JP2006195921A - Electronic money issuing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money issuing system capable of preventing illegal use of electronic money by a third party to the utmost. <P>SOLUTION: This electronic money issuing system has: a panel computer 50 and a bank ASP having a wireless LAN antenna 51, a store entering detection post 53 and a store leaving detection post 54 for detecting entering into and leaving from a store, and a customer information table for storing a balance associatively to a user ID, acquiring the user ID from a portable panel terminal 100 for detecting the store entering, specifying the balance, and executing a bill issuing process for issuing a bill ID of a prescribed amount of the balance or less; and the portable panel terminal 100 having a CPU, a sheet display, a cash box data area storing the user ID, a wireless LAN module, and a battery, usably storing the issued bill ID, and erasing the stored bill ID subject to the detection of the leaving from the store. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an electronic device comprising a portable panel terminal that can be carried by a user, and an electronic money issuing device that uses the portable panel terminal to issue electronic money that the user can use in a store to the portable panel terminal. It relates to a money issuing system.

  In recent years, along with the development of IC card technology, electronic money using these IC cards has been developed. On the other hand, with the remarkable spread of mobile phones as portable information devices, the functions of these electronic money have been given to these mobile phones. By doing so, these electronic money are spreading rapidly.

  However, in mobile phones that are portable information devices equipped with these electronic money functions, an electronic money amount stored in the mobile phone cannot be used by anyone other than an authorized owner, such as a password identification function or a fingerprint. Some devices have a biometric authentication function, but even if these identity verifications are performed, if a user loses these cellular phones or if they are stolen illegally, electronic money stored by a third party is stored. Check the amount and if the remaining amount is large, the amount of electronic money is illegally used due to unauthorized modification of the mobile phone or analysis of personal information or stored data in the mobile phone. There was a problem that it might end.

  The present invention has been made paying attention to such problems, and an object thereof is to provide an electronic money issuing system capable of preventing unauthorized use of electronic money by a third party as much as possible.

In order to solve the above-described problem, an electronic money issuing system according to claim 1 of the present invention provides:
To store a program execution unit for executing a program, a display unit for displaying display contents based on a program executed by the program execution unit, and user identification information uniquely given to the user A user identification information storage unit, a wireless communication unit for performing wireless data communication with an external device, and a power supply unit for supplying operating power to each unit, and carried by the user Enabled mobile panel terminals,
Wireless data communication means installed in a store and performing wireless data communication with the wireless communication unit of the mobile panel terminal existing in the store;
The store entrance and exit detection means for detecting entrance and exit of the mobile panel terminal to the store,
An electronic money amount storage means for storing an electronic money amount owned by the user in association with user identification information uniquely given to the user, and connected to the wireless data communication means so as to be able to perform data communication An electronic money issuing device,
An electronic money issuing system comprising:
The electronic money issuing device acquires user identification information stored in the user identification information storage unit from a portable panel terminal that has detected a store entry by the store entry / exit detection means, and the acquired user identification information The electronic money amount stored in the electronic money amount storage means is specified in association with the electronic money amount, and a predetermined amount of electronic money within the specified electronic money amount is detected with respect to the mobile panel terminal that has detected the entry. To issue electronic money to issue
The portable panel terminal stores the electronic money issued in the electronic money issuing process in an available manner, and stores the electronic money stored on the condition that the store entry / exit detection means detects the exit. It is characterized by erasing.
According to this feature, electronic money is automatically issued by detecting the entry of the mobile panel terminal and the electronic money can be used at the store, while the exit of the mobile panel terminal is detected. As a result, the electronic money stored in the mobile panel terminal is automatically deleted, so that the electronic money can be used only in a situation where the mobile panel terminal exists in the store. Even if it is lost or illegally stolen, the amount of electronic money cannot be confirmed outside the store, so that unauthorized use of electronic money by a third party can be prevented as much as possible.

An electronic money issuing system according to claim 2 of the present invention is the electronic money issuing system according to claim 1,
The portable panel terminal displays an image of the electronic money stored in a usable manner on the display unit based on an application program for using the electronic money.
According to this feature, the type and amount of the issued electronic money are displayed on the display unit, so that the user can easily visually grasp the type and amount of the issued electronic money.

The electronic money issuing system according to claim 3 of the present invention is the electronic money issuing system according to claim 1 or 2,
The electronic money issuing device is characterized in that money identification information that is unique for each issue is given to each electronic money to be issued.
According to this feature, even in electronic money issued to the same user, different money identification information is given to electronic money issued by entering each store. It is possible to reduce fraud and the like due to the theft of money identification information of money, thereby improving the security performance of electronic money.

The electronic money issuing system according to claim 4 of the present invention is the electronic money issuing system according to any one of claims 1 to 3,
The electronic money issuing device includes an issue amount storage means in which the predetermined amount is stored in association with the type of the store, and information that can specify the type of the store in the electronic money issue processing is the user identification information And a predetermined amount of electronic money stored in the issued amount storage means corresponding to the type of store specified from the acquired information is issued.
According to this feature, a predetermined amount of electronic money according to the type of store is issued. For example, the predetermined amount is set to an amount corresponding to the unit price of the product sold at the store. Thus, it is possible to reduce the processing and communication load associated with the unnecessary issue of electronic money.

An electronic money issuing system according to claim 5 of the present invention is the electronic money issuing system according to any one of claims 1 to 4,
The electronic money issuing device includes an issuance denomination storage unit that stores a money type and quantity of the electronic money to be issued in association with the type of the store, and specifies the type of the store in the electronic money issuing process. Acquiring possible information together with the user identification information, and issuing electronic money of the currency type and quantity stored in the issuing denomination storage means corresponding to the type of store specified from the acquired information It is characterized by.
According to this feature, electronic money of a currency type according to the type of the store is issued. For example, these currency types are set to a currency type according to the unit price of the product sold at the store. Thus, payment according to the usage amount can be efficiently implemented by combining the types of money, and the convenience for the user can be improved.

The electronic money issuing system according to claim 6 of the present invention is the electronic money issuing system according to any one of claims 1 to 5,
The electronic money issuing device is used based on reception of a payment request including information that can identify electronic money used for payment transmitted from a payment terminal installed in the store and a usage amount. If the amount of unused electronic money in the issuance of electronic money is greater than or equal to the total amount of used electronic money, the total amount of used electronic money When the amount of unused electronic money for issuing electronic money is less than the total amount of the used electronic money, the electronic money corresponding to the unused amount of electronic money is issued to supplement the electronic money. Conduct electronic money replenishment processing,
The portable panel terminal stores the electronic money issued in the electronic money replenishment process so as to be usable.
According to this feature, since the user uses electronic money without performing any special operation, the electronic money is replenished to the portable panel terminal, so that convenience for the user can be improved.

  Examples of the present invention will be described below.

  FIG. 1 is a diagram showing a configuration of a service providing system (hereinafter abbreviated as a system) to which a portable panel terminal 100 of the present invention is applied.

  As shown in FIG. 1, the system of this embodiment includes a mobile panel terminal 100 having a wireless LAN (Local Area Network) communication function used by a carrier (operator), and these mobile panel terminals 100. And a panel control computer 50 installed in a store (in this embodiment, XX department store), and a plurality of general computers connected to the panel control computer 50 via the Internet network. An ASP (Application Service Provider) server (for example, an electronic book ASP that sells electronic book data), and a plurality of TAPs (data communication devices) connected to the panel control computer 50 via a dedicated communication network ( Tap) server (in this example, user ASP, OO department store ASP, bank ASP), and the mobile panel terminal 100 is connected to the general ASP server 20 and the TAP server 10 via the panel control computer 50 and the IP (Internet Protocol). ) Can be used for data communication.

  As shown in FIG. 1, the wireless LAN of this embodiment is formed for each store as a communication area for wireless communication based on a wireless LAN antenna 51 connected to the panel control computer 50 so as to be able to perform data communication. Moreover, although the wireless LAN antenna 51 is provided for each store in the present embodiment, the present invention is not limited to this, and the wireless LAN antenna 51 for forming these communication areas may be other than the store. The communication area may be formed by arranging it outdoors, such as in an urban area. The store in the present invention includes a store that sells products, and a stadium, a theater, a movie theater, and the like that are paid to enter are also included in the store in the present invention.

  In addition, as shown in FIG. 1, the panel control computer 50 includes a store entry detection post 53 provided on the left and right inside the store entrance, and a store exit detection provided on the left and right outside the store at the store entrance. The posts 54 are connected to each other, and each post can detect the mobile panel terminal 100 passing between the posts based on wireless communication. With these store entry detection post 53 and store exit detection post 54, the panel control computer 50 can specify that the portable panel terminal 100 has entered the store and that it has exited the store. Specifically, when the panel control computer 50 detects the passage of the mobile panel terminal 100 in the order from the store entry detection post 53 to the store exit detection post 54, the panel control computer 50 specifies that the mobile panel terminal 100 that has passed has been exited. When the passage of the mobile panel terminal 100 is detected in the order from the store exit detection post 54 to the store entrance detection post 53, it is specified that the mobile panel terminal 100 that has passed is entered.

  That is, the store entry detection post 53, the store exit detection post 54, and the panel control computer 50 (CPU) that are installed in the store and detect the entry and exit of the portable panel terminal 100 to the store are included in the entrance / exit of the present invention. Form shop detection means.

  Further, as shown in FIG. 1, the panel control computer 50 is used for settlement, which enables non-contact short-range communication with the portable panel terminal 100 via radio so that the communication content is difficult to intercept. A terminal 52 is connected, and the settlement terminal 52 enables the panel control computer 50 to perform short distance communication with the mobile panel terminal 100 with high secrecy.

  Further, the Internet network of this embodiment is an open computer network, and the panel control computer 50 and the general ASP server 20 connected to the Internet network are from ordinary computers other than the portable panel terminal 100 or the like. Are also accessible. That is, a global IP address is assigned to each of the communication interface for connecting to the Internet network included in the panel control computer 50 and the communication interface for connecting to the Internet network included in the general ASP server 20.

  Further, the dedicated communication network of this embodiment is a closed computer network, and the TAP server 10 connected to these dedicated communication networks can be accessed only from the mobile panel terminal 100, in other words, other than the mobile panel terminal 100. The computer cannot be accessed from ordinary computers. In this embodiment, a private IP address is assigned to each of the communication interface for connecting to the dedicated communication network included in the panel control computer 50 and the communication interface for connecting to the dedicated communication network included in the TAP server 10. ing.

  Further, the portable panel terminal 100 according to the present embodiment will be described below. As shown in FIG. 11A, the appearance of the portable panel terminal 100 according to the present embodiment is a notebook shape that can be folded and opened in a double-folded form. The outer surface of the terminal is covered with a synthetic leather case 200 in the same manner as a normal notebook. A substrate on which various devices are mounted in the synthetic leather case 200 and various units. In addition, a lithium-ion battery serving as a power supply unit in the present invention for supplying operating power to these various devices and substrates is housed or mounted.

  Then, on the surface of the synthetic leather case 200, as shown in FIG. 11A, a wireless LAN in which the portable panel terminal 100 is connected to a panel control computer 50 installed in a store or the like, as will be described later. When entering the communication area by the antenna 51 (see FIG. 1), a menu of functions that can be used by a menu application program (hereinafter referred to as a menu application) transmitted from the panel control computer 50 is selectable. From the small sub-display 111 to be displayed and a CCD for acquiring the fingerprint of the carryer (operator) in order to confirm the identity of the carryer (operator) when using the electronic bill described later A fingerprint sensor 122 is provided.

  Further, a thin transparent touch panel film 110 is stacked on the surface of the small sub-display 111, and the sub-display 111 is identified by specifying a position pressed by a carrier (operator) on the sub-display 111. It is possible to specify which content of the menu displayed in 111 is selected.

  In addition, as shown in FIG. 12, the portable panel terminal 100 has a plurality (five in the present embodiment) of display sheets 118 having sheet-like sheet displays 115 on both sides, in the folding center portion of the synthetic leather case 200. By fixing the one side, the sheet display 115 of any display sheet 118 can be exposed (opened) by turning the individual display sheets 118.

  As with the sub display 111, a thin transparent touch panel film 114 is also stacked on the surface of the sheet display 115 of the present embodiment, and is pressed on the sheet display 115 by a carrier (operator). By specifying the position, interactive input operations can be performed.

  The device configuration of the mobile panel terminal 100 according to the present embodiment will be described in more detail with reference to FIG. 13. To the data bus 101 controlled by the bus control LSI 109 that transmits and receives data inside the mobile panel terminal 100, A central processing unit (CPU) 102 for executing various processes performed by the portable panel terminal 100 based on a program, a card interface (I / F) 103 for connecting a memory card, various interface cards, etc. For receiving press position data output from the touch panel drivers 113 and 117 connected to the touch panel drivers 113 and 117 for controlling the operation of the transparent touch panel film 114 accumulated on the sub-display 111 and the sheet displays 115. Panel input interface Display interface for outputting display data to each of the display drivers 112 and 116 connected to the display drivers 112 and 116 for controlling the display of the ASI (I / F) 104 and the sub-display 111 and each of the sheet displays 115 ( I / F) 105, input / output interface (I / F) 106 to which various input / output devices and sensors are connected, communication interface (I / F) 107 to which various communication modules are connected, ROM And a configuration similar to that of a normal computer to which a storage device 108 such as an EEPROM or RAM is connected.

  The panel input I / F 104 and the display I / F 105 have a panel number assigned to each sheet display 115 and the touch panel driver 117 of the transparent touch panel film 114 in which the sheet display 115 is accumulated. Assigned to the connection port to which the display driver 116 is connected, a panel number is assigned to the operation position information input from the touch panel driver 117 by the panel input I / F 104, and the data is transmitted via the data bus 101. The display data to which the panel number is assigned from the CPU 102 is output to the display I / F 105, and the display data is output to the display driver 116 corresponding to the assigned panel number. Is supposed to be output .

  That is, the CPU 102 corresponds to the program execution unit in the first term of the present invention. Each sheet display 115 corresponds to a display unit of the present invention.

  As these sheet displays 115, a sheet-like film display capable of high-definition dot matrix display can be suitably used, and in this embodiment, these thin displays can be supported and bent to some extent. However, the display performance is not significantly reduced, and since it is a self-luminous type, a backlight is not necessary, etc., a black and white organic EL display is used. However, the present invention is limited to this. Of course, organic EL displays of multi-color or full-color display may be used, and active transistors are formed on flexible plastic films, etc. using low-temperature polysilicon forming technology that has been developed recently. A matrix type liquid crystal panel or the like can be preferably used.

  Moreover, as the transparent touch panel film 114, a known transparent touch panel, for example, a transparent polyester film or the like in which a transparent electrode is formed can be suitably used.

  In the present embodiment, five display sheets 118 having sheet displays 115 on both sides thereof, that is, a total of ten sheet displays 115 from sheet panel 1 (panel number 1) to sheet panel 10 (panel number 10). The number of the display sheets 118 is fixed, but the present invention is not limited to this, and the display sheets 118 can be attached and detached by the portable panel terminal 100 main body and a connector. The carryer (operator) may increase or decrease the number according to the use situation.

  As shown in FIG. 12 and FIG. 14, tabs 115 ′ protruding from the display sheets 118 do not overlap with the tabs 115 ′ of the display sheets 118. And a page selection sensor 120 composed of ten photo switches S1 to S10 for detecting the proximity of the tab 115 ′ of each display sheet 118 based on the presence or absence of incident light. It is provided on the main body side, and as shown in FIG. 14, it is associated with the light detection status (switch ON / OFF) of each photoswitch and is in the exposure status in the detection status. The panel number for the active state (display operation state) is stored in the ROM described above. The panel number of the opened (exposed) sheet display 115 is specified, and the sheet display 115 of the specified panel number is activated (display operation state), while other panel numbers Since the seat display 115 is in an inactive state (display stop state), it is possible to prevent battery consumption due to useless display.

  Further, in the mobile panel terminal 100 according to the present embodiment, when the mobile panel terminal 100 enters the area, each of the mobile panel terminals 100 displayed by being displayed on the sub-display 111 and selected by the carrier (operator) as described above is downloaded. A panel number is assigned to each application program (hereinafter abbreviated as an application) as shown in FIG. 15, and the sheet display 115 having the panel number is in an active state (display operation state). Based on this, the application assigned to the panel number is executed, and the display based on the executed application is displayed on the sheet display 115 in the active state (display operation state).

  In the present embodiment, the panel display 9 and the panel display 10 with the panel number 10 serving as the fifth display sheet 118 are preliminarily stored in a predetermined application, specifically in the present embodiment, the panel number 9 has an electronic bill application. By making a reservation so that an electronic book application is assigned to the panel number 10, assignment to other applications is prohibited. In addition, although the application for electronic banknotes and the application for electronic books are acquired from the TAP server 10 mentioned later by download in the portable panel terminal 100 of a present Example, this invention is limited to this. Instead, it may be stored in advance in a form included in a base program described later in the ROM.

  As shown in FIG. 13, these page selection sensors 120 are connected to the above-described input / output I / F 106, and the input / output I / F 106 includes the page selection sensor 120 and the portable panel terminal 100. When the app is not assigned to the gyro sensor 121 for detecting the arrangement state (arrangement mode of whether it is arranged horizontally or vertically), the above-described fingerprint sensor 122, and each sheet display 115. In such a case, a keyboard (KB) panel 123, which is substantially the same as an input key of a mobile phone (not shown) for performing input when the application is not activated and input from the transparent touch panel film 114 is not performed, or an amplification amplifier Etc. are connected.

  Further, as shown in FIG. 1, the communication I / F 107 is connected to the panel control computer 50 via the wireless LAN antenna 51, and further to the panel control computer 50 via the panel control computer 50. A TAP server 10 for providing a dedicated ASP for a user of the portable panel terminal 100 provided on a dedicated communication network, and a general ASP on the Internet network connected to the panel control computer 50 are provided. Wireless communication at a short distance with the wireless LAN module 125 for performing data communication with the server computer to be performed, and the payment terminal 52 installed in a store (in this embodiment, XX department store). For this purpose, a short-range communication module 126 is connected. In this embodiment, the wireless LAN module 125 and the short-range communication module 126 are connected to the communication I / F 107. However, the present invention is not limited to this, and other than these modules, wired communication is also possible. A contact-type communication module according to the above or a non-contact communication module using light (for example, infrared rays) may be connected. Various data such as program data required by the portable panel terminal 100 are externally connected to these communication I / Fs 107, Any device that can transmit and receive to / from the control computer 50 and the payment terminal can be connected.

  That is, the wireless LAN module 125 and the short-range communication module 126 correspond to the wireless communication unit of the present invention.

  The storage device 108 includes a ROM, an EEPROM, and a RAM. The storage area of the ROM, the EEPROM, and the RAM has a single address system in which a common memory address is assigned. The ROM storage area includes a BIOS (Basic Input / Output System, basic input / output system) program for controlling each device and device (hardware) mounted on the portable panel terminal 100, Only a minimum base program for acquiring a basic program serving as an operating system for normal operation of the portable panel terminal 100 by wireless LAN communication with the panel control computer 50 is stored.

  Here, the base program in the portable panel terminal 100 of the present embodiment will be described. As shown in FIG. 1, the base program includes a wireless communication process for performing data communication with the panel control computer 50 via a wireless LAN, An IP address request process for acquiring an IP address capable of specifying the portable panel terminal 100 in the wireless LAN from the panel control computer 50 via the wireless LAN, and the basic program from the panel control computer 50 via the wireless LAN. It consists of request processing and execution processing of a basic program for acquisition and execution.

  Here, the wireless communication process included in the base program of the mobile panel terminal 100 will be described. In the wireless communication process, first, based on detection of an output signal from the wireless LAN antenna 51 installed in the store, specifically, Is formed in the wireless LAN antenna 51 on the condition that the gain of the control channel of a predetermined frequency is equal to or greater than a predetermined value, and is in a wireless LAN communication area identified by a wireless LAN ID (described later) ) Is detected. Thereafter, the portable panel terminal 100 transmits a signal including various data according to the processing status to the wireless LAN antenna 51 that has detected the output signal based on the execution of the wireless communication process.

  The upper address of the storage area of the ROM in the storage device 108 is an EEPROM storage area composed of a safe data area and a unique data area. In the unique data area, as shown in FIG. A panel ID uniquely assigned to the mobile panel terminal 100 (in this embodiment, a 12-digit serial number), the own IP address acquired from the panel control computer 50 in the IP address request processing (base program), the mobile phone Data such as a wireless LAN ID capable of identifying the wireless LAN in which the panel terminal 100 has detected the entering area, and a wireless LAN ID detection date and time as the latest time at which it is detected that the wireless LAN ID has entered the wireless LAN identified by the wireless LAN ID It is remembered.

  The panel ID in the present embodiment is data stored in advance at the time of shipment of the mobile panel terminal 100.

  In addition, for example, ESSID (Extended Service Set IDentifier) is applicable as the wireless LAN ID in this embodiment, and the output signal of the wireless LAN antenna 51 is a signal including information that can identify the wireless LAN ID such as ESSID. In the portable panel terminal 100, the wireless LAN ID can be specified based on the reception of the output signal of the wireless LAN antenna 51.

  Further, as shown in FIG. 2B, the user ID uniquely assigned to the person (operator) of the portable panel terminal 100 and the user ID are transmitted to the safe data area of the EEPROM. It is possible to identify the encryption key data used for encryption of transmitted / received data in the transmission / reception of the previous private IP address, user ID, etc., fingerprint data used for identity verification, and electronic banknotes issued by the bank ASP described later The banknote ID and other data are stored, and the safe data area is restricted so that only an electronic bill application, which is a specific application, is permitted to access. Therefore, the private IP address of the transmission destination that transmits the user ID is the IP address of the bank ASP that distributes the electronic bill application.

  That is, the safe data area of the EEPROM (see FIG. 2B) corresponds to the user identification information storage unit of the present invention.

  Note that the banknote ID in this embodiment is a banknote type ID (in this embodiment, a two-digit numerical value) that can specify the type of electronic banknote, and a serial number for each type of electronic banknote specified by the banknote type ID. (In this embodiment, a 10-digit serial number). As shown in FIG. 2C, the banknote type IDs in these examples are defined in association with banknote types. Specifically, “00” is “1000 yen”, and “01” is “2000 yen” and “02” are defined as “5000 yen”, and “03” is defined as “10000 yen”.

  The upper address of the storage area of the EEPROM in the storage device 108 is a RAM storage area, and the lower address area of the storage area of the RAM is downloaded each time the wireless LAN antenna 51 enters the communication area. The basic program area is a basic program area in which a basic program is stored, and the higher address area is an application area in which each downloaded application is stored.

  The basic program area includes a data area used by the operating system, and the basic program stored in the basic program area includes various devices mounted on the portable panel terminal 100 as shown in FIG. Various processes including input / output control processing for data input / output to / from devices, etc., and application control processing for executing one or more applications specific to each ASP acquired from the general ASP server 20 or TAP server 10 OS (Operating System) processing and out-of-service processing for detecting whether the mobile panel terminal 100 executing the basic program enters the communication area by the wireless LAN antenna 51 and then goes out of service Etc. are included.

  Next, the panel control computer 50 of the present embodiment will be described. As shown in FIG. 1, the panel control computer 50 includes a payment terminal 52 for performing non-contact data communication with the portable panel terminal 100 based on IP, and A wireless LAN antenna 51 is connected, and a store entry detection post 53 and a store exit detection post 54 for detecting entry of the portable panel terminal 100 into the store and exit from the store are connected.

  That is, the wireless LAN antenna 51 and the settlement terminal 52 that are installed in a store and perform wireless data communication with the wireless communication unit (the wireless LAN module 125 and the short-range communication module 126) of the mobile panel terminal 100 that exists in the store. The wireless data communication means of the present invention is formed.

  Although a detailed block diagram is omitted, data with the general ASP server 20 provided with a global IP address as well as a control unit composed of a CPU, RAM, ROM, etc., and a storage unit composed of a hard disk, flash memory, etc. A communication interface for performing communication based on IP via the Internet network and a communication interface for performing data communication with TAP server 10 to which a private IP address is assigned based on IP via a dedicated communication network are provided. ing.

  As described above, the panel control computer 50 includes three local communication networks including a portable panel terminal 100 formed in the store, an Internet network including the general ASP server 20, and a dedicated communication network including the TAP server 10. The computer network is a computer having a router function for interconnecting data communication based on IP.

  Here, the router function of the panel control computer 50 will be described. The panel control computer 50 is connected to the Internet network (general ASP server 20, global IP address) and the dedicated communication network from the local communication network (mobile panel terminal 100, private IP address). Data communication to (TAP server 10, private IP address), and private communication network (TAP server 10, private IP address) to private communication network (mobile panel terminal 100, private IP address) and Internet network (general ASP server 20) , The data communication to the global IP address) is allowed to pass, but from the Internet network (general ASP server 20, global IP address) to the local communication network (mobile panel terminal 100, private IP address) and dedicated Shin network (TAP server 10, a private IP address) data communication to is adapted not to pass through.

  In other words, the panel control computer 50 performs data distribution (routing) control based on the IP address that is the source and destination of data communication, and in particular can be accessed by an unspecified number of users. By preventing access from the information terminal connected to the Internet network to the mobile panel terminal 100 connected to the local communication network and the TAP server 10 connected to the dedicated communication network, information leaks due to unauthorized access. Can be suppressed.

  Further, as shown in FIG. 1, the storage unit of the panel control computer 50 generates an IP address assignment process for causing the portable panel terminal 100 to acquire an IP address, and generates the basic program and transmits it to the portable panel terminal 100. For generating and transmitting a basic program for the panel control computer 50 (to be described later) executed on the portable panel terminal 100 based on the basic program, and generating and transmitting the basic program to the portable panel terminal 100 Menu application generation processing and transmission processing, store entrance notification transmission processing for transmitting a store entrance notification based on store entrance detection of the mobile panel terminal 100 to the mobile panel terminal 100, and store exit detection of the mobile panel terminal 100 A store exit notification transmission process for transmitting a store exit notification to the mobile panel terminal 100, and a mobile panel terminal Detecting that 100 has moved out of the wireless LAN communication area and performing out-of-service processing to perform processing associated with out-of-service detection, and data communication performed by mobile panel terminal 100 with general ASP server 20 and TAP server 10 Various processing programs such as communication mediation processing, and various data such as a store information table (see FIG. 3A), an ASP information table (see FIG. 3B), an in-zone panel information table (see FIG. 3C), etc. A table is stored.

  Further, in the store information table stored in the storage unit of the panel control computer 50, the store name is stored in association with the store ID, as shown in FIG.

  The store ID in this embodiment is a store type ID (in this embodiment, a two-digit numerical value) that can specify the store type, and a serial number for each store of the type specified by the store type ID (the book ID). In the embodiment, it consists of a 10-digit serial number). As shown in FIG. 3D, the store type IDs in these examples are defined in association with ranks set in stores based on the price range of products handled in the store. , “00” is defined as rank “1” (many of high-priced products),..., “09” is defined as rank “9” (many of low-priced products).

  In addition, the ASP information table stored in the storage unit of the panel control computer 50 shows, as shown in FIG. 3 (b), a person who has entered the store where the panel control computer 50 is installed (operator). On the other hand, a list of the general ASP server 20 and the TAP server 10 that are considered to have high utility value is stored. Specifically, the names of the general ASP server 20 and the TAP server 10 are stored in association with IP addresses that can identify the general ASP server 20 and the TAP server 10.

  Further, in the in-zone panel information table stored in the storage unit of the panel control computer 50, as shown in FIG. 3 (c), the mobile phones that are within the communication area of the wireless LAN antenna 51 installed in the store. A list of panel terminals 100 is stored. Here, the portable panel terminal 100 within the communication area of the wireless LAN antenna 51 is connected to the panel control computer based on the wireless communication process included in the base program of the portable panel terminal 100 as described above. The portable panel terminal 100 that has transmitted signals including various data to the wireless LAN antenna 51 is shown. The stored contents of the in-zone panel information table indicate the panel ID of the mobile panel terminal 100 in the range, the IP address of the mobile panel terminal 100, and the last date and time when the mobile panel terminal 100 transmitted a signal. And the last detection date and time.

  Further, the bank ASP as the TAP server 10 of this embodiment is a normal server computer including a control unit including a CPU, a RAM, a ROM, and the like, and a storage unit including a hard disk, a flash memory, and the like. And in the memory | storage part of bank ASP, as shown in FIG. 1, when the portable panel terminal 100 enters a store, the banknote issuing process for issuing an electronic banknote to this portable panel terminal 100, and the said basic program In order to make a payment based on a transmission process for transmitting an electronic banknote program including a banknote display process and a payment request process, which will be described later, executed on the portable panel terminal 100 and an electronic banknote program. Payment processing, banknote collection processing for collecting electronic banknotes issued in the banknote issuance processing, and the bank ASP menu app (specific to the bank ASP) that is executed on the portable panel terminal 100 based on the basic program Menu application generation process and transmission process for generating and transmitting to the portable panel terminal 100 For example, various processing programs such as various window processing in the bank such as balance inquiry reception processing and deposit reception processing, customer information table (see FIG. 4A), issued banknote information table (see FIG. 4B), deposit and withdrawal Various data tables such as a gold history table (see FIG. 4C) are stored.

  Further, in the customer information table stored in the storage unit of the bank ASP, as shown in FIG. 4A, the current deposit of the carrier (operator) in the bank ASP is associated with the user ID. The amount, that is, the balance is stored. In the banknote issuance process of the present embodiment, which will be described later, since an electronic banknote with an amount that does not exceed the balance is issued to the carryer (operator), the balance is determined by the carryer (operator Equivalent to the amount of electronic bills owned by the

  That is, the customer information table of the bank ASP for storing the electronic money amount (balance) owned by the user in association with the user identification information (user ID) uniquely given to the user (FIG. 4 ( a))) form the electronic money storage means of the present invention.

  Moreover, in the banknote issue information table memorize | stored in the memory | storage part of bank ASP, as shown in FIG.4 (b), store classification ID which can specify the rank set to a store based on the price range of the said handling goods. In association with (refer to FIG. 3D), the reference amount of the electronic bill to be issued to the carrier (operator) who entered the store of the rank, and the denomination when issuing the electronic bill of the reference amount A table is stored.

  Further, in the deposit / withdrawal history table stored in the storage unit of the bank ASP, as shown in FIG. 4C, the portable panel terminal 100 identified by the user ID in association with the user ID. Store ID that can identify the store where the person (operator) of the store is entering, and the general ASP server on which the portable panel terminal 100 specified by the user ID has issued, deposited, and withdrawn electronic bills 20 or the IP address that can identify the TAP server 10, the date and time when the issue, deposit or withdrawal was performed, the operation type indicating whether the issue, deposit or withdrawal was performed, and the issuance, deposit or withdrawal And the amount of money that has been subject to.

  The XX department store ASP as the TAP server 10 of this embodiment is a normal server computer including a control unit including a CPU, a RAM, a ROM, and the like, and a storage unit including a hard disk, a flash memory, and the like. In the storage unit of the XX department store ASP, as shown in FIG. 1, the menu application for the XX department store ASP executed by the portable panel terminal 100 based on the basic program (information unique to the XX department store ASP). Menu application generation processing and transmission processing for generating and transmitting to the portable panel terminal 100, and registering the carry (operator) of the portable panel terminal 100 as a member of the XX department store ASP Member registration processing, order receiving processing for receiving an order for a product from a portable person (operator) of the portable panel terminal 100, and acceptance of a payment request for the commodity from a portable person (operator) of the portable panel terminal 100 Various processing programs, such as settlement acceptance processing, and shipment acceptance processing for accepting shipping destination information of goods from a person carrying the portable panel terminal 100 (operator); Customer information table (see FIG. 5 (a)), (see FIG. 5 (b)) product information table, and various data tables, such as purchase information table (see FIG. 5 (c)) are stored.

  In addition, in the customer information table stored in the storage unit of the XX department store ASP, as shown in FIG. 5A, the panel ID is associated with the panel ID as the customer ID that can identify the customer. The point that the carryer (operator) of the specified portable panel terminal 100 can use in the point use service of the XX department store ASP and the name of the carryer (operator) of the portable panel terminal 100 are stored. Has been.

  Further, in the product information table stored in the storage unit of the XX department store ASP, as shown in FIG. 5B, the product handled in the XX department store ASP is associated with a product ID that can be specified, The name, the price of the product, etc. are stored.

  In addition, in the purchase information table stored in the storage unit of the XX department store ASP, as shown in FIG. 5C, the mobile panel identified by the panel ID in association with the panel ID as the customer ID. A product ID that can identify a product purchased by the person carrying the terminal 100 (operator) at the XX department store ASP, the date and time of purchase, and the like are stored.

  The user management ASP as the TAP server 10 of this embodiment is a normal server computer including a control unit including a CPU, a RAM, a ROM, and the like, and a storage unit including a hard disk, a flash memory, and the like. In the storage unit of the user management ASP, as shown in FIG. 1, user information such as the address and telephone number of the carrier (operator) is stored in the portable panel terminal 100, the panel control computer 50, the general ASP server 20, Various processing programs such as processing for transmitting / receiving and registering with the TAP server 10 and various data tables such as a user information table storing user information are stored. By storing the information in the storage unit of the panel terminal 100, personal information such as an address or a telephone number that is likely to be leaked when the portable panel terminal 100 is lost is stored in the portable panel terminal 100, the panel control computer 50, the general ASP server 20, Based on the information transmitted from the TAP server 10, it can be stored or provided.

  Next, processing performed between the mobile panel terminal 100, the panel control computer 50, the general ASP server 20, and the TAP server 10 will be described in detail with reference to FIGS. These processes are performed by a person carrying the portable panel terminal 100 (operator) entering or exiting a wireless LAN communication area formed for each store where the panel control computer 50 is installed, or to a store. This is performed when entering or leaving the store, or when making a payment using the payment terminal 52. Each case will be described.

  6 and 7 show the flow of processing when a carrier (operator) having the portable panel terminal 100 enters a wireless LAN communication area formed for each store where the panel control computer 50 is installed. FIG.

  First, when a carryer (operator) having the mobile panel terminal 100 enters a wireless LAN communication area, the mobile panel terminal 100 (during wireless communication processing) is connected to the panel control computer 50. The mobile panel terminal that receives (detects) the output signal of the antenna 51, specifically, detects that the gain of the control channel of the predetermined frequency is equal to or greater than the predetermined value, and receives (detects) the output signal. Reference numeral 100 denotes a panel ID of the portable panel terminal 100 stored in the unique data area (see FIG. 2A) for transmitting an address request indicating an IP address request to the panel control computer 50. IP address request processing is executed.

  Further, the mobile panel terminal 100 (under execution of wireless communication processing) that has received the output signal from the panel control computer 50 identifies the wireless LAN ID based on the received output signal, and the identified wireless LAN ID and the current time The wireless LAN ID and the wireless LAN ID detection date / time in the unique data area (see FIG. 2A) are updated based on the above. The date and time of detection of the wireless LANID is appropriately updated based on the reception of the output signal from the panel control computer 50.

  Then, the panel control computer 50 that has received the address request from the portable panel terminal 100 executes an exchange regarding activation. Specifically, an IP address assignment process is executed, first, an IP address to be assigned to the mobile panel terminal 100 is determined, and the determined IP address is transmitted to the mobile panel terminal 100 that has transmitted the address request. Further, in association with the panel ID included in the address request, the assigned IP address and the current time as the last detection time are stored in the in-zone panel information table (see FIG. 3C). The final detection time is updated every time various information is received from the mobile panel terminal 100.

  The mobile panel terminal 100 that has received the IP address (during execution of the IP address request process) stores the received IP address as its own IP address in the unique data area (see FIG. 2A) and also receives the received IP address. Is set as its own IP address, and subsequent data communication is performed based on the received IP address.

  The mobile panel terminal 100 that has set the IP address of its own device executes basic program request processing, collects information on devices connected to the own device, includes the collected device information, and transmits the basic program. A basic program request indicating the request is transmitted to the panel control computer 50.

  The panel control computer 50 that has received the basic program request generates the device-dependent basic program based on the device information included in the received basic program request, and sends it to the mobile panel terminal 100 that has transmitted the basic program request. Generation processing and transmission processing of a basic program for transmission are executed. This completes the exchange related to activation.

  The mobile panel terminal 100 that has received the basic program executes basic program execution processing for executing the received basic program.

  When the basic program is executed, the portable panel terminal 100 executes a menu application request transmission process, and first transmits a menu application request indicating that a menu application for the panel control computer 50 is requested to the panel control computer 50.

  The panel control computer 50 that has received the menu application request executes a menu application generation process and stores it in the in-zone panel information table (see FIG. 3C) in association with the source IP address of the received menu application request. A member confirmation request for confirming whether the panel ID is registered as a member is transmitted to the ASP of the store where the panel control computer 50 is installed, that is, the XX department store ASP.

  The XX department store ASP that has received the member confirmation request confirms whether the panel ID included in the received member confirmation request is registered as a member in the customer information table (see FIG. 5A), and shows the result. The confirmation result (not registered in this embodiment) is transmitted to the panel control computer 50 that has transmitted the confirmation request.

  The panel control computer 50 (under execution of the menu application generation process) that has received the confirmation result (not registered in the present embodiment) receives a menu for registering with the ASP (XX Department Store ASP) of the store (“ Membership registration ”) and the ASP information table (see FIG. 3B), the utility value is high for the carrier (operator) who entered the store where the panel control computer 50 is installed. A menu application for the panel control computer 50 including menus for accessing the possible general ASP server 20 and the TAP server 10 is generated.

  When the confirmation result transmitted from the ASP (XX department store ASP) of the store indicates that the registration has been completed, the panel control computer 50 (during execution of the menu application generation process) Generates a menu application for the panel control computer 50 that does not include a menu for registering a member ("member registration").

  The panel control computer 50 that has generated the menu application for the panel control computer 50 executes a menu application transmission process for transmitting the generated menu application for the panel control computer 50 to the portable panel terminal 100 that has transmitted the menu application request. .

  Receiving the menu application for panel control computer 50, portable panel terminal 100 (during execution of the menu application request transmission process) displays the menu on sub-display 111 by executing the received menu application for panel control computer 50.

  When the carrier (operator) selects and inputs “member registration” from the menu displayed on the sub-display 111, the portable panel terminal 100 (during execution of the menu application for the panel control computer 50) performs panel control of the member registration application request. The information is transmitted to the computer 50, and the panel control computer 50 executes the communication mediation process and transmits the received member registration application request to the XX department store ASP.

  The XX department store ASP that has received the member registration application request transmits a member registration application to the panel control computer 50 to execute a member registration process and to execute a member information reception process in the mobile panel terminal 100. The panel control computer 50 executes communication mediation processing and transmits the received member registration application to the mobile panel terminal 100.

  Also, menu list information including a menu (“member registration”) of a member registration application for performing member registration of a store (in this embodiment, XX department store) supported by the antenna device (wireless LAN antenna 51). The panel control computer 50 and the XX department store ASP that distributes the member registration application based on the reception of the distribution request (member registration application request) of the member registration application while distributing (the menu application for the panel control computer 50) A program distribution apparatus according to the third aspect of the invention is formed.

  The mobile panel terminal 100 that has received the member registration application (during execution of the menu application for the panel control computer 50) stores the received member registration application in the application area of the storage device 108 and assigns it to any panel number (see FIG. 15). Then, that effect is displayed on the sub display 111.

  Thereafter, when the carrier (operator) activates the sheet display 115 of the panel number assigned to the member registration application (the display operation state), the basic program of the portable panel terminal 100 is assigned to the panel number. Run the member registration app.

  When a carryer (operator) inputs member information including an address and a telephone number to the mobile panel terminal 100 on which the member registration application is executed, the mobile panel terminal 100 (the member registration application is being executed) A member registration request including the ID and input information is transmitted to the panel control computer 50, and the panel control computer 50 executes a communication mediation process and transmits the received member registration request to the XX department store ASP.

  In this embodiment, the carrier (operator) inputs the member information including the address and telephone number. However, the present invention is not limited to this, and the carrier (operator) Only accepts whether or not membership registration is desired, and personal information such as an address and a telephone number registered in the user management ASP in association with the panel ID in the panel control computer 50 or the XX department store ASP. Is preferable because it can simplify the burden of input by the bearer (operator) related to member registration.

  The XX department store ASP that has received the member registration request executes member registration processing, and enters the customer information table (see FIG. 5A) based on the panel ID and input information included in the received member registration request. The member information is registered, and the registered member information is transmitted to the panel control computer 50.

  The panel control computer 50 that has received the member information executes menu application generation processing, generates a menu application for the panel control computer 50 that does not include the “member registration” menu, executes menu application transmission processing, and generates the generated menu application. The panel control computer 50 menu application is transmitted to the mobile panel terminal 100 that has transmitted the member registration request.

  The mobile panel terminal 100 (under execution of the basic program) that has received the menu application for the panel control computer 50 displays the menu on the sub-display 111 by executing the received menu application for the panel control computer 50.

  When a carryer (operator) selects and inputs any of the general ASP server 20 and the TAP server 10 from the menu displayed on the sub-display 111, the portable panel terminal 100 (during execution of the menu application for the panel control computer 50) A menu application request for requesting each ASP menu application specific to the selected general ASP server 20 or TAP server 10 is transmitted to the panel control computer 50, and the panel control computer 50 executes a communication mediation process, The received menu application request is transmitted to the selected ASP.

  The general ASP server 20 or TAP server 10 that has received the menu application request has generated each ASP menu application for accessing a menu specific to the general ASP server 20 or TAP server 10 and has transmitted the menu application request. The panel control computer 50 executes communication mediation processing, and transmits each received ASP menu application to the mobile panel terminal 100 that has transmitted the menu application request.

  The mobile panel terminal 100 (basic program) that has received each ASP menu application displays each ASP menu on the sub display 111 by executing the received ASP menu application. For example, in the menu for the panel control computer 50, when the “XX department store ASP” menu is selected and input, the XX department store ASP menu application is received from the XX department store ASP and executed. The department store ASP menu is displayed on the sub-display 111. In this way, a person carrying the portable panel terminal 100 (operator) can access a menu unique to the general ASP server 20 or the TAP server 10.

  FIG. 8 is a diagram showing a flow of processing when a carryer (operator) having the mobile panel terminal 100 leaves the wireless LAN communication area formed for each store where the panel control computer 50 is installed. It is.

  When a carrier (operator) having the portable panel terminal 100 comes out of the store's wireless LAN communication area, the portable panel terminal 100 (basic program) executes out-of-service processing and detects that it has gone out. Specifically, when the output signal of the panel control computer 50 is received, the wireless LAN ID specified based on the output signal and the wireless LAN ID stored in the unique data area (see FIG. 2A) are When it is different, that is, when entering a different communication area, and the wireless LANID detection date and time stored in the unique data area (see FIG. 2A) is not updated, that is, from the panel control computer 50 When a predetermined time has elapsed without receiving a signal, it is determined that the terminal has come out of service in either case.

  The mobile panel terminal 100 determined to have gone out of service (during execution of out-of-service processing) erases various applications unique to the general ASP server 20 and the TAP server 10, erases the menu application for the panel control computer 50, and erases the basic program. The own IP address, the wireless LAN ID, the wireless LAN ID detection date / time, etc. in the unique data area (see FIG. 2A) are deleted.

  Note that when entering a different communication area, the portable panel terminal 100 (base program) shifts to an exchange relating to activation.

  In addition, before deleting various data, an inquiry may be made to the carrier (operator), and the various data may not be deleted according to the request of the carrier (operator).

  On the other hand, the panel control computer 50 detects that the mobile phone terminal (operator) having the mobile panel terminal 100 has gone out based on out-of-service processing when the mobile phone terminal (operator) goes out of the store's wireless LAN communication area. Specifically, a predetermined time has elapsed without updating the last detection date and time stored in the in-zone panel information table (see FIG. 3C), that is, without receiving a signal from the mobile panel terminal 100. It is determined that you are out of service.

  The panel control computer 50 determined to have gone out (during execution of out-of-service processing) deletes the information of the mobile panel terminal 100 stored in the within-range panel information table (see FIG. 3C).

  9 and 10 show that a carrier (operator) having the portable panel terminal 100 enters a store or leaves a store where the panel control computer 50 is installed, makes a payment using the payment terminal 52, or the like. It is a figure which shows the flow of the process regarding the electronic bill performed between the portable panel terminal 100, the panel control computer 50, the general ASP server 20, and the TAP server 10 when it performs.

  First, when a carryer (operator) having the portable panel terminal 100 enters a store, it is specified that the store has been entered by the panel control computer 50 based on the detection status of the store detection post 53 and the output detection post 54. Then, the panel control computer 50 transmits a store entry notification signal to the mobile panel terminal 100 in which the store is specified.

  The mobile panel terminal 100 (basic program) that has received the store entry notification signal transmits an electronic bill application request to the panel control computer 50, and the panel control computer 50 executes a communication mediation process and receives the request to the bank ASP. An electronic bill application request is transmitted.

The bank ASP that has received the electronic bill application request executes the electronic bill application transmission process,
The electronic bill application transmission process is transmitted to the panel control computer 50, and the panel control computer 50 executes the communication mediation process, and the received electronic bill application is transmitted to the portable panel terminal 100 that has transmitted the electronic bill application request. Send.

  The mobile panel terminal 100 (basic program) that has received the electronic bill application executes the electronic bill application, and issues a bill issuance request including the user ID stored in the safe data area (see FIG. 2B). It transmits to the panel control computer 50.

  The panel control computer 50 that has received the bill issuance request transmits to the bank ASP a bill issuance request to which a store ID that can identify the store in which the panel control computer 50 is installed is added.

  The bank ASP that has received the bill issuance request executes the bill issuance process and is registered in the customer information table (see FIG. 4A) in association with the user ID included in the received bill issuance request. Within the range of the balance, it is registered in the issued banknote information table (see FIG. 4B) in association with the store type ID specified as the upper two digits of the store ID included in the received banknote issue request. The electronic bill of the reference amount is issued based on the denomination table registered in association with the store type ID.

  That is, it includes an issue amount storage means (issue banknote information table, see FIG. 4B) in which a predetermined amount (reference amount) is stored in association with a store type (store type ID), and will be described later. Information (store ID) that can specify the type of store in (banknote issuing processing) is acquired together with user identification information (user ID), and is specified from the acquired information (specified as the upper two digits of the store ID) The bank ASP that issues a predetermined amount of electronic money (banknote ID) stored in the issued amount storage means corresponding to the type of store forms the electronic money issuing device according to item 4 of the present invention.

  Also, an issuance denomination storage means (issued banknote) in which the money type (banknote type ID) and quantity (denomination table) of electronic money (banknote ID) issued in association with the store type (store type ID) are stored. An information table, see FIG. 4B), and obtains information (store ID) that can specify the type of the store in the electronic money issuing process (banknote issuing process) together with the user identification information (user ID), A bank ASP that issues electronic money of the currency type and quantity stored in the issuance denomination storage means corresponding to the type of store specified from the acquired information (specified as the upper two digits of the store ID) The electronic money issuing device according to the fifth aspect of the present invention is formed.

  In addition, as shown in FIG.2 (b), an electronic banknote is represented as banknote ID as a 12-digit numerical value which consists of banknote classification ID and a serial number.

  That is, the bank ASP which gives the money identification information (banknote ID) that is unique for each issue to the issued electronic money (banknote ID) forms the electronic money issuing apparatus according to the third item of the present invention. .

  Moreover, bank ASP issues the electronic banknote to a balance, when the reference amount of a store is larger than a balance.

  That is, the user identification information storage unit (the safe data area of the EEPROM, the figure) from the portable panel terminal 100 that has detected the entrance by the entrance / exit detection means (the entrance detection post 53, the exit detection post 54, the panel control computer 50). 2 (b)) is acquired, and electronic money amount storage means (a customer information table of the bank ASP, FIG. 4) is associated with the acquired user identification information. The mobile panel terminal 100 which has identified the electronic money amount (remaining amount) stored in (a)) and has detected entry of a predetermined amount of electronic money (banknote ID) within the specified electronic money amount range. The bill issuing process for issuing to the electronic money forms the electronic money issuing process of the present invention.

  After issuing the electronic banknote (banknote ID), the bank ASP (during banknote issuance processing execution) is the ASP (XX department store ASP) associated with the user ID, store ID, and store ID included in the received banknote issuance request. Registering the issuance history consisting of the IP address, the date and time, the operation type indicating that the banknote was issued, and the total amount of the issued electronic banknote (banknote ID) in the deposit / withdrawal history table (see FIG. 4C), The total amount of the electronic banknote (banknote ID) issued from the balance registered in the customer information table (see FIG. 4A) in association with the user ID is updated by subtraction.

  The bank ASP whose balance has been updated includes these issued electronic banknotes (banknote IDs) and transmits an electronic banknote application for processing the electronic banknotes (banknote IDs) to the panel control computer 50. The panel control computer 50 communicates. The mediation process is executed, and the received electronic bill application is transmitted to the mobile panel terminal 100 that has transmitted the bill issuance request.

  The mobile panel terminal 100 (basic program) that has received the electronic banknote application stores the received electronic banknote application in the application area of the storage device 108 and includes electronic banknote data (banknote ID) included in the electronic banknote application. Is stored in the safe data area (see FIG. 2B).

  After that, when the carryer (operator) activates the wallet display of the portable panel terminal 100, the portable panel terminal 100 (basic program) executes the electronic bill application, and the safe data area (see FIG. 2B). ) Based on the banknote type ID (denomination) specified as the upper two digits of the banknote ID, as shown in FIG. Visualize and arrange them for each denomination and display them on your wallet display.

  That is, based on an application program (electronic bill application) for using electronic money (banknote ID), an image of electronic money stored so as to be usable is displayed on the display unit (sheet display 115, see FIG. 16A). The mobile panel terminal 100 to be displayed forms the mobile panel terminal according to the second item of the present invention.

  In this wallet display (see FIG. 16 (a)), a plurality of electronic bills are displayed in a superimposed manner. However, when the carryer (operator) selects one of the electronic bills by touching it with a fingertip. The selected electronic bill is displayed on the forefront.

  Here, a description will be given of a payment process when the carrier (operator) selects and purchases a product in the store where he / she entered the store. First, the carrier (operator) connects the portable terminal to the payment terminal 52. By bringing the terminal 100 closer, the mobile panel terminal 100 (during execution of the electronic bill application) performs short-range communication and receives product information including the product ID, name, and price from the payment terminal 52.

  The mobile panel terminal 100 that has received the product information (during execution of the electronic bill application) displays the total amount based on the received product information, together with the electronic bill (banknote ID), in a black belt shape shown in the upper part of FIG. Displayed on the wallet display as shown as “subtotal” in the area.

  The carryer (operator) first operates the wallet display to select and input an electronic banknote (banknote ID) having a total amount or more as a payment target. Specifically, the “payment” amount to be added and updated by dragging the electronic banknote displayed on the wallet display with the fingertip to the black belt-like area shown in the upper part of FIG. Drag the electronic bill to be paid to the black belt-shaped area with your fingertip until it is equal to or greater than the “subtotal” amount.

  Further, when the carrier (operator) reads the fingerprint by holding the fingertip over the fingerprint sensor 122, the portable panel terminal 100 (during execution of the electronic bill application) displays the read fingerprint data and the safe data area (see FIG. 2), the fingerprint data stored in (b) is checked to confirm whether or not the carrier (operator) who is going to pay is a valid owner of the panel. If it is confirmed that the owner is not a valid owner, the processing is not continued.

  When it is confirmed that the rightful owner is going to pay, the mobile panel terminal 100 (running the electronic bill application) is stored in the safe data area (see FIG. 2B). A settlement request including the ID, the product ID and price included in the product information, and the electronic bill (banknote ID) selected and input as a payment target by the carrier (operator) is transmitted to the panel control computer 50, and panel control is performed. The computer 50 transmits, to the bank ASP, a payment request in which a store ID capable of specifying the store where the panel control computer 50 is installed is added to the received payment request.

  The bank ASP that has received the settlement request executes the settlement process, and the difference (the change amount) obtained by subtracting the price included in the received settlement request from the total amount of the electronic bill (banknote ID) included in the received settlement request. ) And the calculated difference (change amount) is added to the balance registered in the customer information table (see FIG. 4A) in association with the user ID included in the received settlement request. To do.

  The settlement process is not continued when the received price is larger than the total amount of the received electronic banknote (banknote ID).

  Further, the bank ASP (during payment processing) indicates the user ID, the store ID, the IP address of the ASP (XX department store ASP) associated with the store ID, the date and time, and the fact that the payment has been made. A withdrawal history consisting of the indicated operation type and amount (price) is registered in the deposit / withdrawal history table (see FIG. 4C).

  Then, the bank ASP executes a settlement banknote issuing process for issuing the same number of electronic banknotes (banknote IDs) of the same denomination (banknote type ID) as the electronic banknotes used for the settlement included in the received settlement request. A new electronic banknote (banknote ID) is issued.

  In addition, in the settlement bill issuance process, the bank ASP determines that if the total amount of electronic bills used for settlement is larger than the balance after the change amount is added and updated based on the settlement process, Issue electronic bills.

  That is, based on reception of a settlement request including information (banknote ID) that can identify electronic money used for payment transmitted from the settlement terminal 52 installed in the store and a usage amount (price), Of the amount of electronic money provided for the issuance of used electronic money (the total amount of banknote ID and balance included in the settlement request), the amount of electronic money unused for the issue of electronic currency (the banknote included in the settlement request) Use when the difference between the total amount of ID and the price included in the settlement request (change balance) is greater than or equal to the total amount of used electronic money (total amount of banknote ID included in the settlement request) If the amount of unused electronic money is less than the total amount of used electronic money, the amount of unused electronic money (included in the settlement request) is issued. Total amount of banknote ID The settlement banknote issuing process for issuing electronic money corresponding to the difference (balance after adding and updating the price included in the settlement request) and replenishing the electronic money corresponds to the electronic money supplementing process of the present invention. The bank ASP that executes the settlement banknote issuing process forms the electronic money issuing device according to the sixth aspect of the present invention.

  After issuing the electronic banknote (banknote ID), the bank ASP (during settlement banknote issuance processing) is the ASP (XX department store ASP) associated with the user ID, store ID, and store ID included in the received settlement request. Registering the issuance history consisting of the IP address, the date and time, the operation type indicating that the banknote was issued, and the total amount of the issued electronic banknote (banknote ID) in the deposit / withdrawal history table (see FIG. 4C), The total amount of the electronic banknote (banknote ID) issued from the balance registered in the customer information table (see FIG. 4A) in association with the user ID is updated by subtraction.

  The bank ASP that has updated the balance transmits a settlement completion notification including these issued electronic banknotes (banknote IDs) to the panel control computer 50. The panel control computer 50 executes a communication mediation process, and the received settlement completion notification is received. Is transmitted to the mobile panel terminal 100 that has transmitted the settlement request.

  The portable panel terminal 100 (under execution of the electronic bill application) that has received the settlement completion notification stores the electronic bill (banknote ID) included in the settlement completion notification in the safe data area (see FIG. 2B). As described above, since the electronic banknote (banknote ID) included in the settlement completion notification is the same denomination (banknote type ID) as the electronic banknote used for settlement, the balance is used for settlement in the settlement banknote issuing process. If it is equal to or greater than the total amount of the electronic banknote, the total amount of the electronic banknote (banknote ID) stored in the safe data area is the same as the total amount before the settlement.

  That is, the mobile panel terminal 100 that stores the electronic money (banknote ID) issued in the electronic money replenishment process (payment banknote issuing process) in an available manner forms the mobile panel terminal according to the sixth aspect of the present invention.

  After that, the mobile panel terminal 100 (during execution of the electronic bill application) displays on the wallet display of the mobile panel terminal 100 that the payment is completed and the electronic data stored in the safe data area (see FIG. 2B). The banknote (banknote ID) is visualized like an actual banknote and displayed on the wallet display.

  Next, the processing when the carryer (operator) having the mobile panel terminal 100 leaves the store will be described. The panel control computer 50 is based on the detection status of the store entry detection post 53 and the output detection post 54. Thus, the fact that the store has been closed is specified, and the panel control computer 50 transmits a store exit notification signal to the mobile panel terminal 100 that has specified the store exit.

  The mobile panel terminal 100 (under execution of the electronic bill application) that has received the store exit notification signal performs panel control on the bill collection request including the user ID and bill ID stored in the safe data area (see FIG. 2B). The panel control computer 50 transmits the received bill collection request to the bank ASP by executing communication mediation processing.

  The bank ASP that has received the banknote collection request includes the electronic banknote included in the banknote collection request in the balance stored in the customer information table (see FIG. 4A) in association with the user ID included in the banknote collection request. The total amount of (banknote ID) is added and updated, a collection result indicating whether or not the electronic banknote (banknote ID) has been collected normally is transmitted to the panel control computer 50, and the panel control computer 50 executes communication mediation processing. Then, the received collection result is transmitted to the mobile panel terminal 100.

  The portable panel terminal 100 (under execution of the electronic banknote application) that has received the collection result, on the condition that the electronic banknote (banknote ID) has been successfully collected based on the received collection result (FIG. 2). A process of deleting the banknote ID stored in (b) is performed.

  That is, the electronic money (banknote ID) issued in the electronic money issuing process (bank ASP banknote issuing process) is stored so as to be usable, and the store entry / exit detection means (store entry detection post 53, store exit detection post 54). The portable panel terminal 100 that performs the process of deleting the electronic money stored on the condition that the store control is detected by the panel control computer 50) forms the portable panel terminal according to the first aspect of the present invention.

  As described above, the portable panel terminal 100 according to the present embodiment enables the balance of the bank ASP (refer to the customer information table, see FIG. 4A) when the carryer (operator) performs shopping using the electronic banknote in the store. As a result, the newly issued electronic banknote is replenished to the portable panel terminal 100 based on the total amount of the paid electronic banknote. For this reason, even if the person (operator) of the portable panel terminal 100 makes a purchase without confirming the balance of the bank ASP, for example, a problem such as failure to pay for the desired product due to insufficient balance is avoided. Because you can do it, you can shop with peace of mind.

  As described above, according to the present embodiment, electronic currency (banknote ID) is automatically issued by detecting the entry of the mobile panel terminal 100 and the electronic currency can be used at the store. Since the electronic money stored in the portable panel terminal 100 is automatically deleted by detecting the exit of the panel terminal 100, the electronic money can be used only in a situation where the portable panel terminal 100 exists in the store. For example, even when the user loses the portable panel terminal 100 or is stolen illegally, the electronic money amount (total amount of electronic bill amount specified by the bill ID) cannot be confirmed outside the store. Therefore, unauthorized use of electronic money by a third party can be prevented as much as possible.

  Further, according to the present embodiment, the type and amount of the issued electronic money (banknote ID) are displayed on the display unit (sheet display 115, panel number 10), so that the user can issue the issued electronic money. The type and amount of money can be easily grasped visually.

  Moreover, according to the present Example, even if the electronic money (banknote ID) issued with respect to the same user is different from the electronic money issued by entering each store, the currency identification information (banknote ID) is different. Accordingly, fraud due to theft or the like of the money identification information of the electronic money can be reduced, and the security performance of the electronic money can be improved.

  Moreover, according to the present Example, the electronic money (banknote ID) of the predetermined amount (reference amount of the issued banknote information table, see FIG. 4B) according to the store type (store type ID) is issued. For example, by setting the predetermined amount to an amount corresponding to the unit price or the like of the product sold at the store, processing and communication load associated with the issuance of unnecessary electronic money can be reduced.

  Moreover, according to the present Example, the electronic money (banknote ID) of the money classification (denomination table of issued banknote information table, refer FIG.4 (b)) according to the classification (store classification ID) of a store is issued. For example, by setting these currency types as currency types according to the unit price of the products sold at the store, it is possible to efficiently implement payment according to the amount of use by combining the currency types. This can improve user convenience.

  In addition, according to the present embodiment, the user uses electronic money (banknote ID) without performing a special operation, so that the electronic money (banknote ID) is replenished to the portable panel terminal 100 (after the settlement process). Since the settlement banknote issuing process is automatically executed (see FIG. 10), the convenience for the user can be improved.

  Although the embodiments of the present invention have been described with reference to the drawings, the specific configuration is not limited to these embodiments, and modifications and additions within the scope of the present invention are included in the present invention. It is.

  For example, in the said Example, although it is set as the structure which displays the image of the electronic banknote (banknote ID) memorize | stored in the safe data area (refer FIG.2 (b)) of EEPROM of the portable panel terminal 100, this invention is limited to this. However, information that can specify the number of electronic banknotes (banknote IDs) and banknote types may be displayed in, for example, characters.

  Moreover, in the said Example, although it is set as the structure which issues the electronic banknote (banknote ID) of the different amount (reference amount, refer FIG.4 (b)) according to the classification (store classification ID) of a store, this invention is this. For example, the same amount may be used regardless of the store, or may be different depending on the balance (see FIG. 4A).

  Moreover, in the said Example, although it is set as the structure which issues the electronic banknote (banknote ID) of a different denomination (refer FIG.4 (b)) according to the classification (store classification ID) of a store, this invention is limited to this. For example, the same denomination may be used regardless of the store, or different denominations may be used depending on the amount of money.

  Moreover, in the said Example, when shopping using an electronic bill, according to the total amount of the used electronic bill, a new electronic bill will be issued and it will be automatically replenished to the portable panel terminal 100. However, the present invention is not limited to this, and the electronic bills may not be replenished after shopping.

  In the above embodiment, the identity verification is performed by reading the fingerprint data during the settlement process. However, the present invention is not limited to this. For example, the identity verification may not be performed. It is good also as a structure which implements identity verification by inputting a number etc.

  Moreover, in the said Example, as shown to Fig.16 (a), on the sheet | seat display 115 of the panel number 9 allocated as a wallet display, the image of an electronic bill (banknote ID) is arranged and displayed for every denomination. However, the present invention is not limited to this, and an image of electronic banknotes may be displayed on an arbitrary sheet display 115, or for each denomination as when banknotes are stored in an actual wallet. They may be displayed without being aligned.

  Moreover, in the said Example, as shown to Fig.16 (a), the image of all the money type electronic banknotes (banknote ID) is displayed on the sheet display 115 of the panel number 9 allocated as a wallet display. However, the present invention is not limited to this, and an image of an electronic bill may be displayed on a sheet display 115 different for each denomination. For example, the panel number 7 is 1000 yen and the panel number 8 is 5000 yen. Further, it may be configured to display an image of an electronic bill of 10,000 yen on the panel number 9.

  Moreover, in the said Example, the portable panel terminal 100 is performing data communication with the bank ASP via the panel control computer 50, and the panel control computer 50 and the bank ASP form the electronic money issuing apparatus of this invention. However, the present invention is not limited to this, and the electronic money issuing device may be configured by one computer by providing the panel ASP computer 50 with the function of the bank ASP.

  Moreover, in the said Example, although the portable panel terminal 100 is set as the structure which acquires every time data enters except a basic program, various applications, and an electronic bill into a communication area, and erases it every time it comes out, this invention. However, the present invention is not limited to this, and the mobile panel terminal 100 may be configured to always store data other than the basic program, various applications, and electronic bills.

1 is a system diagram showing a system configuration of an embodiment to which a portable panel terminal of the present invention is applied. (A)-(b) is a figure which shows an example of the data memorize | stored in the memory | storage device of a portable panel terminal, (c) is a figure which shows the definition table | surface of banknote classification. (A)-(c) is a figure which shows an example of the data memorize | stored in the memory | storage part of the panel control computer 50, (d) is a figure which shows the definition table of shop classification. (A)-(c) is a figure which shows an example of the data memorize | stored in the memory | storage part of bank ASP. (A)-(c) is a figure which shows an example of the data memorize | stored in the memory | storage part of a store (XX department store) ASP. It is a figure which shows the processing content when a portable panel terminal enters into the communication area of a store. It is a figure which shows the processing content when a portable panel terminal enters into the communication area of a store. It is a figure which shows the processing content when a portable panel terminal goes out of the communication area of a store. It is a figure which shows the processing content when a portable panel terminal performs the process regarding an electronic bill in a store. It is a figure which shows the processing content when a portable panel terminal performs the process regarding an electronic bill in a store. It is an external appearance perspective view which shows the external appearance of a portable panel terminal. It is a perspective view which shows the state which opened the portable panel terminal. It is a block diagram which shows the structure of a portable panel terminal. It is explanatory drawing which shows the specific condition of the exposed panel by the page selection sensor in a portable panel terminal. It is a figure which shows the allocation condition of the application to each panel. (A)-(b) is a figure which shows an example of the electronic banknote displayed on the sheet display of a portable panel terminal.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 TAP server 20 General ASP server 50 Panel control computer 51 Wireless LAN antenna 52 Payment terminal 53 Entrance detection post 54 Exit detection post 100 Portable panel device 101 Data bus 102 Central processing unit (CPU)
103 Card interface (I / F)
104 Interface for panel input (I / F)
105 Display interface (I / F)
106 Input / output interface (I / F)
107 Communication interface (I / F)
108 Storage Device 109 Bus Control LSI
110 Transparent touch panel film 111 Sub display 112 Display driver 113 Touch panel driver 114 Transparent touch panel film 115 Sheet display 115 'Tab 116 Display driver 117 Touch panel driver 118 Display sheet 120 Page selection sensor 121 Gyro sensor 122 Fingerprint sensor 123 Keyboard (KB) panel 124 Audio Output unit 125 Wireless LAN module 126 Short-range communication module 200 Synthetic leather case

Claims (6)

To store a program execution unit for executing a program, a display unit for displaying display contents based on a program executed by the program execution unit, and user identification information uniquely given to the user A user identification information storage unit, a wireless communication unit for performing wireless data communication with an external device, and a power supply unit for supplying operating power to each unit, and carried by the user Enabled mobile panel terminals,
Wireless data communication means installed in a store and performing wireless data communication with the wireless communication unit of the mobile panel terminal existing in the store;
The store entrance and exit detection means for detecting entrance and exit of the mobile panel terminal to the store,
An electronic money amount storage means for storing an electronic money amount owned by the user in association with user identification information uniquely given to the user, and connected to the wireless data communication means so as to be able to perform data communication An electronic money issuing device,
An electronic money issuing system comprising:
The electronic money issuing device acquires user identification information stored in the user identification information storage unit from a portable panel terminal that has detected a store entry by the entrance / exit detection means, and the acquired user identification information The electronic money amount stored in the electronic money amount storage means is specified in association with the electronic money amount, and a predetermined amount of electronic money within the specified electronic money amount is detected with respect to the mobile panel terminal that has detected the entry. To issue electronic money to issue
The portable panel terminal stores the electronic money issued in the electronic money issuing process in an available manner, and stores the electronic money stored on the condition that the store entry / exit detection means detects the exit. An electronic money issuing system characterized by erasing data.   2. The electronic money according to claim 1, wherein the portable panel terminal displays an image of the electronic money stored in a usable manner on the display unit based on an application program for using the electronic money. Issuing system.   The electronic money issuing system according to claim 1 or 2, wherein the electronic money issuing device assigns money identification information unique to each issue to each electronic money to be issued.   The electronic money issuing device includes an issue amount storage means in which the predetermined amount is stored in association with the type of the store, and information that can specify the type of the store in the electronic money issue processing is the user identification information The electronic money of the predetermined amount memorize | stored in the said issue amount memory | storage means corresponding to the classification of the store specified from this acquired information is issued, It is characterized by the above-mentioned. Electronic money issuing system in any one of -3.   The electronic money issuing device includes an issuance denomination storage unit that stores a money type and quantity of the electronic money to be issued in association with the type of the store, and specifies the type of the store in the electronic money issuing process. Acquiring possible information together with the user identification information, and issuing electronic money of the currency type and quantity stored in the issuing denomination storage means corresponding to the type of store specified from the acquired information The electronic money issuing system according to any one of claims 1 to 4. The electronic money issuing device is used based on reception of a payment request including information that can identify electronic money used for payment transmitted from a payment terminal installed in the store and a usage amount. If the amount of unused electronic money in the issuance of electronic money is greater than or equal to the total amount of used electronic money, the total amount of used electronic money When the amount of unused electronic money for issuing electronic money is less than the total amount of the used electronic money, the electronic money corresponding to the unused amount of electronic money is issued to supplement the electronic money. Conduct electronic money replenishment processing,
6. The electronic money issuing system according to claim 1, wherein the portable panel terminal stores the electronic money issued in the electronic money replenishment process so as to be usable.

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