JPH10228515A - Electronic cash holding device - Google Patents

Abstract

(57) [Summary] [Problem] To prevent unlimited transfer of electronic cash from an electronic wallet even if a password is forcibly input by blackmail or the like. A plurality of electronic cash storage units (2, 7) are provided in an electronic wallet (1), and electronic cash can be transferred to another electronic wallet (9) only from a selected electronic cash storage unit in accordance with an input password. I have to.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic cash holding device such as an electronic wallet or an electronic safe for holding or transferring electronic cash, and more particularly to preventing transfer of electronic cash between electronic cash holding devices without restriction. Electronic cash holding device.

[0002]

2. Description of the Related Art In an electronic wallet that holds electronic cash issued by a bank or the like and makes it portable, a third party operates the electronic wallet without permission to transfer the electronic cash held in the electronic wallet. In order to prevent use, that is, transfer to another electronic cash holding device, set a PIN that only the owner of the electronic wallet knows beforehand, and only when the password is correctly entered, Electronic cash transfer was possible.

[0003]

However, in such security measures, robbery blackmails the owner of the electronic wallet,
By connecting the owner's e-wallet and the robbery's e-wallet so that the e-cash can be exchanged, and forcing the owner to enter the password of the e-wallet, the e-cash of the owner's e-wallet All can be transferred to a robber's e-wallet, and if the e-wallet owner is blackmailed, the PIN becomes useless.

[0004] Therefore, an object of the present invention is to minimize the transfer amount of electronic cash even if the owner of the electronic wallet encounters the above case and is forced to input a password.

[0005]

According to a first aspect of the present invention, there is provided an electronic cash holding apparatus comprising a plurality of electronic cash storage means, wherein a specific password is selected from a plurality of electronic cash storage means in response to a predetermined password input. Means for transferring electronic cash from an electronic cash storage means to an external electronic cash receiving means. Thereby, the upper limit of the electronic cash transferred to the external electronic cash holding device, the selected electronic cash storage means,
The amount of electronic cash stored in advance can be limited.

[0006] Here, the electronic cash represents the value of money or securities as electronic data.

An electronic cash holding device is a medium for holding electronic cash, and corresponds to a portable wallet or a stationary safe that holds money.

[0008] Here, transferring electronic cash means transferring the value stored in the electronic cash storage means to an external electronic cash receiving means. The electronic cash accepting means is means for receiving the value of electronic cash to be transferred. In an actual cash transaction, transfer corresponds to payment, receipt, exchange, and the like.

Here, there may be a plurality of electronic cash storage means physically, or there is only one electronic cash storage means, in which a storage area is virtually divided. May be.

Further, the predetermined password may be input from a target electronic cash holding device, or may be input from another electronic cash holding device having external electronic cash receiving means.

Further, the electronic cash holding device according to claim 2 is the device according to claim 1, wherein a predetermined password is input to the password input device, and after the electronic cash is transferred, the electronic cash is transferred from another cash storage device. It is characterized by having transfer prohibition means for prohibiting the transfer of electronic cash. This makes it impossible to transfer electronic cash by inputting a password corresponding to another electronic cash storage means.

Further, the electronic cash holding device according to claim 3 is characterized in that the upper limit of the electronic cash transferred in accordance with a predetermined password input is made different. As a result, it is possible to change the limit of electronic cash that can be transferred by the input password.

The electronic cash holding device according to a fourth aspect of the present invention is the electronic cash holding device according to the third aspect, wherein a predetermined password is input, and after the predetermined electronic cash is transferred, the transfer of the electronic cash from the cash storage means is performed. It is characterized by having transfer prohibition means to prohibit. This makes it possible to transfer only a predetermined amount of money, and not to transfer the entire amount of electronic cash held in the electronic cash holding device.

[0014]

Embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows a block diagram for transferring electronic cash between electronic wallets. In FIG. 1, two electronic wallets (A) 1 and two electronic wallets (B) 9 are illustrated to realize transfer between electronic wallets, and the electronic wallet (A) 1 will be mainly described. Electronic wallet (A) 1 and electronic wallet (B) 9
Although the structure is the same, some blocks are given different numbers to explain electronic cash transfer between two electronic wallets. Blocks that do not require explanation of the electronic wallet (B) 9 are given the same numbers as the numbers of the electronic wallet (A) 1. Unless otherwise specified, the name of each block indicates that of the electronic wallet (A) 1.

The electronic cash storage unit (A) 2 stores electronic cash and is used for performing the following processes (1) to (3).

(1) When the owner wants to know how much money is left in the electronic wallet (A) 1, the data of the electronic cash stored in the electronic cash storage unit (A) 2 is read and the display unit 6 To display the amount of the balance.

(2) Electronic wallet owned by another owner (B)
When transferring (for example, paying) electronic cash to 9
The electronic wallet (A) 9 reads the data of the electronic cash in the electronic cash storage unit (A) 2 and writes the read electronic cash in the electronic cash storage unit (B) 10 of the electronic wallet (B) 9. Then, the amount of electronic cash in the electronic cash storage unit (A) 2 is changed according to the amount of transferred electronic cash.

(3) Electronic wallet owned by another owner (B)
When the electronic cash is transferred (for example, received) from the electronic wallet 9, the electronic cash sent from the electronic wallet (B) 9 is written in the electronic cash storage unit (A) 2.

The electronic cash storage section (C) 7 has the same configuration as the electronic cash storage section (A) and stores electronic cash.

The electronic wallet (A) 1 includes a plurality of electronic cash storage units as shown in an electronic cash storage unit (A) 2 and an electronic cash storage unit (C) 7 in FIG. The electronic cash storage unit used for transfer can be selected according to the type of the input personal identification number.

The personal identification number storage unit 3 stores a personal identification number predetermined by the owner of the electronic wallet (A) 1. When the owner intends to transfer the electronic cash in the electronic wallet, the control unit 8 requests the owner to input a personal identification number,
The transfer of electronic cash from the electronic wallet (A) 1 is permitted on condition that the personal identification number input from the data input part 4 matches the personal identification number stored in the personal identification number storage part 3. Further, a plurality of passwords can be stored in the password storage unit 3, and each password is associated with each of the plurality of electronic cash storage units. And
When the input personal identification number matches one of the plural personal identification numbers stored in the personal identification number storage part 3, the electronic cash storage part corresponding to the personal identification number is selected. When the password associated with the electronic cash storage unit (A) 2 is input, the transfer of the electronic cash from the electronic cash storage unit (A) 2 becomes possible, and the electronic cash storage unit (C) 7 When the assigned password is input, the electronic cash can be transferred from the electronic cash storage (C) 7. Here, the electronic cash storage unit (A) 2 and the electronic cash storage unit (C) 7
Although two electronic cash storage units are physically configured in the above, an area where electronic cash is stored in one electronic cash storage unit may be virtually divided into two.

The data input unit 4 is for inputting a password, a transfer amount of electronic cash, and the like. The input data is sent to the control unit 8 and used for processing such as transfer. The control unit 8 performs electronic cash transfer processing, electronic cash balance display, and the like based on programs and data stored in the ROM 12 in accordance with data and instructions transmitted from the data input unit 4 and the like. is there.

The interface unit 5 is an electronic wallet (A)
1 and an external electronic cash holding device. Here, an electronic wallet (B) 9 is used as the external electronic cash holding device.
And each other via the interface unit 5. Specifically, the connection here means that the electronic wallets are connected to each other by wire, and data is transmitted and received using a predetermined communication protocol. Of course, data transmission and reception may be performed wirelessly, not by wire. Also,
The electronic wallets may be directly connected to each other by connecting connectors provided respectively. Then, data relating to electronic cash is transferred via the interface unit 5 of the electronic wallet (A) 1 and the electronic wallet (B) 9.

The display unit 6 displays the inputted amount of money, the balance of electronic cash stored in the electronic wallet (A) 1, and the like.

The electronic cash storage unit (C) 7 is configured to store electronic cash like the electronic cash storage unit (A) 2 and to be able to read, write or erase the electronic cash stored by the control unit 8. ing. When a password corresponding to the electronic cash storage unit (C) 7 is input from the data input unit 4, electronic cash can be transferred from the electronic cash storage unit (C) 7.

FIG. 2 is an external view of the electronic wallet (A) 1. The electronic wallet (A) 1 is portable and has a card shape. The numerical value input key 25 is used for inputting a personal identification number and an amount of electronic cash. The password key 20 is used to input a password.
After the password key 20 is pressed, a password is input by the numerical value input key 25. The balance key 21 is used to display the balance of electronic cash stored in the electronic cash storage unit on the display unit 6. In displaying the balance, the input of the personal identification number may be requested in advance, or the balance may be displayed without the personal identification number. The confirmation key 23 is used for confirming the entered personal identification number and amount. The cancel key 24 is used to cancel the input of the personal identification number and the amount. These keys correspond to the data input unit 4 shown in FIG.

FIG. 3 shows a flowchart of the electronic cash transfer process. Here, a process of transferring electronic cash from the electronic wallet (A) 1 to the electronic wallet (B) 9 will be described.
The electronic cash storage unit (A) 2 is used for normal use, and the electronic cash storage unit (C) 7 is used for anti-robbery. Electronic cash storage unit for anti-robbery (C)
It is desirable to store the electronic cash of 7, which is not regrettable even if it is forcibly transferred. The password A and the password C are stored in the password storage unit 3, and when the password A is input, the normal electronic cash storage unit (A) 2 can be used.
When the password C is input, the electronic cash storage unit (C) 7 for anti-burglary can be used. In the case where the input of the personal identification number is requested when displaying the balance of the electronic cash on the display part 6, the amount stored in the electronic cash storage part (A) 2 is displayed in response to the input of the personal identification number A. And
The amount stored in the electronic cash storage unit (C) 7 is displayed in response to the input of the personal identification number B.

First, the password key 20 of the electronic wallet (A) 1 is depressed, the password number is inputted by the numerical value input key 25, and the confirmation key 23 is depressed, thereby confirming the input of the password (S1). . Next, the amount of the electronic cash to be transferred is input using the numerical value input keys 25, and the input of the amount is determined by the determination key 23 (S2).

Next, it is determined whether or not the input personal identification number matches the personal identification number A previously stored in the personal identification number storage unit 3 (S3). If they match, it is determined whether or not the input amount is smaller than the amount of electronic cash stored in the electronic cash storage unit (A) 2 (S4). If it is larger, the process is terminated without performing the electronic cash transfer process.
If it is smaller, the electronic cash for the amount entered is stored in the electronic cash storage unit (B) 10 of the electronic wallet (B) 9 connected to the electronic wallet (A) 1 from the electronic cash storage unit (A) 2. Is transferred via the interface unit 5 (S5). When the transfer is completed, the amount of the electronic cash in the electronic cash storage unit (A) 2 is changed according to the transfer amount of the electronic cash, and the amount of the electronic cash is stored in the electronic cash storage unit (A) 2 as compared to before the transfer. Have less e-cash.

On the other hand, if the input password does not match the password A in step S3, it is determined whether the input password matches the password C (S3).
6). If the password does not match with the password C, the electronic cash transfer process is not performed and the process ends. If the password matches the password C, it is determined whether or not the input amount is smaller than the electronic cash amount stored in the electronic cash storage unit (C) 7 (S7). If it is larger, the process is terminated without performing the electronic cash transfer process. If the amount is smaller, the electronic cash corresponding to the input amount is transferred from the electronic cash storage unit (C) 7 to the electronic wallet (B) 9 connected to the electronic wallet (A) 1 via the interface unit 5. (S8). When the transfer is completed, the amount of the electronic cash in the electronic cash storage unit (C) 7 is changed in accordance with the transfer amount of the electronic cash, and the amount of the electronic cash is stored in the electronic cash storage unit (C) 7 as compared with before the transfer. Have less e-cash.

Next, transfer of electronic cash from the electronic cash storage unit (A) 2 corresponding to the password A is prohibited (S).
9). After the prohibition, even if the password A stored in the password storage unit 3 is input, the electronic cash cannot be transferred. This is to prevent the electronic cash stored in the electronic cash storage unit (A) 2 of the electronic wallet (A) 1 from being transferred again due to blackmail of a robbery. In order to release the prohibition, it is preferable that only the issuer of the electronic wallet or the certification organization of the electronic cash can release the prohibition.

Conversely, when the electronic cash is transferred from the electronic cash storage unit for the anti-robbery to the electronic wallet (A) 1 from the electronic wallet (B) 9, the personal identification number input to the electronic wallet (B) 9 is used. Electronic cash storage unit (D) 11 for anti-robbery according to
After the transfer of electronic cash from, transfer of electronic cash from the normal electronic cash storage unit (B) 10 of the electronic wallet (B) 9 is prohibited.

In this way, by transferring the electronic cash from the anti-robbery electronic cash storage unit in which a small amount of money is stored, it can be deceived that all the electronic cash has been transferred to the robbery. It is possible to stop the damage. Furthermore, after transferring the electronic cash from the electronic cash storage unit for anti-robbery, by prohibiting the transfer of electronic cash from other ordinary electronic cash storage units of the electronic wallet,
Further damage can be prevented more effectively.

Next, another embodiment of the present invention will be described. The configuration required for this embodiment is almost the same as FIG. 1, and the appearance is the same as FIG. A major difference in the configuration of the block is that only one electronic cash storage unit is provided. FIG. 4 shows a block diagram of the present embodiment. The blocks common to FIG. 1 use the same numbers as the block numbers in FIG. Another feature of the embodiment is that the electronic wallet (C)
13 will be mainly described. Also, unless otherwise noted
The name of each block indicates that of the electronic wallet (C) 13.

The password storage 17 stores a password A and a password B. The ROM 16 stores the data input unit 4
A control program for transferring electronic cash from the electronic cash storage unit (A) 2 is stored in accordance with the password input from the electronic cash storage unit (A) 2. Further, as will be described later, the ROM 16 stores in advance an upper limit amount which is not regrettable even if it is forcibly transferred. When the password A is input, any amount of electronic cash can be transferred within the range of the amount stored in the electronic cash storage unit (A) 2, but when the password B is input, The electronic cash can be transferred only with the upper limit set in the ROM 16. That is, the upper limit of transferable electronic cash is made different depending on the password. The control unit 15 performs transfer processing of electronic cash by inputting and outputting data to and from each block according to data input from the data input unit 4 or the interface unit 5 or the like.

FIG. 5 shows a flowchart of the electronic cash transfer process in this case. Here, the electronic wallet (C)
A process for transferring electronic cash from the electronic wallet 13 to the electronic wallet (D) 14 will be described. First, the secret key 20 of the electronic wallet (C) 13
Is pressed, the password is input by the numerical value input key 25, and the enter key is pressed, whereby the input of the password is confirmed (T1). Next, the amount of the electronic cash to be transferred is input using the numerical value input keys 25, and the input of the amount is determined by the determination key 23 (T2).

Next, it is determined whether or not the input personal identification number matches the personal identification number A stored in the personal identification number storage unit 17 in advance (T3). If they match, it is determined whether the input amount is smaller than the amount of electronic cash stored in the electronic cash storage unit (A) 2 (T4). If it is larger, the process is terminated without performing the electronic cash transfer process. If it is smaller, the electronic cash for the amount entered is stored in the electronic cash storage (B) 10 of the electronic wallet (D) 14 connected to the electronic wallet (C) 13 from the electronic cash storage (A) 2. Is transferred via the interface unit 5 (T
5). When the transfer is completed, the amount of the electronic cash in the electronic cash storage unit (A) 2 is changed according to the transfer amount of the electronic cash, and the amount of the electronic cash storage unit (A) is equal to the amount before the transfer.
The amount of electronic cash stored in 2 is reduced.

On the other hand, if the entered security code does not match the security code A in step T3, it is determined whether the input security code matches the security code B (T3).
6). If the password does not match the password B, the electronic cash transfer process is not performed and the process ends. If the password matches the password B, it is determined whether or not the input amount is smaller than the upper limit of the transfer of the electronic cash stored in the ROM 16 in advance (T7). If it is larger, the process is terminated without performing the electronic cash transfer process. Here, ROM1
The upper limit stored in No. 6 is set to a value that will not be regrettable even if it is forcibly transferred. Further, it is determined whether or not the input amount is smaller than the amount of electronic cash stored in the electronic cash storage unit (A) 2 (T8). This is because it is not possible to transfer more electronic cash than the electronic cash stored in the electronic cash storage unit (A) 2. If it is larger, the process is terminated without performing the electronic cash transfer process. If it is smaller, the electronic cash for the amount entered is stored in the electronic cash storage (B) 10 of the electronic wallet (D) 14 connected to the electronic wallet (C) 13 from the electronic cash storage (A) 2. Is transferred via the interface unit 5 (T9). When the transfer is completed, the amount of the electronic cash in the electronic cash storage unit (A) 2 is changed according to the transfer amount of the electronic cash, and the amount of the electronic cash is stored in the electronic cash storage unit (A) 2 as compared to before the transfer. Have less e-cash. Next, transfer of electronic cash from the electronic cash storage unit (A) 2 is prohibited (T1).
0). After the prohibition, even if the security code A or the security code B stored in the security code storage unit 17 in advance is input, the transfer of the electronic cash cannot be performed. In order to release the prohibition, it is preferable that only the issuer of the electronic wallet or the certification organization of the electronic cash can release the prohibition.

The balance display when the personal identification number B is input indicates the upper limit of the transfer of the electronic cash stored in the ROM 16 in advance. After the password B is input and the electronic cash is transferred, an amount obtained by subtracting the transfer amount from the upper limit may be displayed as the balance.

In this way, by transferring the electronic cash from the electronic cash storage unit in which the amount that can be transferred for the anti-robbery is limited, it can be deceived that all the electronic cash has been transferred to the robbery. It is possible to stop further damage. Further, after the electronic cash is transferred from the electronic cash storage unit for anti-robbery, further damage can be prevented more effectively by prohibiting the transfer of the electronic cash from the electronic cash storage unit. In addition, as compared with the electronic wallet shown in FIG. 1 having a plurality of electronic cash storage means, there is an advantage that it is not necessary to store extra electronic cash in the electronic cash storage unit in advance.

[0041]

According to the first aspect of the present invention, since the electronic cash storage unit in which the electronic cash is stored can be selected according to the input password, the transfer of the electronic cash is forcibly performed. By limiting the maximum transfer amount to the amount of electronic cash stored in the selected electronic cash storage unit, transfer of the entire electronic cash held in the electronic cash holding device can be prevented.

According to the second aspect of the present invention, after the transfer of the electronic cash from the selected electronic cash storage unit, the transfer of the electronic cash other than the selected electronic cash storage unit is not performed. Thus, even if a correct password is input after the transfer, further transfer can be prevented.

According to the third aspect of the present invention, the maximum amount of electronic cash that can be transferred is made different according to the input password. By limiting to the upper limit stored in advance, it is possible to prevent transfer of the entire amount of electronic cash held in the electronic cash holding device.

According to the invention described in claim 4, after the transfer of the electronic cash, the transfer of the electronic cash from the electronic wallet is prevented from being performed, so that the correct password is input even after the transfer. As a result, further relocation can be prevented.

[Brief description of the drawings]

FIG. 1 is a block diagram of an electronic wallet.

FIG. 2 is an external view of an electronic wallet.

FIG. 3 is a flowchart of electronic cash transfer.

FIG. 4 is a block diagram of another electronic wallet.

FIG. 5 is a flowchart of another electronic cash transfer.

[Description of Signs] 1 Electronic wallet (A) 2 Electronic cash storage unit (A) 3 PIN number storage unit 4 Data input unit 5 Interface unit 6 Display unit 7 Electronic cash storage unit (C) 8 Control unit 9 Electronic wallet (B 10) Electronic cash storage unit (B) 11 Electronic cash storage unit (D) 12 ROM

Claims (4)

[Claims] 1. An electronic cash storage means for storing electronic cash, a password input means for inputting a password, and an electronic cash stored in response to a predetermined password being input to the password input means. An electronic cash holding device comprising: a transfer unit that transfers to an electronic cash receiving unit, wherein the electronic cash holding device includes a plurality of the electronic cash storage units, and transfers electronic cash from a specific electronic cash storage unit selected according to a predetermined password input. An electronic cash holding device, which is transferred to an external electronic cash receiving means. 2. A transfer prohibition unit for prohibiting transfer of electronic cash from another cash storage unit after transferring electronic cash by inputting a predetermined password to the password input unit. The electronic cash holding device according to claim 1. 3. An electronic cash storage means for storing electronic cash, a password input means for inputting a password, and the electronic cash stored in response to a predetermined password being input to the password input means. An electronic cash holding device comprising: transfer means for transferring to an electronic cash receiving means, wherein the upper limit of transferable electronic cash is changed according to a predetermined password input. 4. A transfer prohibition unit for prohibiting transfer of electronic cash from said cash storage unit after transferring electronic cash by inputting a predetermined password into said password input unit. The electronic cash holding device according to claim 3, wherein