JP2000149137A - Electronic money transaction terminal equipment, electronic money transaction method and computer readable storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it impossible to pay not less than a prescribed amount at a terminal side at the time of electronic money transaction for performing payment by inserting an IC card into a terminal. SOLUTION: This electronic money transaction terminal equipment 6 can set the limit amount of payment by an IC card 1 by using an input part 9 and the set limit amount which is stored in a limit amount storage part 13. When the IC card 1 is inserted to execute transaction, a display part 10 gives a display for urging the input of a password to the user of the IC card 1 if a transaction amount exceeds the limit amount. When the password is inputted, it is compared with a password read from the IC card 1, and transaction is refused if they are different from each other.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic currency transaction terminal device, a method for electronic currency transaction, and a computer readable storage medium used in the electronic currency transaction terminal for performing business transactions in an electronic wallet system using an IC card.

[0002]

2. Description of the Related Art In recent years, a complete cashless transaction has been studied by an electronic wallet system using an IC card. The electronic wallet system is a system that can complete a transaction in electronic currency without using cash by writing amount information in a memory of an IC card and transmitting a necessary amount of payment from the IC card to a terminal device at the time of settlement. It is.

In a conventional electronic wallet system, when a payment exceeding the usage limit is received from an IC card, a transaction exceeding the usage limit is performed by referring to the usage limit provided on the card. In some cases, a payer who uses a password cannot enter the payment without entering the password of the IC card.

[0004]

However, in the case of an IC card for which a payment limit has not been set or an IC card having no payment limit, there is a problem that payment cannot be restricted. Was.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problem. In the case of conducting a transaction of a specific amount or more, an IC card in which a payment limit is not set or a configuration of a payment limit is provided. It is an object of the present invention to enable payment restriction even when an IC card which the user does not have is used.

[0006]

In order to achieve the above object, an electronic currency transaction terminal according to the present invention comprises:
There is provided setting means for setting a payment limit when receiving payment of electronic currency from an IC card.

Further, in the electronic currency transaction method according to the present invention, a payment limit is set when electronic currency is paid from the IC card.

Further, the storage medium according to the present invention stores a program for executing a process of setting a payment limit when receiving payment of an electronic currency from an IC card.

[0009]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a configuration of an electronic wallet system according to an embodiment of the present invention. In this embodiment, a payment limit can be set in the electronic currency transaction terminal device, and when the payment limit is exceeded, an IC
A feature is provided in which means for allowing a user of the card to input a password is provided.

In FIG. 1, 1 is an IC card, 6 is an IC
An electronic currency transaction terminal device using a card (hereinafter, abbreviated as a transaction terminal device). In IC card 1, 2
Is a password storage unit for storing password data of the IC card 1 such as face photograph data, 3 is an amount information storage unit for storing the balance of the electronic currency, 4 is an arithmetic processing unit, and 5 is a connection unit.

In the transaction terminal device 6, 7 is a card control unit, 8 is an IC card read / write unit, 9 is an input unit, 10 is a display unit, 11 is an arithmetic processing unit, 12 is a sales amount storage unit,
13 is a limit amount storage unit that stores a payment limit amount, 14 is a password input unit that allows the payer to enter a password,
Reference numeral 15 denotes a display unit for a payer.

FIG. 2 is a flowchart showing a process for setting a payment limit amount in the transaction terminal device 6. Step S
At 101, it is determined whether or not the limit amount key of the input unit 9 has been pressed.
The display prompting the user to input the payment limit amount in Step 2 is displayed on the display unit 10. When the payment limit is entered, step S1 is executed.
At 03, the limit amount is stored in the limit amount storage unit 13.

FIGS. 3 and 4 show that the user of the IC card 1 inputs a password when a transaction exceeding the payment limit set in the transaction terminal device 6 is made when the payment is made. It is a flowchart showing a process for this. After the user of the IC card 1 inserts the IC card 1 into the card insertion section of the transaction terminal device 6 in step S101, the transaction amount is inputted from the input section 9 in step S102, and in step S103, the transaction amount shown in FIG. The payment limit set in the processing is read from the limit storage unit 13 and compared with the transaction amount input in step S102. If the transaction amount is equal to or more than the limit amount, the process proceeds to step S104.

In step S104, a display prompting for a password is displayed on the payer display unit 15. Further, in step S105, the password is read from the password storage unit 2 of the IC card, and if the reading is successful, the process proceeds to step S106. Step S106
In step S107, the process waits for a password to be input from the password input unit 14, and if a password is input, the process proceeds to step S107.
Then, the password read from the password storage unit 2 is compared with the password input from the password input unit 14, and if they match, the process proceeds to step S108.

In step S108, the IC card 1
The balance of the IC card 1 is read from the amount information storage unit 3 of the IC card 1. In step S109, the transaction amount is compared with the balance. If the balance is equal to or greater than the transaction amount, step S110 is performed.
In, the settlement process is performed, and the process proceeds to step S111, where the IC card 1 is ejected, and the process ends.

In step S103, the payment limit set in the processing of FIG. 2 is read from the limit storage unit 13 and compared with the transaction amount input in step S102. Step S10
Move to 8. In step S105, the IC
If the reading of the password from the password storage unit 2 of the card 1 fails, the process is terminated.

In step S107, the password read from the password storage unit 2 of the IC card is compared with the password input from the password input unit 14, and if they do not match, payment by the user of the IC card 1 is made. Reject, that is, prohibit the transaction and end the process.

In step S109, the transaction amount is compared with the balance. If the balance is less than the transaction amount, in step S112, a shortage of balance is displayed on the display unit 10, and the process proceeds to step S111 to discharge the IC card 1. Then, the process ends.

Next, a storage medium according to another embodiment of the present invention will be described. When the present invention is configured by a computer system including a CPU and a memory, the memory configures a storage medium according to the present invention. That is, a storage medium storing a program code of software for executing the operation according to the flowcharts of FIGS. 2, 3 and 4 is used in a system or an apparatus, and the CPU of the system or apparatus stores the program stored in the storage medium. By reading and executing the code, the object of the present invention can be achieved.

Further, as the storage medium, ROM, R
Semiconductor memory such as AM, optical disk, magneto-optical disk,
A magnetic medium or the like may be used, and these may be configured and used in a CD-ROM, a floppy disk, a magnetic medium, a magnetic card, a nonvolatile memory card, or the like.

Therefore, by using this storage medium in a system or apparatus other than the system or apparatus shown in FIG. 1, the system or the computer reads out and executes the program code stored in the storage medium. A function equivalent to the above embodiment can be realized,
The same effect can be obtained, and the object of the present invention can be achieved.

An OS running on the computer
When performing part or all of the processing, or after the program code read from the storage medium is written to a memory provided in an extended function board or an extended function unit connected to the computer, Even when the CPU or the like provided in the extended function board or the extended function unit performs a part or all of the processing based on the instruction of the program code, the same functions as those of the above embodiment can be realized and the same effects can be obtained. Can be obtained, and the object of the present invention can be achieved.

[0023]

As described above, according to the present invention,
In commercial transactions in the electronic wallet system, even when an IC card for which a payment limit has not been set or an IC card having no payment limit configuration is used, it is possible to limit the amount of payment beyond a specified amount. .

In the case of a transaction exceeding the set payment limit, a password is entered,
The user of the IC card is confirmed, and if the password is different, the transaction can be rejected.

[Brief description of the drawings]

FIG. 1 is a block diagram of an electronic wallet application system according to an embodiment of the present invention.

FIG. 2 is a flowchart of a process for setting a payment limit.

FIG. 3 is a flowchart of a process in which a transaction terminal device performs a transaction.

FIG. 4 is a flowchart of a process in which a transaction terminal device performs a transaction.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 2 Password data storage part 3 Amount information storage part 4 Arithmetic processing part 5 Connection part 6 Electronic currency transaction terminal device 7 Card control part 8 Card reading / writing part 9 Input part 10 Display part 11 Arithmetic processing part 12 Sales amount storage part 13 Limit amount storage unit 14 Password input unit 15 Payer display unit

Claims (6)

[Claims] 1. An electronic currency transaction terminal device for receiving an electronic currency payment from an IC card, wherein an electronic currency transaction terminal device is provided with setting means for setting a payment limit. 2. A reading means for reading the password of the IC card; a display means for prompting the input of the password of the IC card when the transaction amount exceeds the set payment limit; and inputting the password. 2. The electronic currency transaction terminal device according to claim 1, further comprising an input unit for performing the transaction, and a prohibition unit for prohibiting the transaction when the input password does not match the read password. 3. An electronic currency transaction method, wherein a payment limit is set in an electronic currency transaction in which electronic currency payment is received from an IC card by an electronic currency transaction terminal device. 4. When the transaction amount exceeds the set payment limit, a message prompting the user to input a password of the IC card is displayed, and when the input password does not match the password read from the IC card, 4. The electronic currency transaction method according to claim 3, wherein the transaction is prohibited. 5. A computer-readable storage medium storing a program for executing a process of setting a payment limit when receiving an electronic currency payment from an IC card. 6. A process of reading a password of the IC card, a process of displaying a prompt for inputting a password of the IC card when a transaction amount exceeds the set payment limit, and a process of inputting a password. 6. A program for executing a process for prohibiting the transaction when the input password does not match the read password.
The computer-readable storage medium according to any one of the preceding claims.