JP2010176227A - Electronic money settlement terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money settlement terminal for shortening a time to be spent until a user ends payment by electronic money, and for preventing an erroneous operation by the user. <P>SOLUTION: The electronic money settlement terminal includes: a storage part for storing an application program for electronic money settlement processing for each of the types of electronic money services; a polling processing part for successively starting a plurality of types of application programs, and for successively performing polling to an electronic money medium in which the electronic money is stored; a decision processing part for determining the application program from which a response has been made to the polling as an application program corresponding to the electronic money; and a settlement processing part for executing the application program determined by the determination processing part, and for rewriting balance information of the electronic money, and for performing the settlement by the electronic money. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an electronic money settlement terminal, and more particularly to an electronic money settlement terminal that performs settlement with electronic money by rewriting balance information of electronic money stored in an electronic money medium.

  Payment systems that use electronic money to pay for the purchase of products are becoming widespread. A user (hereinafter referred to as a “user”) using this payment system first pays a predetermined amount of cash to a provider providing a predetermined electronic money service, and the amount corresponding to the cash value. Electronic money is stored in a predetermined electronic money medium (for example, a mobile phone having an electronic money settlement function or a card incorporating an IC chip having an electronic money settlement function), and cash is converted into electronic money.

  In addition, in a payment system using electronic money, a payment system in which payments by electronic money are aggregated at regular intervals without being pre-paid by the user, and are collected in advance from a predetermined bank account. There is also a system in which payments made with electronic money are totaled for a certain period and collectively set for credit payment.

  Then, when the user of the electronic money settlement system purchases the product, the electronic money product is placed by holding the electronic money medium over a predetermined position of the electronic money settlement terminal connected to the settlement machine that reads the product price or the like. Check out.

  The electronic money settlement terminal rewrites the balance information of the electronic money stored in the electronic money with the balance information obtained by subtracting the amount corresponding to the commodity price read by the settlement machine from the current balance. Make a payment.

  According to such a system, the user does not need to take out cash from the wallet and hand it to the store clerk when paying for the product, and does not need to receive change from the store clerk. It is possible to save time and to smoothly settle the product price.

  In recent years, the number of businesses providing such electronic money services tends to increase. Each business operator causes an electronic money payment terminal to perform a payment process using electronic money, using its own application program.

  Therefore, in stores that intend to introduce payment processing using electronic money services provided by multiple types of business operators, there are as many electronic money payment terminals as there are electronic money services provided. This increases the amount of capital investment.

  As an electronic money payment terminal that suppresses the increase in capital investment, for example, Patent Document 1 discloses a storage unit that stores a plurality of payment processing programs each corresponding to one electronic money service, and an electronic money service used at the time of payment. There is disclosed an electronic money payment terminal that includes a selection unit that allows a user to select a payment processing program selected by an operation of the selection unit by a user and that causes a control unit to execute a payment process.

  According to this electronic money settlement terminal, it is possible to perform settlement processing using an electronic money service provided by a plurality of types of business operators, so that an increase in capital investment can be suppressed.

JP 2006-301780 A

  However, in order for the conventional electronic money payment terminal to execute the payment processing program, the selection operation or confirmation operation of the selection unit by the user or the store clerk (clerk) is necessary, so that one user pays out with electronic money. In addition to the time for the electronic money payment terminal to perform the payment process, it takes extra time for the user or the store clerk (person in charge) to operate the selection unit.

  In addition, since the user or the store clerk (clerk) must operate the selection unit in order to start execution of the settlement processing program, there is a possibility that an erroneous operation by the user or the clerk (clerk) may occur. However, if an incorrect operation is performed, further re-operation is necessary, so that in the time zone where the checkout process is crowded, the flow of other users waiting for the checkout order may be delayed.

  Therefore, the present invention provides an electronic money settlement terminal that can shorten the time required for the user to complete the settlement with electronic money and prevent an erroneous operation by the user or a store clerk (person in charge).

  Therefore, in the present invention according to claim 1, a storage unit that stores application programs for electronic money settlement processing for each type of electronic money service and a plurality of types of application programs stored in the storage unit are arranged in order. And a polling processing unit that sequentially polls the electronic money medium in which the electronic money is stored, and an application program that has responded to the polling by the polling processing unit is stored in the electronic money medium A determination processing unit for determining an application program corresponding to the electronic money being executed, and executing the application program determined by the determination processing unit to rewrite balance information of the electronic money stored in the electronic money medium By electronic money It was to provide an electronic money settlement terminal and a settlement processing unit that performs.

  Further, in the present invention according to claim 2, in the electronic money payment terminal according to claim 1, the history information storage unit that stores the history information of payment by the payment processing unit and the history information storage unit are stored. And an execution order determination unit that determines an execution order of application programs to be executed by the polling processing unit based on the history information.

  Further, in the present invention according to claim 3, in the electronic money payment terminal according to claim 2, the execution order determination unit is executed by the payment processing unit between a current time and a time before a predetermined period. The execution order of the application programs is determined so that the application programs are arranged in descending order.

  In the present invention, an electronic money settlement processing application program is stored for each type of electronic money service, and a plurality of types of application programs stored in the storage unit are started in order to Corresponding to the electronic money stored in the electronic money medium, the polling processing unit that sequentially polls the electronic money medium in which the information is stored, and the application program that responds to the polling by the polling processing unit A determination processing unit for determining that the application program is to be executed, and executing the application program determined by the determination processing unit to rewrite balance information of the electronic money stored in the electronic money medium, thereby allowing settlement by electronic money With the payment processor Therefore, the application program corresponding to the electronic money stored in the electronic money medium is automatically determined from the application programs stored in the electronic money payment terminal. By executing the application program, payment is made with electronic money, so that the user does not have to operate an electronic money payment terminal or the like when paying with electronic money. It is possible to reduce the time required to complete the operation and to prevent an erroneous operation by the user.

  Further, in the present invention, the electronic money payment terminal is configured to execute the polling process based on the history information storage unit that stores the history information of payment by the payment processing unit and the history information stored in the history information storage unit. And an execution order determination unit that determines the execution order of the application programs to be executed by the unit. For example, the application programs can be executed in the order of frequently used electronic money services. It is possible to shorten the processing time until the application program corresponding to the electronic money stored in the medium is determined, and further reduce the time required for the user to complete the settlement with the electronic money.

  Further, in the present invention, the execution order determination unit of the electronic money payment terminal is arranged such that the application program is executed in the order of the number of times executed by the payment processing unit between the current time and the time before the predetermined period. Since the program execution order is determined, application programs can be executed sequentially in the order of electronic money services that have been used frequently and are likely to be used in the future. The processing time until determining the application program corresponding to the electronic money stored in the electronic money medium can be further shortened, and the time required for the user to complete the settlement with the electronic money can be further reduced. can do.

  The electronic money settlement terminal according to the present embodiment is a device arranged in a cashier counter that settles the price of a product purchased by a customer at a store or the like, and pays in advance to a provider that provides an electronic money service. Electronic money stored in an electronic money medium by holding a medium (hereinafter referred to as “electronic money medium”) in which a valuable value equivalent to cash (hereinafter referred to as “electronic money”) is stored. It is a device that settles the settlement of the merchandise price with electronic money up to the balance of. Hereinafter, the user of electronic money will be referred to as a user. In the present embodiment, the case where the present invention is applied to a payment system that prepays cash used for electronic money payment will be described. Settlement of payments in a certain period, collect payments from a predetermined bank account, and collect payments in electronic money for each fixed period without the user paying in advance. The present invention can also be applied to a system that performs a set credit settlement.

  In particular, the electronic money payment terminal includes a storage unit that stores an application program for electronic money payment processing (hereinafter referred to as “app”) for each type of electronic money service, and a plurality of storage units stored in the storage unit. By sequentially starting the types of applications, there is a polling processing unit that sequentially polls the electronic money medium held at a predetermined position of the electronic money settlement terminal, and there is a response to polling by the polling processing unit A determination processing unit that determines an application as an application corresponding to electronic money stored in the electronic money medium, and an application determined by the determination processing unit is continuously executed to be stored in the electronic money medium. For the balance information related to the balance of electronic money, the product price that the user purchases from the balance corresponding to the balance information By rewriting the balance information indicating were minus balance, and a settlement processing unit which performs payment by electronic money.

  Therefore, according to this electronic money settlement terminal, if the user has an electronic money medium corresponding to an electronic money service corresponding to a plurality of types of applications stored in the storage unit of the electronic money settlement terminal, When paying for the product price, the electronic money payment terminal automatically determines the application corresponding to the electronic money stored in the electronic money medium simply by holding the electronic money medium over a predetermined position on the electronic money payment terminal. Thus, since the settlement process is executed, there is no need to perform an operation for selecting or determining the type of electronic money service to be used.

  As a result, in this electronic money settlement terminal, it is possible to reduce the time required for the user from the start to the end of the payment with the electronic money, and to prevent an erroneous operation by the user.

  In addition, the electronic money payment terminal includes a history information storage unit that stores history information of payment by the payment processing unit, and an application that is executed by the polling processing unit based on the history information stored in the history information storage unit. And an execution order determination unit that determines the order.

  Therefore, according to this electronic money payment terminal, based on the history information, it becomes possible to sequentially execute the applications corresponding to the electronic money service in the order of the electronic money service that has been used frequently by the user, When an electronic money medium of an electronic money service that is used relatively frequently is used, it is possible to determine an application corresponding to the electronic money stored in the electronic money medium without performing polling by all the applications. Therefore, it is possible to reduce the time taken to determine the application used for the settlement process, and further reduce the time required for the user to complete the settlement with electronic money.

  Further, the execution order determination unit of the electronic money payment terminal is configured to provide an application that is frequently executed by the payment processing unit between the current time and a time before a predetermined period when the electronic money medium is held over a predetermined position. The order of app execution is determined so that

  Therefore, according to this electronic money settlement terminal, when the usage rate of electronic money services that have been frequently used in the past has declined and the usage rate of other electronic money services has increased, the number of recent usages has increased. Since it is possible to perform polling sequentially by executing applications in the order of electronic money services that are likely to be used in the future, it is possible to reduce the number of unnecessary polling and determine application programs used for payment processing The time required for the user to complete the settlement with electronic money can be further reduced.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. In the following description, a mobile phone having an electronic money settlement function will be described as an example of an electronic money medium. However, the electronic money medium in the present invention is not limited to a mobile phone, and an electronic money settlement function is provided. Arbitrary electronic money media such as a card with a built-in IC chip can be applied.

  First, referring to FIG. 1, an electronic money settlement terminal from when a user holds a mobile phone over a predetermined position of an electronic money settlement terminal for settlement of a product price until the electronic money settlement terminal performs settlement with electronic money An operation flow of the mobile phone will be described. FIG. 1 is an explanatory diagram showing a flow of operations of the electronic money settlement terminal and the mobile phone according to the present embodiment.

  Here, the user's mobile phone corresponds to a single electronic money service (hereinafter referred to as “third service”), and the electronic money settlement terminal has three types of electronic money, ie, first to third services. A case where the service is supported will be described.

  As shown in FIG. 1, when the electronic money settlement terminal detects that the user holds the mobile phone over a predetermined position of the electronic money settlement terminal (1), the first service application is activated to the mobile phone. The first service response request is transmitted for polling (2). At this time, since the mobile phone is compatible with the third service, a response to polling is not transmitted to the electronic money settlement terminal.

  If the electronic money payment terminal does not receive a polling response related to the first service from the mobile phone even after a predetermined time has elapsed (3), the electronic money settlement terminal activates the second service application and sends a second service response request to the mobile phone. Transmit and poll (4). Again, since the mobile phone is compatible with the third service, it does not send a response to polling to the electronic money payment terminal.

  If the electronic money payment terminal does not receive a polling response related to the second service from the mobile phone even after a predetermined time has elapsed (5), the electronic money settlement terminal activates the third service application and sends a third service response request to the mobile phone. Transmit and poll (6). Here, since the mobile phone is compatible with the third service, it transmits a response to polling to the electronic money settlement terminal (7).

  When the electronic money settlement terminal receives a response to polling from the mobile phone (8), the third service application that responds to the polling is determined to be an app corresponding to the electronic money stored in the mobile phone. By continuously executing the determined third service application, the user purchases the balance information related to the balance of the electronic money of the third service stored in the mobile phone from the balance corresponding to the balance information. A rewrite signal for rewriting the balance information indicating the balance after deducting the commodity price is transmitted to the mobile phone (9).

  Thus, in the electronic money payment terminal according to the present embodiment, since the user holds the mobile phone over a predetermined position of the electronic money and does not require any operation by the user until the payment by the electronic money is completed, It is possible to settle the product price reliably and smoothly.

  Next, the configuration of the electronic money payment terminal according to the present embodiment will be described with reference to FIG. FIG. 2 is a functional block diagram showing configurations of electronic money and a mobile phone according to the present embodiment.

  First, the configuration of the mobile phone 2 will be described. As shown in FIG. 2, the mobile phone 2 includes an application storage unit 21, an application execution unit 22, and an electronic money storage unit 23. The application storage unit 21 is a non-volatile storage device such as a flash memory, and supports a plurality of functions provided in the mobile phone 2 such as a third service application 211, a mail application, and an Internet application. The stored app is stored.

  The application execution unit 22 includes an information processing device including a CPU (Central Processing Unit), a ROM (Read Only Memory), and a RAM (Random Access Memory). It is a processing unit that performs overall control of the entire operation of the mobile phone 2 by reading various programs and executing them using a RAM as a work area.

  In the present embodiment, when the application execution unit 22 receives a response request regarding the third service described later from the electronic money payment terminal 1, the application execution unit 22 transmits a response to the response request to the electronic money payment terminal 1.

  The electronic money storage unit 23 is a non-volatile storage device such as a flash memory, and stores valuable balance information 231 corresponding to the amount paid by the user to the provider providing the third service.

  Next, the configuration of the electronic money payment terminal 1 according to the present embodiment will be described. The electronic money payment terminal 1 includes a storage unit 10, a polling processing unit 11, a determination processing unit 12, a payment processing unit 13, and an execution order determination unit 14.

  2 is a POS (Point Of Sales system) terminal. The POS terminal 3 is a device that reads the price of the product from the product purchased by the user and outputs information indicating the price to the electronic money settlement terminal 1. In addition, the POS terminal 3 stores and manages merchandise sales information based on the settlement processing result input from the electronic money settlement terminal 1 and information manually entered by a predetermined clerk etc. from the customer. .

  The storage unit 10 includes a non-volatile storage device such as a flash memory, and stores a first service application 101, a second service application 102, and a third service application 103. The first service application 101 is an application that is executed to perform a payment process using electronic money stored in the mobile phone 2 corresponding to the first service. Similarly, the second service application 102 and the third service application 103 are applications that are executed to perform a payment process using electronic money stored in the mobile phone 2 corresponding to the second and third services, respectively. .

  The storage unit 10 includes a history information storage unit 104. In this history information storage unit, as the history information of the payment process by the user's electronic money, the user ID for identifying each user, the information indicating the type of electronic money service used by each user, and each payment process were performed Information indicating the date and time is stored.

  The polling processing unit 11 is a processing unit that polls the application execution unit 22 of the mobile phone 2 when it is detected that the mobile phone 2 is held over a predetermined position of the electronic money settlement terminal 1 by the user.

  The polling processing unit 11 includes a mobile phone detection unit 111, a response request transmission unit 112, and a response report reception unit 113. The mobile phone detection unit 111 includes a sensor that detects that the mobile phone 2 is held over a predetermined position of the electronic money settlement terminal 1 by a user. When the mobile phone 2 is detected, a detection signal indicating the detection result. Is output to the response request transmission unit 112.

  When the detection signal is input from the mobile phone detection unit 111, the response request transmission unit 112 issues an application read request to the execution order determination unit 14 and from the storage unit 10 via the execution order determination unit 14. It is a processing unit that sequentially transmits response requests to the application execution unit 22 of the mobile phone 2 to perform polling by sequentially reading and starting the first to third service applications 101 to 103. The response request transmission unit 112 starts an application corresponding to the next electronic money service and polls when a response to the response request is not received even after a predetermined time has elapsed since the response request was transmitted. I do.

  The response receiving unit 113 is a processing unit that receives a response transmitted from the mobile phone 2 in response to polling. When a response is received, the response receiving unit 113 outputs a reception result indicating that to the determination processing unit 12. The response receiving unit 113 also displays a reception result indicating that if a response to the response request has not been received even after a predetermined time has elapsed since the response request was transmitted from the response request transmitting unit 112. The response request transmission unit 112 outputs the response request.

  When the reception result is input from the response reception unit 113, the determination processing unit 12 stores, in the mobile phone 2, the application (here, the third service application 103) that has responded based on the reception result. It is determined that the application corresponds to the current electronic money, and the determination result is output to the settlement processing unit 13.

  The settlement processing unit 13 reads out and executes an application corresponding to the determination result input from the determination processing unit 12 (here, the third service application 103) from the storage unit 10, and performs a settlement process regarding the product purchased by the user. It is a processing part to perform. The settlement processing unit 13 reads the balance information 231 from the electronic money storage unit 23 of the mobile phone 2, and the value corresponding to the commodity price input from the POS terminal 3 from the balance corresponding to the read balance information 231. The balance information 231 indicating the balance obtained by subtracting the value is transmitted to the mobile phone 2, and the balance information 231 of the mobile phone 2 is rewritten to perform settlement with electronic money.

  The execution order determination unit 14 is a processing unit that determines the execution order of applications to be executed by the polling processing unit 11 based on the history information stored in the history information storage unit 104. The execution order determination unit 14 determines the number of times executed by the settlement processing unit 13 between the current time and a time before a predetermined period, when the time when the mobile phone detection unit 111 detects the mobile phone 2 is the current time. The execution order of applications is determined so that the order of many applications is the same.

  And when this execution order determination part 14 receives the read request | requirement of an application from the response request transmission part 112, it will be 1st-3rd service in the order determined based on the history information memorize | stored in the history information storage part 104. The applications 101 to 103 are sequentially read and output to the response request transmission unit 112. Note that the execution order determination unit 14 may determine the polling order from the one having a large number of executions based on the history information, and may set it in advance to meet the needs of the store.

  2 shows the functional configuration of the electronic money settlement terminal 1, the electronic money settlement terminal 1 physically includes an information processing device including a CPU, a ROM, and a RAM, a flash And a non-volatile storage device such as a memory.

  In the electronic money settlement terminal 1, the CPU reads out a predetermined program stored in the ROM and executes it using the RAM as a work area, whereby the polling processing unit 11, the determination processing unit 12, and the settlement processing are performed. Functions as the unit 13, the execution order determination unit 14, and the like.

  Here, processing executed by the CPU provided in the electronic money settlement terminal 1 according to the present embodiment will be described. FIG. 3 is a flowchart showing processing executed by the CPU provided in the electronic money settlement terminal 1 according to the present embodiment. The CPU of the electronic money settlement terminal 1 (hereinafter simply referred to as “CPU”) sequentially and repeatedly executes each process shown in FIG. 3 while the power is on.

  As shown in FIG. 3, when the power is turned on, the CPU first determines whether or not the mobile phone 2 has been detected, and if it is determined that the mobile phone 2 has been detected (step S101: Yes), The process moves to step S102. On the other hand, when determining that the mobile phone 2 is not detected (step S101: No), the CPU ends the process.

  In step S <b> 102, the CPU performs processing for determining the execution order of the first to third service applications 101 to 103, and then each application (first to third service applications 101 to 103) according to the determined execution order. Are sequentially executed to transmit a response request to the mobile phone 2 to perform polling (step S103).

  Subsequently, the CPU determines whether or not a response to polling (transmission of response request) has been received from the mobile phone 2 (step S104), and determines that the response has been received (step S104: Yes), processing To step S105. On the other hand, if the CPU determines that a response has not been received even after a predetermined time has elapsed since the response request was transmitted (step S104: No), the process proceeds to step S106.

  In step S105, the CPU performs a payment process with electronic money using the application that was being executed when the response was received, ends the process, and starts the process again from step S101.

  In step S106, the CPU activates the next-order application (any one of the first to third service applications 101 to 103) in the execution order of the application determined in step S102, and then performs the process. Move to S103.

  Next, a modified example of the electronic money settlement terminal 1 according to the present embodiment will be described. FIG. 4 is a functional block diagram showing a configuration of the electronic money settlement terminal 1a according to the modification. As shown in FIG. 4, the electronic money payment terminal 1a according to the present modification includes a balance shortage number determination unit 15 and a charge required state notification in addition to the constituent elements included in the electronic money payment terminal 1 shown in FIG. Unit 16 and a user information storage unit 105. In FIG. 4, the same components as those of the electronic money settlement terminal 1 shown in FIG. 2 are denoted by the same reference numerals, and detailed description thereof is omitted here.

  In the user information storage unit 105, for each user, balance shortage information indicating the date and time when the balance shortage occurred, the cumulative number of times the balance shortage occurred, and the like regarding the payment processing performed for the user's mobile phone 2 is stored. I remember it. The balance shortage information is reset every predetermined period (for example, one year).

  The shortage balance number determination unit 15 has a shortage of balance stored in the user information storage unit 105 when a shortage occurs in the balance of electronic money stored in the mobile phone 2 as a result of the payment processing by the payment processing unit 13. Update information.

  Further, the balance shortage determination unit 15 determines that the balance of electronic money stored in the mobile phone 2 is equal to or less than a predetermined threshold (for example, 500 yen) as a result of the payment processing by the payment processing unit 13. When the user information storage unit 105 is referred to and the number of times that the balance shortage has occurred during a predetermined period (for example, the last half year) of the user is greater than or equal to a predetermined threshold (for example, 3 times), that fact Is output to the required charge state notification unit 16.

  The charge required notification unit 16 is configured by a display device having a light emitting function, and the number of times that a shortage of balance has occurred during a predetermined period from the balance shortage number determination unit 15 is greater than or equal to a predetermined threshold. When the determination result is input, notification information indicating that the electronic money is in a charge required state is displayed on the display unit. Here, the charge is an act in which a user pays cash to a business operator who provides an electronic money service and converts the cash into electronic money.

  Next, processing executed by the CPU included in the electronic money settlement terminal 1a according to this modification will be described with reference to FIG. FIG. 5 is a flowchart showing processing executed by the CPU included in the electronic money settlement terminal 1a according to the present modification. Here, a description will be given of processing executed by the CPU (hereinafter simply referred to as “CPU”) of the electronic money payment terminal 1a according to the present modification when the payment processing unit 13 performs payment with electronic money. Since the CPU executes the same processing as the processing shown in FIG. 3 except for the processing shown in FIG. 5, the description thereof is omitted here.

  As shown in FIG. 5, when the payment process is performed, the CPU determines whether or not a shortage of electronic money balance has occurred in the payment process (step S201), and determines that a shortage of balance has occurred (step S201). Step S201: Yes), a process of updating the balance shortage information stored in the user information storage unit 105 is performed (step S205), and then the process ends.

  On the other hand, when the CPU determines that the balance shortage has not occurred (step S201: No), the CPU determines whether or not the balance of the electronic money stored in the mobile phone 2 is equal to or less than a predetermined threshold (step S201). S202) When it is determined that the balance is greater than the predetermined threshold (step S202: No), the process is terminated.

  In addition, when the CPU determines that the balance of the electronic money stored in the mobile phone 2 is equal to or less than a predetermined threshold (step S202: Yes), the number of times that a shortage of balance has occurred within the predetermined period for the user ( It is determined whether or not the number of balance shortages is equal to or greater than a predetermined threshold (step S203).

  If the CPU determines that the number of balance shortages is below a predetermined threshold (step S203: No), the CPU ends the process. On the other hand, when the CPU determines that the number of balance shortages is equal to or greater than a predetermined threshold (step S203: Yes), the CPU performs a process of notifying that the mobile phone 2 that has performed the current settlement process is in a charge required state (step S203). After that, the process is terminated.

  As described above, in the electronic money payment terminal 1a according to the present modification, when payment processing is performed, a predetermined number of times within a predetermined period with respect to the mobile phone 2 based on the history of past payment processing by the mobile phone 2. When the balance shortage has occurred, if the balance of the electronic money is below a predetermined threshold, the user of the mobile phone 2 is prompted to charge the electronic money in order to notify that the charge is required. it can.

  As a result, users who are often short of balance during the payment process will be charged with electronic money before the balance of electronic money is insufficient, so it is possible to suppress the occurrence of insufficient balance during the payment process, It is possible to suppress a delay in the settlement processing of other users waiting for the settlement of the merchandise price due to the occurrence of a shortage of balance.

  Further, in this electronic money settlement terminal 1a, even if the balance of the electronic money is equal to or less than a predetermined threshold, if the number of balance shortages within a predetermined period is less than the predetermined threshold, the charge required state Therefore, it is not unnecessary to notify the user of a low charge occurrence frequency to the charge required state.

  Further, in this modification, the case where the charge required state notification unit 16 is configured by a display device has been described as an example, but the charge required state notification unit 16 is not limited to the display device, and is in a charge required state. Any other device may be used as long as it can notify a predetermined user of the fact.

  For example, an e-mail function is provided in the charge required state notification unit 16, and the user information storage unit 105 stores the e-mail address of the user's mobile phone 2 that desires the notification, and notification of the charge required state is required. In such a case, an e-mail indicating that the electronic money is in a chargeable state may be transmitted to the mobile phone 2 of the user.

  In the present embodiment, it is the best mode that the number of types of electronic money set in the mobile phone 2 is one. However, even when the mobile phone 2 is set to support a plurality of types of electronic money, there is only one type of electronic money that matches the electronic money settlement terminal 1 side and the mobile phone 2 side. If possible, it can be handled.

  In addition, even if there is a plurality of types of electronic money that are matched on the electronic money settlement terminal 1 side and the mobile phone 2 side, the configuration telephone 2 side is set to be compatible with a plurality of types of electronic money. By setting the various conditions in advance, it is possible to settle with only one type. The terms and conditions here are, for example, those with a large balance among a plurality of types of electronic money, the order of electronic money set in advance by the user, and the electronic money set in advance by the store. The order is.

It is explanatory drawing which shows the flow of operation | movement of the electronic money payment terminal and mobile phone which concern on this embodiment. It is a functional block diagram which shows the structure etc. of the electronic money which concerns on this embodiment, and a mobile telephone. It is a flowchart which shows the process which CPU with which the electronic money payment terminal which concerns on this embodiment is provided performs. It is a functional block diagram which shows the structure of the electronic money payment terminal which concerns on a modification. It is a flowchart which shows the process which CPU with which the electronic money settlement terminal which concerns on a modification is provided.

DESCRIPTION OF SYMBOLS 1 Electronic money payment terminal 1a Electronic money payment terminal 10 Storage part 11 Polling process part 12 Judgment process part 13 Settlement process part 14 Execution order determination part 15 Balance shortage number determination part 2 Mobile phone 21 Application storage part 22 Application execution part 23 Electronic money Storage unit 3 POS terminal

Claims (3)

A storage unit storing application programs for electronic money settlement processing for each type of electronic money service;
A polling processing unit that sequentially activates a plurality of types of application programs stored in the storage unit and sequentially polls the electronic money medium in which the electronic money is stored;
A determination processing unit that determines an application program that has responded to polling by the polling processing unit as an application program corresponding to electronic money stored in the electronic money medium;
A payment processing unit that performs payment by electronic money by executing the application program determined by the determination processing unit and rewriting balance information of the electronic money stored in the electronic money medium. An electronic money payment terminal. A history information storage unit storing history information of payment by the payment processing unit;
The execution order determination unit that determines an execution order of application programs to be executed by the polling processing unit based on the history information stored in the history information storage unit. Electronic money payment terminal. The execution order determination unit includes:
3. The execution order of the application programs is determined so that the application programs are executed in the order of the number of times executed by the settlement processing unit between the present time and a time before a predetermined period. Electronic money payment terminal.

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