WO2012066653A1 - 電子取引システム、電子取引が可能な情報処理端末、電子取引用の管理サーバ、及び電子取引が可能なレジ端末 - Google Patents
電子取引システム、電子取引が可能な情報処理端末、電子取引用の管理サーバ、及び電子取引が可能なレジ端末 Download PDFInfo
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- WO2012066653A1 WO2012066653A1 PCT/JP2010/070475 JP2010070475W WO2012066653A1 WO 2012066653 A1 WO2012066653 A1 WO 2012066653A1 JP 2010070475 W JP2010070475 W JP 2010070475W WO 2012066653 A1 WO2012066653 A1 WO 2012066653A1
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- information
- balance
- processing terminal
- information processing
- management server
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
Definitions
- the present invention relates to a processing technique related to electronic transactions in which transactions are made with a cash register terminal using a communication function of an individual information processing terminal.
- a portable information terminal equipped with two operation systems can be selectively switched between a public network of the Internet and a private network consisting of a dedicated line, and the private network can be connected.
- a system has been proposed in which electronic transactions can be performed only when connected to the Internet.
- the first operating system OS1 When the first operating system OS1 is activated, this system allows a portable information terminal to be connected to an ISP server via a wireless modem, etc., and to exchange information with other terminals via the Internet network.
- the second operation system OS2 is started and the first operation system OS1 is shut down or only a specific application is permitted.
- the electronic transaction processing can be performed between the server and a remote server provided with a program for electronic transactions via a connection server directly connected by a dedicated line (or by omitting the connection server).
- a connection server directly connected by a dedicated line (or by omitting the connection server).
- Patent Document 1 only enables electronic transactions with a remote server equipped with a program for electronic transactions. For example, electronic money transactions used with stores It is not applicable to the embodiment.
- the provider server described in Patent Document 1 is a server at an Internet service provider (ISP), and electronic transactions by the second operation system OS2 are performed on a private network provided separately from the Internet. Since this is done, a private network will be required. Furthermore, since user authentication is only performed using the user name, password, and account number of the portable information terminal, it is easy to be stolen, and there is a high possibility of causing an illegal electronic transaction by impersonation. That is, Patent Document 1 describes to some extent that the electronic transaction method itself includes account payment by electronic means, and shows how to realize secure processing during electronic transaction. Absent.
- An object of the present invention is to provide a processing technology related to electronic transactions that can securely perform electronic transaction processing between an information processing terminal and a cash register terminal under the monitoring of a management server.
- An electronic transaction system is an electronic transaction system for performing a transaction between an information processing terminal having a communication function and a cash register terminal.
- a management server having an electronic money storage unit that is capable of information communication with the information processing terminal and the cash register terminal via a network, and stores electronically owned money of a member and balance information updated for each transaction; Prepared, The cash register terminal obtains the balance information from the electronic money storage unit for each transaction via the information processing terminal, and calculates a balance by subtracting the transaction amount from the acquired balance information;
- a first communication means for transmitting the calculated balance information to the management server and transmitting to the information processing terminal for each calculation;
- the information processing terminal transmits balance information stored in the balance information storage unit to the management server each time a transaction is started, and balance calculation.
- Second communication means for transferring balance information transmitted by the first communication means to the management server every time,
- the management server collates the balance information transmitted from the balance information storage unit of the information processing terminal by the second communication unit with the balance information stored in the electronic money storage unit before starting the transaction.
- a post-verification unit and a post-verification unit that compares the balance information transmitted from the cash register terminal by the first communication unit and the balance information transferred from the information processing terminal by the second communication unit for each balance calculation
- a third communication unit that transmits balance information stored in the electronic money storage unit to the information processing terminal when the result of the prior verification matches with the verification unit;
- the first update means for updating the balance information transmitted from the cashier terminal by the first communication means to the electronic money storage unit when the results of
- the second communication means of the information processing terminal further transfers the balance information transmitted from the electronic money storage unit of the management server to the cashier terminal by the third communication means;
- the information processing terminal receives the balance information transmitted by the first communication means and the balance information acquired by being transmitted from the management server every time the
- the present invention is an information processing terminal capable of electronic transactions, a management server for electronic transactions, and a cash register terminal capable of electronic transactions used in such an electronic transaction system.
- the member can perform electronic transactions with the cash register terminal using his / her information processing terminal. This transaction is monitored by the management server.
- the management server has an electronic money storage unit that is capable of communicating information with the information processing terminal and the cash register terminal via the network and stores balance information that is electronic money owned by the member and updated for each transaction. ing.
- the prior verification unit of the management server causes the balance information storage unit to The transmitted balance information and the balance information stored in the electronic money storage unit are collated in advance.
- the balance information stored in the electronic money storage unit is transmitted to the information processing terminal.
- the balance information transmitted from the electronic money storage unit of the management server is further transferred to the cashier terminal by the information processing terminal.
- the total amount of transactions that is, the transaction amount
- the balance is calculated by subtracting the transaction amount from the balance information transferred via the information processing terminal by the balance calculation means. Is done.
- the calculated balance information is transmitted to the management server and also to the information processing terminal.
- the balance information transmitted from the cashier terminal to the information processing terminal is further transferred to the management server by the information processing terminal.
- the balance information transmitted from the cash register terminal and the balance information transferred from the information processing terminal are verified afterwards by the subsequent verification means.
- the balance information transmitted for checking from the cashier terminal is updated in the electronic money storage unit by the first updating means.
- the balance information after the balance calculation one of the balance information transmitted from the cash register terminal and the balance information transmitted from the management server
- Information is updated in the balance information storage unit.
- the transaction refers to a process of subtracting the transaction amount input to the cash register terminal from the electronic money that is the balance of the member stored in the management server (so-called transaction). Contract).
- the settlement for the transaction i.e.
- fulfillment of the transaction contract is performed later on, for example, from the member account to the account of the entity on the cashier terminal side (for example, the store manager where the cashier terminal is deployed) via the financial institution This is done by transferring the corresponding amount.
- the transaction calculation at the cash register terminal is performed with the balance information in the electronic money storage unit, and settlement is executed based on this. That is, since the electronic money of the management server is handled as cash, and the balance information of the balance information storage unit of the information processing terminal is only meaningful for verification, in the unlikely event, the information processing terminal is stolen and the balance information storage unit Even if you try to use the balance, it is safe because it cannot be handled as cash.
- the balance information received directly from the cashier terminal each time the balance information that is electronic money of the management server and the balance information of the information processing terminal are collated in advance and the balance is calculated before the transaction starts. And the balance information received via the information processing terminal, that is, before and after the transaction calculation (subtract the transaction amount from the balance), the electronic money of the management server and the balance information of the information processing terminal are compared. If one of the previous and subsequent collation results is inconsistent, monitoring for prohibiting electronic transactions is performed, so that unauthorized operations on the information processing terminal side or cash register terminal side can be effectively prevented.
- electronic transaction processing between the information processing terminal and the cash register terminal can be securely performed under the monitoring of the management server.
- FIG. 1 It is a schematic block diagram of the network communication system containing the electronic transaction system of this invention. It is the external view which looked at an example of the appearance of an information processing terminal from the front side upper part. It is a block block diagram which shows one Embodiment of the information processing terminal shown in FIG. It is a block composition showing one embodiment of a cash register terminal of store SH. It is a block block diagram which shows one Embodiment of a management server. It is a flowchart which shows an example of the process performed by each control part of an information processing terminal, a management server, and a cash register terminal. It is a flowchart which shows an example of the process performed by each control part of an information processing terminal, a management server, and a cash register terminal.
- FIG. 1 is a schematic configuration diagram of a network communication system including an electronic transaction system according to the present invention.
- the network communication system shown in FIG. 1 includes a network 1 such as the Internet, which is a public network.
- a network 1 such as the Internet, which is a public network.
- ISP Internet Service Provider
- a wireless LAN 3 Local Area Network
- Wi-Fi wireless fidelity
- Wi-Fi wireless fidelity
- the wireless LAN 3 is constructed, for example, by distributing and arranging the necessary number of antennas in order to enable communication with the ISP 2 from a predetermined location in the store SH or from any location.
- a wireless communication network such as a code division multiple access (CDMA: Wideband Code Division Division Multiple Access) -based network may be used as the intra-area wireless communication means.
- CDMA Code Division Multiple Access
- the information processing terminal 4 requires short-range communication with the cash register terminal 7, it is assumed that the information processing terminal 4 is portable in principle, and a portable information terminal, a cellular phone, a mobile phone, a smartphone, and a pager are applicable. is there. Further, as the information processing terminal 4, Internet home appliances including a portable personal computer, an information terminal, a laptop computer, a digital television capable of bidirectional communication if portable can be applied.
- the information processing terminal 4 can make a call with another mobile phone or a fixed telephone (not shown) via the wireless LAN 3 and can communicate with other information processing terminals 4 via the wireless LAN 3, ISP 2, and network 1. E-mails can be sent and received between them, and various web sites 5 installed on the network 1 can be browsed and desired image information can be browsed and acquired.
- a mail system of a mobile phone company is used as a mechanism for sending and receiving e-mail.
- a member who desires the right to receive provision of a predetermined service (use of a specific AP, which will be described later) obtains the information processing terminal 4 or responds to the information processing terminal 4 by receiving membership registration through a predetermined procedure.
- Hardware typically an external device 4a (indicated by a broken line in FIG.
- the information processing terminal 4 receives registration, member information and information for identifying the information processing terminal 4 are registered in the management server 6 described later.
- information for identifying the external device 4a is also registered in the management server 6.
- a memory card such as an SD (Secure Digital) memory card as a flash memory, a device having a USB interface, PCI (Peripheral Component Interconnect), or the like is applicable.
- the network 1 includes a management server 6 that manages member information, a member's electronic transaction history and electronic payment, and a member provided in a store SH, for example, when the member performs an electronic transaction via the information processing terminal 4.
- a management server 6 that manages member information, a member's electronic transaction history and electronic payment, and a member provided in a store SH, for example, when the member performs an electronic transaction via the information processing terminal 4.
- One or a plurality of cash register terminals 7 and a financial institution server 8 of one or a plurality of financial institutions for executing settlement of electronic transactions are connected.
- Member information mainly includes name and date of birth information for identifying an individual, necessary identification information and password for authentication, registered information processing terminal 4 address information and necessary identification information, and financial institution Information and account number information.
- the cash register terminal 7 includes a device capable of performing short-range communication with the information processing terminal 4.
- FIG. 2 is an external view of an example of the external appearance of the information processing terminal viewed from the front side and slightly above.
- a smartphone is employed as the information processing terminal 4.
- a smartphone is a mobile phone that has a built-in computer and has a data processing function in addition to a telephone call.
- the smartphone can be connected to the Internet to execute the functions of an e-mail and a web browser.
- the information processing terminal 4 has a rectangular parallelepiped housing 40, in which a circuit board and an electronic circuit (both not shown) are arranged.
- a display unit 41 having a required size is disposed on substantially the entire front surface.
- the display unit 41 displays an image, and a liquid crystal panel, a plasma display, or an organic EL (Electro-Luminescence) element can be used.
- a transparent or translucent touch panel 42 is stacked on the upper surface of the display unit 41.
- the touch panel 42 is configured to output contact with the panel surface as a coordinate signal of the contact position.
- the touch panel 42 may be a capacitance type, an ultrasonic type, a photoelectric type, or the like in addition to a configuration using a known resistive film type as a detection mechanism.
- a plurality of icons 41a having shapes or figures associated with various application (AP) programs are displayed at the set display coordinate positions.
- the icon 41a is detected by collation with the display position coordinate of the icon on the display part 41, and a contact position coordinate.
- an application corresponding to the icon 41a for example, at least a telephone function, an e-mail function, a browser function, a music distribution function, and the like are assumed.
- the corresponding application is activated.
- the telephone function icon 41a is designated, the screen is switched to a destination telephone number input screen or a telephone number list screen.
- the destination telephone number is designated and confirmed on the screen, the call state is entered. It is like that.
- a unique icon 41b for instructing transition to the mode of the electronic transaction function that is the subject of the present invention is provided.
- a power switch 43 for starting and stopping the information processing terminal 4 and a microphone 44 for calling are provided at the lower part of the display unit 41, and a speaker 45 for calling is provided near the upper part of the display unit 41.
- a short-range communication unit 46 for performing distance communication is provided.
- the housing 40 includes an antenna unit (see FIG. 3, wireless LAN communication unit 37) that can communicate with the wireless LAN 3, and a member for executing other functions, such as a GPS (Global Positioning System).
- a receiver (not shown) may be provided.
- a loading unit structure 48 in the figure, the external device 4a can be loaded). It is preferable that (indicated by a broken line) is formed. Then, when the external device 4a is loaded in the loading unit, the information processing terminal 4 may transmit / receive between the two via a port (not shown).
- FIG. 3 is a block diagram showing an embodiment of the information processing terminal shown in FIG.
- the information processing terminal 4 includes a control unit 400 composed of a CPU (Central Processing Unit).
- a display unit 41 to a wireless LAN communication unit 47 are connected to the control unit 400.
- the control unit 400 includes a ROM (Read Only Memory) and a flash ROM.
- the control unit 400 includes a general purpose OS (Operating System) for generating an execution environment for the general purpose AP and a general purpose program storage unit 4001 for storing various general purpose APs, a specific AP.
- OS Operating System
- Specific program storage unit 4002 for storing a specific OS (Operating System) and a specific AP for generating the execution environment, a temporary storage unit 4003 including a work memory and a flash memory for temporarily storing information being processed, and information Is connected to a balance information storage unit 4004 that is a rewritable memory, such as a flash ROM.
- the flash memory of the temporary storage unit 4003 preferably includes a general-purpose mode storage unit and a specific mode storage unit, which will be described later.
- the control unit 400 executes image display processing on the display unit 41 by executing a program stored in the general-purpose program storage unit 4001 and the specific program storage unit 4002 and developed in the work memory of the temporary storage unit 4003.
- Unit 401 general-purpose AP processing unit 402 for controlling processing related to general-purpose AP, mode switching processing unit 403 for switching from the execution environment of general-purpose AP to the execution environment of specific AP, authentication of information processing terminal 4 and members before execution of specific AP
- the image display processing unit 401 displays a basic screen on which various icons 41a and unique icons 41b are arranged. In accordance with a designated AP, the screen of the lower layer, and An image corresponding to the operation is displayed.
- the general-purpose AP processing unit 402 includes a general-purpose AP selection determination unit 4021 and a general-purpose AP execution processing unit 4022 that executes the selected general-purpose AP.
- the general-purpose AP selection determination unit 4021 determines which icon has been selected from the display coordinate information of each icon 41a and the coordinate signal of the position of the touch panel 42 that the member has contacted (or contacted).
- the general-purpose AP execution processing unit 4022 expands the general-purpose AP corresponding to the selected icon from the general-purpose program storage unit 4001 to the work memory of the temporary storage unit 4003, and executes the general-purpose AP.
- the mode switching processing unit 403 is programmed so that when the power switch 43 is turned on, the general-purpose OS is started to shift to the general-purpose mode as a de facto, for example.
- the mode switching processing unit 403 forcibly terminates or interrupts the execution of the general-purpose AP, or waits for the end of the operation of the general-purpose AP (determines the end of the operation).
- To start the specific mode in order to automatically shift to the operating environment of the specific mode. Forcibly terminating the execution of the general-purpose AP is to shut down the general-purpose mode environment itself regardless of whether any general-purpose AP is in the operating environment.
- the interruption of the execution of the general-purpose AP means that in the general-purpose AP operating environment, the general-purpose AP and its processing contents are temporarily saved in the general-purpose mode storage unit of the temporary storage unit 4003, and in this state, the general-purpose mode environment Shut down and start the specific OS. Further, when the specific mode is completed, the contents saved in the storage unit for the general-purpose mode in the temporary storage unit 4003 are read into the work memory of the temporary storage unit 4003, returned to the general-purpose mode again, and can be resumed from the next. To do.
- the authentication processing unit 404 is executed when the mode switching processing unit 403 is activated.
- the authentication processing unit 404 includes the information processing terminal 4 necessary for the authentication process executed by the management server 6 and each member's identification information and other information (for example, a password input from the member via the information processing terminal 4).
- a signal is transmitted to the management server 6 as an authentication request signal, and an authentication result is received from the management server 6. If the authentication result is affirmative, the authentication processing unit 404 permits mode switching to the specific mode. If the authentication result is negative, the authentication processing unit 404 prohibits mode switching. (Re-operation) guidance is returned to the information processing terminal 4 that is the authentication request source.
- the specific program storage unit 4002 may be provided in the external device 4a.
- the information processing terminal 4 includes the mounting portion structure 48 of the external device 4a at an appropriate position as described above, and the external device 4a is detachably loaded.
- a session is executed between the information processing terminal 4 and the external device 4a via the port instead of the selection operation of the icon 41b.
- the icon 41b may be selectable on condition that the external device 4a is loaded in the information processing terminal 4.
- the external device 4a may be acquired by writing the above-mentioned information at the time of member registration from a registration company.
- the specific AP processing unit 405 includes a specific AP selection determination unit 4051, a balance information output processing unit 4052, a balance information relay processing unit 4053, and a balance information update processing unit 4054.
- Transmission / reception of information between the management server 6 and the cash register terminal 7 executed based on the specific AP processing unit 405 This is done as follows.
- a predetermined protocol typically TCP / IP, is used between the cash register terminal 7 and the management server 6 and between the information processing terminal 4 and the management server 6.
- TCP / IP Transmission control protocol / internet protocol
- protocols such as ISO / IEC18092 (ECMA-340), ISO / IEC21481 (ECMA-342), ISO / IEC14443, ISO / IEC15693, JISX6319-4 (Felica) can be used.
- the information processing terminal 4 determines whether the address information indicating the transmission destination added to a predetermined position of each packet as a transmission signal or a reception signal is a global IP address based on the Internet protocol or the global IP address. Different from the address assignment method (a global IP address is an identifiable form) for identifying a specific local IP address (MAC address) according to, for example, Ethernet (registered trademark) Address information (routing table or arp (Address Resolution Protocol) table) is set. The packet is checked against the table and transmitted only to the route with the matching address, so that the transmission path can be switched by software between the Internet and the dedicated network.
- the management server 6 and the cash register terminal 7 are connected to a dedicated network.
- special processing may be performed on information transmitted and received between the information processing terminal 4, the management server 6, and the cash register terminal 7 in the specific mode.
- the special processing for the transmission information may be encryption or processing for embedding in an image signal different from the processing used in the general-purpose mode. Even in this method, the network is switched by software as compared with the general-purpose mode.
- the specific AP selection determination unit 4051 permits the switch to the specific mode environment when the icon 41b is selected, the switch to the specific mode is activated, and the authentication is affirmed. Next, the specific AP selection determination unit 4051 displays an icon corresponding to the specific AP that can operate in the environment of the specific mode, and any icon is displayed based on the icon display coordinate information and the contact position seating signal to the touch panel 42. It is determined whether it has been selected. In addition, when there is one specific AP operating in the specific mode environment, for example, in the case of only electronic transaction processing, the contact operation on the icon 41b can be directly handled as an instruction for mode switching and electronic transaction processing. Further, in the aspect in which the information processing terminal 4 is loaded with the external device 4a and mode switching is activated, the same processing as described above may be performed by loading the external device 4a.
- the balance information output processing unit 4052 is written in the balance information storage unit 4004 in response to a request from the management server 6 when authentication is affirmed during the operation of the electronic transaction AP that is one of the specific APs. Numeric information is transmitted and received as balance information.
- the balance information relay processing unit 4053 receives numerical information transmitted from the management server 6 as balance information and outputs it to the short-range communication processing unit 406.
- the balance information update processing unit 4054 causes the numerical information received by the short-range communication processing unit 406 to be written in the balance information storage unit 4004.
- the near field communication processing unit 406 performs communication within the near field range with the cash register terminal 7 via the near field communication unit 46.
- the near field communication is performed using infrared rays, ultrasonic waves, or electromagnetic waves, and the near field communication unit 46 is a transmission / reception unit thereof.
- the wireless LAN communication processing unit 407 performs communication with the ISP 2 through the wireless LAN communication unit 47 and the wireless LAN 3 that are transmission / reception antennas.
- FIG. 4 is a block diagram showing an embodiment of a cash register terminal of the store SH.
- the cash register terminal 7 includes a control unit 70 constituted by a CPU.
- the control unit 70 includes a display unit 71 that displays an image such as a numerical value, and an input unit 72 that includes various keys for instructing various functions including a numeric keypad and a calculation key provided in a general cash register (cash register).
- a short-range communication unit 73 that is a transmission / reception unit that communicates with the information processing terminal 4 within a short-range range, a processing program storage unit 74 that stores a program for executing various processes to function as the cash register terminal 7, and a cash register terminal 7 is stored as a history and connected to a history storage unit 75 for use as, for example, POS (Point Of Sale) or Nissei processing. Note that the date and time information for the history can be obtained from a built-in timer unit as is well known.
- the control unit 70 develops and executes the program stored in the processing program storage unit 74 in a work area (not shown) as is well known, thereby adding up the amounts input from the input unit 72, etc. Communication within the short-range range is performed with the information processing terminal 4 via the amount calculation unit 701, the balance calculation unit 702 that calculates a new balance, the communication processing unit 703 that communicates with the ISP 2, and the short-range communication unit 73. Functions as a short-range communication processing unit 704.
- the transaction amount calculation unit 701 receives purchase of one or a plurality of products or provision of services input from the input unit 72, and adds (accumulates), for example, the amounts input from the input unit 72 as their price. The calculation is executed to calculate the total transaction amount.
- the balance calculation unit 702 calculates a new balance by subtracting the total transaction amount from the current balance of the member.
- the communication processing unit 703 may be connected to the ISP 2 with priority, or may be connected to the ISP 2 via the wireless LAN 3.
- FIG. 5 is a block diagram showing an embodiment of the management server.
- the management server 6 includes a control unit 60 composed of a CPU.
- the control unit 60 includes a processing program storage unit 61 that stores programs for executing various processes for functioning as a management server, a member information storage unit 62 that stores member information for each member, and transaction history and balance information of each member. Is connected to a transaction history storage unit 63.
- the member information storage unit 62 stores information obtained at the time of member registration, and includes a name (name), information for identifying the information processing terminal 4 scheduled to be used (telephone number and e-mail address), and established financial service. Includes the institution, its account number, and member identification information.
- the member information storage unit 62 stores the owner (store manager) of the cash register terminal 7, its financial institution, and its account number.
- the transaction history for each member stored in the transaction history storage unit 63 and the presence / absence of completion of settlement with the financial institution of the store manager of the customer are included.
- the control unit 60 develops and executes the program stored in the processing program storage unit 61 in a work area (not shown) as is well-known, thereby performing the information processing terminal 4 and the members of the members who intend to conduct electronic transactions.
- the authentication processing unit 601 that performs authentication
- the pre-collation unit 602 that collates the balance before the electronic transaction
- the post-collation unit 603 that collates a new balance after the electronic transaction
- the transaction history storage unit 63 the cashier terminal 7
- An update processing unit 604 for updating the balance after the transaction as electronic money
- a settlement processing unit 605 for instructing the financial institution server 8 to perform a settlement instruction between the member and the manager of the store that has transacted
- the network 1 Functions as a communication processing unit 606 that enables communication between the information processing terminal 4 and the cash register terminal 7 via
- the authentication processing unit 601 Based on the authentication request signal transmitted from the information processing terminal 4, the authentication processing unit 601 verifies the validity of the information processing terminal 4 and the member by collating with the stored contents of the member information storage unit 62, and the approval / disapproval result Is returned to the corresponding information processing terminal 4.
- the authentication result is transmitted to the information processing terminal 4 as a balance information request signal and transmitted from the information processing terminal 4 in response to the balance information request signal.
- the received balance information is compared with the balance information that is electronic money stored in the transaction history storage unit 63.
- the pre-collation unit 602 returns a coincidence signal to the information processing terminal 4 if the collation matches, and an abnormality has occurred if they do not coincide (for example, information on the information processing terminal 4 has been falsified).
- a message to that effect is sent to the corresponding information processing terminal 4 to reset the process for switching to the specific mode, and prompt or prohibit the re-operation.
- the prior collation part 602 performs the process which transmits the balance information memorize
- the information processing terminal 4 receives the balance information from the management server 6, the information processing terminal 4 performs a relay process of transferring the received balance information to the cash register terminal 7 by the balance information relay processing unit 4053.
- the post-verification unit 603 checks the balance information transmitted from the communication processing unit 703 of the cash register terminal 7 and the short-range communication processing unit 704 of the cash register terminal 7 to the information processing terminal 4 as confirmation of whether the transaction processing has been properly performed. Is checked against the balance information transmitted via.
- the post-matching unit 603 transmits a matching signal as a legitimate transaction signal to the information processing terminal 4 and the cash register terminal 7 if the matching is matched, and determines that an abnormality has occurred if they do not match, and ends abnormally. Then, the fact is transmitted to the information processing terminal 4 and the cash register terminal 7 to reset the processing for switching to the specific mode so as to stop the transaction, and prompt the user to re-operate.
- the update processing unit 604 updates and stores the balance information transmitted from the cashier terminal 7 in the transaction history storage unit 63 when the post-matching matches.
- the settlement processing unit 605 instructs the financial institution to transfer (settlement) the transaction amount from the member's account to the business partner's account at a predetermined time, for example, at every transaction end or at a predetermined date and time.
- 6 to 8 are flowcharts showing an example of processing executed by the control units 400, 60, and 70 of the information processing terminal 4, the management server 6, and the cash register terminal 7.
- step S1 When the icon 41b of the information processing terminal 4 is pressed, a mode switching instruction is activated (step S1), and an authentication request signal created through input of a password or the like is transmitted to the management server 6 (step S3).
- the management server 6 compares the information in the member information storage unit 62 with the information processing terminal 4 and the member that are the authentication request source, and executes an authentication process (step Q1). . If the authentication is affirmed (YES in step Q3), a message to that effect is returned to the information processing terminal 4 that is the authentication request source (step Q5). On the other hand, when the authentication is denied (NO in step Q3), guidance information on re-operation (re-operation of mode switching) that prompts the user to press the icon 41b again is returned (step Q7), whereby the management server 6 This process ends.
- the information processing terminal 4 waits for a reply from the management server 6 (step S5).
- step S7 the process proceeds to step S11 to permit mode switching, while an authentication negative signal is sent. If received, the process proceeds to step S9 in order to disallow mode switching.
- step S9 a guidance image for prompting a re-operation for mode switching is displayed on the display unit 41, thereby ending (resetting) the current mode switching process.
- step S11 when there are a plurality of specific APs, one of them is selected.
- the specific OP that has been selected and operated, and then the specific AP is activated, and the balance information stored in the balance information storage unit 4004 is first transmitted to the management server 6 (step S13).
- the management server 6 When the balance information is received (step Q9), the management server 6 extracts the balance information that is the electronic money of the corresponding member in the transaction history storage unit 63, and the extracted balance information and the received balance information. Verification is performed (step Q11). When both pieces of balance information match (YES in step Q13), the balance information of the member extracted from the transaction history storage unit 63 is transmitted to the information processing terminal 4 (step Q15). On the other hand, if the balance information does not match (NO in step Q13), the abnormal termination process and information to that effect are returned to the corresponding information processing terminal 4 (step Q17), whereby the process of the management server 6 is performed. finish.
- the information processing terminal 4 waits for a signal from the management server 6 (step S15).
- the process proceeds to step S17.
- a signal indicating abnormal termination is received. If NO (NO in step S15), the process proceeds to step S19.
- step S19 an abnormal end display and a guidance image for prompting a re-operation are displayed on the display unit 41, thereby ending (resetting) the current mode switching process.
- the received balance information is output to the short-range communication processing unit 406 by the balance information relay processing unit 4053 and then the short-range communication processing unit 406 via the short-range communication unit 46 in step S17. Then, short distance communication is performed with the cash register terminal 7 (step S21).
- the information to be communicated in the short distance includes information processing terminal 4 and member identification information.
- step T3 the cashier terminal 7 proceeds to step T5.
- the cash register terminal 7 performs an input process by the input unit 72 for requesting payment for a product purchased by the member and a service provided to the member as a premise that Step T3 is executed.
- the consideration is sequentially input for each product and service via the input unit 72 of the cash register terminal 7, and finally the total value (cumulative value) is calculated as the transaction amount. This is done (step T1).
- step S1 mode switching instruction
- step T3 step T3 may be executed when step T1 ends.
- step T3 short-distance communication (step T3) of balance information to the cash register terminal 7 is not performed. Although it does not proceed, the same content may be communicated from the information processing terminal 4 to the cash register terminal 7 together with the process of step S19. Then, the cash register terminal 7 may receive the abnormal end signal and decide whether to wait for the above-described mode switching re-operation or to use cash settlement or other methods.
- the calculated new balance information is processed into the information processing terminal. 4 and the member identification information are transmitted to the management server 6 by the communication processing unit 703 (step T9). Further, the new balance information calculated also to the information processing terminal 4 is transmitted by the short-range communication processing unit 704 (step T11).
- the management server 6 When the balance information and the like are received from the cash register terminal 7, the management server 6 temporarily stores them (step Q19). Further, when the balance information or the like is received from the cash register terminal 7 (step S23), the information processing terminal 4 temporarily stores the received new balance information in the temporary storage unit 003. It is transmitted to the management server 6 (step S25).
- the management server 6 When the management server 6 receives balance information or the like from the information processing terminal 4 (step Q21), the new balance information received from the cash register terminal 7 and the balance information received from the information processing terminal 4 are collated. (Step Q23). If both balance information matches (YES in step Q25), the new balance information received from the cashier terminal 4 (or the information processing terminal 4) is updated and stored in the storage area of the member in the transaction history storage unit 63. (Step Q27). Next, the fact that the electronic transaction has been properly processed and the normal end information are transmitted to the information processing terminal 4 and the cash register terminal 7 (step Q29), whereby the processing of the management server 6 ends. On the other hand, if the balance information does not match at step Q25, the abnormal termination process and information to that effect are transmitted to the corresponding information processing terminal 4 and cash register terminal 7 (step Q31), whereby the process of the management server 6 is performed. Ends.
- the cashier terminal 7 waits for reception of a signal from the management server 6 (step T13). If the received signal is normal end information, the electronic transaction result is stored in the history storage unit 75 (step T15), and then The process proceeds to input waiting for the next transaction (step T19). On the other hand, if the received signal from the management server 6 is abnormal end information, the current electronic transaction content is discarded (step T17), and the process proceeds to input waiting for the next transaction (step T19).
- the information processing terminal 4 waits for reception of a signal from the management server 6 (step S27). If the received signal is normal end information, the new balance information received from the cash register terminal 7 in step S23 is The balance information update processing unit 4054 is updated and stored in the balance information storage unit 4004 (step S29), and then a specific mode end process, for example, a process for automatically switching the specific mode to the general mode or a return to the general mode is accepted. The mode switching process is executed by being permitted and responding to this (step S31), and this flow ends. On the other hand, if the received signal from the management server 6 is abnormal termination information, a guidance image for prompting the abnormal termination display and re-operation is displayed on the display unit 41, and the current electronic transaction content is discarded (step S33). ), The flow ends after the end processing of the specific mode.
- a specific mode end process for example, a process for automatically switching the specific mode to the general mode or a return to the general mode is accepted.
- the mode switching process is executed by being permitted and responding to this
- FIG. 9 is a flowchart showing an example of a settlement instruction between the management server 6 and the financial institution server 8.
- the settlement processing unit 605 of the management server 6 sends a settlement instruction file to the corresponding financial institution server 8 (step Q101).
- the settlement instruction file includes at least the transaction financial institution of the corresponding member and its account number, the transaction financial institution of the store manager having the cash register terminal 7 and its account number, and transaction amount information.
- the financial institution serving as the transmission destination is preferably the financial institution of the store manager, but it may be a member financial institution.
- the member's account will be transferred to the store manager's account, and vice versa. Become.
- settlement may be made between the two financial institutions.
- Step ST1 When the financial institution server 8 receives the settlement instruction file, the financial institution server 8 keeps the server 8 sequentially or temporarily, and executes general settlement processing with the counterpart financial institution computer at a predetermined time.
- the settlement instruction file For example, when the settlement instruction file is transmitted to the store manager's financial institution, the member's financial institution is instructed to transfer the transaction amount to the store manager's account.
- the settlement process in step ST1 may be executed by another computer system of the financial institution.
- the financial institution server 8 transmits a message to that effect to the management server 6 (step ST3).
- the payment processing unit 605 stores the payment completed information corresponding to the current transaction in the corresponding transaction history storage unit 63 (step Q103).
- the present embodiment has been described with reference to a cash register terminal in a store, the present invention is not limited to a store, and is applicable to all places where payment is made when various products are purchased or various services are provided. Is possible.
- the update storage of balance information in the balance information storage unit 4004 may be updated by overwriting the previous value, or may be updated and stored with at least the previous balance information remaining. In the latter mode, when the management server 6 finally determines abnormal termination, the new balance information is first updated as the latest balance information, and the latest balance information is discarded when the abnormal termination is found. You may make it return to the balance information. Note that the update storage of the balance information in the balance information storage unit 4004 may be balance information received from the management server 6 when the result of the subsequent verification matches, instead of the balance information received from the cash register terminal. Good.
- the electronic transaction may be canceled.
- the replenishment of the balance may be performed by drawing a desired amount of money from the own account of the transaction financial institution to the own transaction history storage unit 63 of the management server 6 as in the prepaid type.
- the withdrawal instruction file is transmitted from the information processing terminal 4 to the management server 6, and upon receipt of the withdrawal request file, the management server 6 stores the desired amount from the account of the financial institution in which the member trades. You may make it make the instruction
- the electronic money to be replenished is temporarily stored in the replenishment memory unit, that is, stored separately from the balance.
- prior collation is executed in the same manner as in the present embodiment and collated with the balance to clear the prior collation, and immediately thereafter, that is, the balance is transmitted from the transaction history storage unit 63 to the information processing terminal 4 as electronic money.
- the replenishment amount is added to the balance, the new balance resulting from the replenishment is updated in the transaction history storage unit 63, and this amount may be transmitted to the information processing terminal 4.
- a new balance may be set by adding the same amount to the balance information storage unit 4004 of the information processing terminal 4 at the same time as executing the replenishment process in the transaction history storage unit 63.
- the balance may be stored in the member information storage unit 62 instead of the transaction history storage unit 63.
- the electronic transaction may be stopped, but a method of continuing the transaction as follows may be adopted.
- the shortage amount may be paid in cash, or the credit card information of the owner of the information processing terminal 4 may be associated with the information processing terminal 4 in advance, and the shortage amount may be supplemented from the credit card.
- authentication is performed when a specific mode is designated.
- various other methods can be used for authentication processing.
- authentication is not always necessary, and high security can be ensured by pre-collation and post-collation.
- the payment instruction may be issued from the cashier terminal 7 instead of the management server 6.
- the cash register terminal 7 receives the transaction information file stored in the management server 6, attaches the file, and gives a settlement instruction together with information necessary for settlement as shown in FIG. What is necessary is just to perform with respect to the server 8.
- notification means such as a sound generating member for notifying information by voice may be employed.
- the authentication process is performed when the switch to the specific mode is activated when the icon 41b is selected. Instead, information from the information processing terminal 4 to the management server 6 is used. It is good also as an aspect which authenticates whenever it transmits. In this embodiment, it is every time the balance information for pre-matching and post-matching is transmitted to the management server 6. Before the balance information is transmitted, an authentication request signal including information for authentication is transmitted, and when the authentication is affirmed, the balance information is transmitted.
- icons are used as operation members for mode switching and AP selection, but keys, buttons, and other operation input members provided in advance in an information processing terminal to which the present invention can be applied. Good.
- the specific mode may be activated when the power switch 43 is turned on with the external device 4a loaded in the information processing terminal 4.
- the cash register terminal 7 has been described as being provided in the store.
- the present invention is not limited to this, and the present invention is also applicable to an apparatus that sells products unattended outside the store. That is, for example, when various products are stored in the storage, when a user inserts a coin from a coin insertion slot and presses a product button corresponding to a desired type, the product is externally connected via the product transport means. It is applicable also to what is called a known vending machine carried out to a vehicle.
- the vending machine includes an apparatus unit having the information processing function and communication function of the cash register terminal 7 described above, and a short-range communication unit 73 that performs short-range communication with the information processing terminal 4 at an appropriate surface of the storage. It suffices to have a configuration corresponding to.
- a specific mode different from the general-purpose mode in which normal operation is performed is provided, and electronic transaction processing can be executed in this specific mode.
- the present invention is not limited to such a mode.
- the specific mode is not an indispensable aspect, and an electronic transaction process may be selectably provided in one of the normal operations without providing the specific mode separately. Even in this aspect, security can be achieved by pre-collation and post-collation.
- the present invention is an electronic transaction system in which transactions are performed with a cashier terminal using a communication function provided in a member information processing terminal.
- a management server having an electronic money storage unit that is capable of information communication with the information processing terminal and the cash register terminal via a network, and stores electronically owned money of a member and balance information updated for each transaction; Prepared, The cash register terminal obtains the balance information from the electronic money storage unit for each transaction via the information processing terminal, and calculates a balance by subtracting the transaction amount from the acquired balance information;
- a first communication means for transmitting the calculated balance information to the management server and transmitting to the information processing terminal for each calculation;
- the information processing terminal transmits balance information stored in the balance information storage unit to the management server each time a transaction is started, and balance calculation.
- Second communication means for transferring balance information transmitted by the first communication means to the management server every time,
- the management server collates the balance information transmitted from the balance information storage unit of the information processing terminal by the second communication unit with the balance information stored in the electronic money storage unit before starting the transaction.
- a post-verification unit and a post-verification unit that compares the balance information transmitted from the cash register terminal by the first communication unit and the balance information transferred from the information processing terminal by the second communication unit for each balance calculation
- a third communication unit that transmits balance information stored in the electronic money storage unit to the information processing terminal when the result of the prior verification matches with the verification unit;
- the first update means for updating the balance information transmitted from the cashier terminal by the first communication means to the electronic money storage unit when the results of
- the second communication means of the information processing terminal further transfers the balance information transmitted from the electronic money storage unit of the management server to the cashier terminal by the third communication means;
- the information processing terminal receives the balance information transmitted by the first communication means and the balance information acquired by being transmitted from the management server every time the
- the balance information as electronic money of the management server and the balance information of the information processing terminal are collated in advance and each time the balance is calculated, the balance information is received directly from the cashier terminal.
- the electronic money of the management server and the balance information of the information processing terminal are obtained. If one of the preceding and subsequent matching results does not match, the electronic transaction is prohibited from being monitored, so that unauthorized operations on the information processing terminal side or the cash register terminal side can be effectively prevented.
- the post-verification unit causes the information processing terminal and the cashier terminal to instruct to stop the process and stops the process of the first update unit when the collation result does not match. It is preferable. According to this configuration, when information changes due to information tampering or the like on one of the cash register terminal and the information processing terminal, the subsequent operation of each unit is stopped, so that incorrect information may be accumulated in the system. Disappear.
- the information processing terminal and the cash register terminal each include short-range communication means capable of information communication at a short distance, and each short-range communication means includes the first communication means and the second communication means. It is preferable that information communication is performed between the information processing terminal and the cash register terminal. According to this configuration, since the information processing terminal is assumed to be operated at the place where the cash register terminal is installed, unauthorized use by others is suppressed due to such physical position restrictions.
- the information processing terminal includes mode setting means for setting a mode for conducting a transaction, and the second communication means receives the mode setting and manages the balance information stored in the balance information storage unit. It is preferable that it is what is transmitted to a server. According to this configuration, the information processing terminal needs to have a mode for conducting a transaction in advance, and when this mode is set by a member, the balance is set from the information processing terminal, which is the first operation of the system. Since information is transmitted to the management server, more secure processing is possible.
- the information processing terminal receives mode setting by the mode setting means, and transmits at least each identification information for identifying the information processing terminal and the member to the management server by the second communication means, and the management server
- the member information storage unit that stores the information processing terminal and the member in association with each other, collates whether or not the received identification information is stored in association with the member information storage unit. It is preferable to provide an authenticating means for permitting the electronic transaction when affirmative. According to this configuration, since the validity of the information processing terminal and the member who operates the information processing terminal is confirmed, secure transaction processing is possible.
- the information processing terminal includes a loading unit into which an external device can be loaded. Information can be exchanged with the loaded external device.
- the external device includes at least the balance information storage unit and the first information storage unit. It is preferable to provide two communication means. According to this configuration, for example, at the time of member registration, it is only necessary to receive an external device, and processing for writing software in a specific mode in the information processing terminal is not required.
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Abstract
Description
ネットワークを介して前記情報処理端末及び前記レジ端末と情報通信が可能にされ、会員が所有する電子マネーであって取引毎に更新される残高情報が保管される電子マネー記憶部を有する管理サーバを備え、
前記レジ端末は、取引毎に前記電子マネー記憶部から前記残高情報を前記情報処理端末を経由して取得し、取得した残高情報から取引額を減算して残高を算出する残高計算手段と、残高算出毎に、算出された残高情報を前記管理サーバに送信すると共に、前記情報処理端末に送信する第1の通信手段とを備え、
前記情報処理端末は、残高情報が照合用情報として記憶される残高情報記憶部と、取引開始毎に前記残高情報記憶部に記憶されている残高情報を前記管理サーバに送信すると共に、前記残高算出毎に前記第1の通信手段によって送信された残高情報を前記管理サーバに転送する第2の通信手段とを備え、
前記管理サーバは、取引開始前に、前記第2の通信手段によって前記情報処理端末の前記残高情報記憶部から送信された残高情報と前記電子マネー記憶部に記憶されている残高情報とを照合する事前照合手段と、前記残高算出毎に、前記第1の通信手段によって前記レジ端末から送信された残高情報と前記第2の通信手段によって前記情報処理端末から転送された残高情報とを照合する事後照合手段と、事前照合の結果が一致した場合に、前記電子マネー記憶部に記憶されている残高情報を前記情報処理端末に送信する第3の通信手段と、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって前記レジ端末から送信される残高情報を前記電子マネー記憶部に更新する第1の更新手段とを備え、
前記情報処理端末の前記第2の通信手段は、さらに前記第3の通信手段によって前記管理サーバの電子マネー記憶部から送信された前記残高情報を前記レジ端末に転送するものであり、
前記情報処理端末は、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって送信された残高情報及び前記管理サーバから送信されることによって取得される残高情報の一方を前記残高情報記憶部に更新記憶する第2の更新手段とを備えたことを特徴とするものである。
以下のようにして行われる。なお、汎用モード及び特定モードの動作環境においては、レジ端末7と管理サーバ6との間、情報処理端末4と管理サーバ6との間で、いずれも所定のプロトコル、代表的にはTCP/IP(transmission control protocol/internet protocol)規約に沿って形成されたパケットによって情報ファイルの送受信が行われる。また、近距離通信については、ISO/IEC18092(ECMA-340)、ISO/IEC21481(ECMA-342)、ISO/IEC14443、ISO/IEC15693、JISX6319-4(Felica)等のプロトコルが使用可能である。
ネットワークを介して前記情報処理端末及び前記レジ端末と情報通信が可能にされ、会員が所有する電子マネーであって取引毎に更新される残高情報が保管される電子マネー記憶部を有する管理サーバを備え、
前記レジ端末は、取引毎に前記電子マネー記憶部から前記残高情報を前記情報処理端末を経由して取得し、取得した残高情報から取引額を減算して残高を算出する残高計算手段と、残高算出毎に、算出された残高情報を前記管理サーバに送信すると共に、前記情報処理端末に送信する第1の通信手段とを備え、
前記情報処理端末は、残高情報が照合用情報として記憶される残高情報記憶部と、取引開始毎に前記残高情報記憶部に記憶されている残高情報を前記管理サーバに送信すると共に、前記残高算出毎に前記第1の通信手段によって送信された残高情報を前記管理サーバに転送する第2の通信手段とを備え、
前記管理サーバは、取引開始前に、前記第2の通信手段によって前記情報処理端末の前記残高情報記憶部から送信された残高情報と前記電子マネー記憶部に記憶されている残高情報とを照合する事前照合手段と、前記残高算出毎に、前記第1の通信手段によって前記レジ端末から送信された残高情報と前記第2の通信手段によって前記情報処理端末から転送された残高情報とを照合する事後照合手段と、事前照合の結果が一致した場合に、前記電子マネー記憶部に記憶されている残高情報を前記情報処理端末に送信する第3の通信手段と、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって前記レジ端末から送信される残高情報を前記電子マネー記憶部に更新する第1の更新手段とを備え、
前記情報処理端末の前記第2の通信手段は、さらに前記第3の通信手段によって前記管理サーバの電子マネー記憶部から送信された前記残高情報を前記レジ端末に転送するものであり、
前記情報処理端末は、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって送信された残高情報及び前記管理サーバから送信されることによって取得される残高情報の一方を前記残高情報記憶部に更新記憶する第2の更新手段とを備えたことを特徴とするものである。
3 無線LAN(第2、第3の通信手段の一部)
4 情報処理端末
42 タッチパネル
46 近距離通信部(第2の通信手段の一部、近距離通信手段の一部)
47 無線LAN通信部(第2の通信手段の一部)
400 制御部
402 汎用AP処理部
403 モード切替処理部(モード設定手段)
404 認証処理部
405 特定AP処理部
406 近距離通信処理部(第2の通信手段の一部、近距離通信手段の一部)
407 無線LAN処理部(第2の通信手段の一部)
4002 特定プログラム記憶部
4004 残高情報記憶部
4052 残高情報出力処理部(第2の通信手段の一部)
4053 残高情報中継処理部(第2の通信手段の一部)
4054 残高情報更新処理部(第2の更新手段)
6 管理サーバ
60 制御部
62 会員情報記憶部
63 履歴情報記憶部(電子マネー記憶部)
601 認証処理部(認証手段)
602 事前照合部(事前照合手段)
603 事後照合部(事後照合手段)
604 情報更新処理部(第1の更新手段)
605 決済処理部
606 通信処理部(第3の通信手段)
7 レジ端末
70 制御部
73 近距離通信部(第1の通信手段の一部、近距離通信手段の一部)
701 取引額計算部
702 残高計算部(残高計算手段)
703 通信処理部(第1の通信手段の一部)
704 近距離通信処理部(第1の通信手段の一部、近距離通信手段の一部)
Claims (9)
- 会員の情報処理端末が備える通信機能を利用してレジ端末との間で取引を行う電子取引システムにおいて、
ネットワークを介して前記情報処理端末及び前記レジ端末と情報通信が可能にされ、会員が所有する電子マネーであって取引毎に更新される残高情報が保管される電子マネー記憶部を有する管理サーバを備え、
前記レジ端末は、取引毎に前記電子マネー記憶部から前記残高情報を前記情報処理端末を経由して取得し、取得した残高情報から取引額を減算して残高を算出する残高計算手段と、残高算出毎に、算出された残高情報を前記管理サーバに送信すると共に、前記情報処理端末に送信する第1の通信手段とを備え、
前記情報処理端末は、残高情報が照合用情報として記憶される残高情報記憶部と、取引開始毎に前記残高情報記憶部に記憶されている残高情報を前記管理サーバに送信すると共に、前記残高算出毎に前記第1の通信手段によって送信された残高情報を前記管理サーバに転送する第2の通信手段とを備え、
前記管理サーバは、取引開始前に、前記第2の通信手段によって前記情報処理端末の前記残高情報記憶部から送信された残高情報と前記電子マネー記憶部に記憶されている残高情報とを照合する事前照合手段と、前記残高算出毎に、前記第1の通信手段によって前記レジ端末から送信された残高情報と前記第2の通信手段によって前記情報処理端末から転送された残高情報とを照合する事後照合手段と、事前照合の結果が一致した場合に、前記電子マネー記憶部に記憶されている残高情報を前記情報処理端末に送信する第3の通信手段と、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって前記レジ端末から送信される残高情報を前記電子マネー記憶部に更新する第1の更新手段とを備え、
前記情報処理端末の前記第2の通信手段は、さらに前記第3の通信手段によって前記管理サーバの電子マネー記憶部から送信された前記残高情報を前記レジ端末に転送するものであり、
前記情報処理端末は、前記残高算出毎で、かつ事後照合の結果が一致した場合に、前記第1の通信手段によって送信された残高情報及び前記管理サーバから送信されることによって取得される残高情報の一方を前記残高情報記憶部に更新記憶する第2の更新手段とを備えたことを特徴とする電子取引システム。 - 前記事後照合手段は、照合結果が不一致の場合、前記第3の通信手段によって前記情報処理端末及び前記レジ端末に処理を停止する指示信号を送出すると共に、前記第1の更新手段の処理を停止させることを特徴とする請求項1記載の電子取引システム。
- 前記情報処理端末及び前記レジ端末は、近距離で情報通信が可能な近距離通信手段をそれぞれ備え、前記各近距離通信手段は、前記第1の通信手段及び前記第2の通信手段における前記情報処理端末と前記レジ端末との間の情報通信を行うものであることを特徴とする請求項1又は2に記載の電子取引システム。
- 前記情報処理端末は、取引を行うモードを設定するモード設定手段を備え、前記第2の通信手段は、前記モード設定を受けて前記残高情報記憶部に記憶されている残高情報を前記管理サーバに送信するものであることを特徴とする請求項1~3のいずれかに記載の電子取引システム。
- 前記情報処理端末は、前記モード設定手段によるモード設定を受けて、少なくとも前記情報処理端末及び会員を識別する各識別情報を前記第2の通信手段によって前記管理サーバに送信し、
前記管理サーバは、前記情報処理端末と会員とを対応付けて記憶する会員情報記憶部と、受信した少なくとも前記各識別情報が前記会員情報記憶部に対応付けて記憶されているか否かを照合し、照合が肯定された場合に、前記電子取引を許可する認証手段とを備えることを特徴とする請求項4に記載の電子取引システム。 - 前記情報処理端末は、外部デバイスが装填可能な装填部を有し、装填された外部デバイスとの間で情報の授受が可能にされ、前記外部デバイスは、少なくとも前記残高情報記憶部及び第2の通信手段を備えることを特徴とする請求項1~5のいずれかに記載の電子取引システム。
- 請求項1~6のいずれかに記載の電子取引システムに用いられる電子取引が可能な情報処理端末。
- 請求項1~6のいずれかに記載の電子取引システムに用いられる電子取引用の管理サーバ。
- 請求項1~6のいずれかに記載の電子取引システムに用いられる電子取引が可能なレジ端末。
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