electronic money portable terminal 20 (hereinafter referred to simply as a "mobile terminal") provided with an electronic money card 10 (hereinafter sometimes referred to simply as a "card") or an electronic money function Do it using). For example, in the case of shopping using the electronic money card 10, the card is flipped over to a cashier electronic money transaction apparatus 30 (hereinafter sometimes referred to simply as "transaction apparatus"), and the payment for goods is made.

  At this time, the electronic money transaction apparatus 30 has a communication means with the electronic money card 10, the electronic money portable terminal 20, and the electronic money server 100, reads card information from the card or the portable terminal, identifies the card identifier, Transaction information including an identifier, a payer identifier, a receiver identifier, a transaction amount, and an identifier of the transaction apparatus is transmitted to the transaction information acquisition means 102. The same is basically true when the user purchases a product or service (hereinafter referred to as a product or the like) using a portable terminal. Further, in the case of personal-to-personal transaction, it is possible to pay and receive electronic money, that is, transfer of value, between both mobile terminals. In this case, both the payer and the portable terminal of the payee directly communicate with the transaction information acquisition means 102 via the Internet to transmit transaction information to the electronic money server 100. In any case, the transaction information acquisition means 102 confirms the identifier of the payer and the payee (the wallet ID) and the authentication information thereof, and if it is confirmed that the user is a registered user of the present system, delivery of electronic money or other The processing is handed over to the transaction execution means 110 in order to execute the processing of If the card has a communication function and a user interface function, some transactions can be made between the cards.

  The history information search means 104 searches the electronic money wallet database 101 in response to a request from the user side, and transmits search result data to the user side. At this time, the user side can search history information using various search conditions.

  The history information notification means 105 provides a function of notifying the user of history information of electronic money in a "predetermined range" under "predetermined conditions" in response to a request of the user. The above history information search means 104 is used to specify the history information to be notified.

  The "predetermined condition" is satisfied, for example, when electronic money is used for the purpose of taxes, donations, donations, donations and the like. In this system, when the transaction acts that correspond to these, historical information on how the recipient used the electronic money that the payee subsequently received, in order to respond to the desire for the payer to know the usage and whereabouts Can be notified in the "predetermined range". The user requesting the notification may be the payer side, the recipient side, or a third party. On the side of the receiver, the above-mentioned history information search means 104 may be executed with the above-mentioned predetermined condition as a search condition in order to determine whether or not a notification is necessary for the paid electronic money.

  The "predetermined range" defines the range in which the history information is disclosed in this notification. That is, the history information has not been all disclosed retroactively, but the electronic money has moved from the payer to the recipient who has received the electronic money for the purpose of the above-mentioned predetermined conditions, and Limit the number of stages disclosed, such as the stage at which the electronic money has moved from another recipient to yet another recipient. In order to know how to use money such as donations paid by oneself, the number of stages to be disclosed is sufficient at about 2-3. As described above, the history information to be disclosed is limited to a specific transaction of electronic money and limited to several stages of transaction after the transaction, thereby achieving certain privacy protection. Note that electronic money after division and integration will also be disclosed. Of course, it is possible to disclose all historical information to law enforcement authorities after appropriate procedures.

  The history information storage unit 106 is a process that is called in response to a request from the user or a third party when the history information is to be stored semipermanently. The history information of electronic money has a fixed period (lifetime) (for example, 5 to 10 years) in order to avoid an infinite increase in the amount of data, and history data after the lifetime is erased sequentially, but "preservation" The stored history information is transferred to another maintenance database and can be stored semipermanently. In addition, the historical information storage means 106 can also be used for criminal evidence storage.

  The transaction execution unit 110 processes the electronic money issuance unit 111, the value transfer unit 112, the value division unit 113, the value integration unit 114, the value exchange unit 115, and the electronic money invalidation unit 116 according to the transaction activity and the transaction content. I'm divided.

  When the user newly purchases electronic money, the electronic money issuing means 111 is called, and the payment means 103 communicates with the financial institution system 40 to make payment procedures for the purchase price at that time. The purchase of the electronic money is made by cash (if the transaction apparatus can handle it), debit card, credit card, internet banking or the like.

  When the user purchases electronic money for the first time, the electronic money issuing unit 111 requests user registration, and when registration is completed, the wallet ID is newly generated. In the case of an existing user, the already generated wallet ID is read. Then, when it is confirmed that the settlement of the purchase of the new electronic money has been performed normally, the electronic money ID is generated, and the electronic money is recorded in which the amount corresponding to the purchase amount is recorded in the value information, and used In the person's wallet.

  When purchasing electronic money, the user can specify the type of electronic money to be purchased. In variable-value electronic money, one electronic money ID identical to the purchase amount is issued, but in fixed-value electronic money, it is also possible to specify a "denomination" of electronic money. For example, assuming that the purchase price is 50,000 yen, one "sheet" of 50,000 yen electronic money may be designated, five "sheets" of 10,000 yen electronic money, or 50 "sheets" of 1,000 yen electronic money. It may be designated as etc.

  The value transfer means 112 is a process that is called when making a payment with electronic money, that is, when moving the value corresponding to the payment amount from the electronic money in the payer's electronic money wallet to the recipient's wallet. In the fixed value type, the electronic money data itself is moved from the payer to the recipient's wallet like real money. In the variable value type, the payment amount is reduced from the value balance of the payer's electronic money, and the payment amount is added to the value balance of the recipient's electronic money.

  The value dividing means 113 is a process called when “dividing” one electronic money into two or more. In fixed unit money, "division" corresponds to real money exchange, but in variable unit money it is somewhat complicated. For example, it is assumed that the user holds 50,000 yen of variable value electronic money, 47,000 yen of which is to be used for purchasing electric appliances, and the remaining 3,000 yen is to be donated. In this case, electronic money of 50,000 yen can be divided in advance into 47,000 yen and 3,000 yen. This division can also be made at the time of payment for a product or the like to be purchased first. For example, if you purchase an electric appliance first for 47,000 yen, electronic money for 50,000 to 47,000 yen is divided and moved to a home appliance store, and electronic money for the remaining 3,000 yen is divided and remains at hand become. A new identifier is given to each of the divided electronic money, the history of division is recorded, and the history information before division is inherited in principle. Whether or not to divide is determined according to the user's request.

  Of course, if the recipient (in this case, the home appliance store and the fundraiser) holds variable-value electronic money, it is possible to make a purchase without such a split (this is more common). Is). In this case, the payment amount is reduced from the value balance of the payer's variable value electronic money, and the payment amount is added to the value balance of the payee's variable value electronic money.

  If you do not divide, in the case above, when the 3,000 yen donation is completed, the payer's wallet will remain variable-value electronic money with a value of zero, but it will be newly charged The electronic money becomes available again. In the case of division, the electronic money before division is invalidated (erased). This is to avoid unlimited growth of data. In addition, it is left to the judgment of the user whether or not to divide.

  The value integration means 114 is a process called when “integrating” two or more electronic money into one. In the case of fixed value electronic money, it corresponds to real money exchange, but in the variable unit type it is somewhat complicated. For example, when a recipient who has been paid with multiple electronic money uses the received electronic money to pay another recipient, he or she wants to avoid paying with that multiple electronic money. The payment procedure can be simplified by integrating the plurality of electronic money into one in advance. The integrated electronic money is given a new identifier, and the integration history is recorded. Moreover, the history information of the electronic money before integration is inherited to the electronic money after integration in principle, and the electronic money before integration is invalidated (erased). By providing the integration means in this way, especially in the fixed unit type, when the amount of electronic money stored in the wallet increases, etc., the number can be reduced, and management of the electronic money becomes easy. Whether to integrate or not is left to the decision of the user.

  The value exchange unit 115 is a process called when it is desired to exchange the value of electronic money with the value of another electronic money. For example, the currency of electronic money can be exchanged to a currency of another country at a predetermined exchange rate, or fixed value electronic money can be converted into variable value electronic money or vice versa. The value exchange means may be provided with point giving means for giving points as a privilege to the user, and point exchange means for exchanging the given points with electronic money at a predetermined rate.

  Although illustration is omitted, when electronic money is returned to one's wallet, that is, as a result of searching history information of electronic money in one's wallet, history information of electronic money used by oneself in the past exists In this case, the wallet may be provided with a means for giving points as a memorial from the electronic money issuing organization. In this case, the points may be determined according to the period required for the electronic money to return.

  The electronic money invalidation means 116 is a process called when it is desired to invalidate (vanish) electronic money. When the value of the electronic money is cashed, the electronic money invalidation means 116 is called, and the electronic money is automatically invalidated. In addition, the electronic money invalidation means 116 is also used to organize electronic money that will not be used in the future. However, it is desirable that the electronic money history information is not erased immediately after being invalidated, but is maintained for a predetermined period in preparation for tracking of crime, unauthorized use, and the like.

  The history information search unit 104, the history information notification unit 105, and the history information storage unit 106 can be accessed from the official website or the like without the transaction information acquisition unit 102.

(Functional Configuration of Second Embodiment)
FIG. 6 is a diagram showing a functional configuration of the electronic money system according to the second embodiment of the present invention. In the electronic money system according to the first embodiment, the user's wallet and the electronic money data are stored in the electronic money server 100. However, in the electronic money system according to the second embodiment, the centralized concentration of data is In order to avoid this, the wallet and the electronic money data are stored on the electronic money card 10A (hereinafter, simply referred to as a card) side or the electronic money portable terminal 20A (hereinafter, simply referred to as a terminal) side. Hereinafter, only portions different from the functional configuration of the first embodiment of FIG. 2 will be described.

  Similar to the first embodiment, the electronic money server 100A (hereinafter simply referred to as a server) performs processing such as issuing or invalidating electronic money that can only be performed by the server, but daily payment / receipt processing of electronic money The (value transfer) can be performed between the card or the terminal and the electronic money transaction apparatus 30A (hereinafter simply referred to as a transaction apparatus) or between the terminals. Therefore, in the second embodiment, the transaction apparatus side and the terminal side are provided with value transfer means. A wallet browsing means 118 for browsing data in the card or the wallet of the terminal is also provided on the transaction apparatus side and the terminal side. The history information can also be viewed accordingly.

  Since cards usually do not have a user interface function or a function to connect to a network, it is assumed that value transfer between cards or value transfer between cards and terminals is performed via a transaction apparatus. The trading device accesses the server only when the need arises. In the second embodiment, this can minimize server-side intervention in electronic money transactions.

  Also, it is assumed that only one wallet can be stored on the card side. Thus, the wallet ID matches the card ID. On the other hand, on the terminal side, a plurality of wallets can be stored. Therefore, it is also possible to use different wallets depending on the purpose. The card or terminal wallet can store either fixed value electronic money or variable value electronic money, but the number of electronic money that can be stored in one wallet due to the limitations of the storage capacity of the card or terminal. And limit the amount. Further, the history information of electronic money stored in the card side or the terminal side limits the storage period or limits the storage amount from the same restriction. For example, when the history information is stored on the card side, the storage period is a maximum of one year, and the storage amount is a maximum of 100 MB or the like. However, when storing on the terminal side, this restriction may be further relaxed.

  The history information exceeding the limit is not sequentially erased, but is preferably automatically or semi-automatically transferred to the large-capacity electronic money history information database 201 on the server side and stored for at least a fixed period of time. . Of course, it is also possible to view history information stored in the server. Even if the predetermined period of time has passed, the information on the electronic money can be stored semipermanently if the above-described maintenance procedure is performed.

  As described above, in the second embodiment, the processing request can be transmitted to the server and processed on the server side if the processing can not be performed only by the card, the terminal, or the transaction apparatus. Therefore, the terminal and the transaction apparatus are provided with processing request transmission means 119 for the server. The functions to be processed on the server side include issuance and invalidation of electronic money, storage of history information exceeding card and terminal limits, maintenance of history information, division, integration, and exchange of electronic money. In the case of fixed value electronic money, the terminal or the transaction apparatus may be able to perform part of the above processing.

  In addition, on the server side, in order to respond to processing requests from terminals and trading devices, processing request receiving means 202 for receiving processing requests to be performed by the server, and processing request execution for executing necessary processing based on the processing requests And means 210. The processing request execution means 210 includes history information storage means 211 for storing, in the electronic money history information database 201, history information exceeding the limit of the card or the terminal, and other means as illustrated. The history information search unit 104, the history information notification unit 105, and the history information storage unit 106 can also be accessed from the official homepage or the like without the processing request reception unit 202.

  In addition, as a method of electronic money classification, it is possible to install a special software on the computer side and separate it from a network type in which settlement is performed via the Internet and an IC card type in which the value of electronic money recorded on the card side is added and subtracted. Although the system of the first and second embodiments of the present invention is not suitable for such a classification method, it is a so-called hybrid type.

  The functional configuration of the electronic money system described above is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be collectively configured as one functional block. . In each function processing unit, a central processing unit (CPU) incorporated in the apparatus reads a computer program stored in a storage device such as a read only memory (ROM), a flash memory, a solid state drive (SSD), or a hard disk. , By a computer program executed by the CPU. That is, each function processing unit reads and writes necessary data such as a table from a database (DB) stored in a storage device or a storage area on a memory, and in some cases, the computer program It is realized by controlling hardware (for example, an input / output device, a display device, a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but also means a mere collection of tables and files, and the internal structure of the database itself is not limited.

(Processing flow)
The processing in the electronic money system will be described in more detail below. The processing flow is almost the same in the first and second embodiments, so the first embodiment will be described below unless otherwise specified.

  FIG. 7 is a diagram showing a main flow of electronic money handling processing. First, in step S11, the electronic money server 100 acquires transaction information of electronic money between users (information such as wallet ID of both, electronic money ID, transaction content, transaction amount, etc.). The electronic money transaction can be made by crossing the electronic money card 10 or the electronic money portable terminal 20 to the electronic money transaction apparatus 30 and making payment, or by exchanging the electronic money portable terminals 20 with each other between individuals. It is also established that communication is performed by near-field wireless communication of the terminal without passing through.

  Next, in step S12, the electronic money server 100 checks whether the transaction act included in the acquired transaction information is a new issue of electronic money. If it is a new issue, the process proceeds to step S13, and value settlement processing, that is, processing for performing purchase settlement of electronic money upon receiving payment with cash or the like corresponding to the value of electronic money is performed. When the settlement is completed (Y in step S14), an electronic money ID is generated, and the electronic money data is stored in the user's wallet. If the settlement is not completed normally (step S14: N), the process is ended as it is.

  If it is not a new issue of electronic money (step S12: N), it is checked in step S16 whether the existing electronic money is invalidated. In the case of invalidating, it may be considered to cash electronic money, combine multiple electronic money and extinguish the original electronic money, or may not want to distribute electronic money any more for some other reason. Be When invalidating (step S16: Y), it moves to step S17, cashes the value balance of electronic money, and if cashing is completed (step S18: Y), electronic money data is invalidated in step S19. . Specifically, the electronic money ID is set to an invalid flag, and the invalidated date is recorded.

  If it is neither a new issue nor an invalidation, the process moves to step S20, and value transfer processing of electronic money is performed. That is, the value of the electronic money corresponding to the transaction amount is moved from the pay source to the payee. The value transfer process will be described in more detail with reference to FIG.

  When the value transfer process is completed, finally, in step S21, the payer information, the payee information, the transaction behavior, and the transaction content are recorded along with the transaction date and time in the electronic money history information of the payer and the payee. Finish. At this time, when it is necessary to carry over the history, the information is copied. In the second embodiment, the value transfer process and the history information recording process can be performed on the user side of the card or the terminal or on the transaction apparatus side.

  FIG. 8 is a diagram showing value transfer processing of electronic money. This figure subdivides the process of step S20 of the previous figure.

  In the value transfer process of electronic money, first, in step S201, wallets of a pay source and a payee are extracted from transaction information. Next, in step S202, it is checked whether the electronic money is of variable value type. If it is the fixed value type, the process proceeds to step S203, where all the electronic money data is moved from the payment source wallet to the recipient wallet. If it is the variable value type, the process proceeds to step S204, and the payment value (transaction amount) is extracted from the transaction information. Then, in step S205, it is checked whether it is necessary to divide or integrate the payment source electronic money. The information to that effect shall be included in transaction information whether division or integration is necessary. When division or integration is not required (step S205: N), the value transfer process of step S206, that is, the payment value is reduced from the value of the payment source electronic money, and the value balance is paid to the value balance of the recipient electronic money Perform processing to add minutes.

  If division or integration is necessary (step S205: Y), the process proceeds to step S207 to further check whether the payment value exceeds the value of the payment source electronic money (the balance of the wallet). If the value is exceeded (step S207: Y), it is regarded as a target of integration processing, and the process proceeds to value integration processing of step S220. The integration process will be described with reference to FIG.

  If the payment value does not exceed the balance value of the payment source electronic money (step S207: N), in step S208, division processing of the payment source electronic money is performed. For example, assuming that the value of electronic money is 50,000 yen and the payment value is 47,000 yen, the original electronic money is divided into two, 47,000 yen and the remaining 3,000 yen. Then, in step S209, value transfer processing is performed in the same manner as the processing of S206, using one of the electronic money after division as a payment source. The remaining 3,000 yen of electronic money can also be used for other payments.

  When the value transfer process of step S206 or step S209 is completed, the process proceeds to step S210, and the history information of the electronic money of the payment source is handed over to the history information of the electronic money of the receiver. In fact, as already mentioned, the history information is not copied to the recipient's wallet, but only the history information ID is linked. Although not particularly illustrated, in the value transfer, a step may be provided in which the payment source and the payee can confirm the delivery purpose (transaction action) of the electronic money. For example, when trading with electronic money, both terminals may be made to display trading behavior for confirmation. In particular, in the transfer of electronic money between individuals, there are assumed problems such as that the payer side paid for the purpose of lending, but the receiving side received it as the one that was transferred (sent). .

  FIG. 9 is a diagram showing value integration processing of electronic money. This figure subdivides the process of step S220 of the previous figure. In value integration processing, first, in step S221, it is checked whether the electronic money before integration is of fixed value type or variable value type. In the case of the fixed value type, the process proceeds to step S222, and the selected electronic money data in the wallet is integrated (exchanged). In the case of the variable value type, the process proceeds to step S223, and it is confirmed whether or not integration with the payer's other wallet is to be performed. It is assumed that the information for this confirmation is included in the transaction information. If it can not be confirmed that integration is to be performed (step S223: N), nothing is done and the process returns to the caller. In this case, since no electronic money processing is performed, the history information is not recorded (step S21 in FIG. 7). It goes without saying that fixed value electronic money and variable value electronic money can not be integrated.

  If integration is to be performed (step S223: Y), in step S224, electronic money data is extracted from the other wallet of the payer, and integration is attempted. Then, it is checked whether the total value of the combined wallet is equal to or more than the payment value. When it does not become more than the payment value (step S225: N), it returns to S223 and confirms whether it integrates with another wallet. When this step is repeated, and the total value of the combined wallet is equal to or more than the payment value (step S223: Y), the combination is actually executed in step S226, and the value is transferred from the combined wallet as the payment source Do the processing. After the value transfer process ends, the history handover process of step S227 is performed to return to the main process.

  Although the main processing performed by the electronic money server 100 includes other processing (storage of history information, search of history information, maintenance of history information, etc.), it is obvious from the description already described, so it will be described here. Omit.

  FIG. 10 is a diagram showing the process of the history information notification means according to the embodiment of the present invention. The history information notification means 105 can transmit a notification according to the notification condition of the user, but this flow shows the procedure. First, in step S301, it is detected whether or not movement of electronic money has occurred, and if there is movement, the process moves to step S202, and it is determined whether the electronic money has reached a payee designated in advance by the user. If the designated payment destination has been reached, the process proceeds to step S304, and a notification to that effect is transmitted to the user terminal. If it has not passed to the designated payment destination, the process proceeds to step S303, and it is checked whether the electronic money has been moved a predetermined number of times (the movement number since the electronic money has been paid, usually 2-3 steps). If the mobile terminal has moved a predetermined number of times, a notification is sent to the user's terminal in step S304.

  By doing this, it is possible to confirm whether or not your donations and donations eventually reached the intended payee. When the electronic money has moved a predetermined number of times, the subsequent notification conditions are reset. However, when the predetermined payment destination conditions are specified, the notification conditions include the electronic payment to the designated payment destination. It is not reset until the money moves.

(Example of history information notification screen)
FIG. 11 is a diagram showing an example of the electronic money history notification screen according to the embodiment of the present invention. As described above, in the present system, when the predetermined condition is satisfied, electronic money history information can be disclosed to the purchaser or payer of electronic money (referred to as a purchaser or the like) within a predetermined range. The screen of FIG. 10 is a screen for notifying the purchaser etc. of the history of the electronic money. This screen may be notified to the electronic money portable terminal 20 such as a purchaser, or may be set to be displayed on another device such as a PC such as a purchaser or a tablet terminal.

  FIG. 11 shows an example in which the user who has purchased electronic money collects the entire amount. Here, it has been notified that the Japanese yen electronic money has been converted to US dollar electronic money, and after an appropriate route, it has been passed to an NGO in country X and has been allocated to the purchase of 10 simple water purifiers.

  The above notification screen is conscious that this system generates in response to the user's request, but the user who requests the notification may not necessarily be the payer, and the group that collects donations, donations, etc. The notification may be generated in response to the request of. By providing such a means of notification, the payer can then use the taxes, donations, donations, or gifts he / she has paid (such as a gift sent to a child or a grandchild, etc.). That is, we can know where the money is. In addition, organizations that collect donations and donations can communicate their gratitude to donors and donors, leading to increased new donations and donations. It also helps prevent fraud that pretends to be a donation or donation. Of course, it goes without saying that such notification means can also be used to track crime and fraudulent use by law enforcement agencies.

(Effect of the embodiment)
As described above, according to the embodiment of the present invention, since the electronic money data itself includes the transaction history information, it is possible to know the use (the way) of the electronic money paid by the user by viewing the history information. . Also, from the viewpoint of privacy protection, the history information can be viewed only to the person who originally purchased electronic money or the person who used it for payment. Further, the present invention can be limited to the case where the use of electronic money meets predetermined conditions such as taxes, donations, donations and gifts. Electronic money can use both variable-value types that can be handled like current chargeable IC electronic cards or fixed-value types that can be handled like real money. Further, in the case of variable-value-type electronic money, division and integration make it easier to manage electronic money and to receive notification of history information.

  Although the present invention has been described above using the embodiment, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiment. It will be apparent to those skilled in the art that various changes or modifications can be added to the above embodiment. It is also apparent from the scope of the claims that the embodiments added with such alterations or improvements can be included in the technical scope of the present invention.

10, 10A Electronic Money Card 20, 20A Electronic Money Mobile Terminal 30, 30A Electronic Money Trading Device 40 Financial Institution System 80 Electronic Money Wallet (Electronic Wallet)
90 electronic money data 100, 100A electronic money server 101 electronic money wallet database (electronic money wallet DB)
102 Transaction information acquisition means 103 Settlement means 104 History information search means 105 History information notification means 106 History information preservation means 110 Transaction execution means 111 Electronic money issue means 112 Value transfer means 113 Value division means 114 Value integration means 115 Value exchange means 116 Electronics Money invalidating means 118 wallet browsing means 119 processing request transmitting means 201 electronic money history information database (electronic money history information DB)
202 processing request receiving means 210 processing request executing means 211 history information storage means

Claims (4)

An electronic money system for handling electronic money that can be distributed using an electronic money card or a portable terminal having an electronic money function, comprising:
The electronic money data includes a unique identifier of the electronic money data, value information which is a monetary value of the electronic money, and history information of a transaction using the electronic money,
The electronic money system
A means for recording, in the history information, an attribute of an action related to the transaction, an identifier of a payer of the electronic money, and an identifier of a recipient in the transaction using the electronic money;
A means for notifying the payer of history information of the electronic money data when the transaction of the electronic money satisfies a predetermined condition;
Equipped with
The attributes of the act relating to the transaction, the payment of taxes, donations, fund-raising, and saw at least any one Tsuo含of the gift,
The predetermined condition is satisfied when the attribute of the act relating to the transaction is payment of tax, donation, donation, or gift,
The electronic money system according to the present invention, wherein the transaction history information is a history associated with a transaction of a recipient of electronic money.   The electronic money system according to claim 1, wherein the electronic money is fixed value electronic money in which the value information is fixed, or variable value electronic money in which the value information fluctuates according to a transaction. A unit for dividing the variable value electronic money into a plurality of variable value electronic moneys when the electronic money is a variable value electronic money, and / or a plurality of the variable value electronic money as one of the variable values The electronic money system according to any one of claims 1 to 2 , further comprising means for integrating into a type electronic money. A method of processing electronic money that can be distributed using an electronic money card or a portable terminal equipped with an electronic money function, comprising:
The electronic money data includes a unique identifier of the electronic money data, value information which is the monetary value of the electronic money, and history information of transactions using the electronic money,
An electronic money server for processing the electronic money transaction;
Recording an attribute of an action related to the transaction, an identifier of a payer of the transaction, and an identifier of a recipient in the history information at the time of the transaction using the electronic money;
Notifying the payer of the history information of notifying history information of the electronic money data when the transaction of the electronic money satisfies a predetermined condition;
Run
The attributes of the act relating to the transaction, the payment of taxes, donations, fund-raising, and saw at least any one Tsuo含of the gift,
The predetermined condition is satisfied when the attribute of the act relating to the transaction is payment of tax, donation, donation, or gift,
The transaction history information is a history associated with a transaction of a recipient of electronic money.