Banknote transaction system, information terminal, computer program, and money transaction method

Abstract

The present invention addresses the problem of providing a money transaction system, an information terminal, a computer program, and a money transaction method that enable a money transaction to be appropriately performed even offline. A money transaction system for performing a money transaction based on money data offline between a first information terminal 20 and a second information terminal 10, the first information terminal 20 having: an acquisition means 26 for acquiring data of a transaction amount; a payment means (26) that, when the user of the first information terminal (20) agrees to pay the transaction amount, reduces the balance of the balance data memorized by the first information terminal (20) in accordance with the transaction amount; and a first display means (26) that displays payment completion image information on the first image display unit (23) when the reduction of the balance in the balance data is completed. The second information terminal (10) has: an image reading means (16) that causes an image reading unit (11) to read payment completion image information displayed on the first information terminal (20); and a receiving means (16) that, when the payment completion image information is read, increases the balance of the balance data memorized by the second information terminal (10) in accordance with the transaction amount.

Description

Technical Field

[0001] The present invention relates to a money transaction system, an information terminal, a computer program, and a money transaction method that can perform money transactions based on money data such as electronic money between two terminals even offline. Background Art

[0002] Previously, there has been disclosed a mobile money transaction system that can perform money payment processing based on money data between the information terminal such as a smartphone carried by a purchaser and the information terminal held by a seller in an environment where both the information terminal and the money transaction server can be connected via a network. That is, the purchaser's information terminal and the seller's information terminal can access the server respectively, and perform money payment processing (for example, Patent Document 1).

[0003] [Prior Art Documents]

[0004] [Patent Documents]

[0005] Patent Document 1: Japanese Unexamined Patent Application Publication No. 2015-062125. Summary of the Invention

[0006] [Problems to be Solved by the Invention]

[0007] However, the prior money transaction system has the following problem. In an environment where network communication cannot be used, each information terminal cannot access the money transaction server on the network, and thus money transactions based on money data cannot be performed.

[0008] An object of the present invention is to provide a money transaction system, an information terminal, a computer program, and a money transaction method that can perform money transactions based on money data between two information terminals even in an environment where the network cannot be used.

[0009] [Technical Means for Solving the Problems]

[0010] [1] The gist of the present invention is the money transaction system described in the following (1) to (6).

[0011] (1) A money transaction system includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit. An offline money transaction based on money data is performed between the first information terminal and the second information terminal. The second information terminal has a second display means that causes the second image display unit to display transaction start image information including data of the transaction amount in the money transaction. The first information terminal has: a first memory means that stores balance data held by the first information terminal; a first image reading means that causes the first image reading unit to read the transaction start image information displayed on the second image display unit of the second information terminal; an acquisition means that acquires the data of the transaction amount from the transaction start image information read by the first image reading unit; a payment means that, when the user of the first information terminal agrees to pay the transaction amount, reduces the balance of the balance data stored by the first memory means according to the transaction amount; and a first display means that, when the reduction of the balance of the balance data by the payment means is completed, displays payment completion image information on the first image display unit. The second information terminal has: a second memory means that stores balance data held by the second information terminal; a second image reading means that causes the second image reading unit to read the payment completion image information displayed on the first information terminal; and a reception means that, when the payment completion image information is read, increases the balance of the balance data stored by the second memory means according to the transaction amount.

[0012] (2) In the money transaction system described in (1) above, the second information terminal has an input means for inputting the transaction amount. In the second information terminal, the second display means generates the transaction start image information including transaction information, causes the second image display unit to display the transaction start image information, and the transaction information includes the transaction amount input by the input means. In the first information terminal, the acquisition means acquires the transaction information from the transaction start image information, and when the first display means reads the transaction start image information including the transaction information, the first display means displays an image requesting the consent on the first image display unit of the first information terminal so that the user of the first information terminal agrees to pay the transaction amount.

[0013] (3) The money transaction system described in (1) or (2) above, wherein in the second information terminal, the second display means generates the transaction start image information including the identifier of the second information terminal and the transaction code of the current transaction, and causes the second image display unit to display the transaction start image information. In the first information terminal, the first image reading means causes the first image reading unit to read the transaction start image information including the identifier of the second information terminal and the transaction code. The first display means generates the payment completion image information in a manner including the identifier of the second information terminal and the transaction code read by the first image reading unit from the transaction start image information, and causes the first image display unit to display the generated payment completion image information. In the second information terminal, the receiving means determines whether the identifier of the second information terminal and the transaction code included in the payment completion image information displayed by the first information terminal are consistent with the identifier of the second information terminal and the transaction code pre-stored in the second information terminal. In the case of consistency, the balance data stored in the second storage means is increased.

[0014] (4) The money transaction system described in any one of (1) to (3) above, wherein the payment completion image information is displayed in the form of an information code, and the information code is based on information units arranged in a two-dimensional manner.

[0015] (5) The money transaction system described in any one of (1) to (4) above, wherein the money transaction is carried out only within the range of the balance of the balance data of the first information terminal.

[0016] (6) The money transaction system described in any one of (1) to (5) above, wherein the balance data of the first information terminal is stored in the storage means of the first information terminal in a form included in an information code, the information code is based on information units arranged in a two-dimensional manner, and the balance data of the second information terminal is also stored in the storage means of the second information terminal in a form included in an information code, and the information code is based on information units arranged in a two-dimensional manner.

[0017] Furthermore, the gist of the present invention is the information terminal described in (7) below.

[0018] (7) An information terminal, which is the second information terminal in a money transaction system that includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and offline performs a money transaction based on money data between the first information terminal and the second information terminal. The information terminal performs the following means: a second memory means for memorizing the balance data held by the second information terminal; an input means for inputting the transaction amount of the money transaction; a second display means for causing the second image display unit to display transaction start image information including the data of the transaction amount input by the input means; a second image reading means for causing the second image reading unit to read the payment completion image information displayed on the first information terminal when the payment completion image information indicating that the payment has been completed is displayed on the first information terminal; and a receiving means for increasing the balance of the balance data memorized by the second memory means according to the transaction amount when the payment completion image information is read.

[0019] Furthermore, the present invention aims at the computer program described in the following (8) or (9).

[0020] (8) A computer program, which is executed by the first information terminal in a money transaction system that includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and offline performs a money transaction based on money data between the first information terminal and the second information terminal. The computer program performs the following functions: a first memory function for memorizing the balance data held by the first information terminal; a first image reading function for causing the first image reading unit to read the transaction start image information including the data of the transaction amount in the money transaction and displayed on the second image display unit of the second information terminal; an acquisition function for acquiring the data of the transaction amount from the transaction start image information read by the first image reading function; a payment function for reducing the balance of the balance data memorized by the first memory function according to the transaction amount when the user of the first information terminal agrees to pay the transaction amount; and a first display function for causing the first image display unit to display payment completion image information when the reduction of the balance of the balance data by the payment function is completed.

[0021] (9) A computer program, which is executed by the second information terminal in a money transaction system that has a first information terminal with a first image display unit and a first image reading unit, and a second information terminal with a second image display unit and a second image reading unit, and performs an offline money transaction based on money data between the first information terminal and the second information terminal. The computer program performs the following functions: a second memory function that memorizes the balance data held by the second information terminal; a second display function that displays transaction start image information including data of the transaction amount of the money transaction on the second image display unit; an image reading function that, when a payment completion image information indicating that the payment has been completed is displayed on the first information terminal, causes the second image reading unit to read the payment completion image information displayed on the first information terminal; and a reception function that, when the payment completion image information is read, increases the balance of the balance data memorized by the second memory function according to the transaction amount.

[0022] In addition, the present invention has the following gist in the offline money transaction method of (10).

[0023] (10) An offline money transaction method that uses a first information terminal with a first image display unit and a first image reading unit, and a second information terminal with a second image display unit and a second image reading unit, and performs an offline money transaction based on money data between the first information terminal and the second information terminal. The first information terminal memorizes the balance data held by the first information terminal, obtains data of the transaction amount in the money transaction, and when the user of the first information terminal agrees to pay the transaction amount, reduces the balance of the balance data memorized by the first information terminal according to the transaction amount. When the reduction of the balance of the balance data is completed, payment completion image information is displayed on the first image display unit. The second information terminal memorizes the balance data held by the second information terminal, reads the payment completion image information displayed on the first information terminal through the second image reading unit, and when the payment completion image information is read, increases the balance data memorized by the second information terminal according to the transaction amount.

[0024] [2] Another aspect of the present invention has the following gist in the money transaction system of (11) to (16).

[0025] (11) A money transaction system includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit. An offline money transaction based on money data is performed between the first information terminal and the second information terminal. The second information terminal has a second display means that causes the second image display unit to display transaction start image information including data of the transaction amount in the money transaction. The first information terminal has: a first memory means that stores balance data held by the first information terminal; a first image reading means that causes the first image reading unit to read the transaction start image information displayed on the second image display unit of the second information terminal; an acquisition means that acquires the data of the transaction amount from the transaction start image information read by the first image reading unit; a payment means that, when the user of the first information terminal agrees to pay the transaction amount, reduces the balance of the balance data stored by the first memory means according to the transaction amount; and a first display means that, when the reduction of the balance of the balance data by the payment means is completed, displays payment completion image information on the first image display unit. The second information terminal has: a second memory means that stores balance data held by the second information terminal; a second image reading means that causes the second image reading unit to read the payment completion image information displayed on the first information terminal; and a reception means that, when the payment completion image information is read, increases the balance of the balance data stored by the second memory means according to the transaction amount.

[0026] (12) In the money transaction system described in the above (11), the second information terminal has an input means for inputting the transaction amount. In the second information terminal, the second display means generates the transaction start image information including transaction information, causes the second image display unit to display the transaction start image information, and the transaction information includes the transaction amount input by the input means. In the first information terminal, the acquisition means acquires the transaction information from the transaction start image information, and when the first display means reads the transaction start image information including the transaction information, it displays an image requesting the consent on the first image display unit of the first information terminal so that the user of the first information terminal agrees to pay the transaction amount.

[0027] (13) The money transaction system described in the above (11) or (12), wherein in the above second information terminal, the above second display means generates the above transaction start image information including the identifier of the above second information terminal and the transaction code of the current transaction, and causes the above second image display unit to display the above transaction start image information. In the above first information terminal, the above first image reading means causes the above first image reading unit to read the above transaction start image information including the identifier of the above second information terminal and the above transaction code. The above first display means generates the above payment completion image information in a manner including the identifier of the above second information terminal and the above transaction code read by the above first image reading unit from the above transaction start image information, and causes the above first image display unit to display the generated above payment completion image information. In the above second information terminal, the above receiving means determines whether the identifier of the above second information terminal and the above transaction code included in the above payment completion image information displayed by the above first information terminal are consistent with the identifier of the above second information terminal and the above transaction code pre - memorized by the above second information terminal. In the case of consistency, the balance data memorized by the above second memorizing means is increased.

[0028] (14) The money transaction system described in any one of the above (11) to (13), wherein the above payment completion image information is displayed in the form of an information code, and the information code is based on information units arranged in a two - dimensional manner.

[0029] (15) The money transaction system described in any one of the above (11) to (14), wherein the above money transaction is carried out only within the balance of the balance data of the above first information terminal.

[0030] (16) The money transaction system described in any one of the above (11) to (15), wherein the balance data of the above first information terminal is memorized in the memorizing means of the above first information terminal in a form included in an information code. The information code is based on information units arranged in a two - dimensional manner. The balance data of the above second information terminal is also memorized in the memorizing means of the above second information terminal in a form included in an information code, and the information code is based on information units arranged in a two - dimensional manner.

[0031] Furthermore, the present invention from another perspective focuses on the information terminals described in the following (17) to (22).

[0032] (17) An information terminal, which is the second information terminal in a money transaction system that includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and performs an offline money transaction based on money data between the first information terminal and the second information terminal. The information terminal performs the following means: a second memory means for memorizing the balance data held by the second information terminal; an input means for inputting the transaction amount of the money transaction; a second display means for causing the second image display unit to display transaction start image information including data of the transaction amount input by the input means; a second image reading means for causing the second image reading unit to read the payment completion image information displayed by the first information terminal when the payment completion image information indicating that the payment has been completed is displayed on the first information terminal; and a receiving means for increasing the balance of the balance data memorized by the second memory means according to the transaction amount when the payment completion image information is read.

[0033] (18) The information terminal according to the above (17), wherein the second display means generates the transaction start image information including the identifier of the second information terminal and the transaction code of the current transaction, causes the second image display unit to display the transaction start image information. In the first information terminal, the first image reading means causes the first image reading unit to read the transaction start image information including the identifier of the second information terminal and the transaction code. The first display means generates the payment completion image information in a manner including the identifier of the second information terminal and the transaction code read by the first image reading unit from the transaction start image information, and causes the first image display unit to display the generated payment completion image information. In the second information terminal, the receiving means determines whether the identifier of the second information terminal and the transaction code included in the payment completion image information displayed by the first information terminal are consistent with the identifier of the second information terminal and the transaction code pre-memorized by the second information terminal. When they are consistent, the balance of the balance data memorized by the second memory means is increased.

[0034] (19) The information terminal according to the above (17) or (18), wherein the payment completion image information is displayed in the form of an information code, and the information code is based on information units arranged in a two-dimensional manner.

[0035] (20) The information terminal according to any one of the above (17) to (19), wherein the balance data is memorized in the second memory means in a form included in an information code, and the information code is based on information units arranged in a two-dimensional manner.

[0036] Furthermore, the present invention according to another aspect is directed to a computer program recording medium as described in (21) or (22) below.

[0037] (21) A recording medium which is a computer program recording medium executed by a second information terminal in a money transaction system that includes a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and performs an offline money transaction based on money data between the first information terminal and the second information terminal. The recording medium performs the following functions: a second memory function for memorizing balance data held by the second information terminal; a second display function for causing a transaction start image information including data of the transaction amount of the money transaction to be displayed on the second image display unit; a second image reading function for causing the second image reading unit to read the payment completion image information displayed on the first information terminal when the payment completion image information indicating that the payment has been completed is displayed on the first information terminal; and a reception function for increasing the balance of the balance data memorized by the second memory function according to the transaction amount when the payment completion image information is read.

[0038] (22) The recording medium as described in (21) above, wherein the second display function generates the transaction start image information including an identifier of the second information terminal and a transaction code of the current transaction, and causes the second image display unit to display the transaction start image information. The second image reading function causes the second image reading unit to read, from the first information terminal, the payment completion image information generated including the identifier of the second information terminal read by the first image reading unit from the transaction start image information and the transaction code when the payment completion image information indicating that the payment has been completed is displayed on the first information terminal. The reception function determines whether the identifier of the second information terminal and the transaction code included in the payment completion image information displayed on the first information terminal are the same as the identifier of the second information terminal and the transaction code pre-memorized by the second information terminal. When they are the same, the balance of the balance data memorized by the second memory means is increased.

[0039] In addition, the present invention according to another aspect is directed to an offline money transaction method as described in (23) to (25) below.

[0040] (23) An offline money transaction method, which uses a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and performs an offline money transaction based on money data between the first information terminal and the second information terminal. The first information terminal stores balance data held by the first information terminal, obtains data on the transaction amount in the money transaction, and when the user of the first information terminal agrees to pay the transaction amount, reduces the balance of the balance data stored in the first information terminal according to the transaction amount. When the reduction of the balance of the balance data is completed, payment completion image information is displayed on the first image display unit. The second information terminal stores balance data held by the second information terminal, reads the payment completion image information displayed on the first information terminal through the second image reading unit, and when the payment completion image information is read, increases the balance data stored in the second information terminal according to the transaction amount.

[0041] (24) The offline money transaction method according to (23) above, wherein the second information terminal has an input unit for inputting the transaction amount, generates the transaction start image information including transaction information, and causes the second image display unit to display the transaction start image information. The transaction information includes the transaction amount input through the input unit. The first information terminal obtains the transaction information from the transaction start image information, and when the transaction start image information including the transaction information is read, displays an image requesting the consent on the first image display unit of the first information terminal so that the user of the first information terminal can agree to pay the transaction amount.

[0042] (25) The offline money transaction method described in the above (23) or (24), wherein the second information terminal generates the transaction start image information including the identifier of the second information terminal and the transaction code of the current transaction, causes the second image display unit to display the transaction start image information, the first information terminal causes the first image reading unit to read the transaction start image information including the identifier of the second information terminal and the transaction code, generates the payment completion image information in a manner including the identifier of the second information terminal and the transaction code read by the first image reading unit from the transaction start image information, causes the first image display unit to display the generated payment completion image information, the second information terminal determines whether the identifier of the second information terminal and the transaction code included in the payment completion image information displayed by the first information terminal are consistent with the identifier of the second information terminal and the transaction code pre - memorized by the second information terminal, and in the case of consistency, increases the balance data memorized by the second memory means.

[0043] [Advantages of the Invention]

[0044] According to the present invention, even in an environment where the network cannot be utilized, it is also possible to perform a money transaction based on money data between two information terminals. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 is a diagram showing the configuration of the money transaction system of this embodiment.

[0046] Figure 2 is a diagram for explaining the usage scenario of the money transaction system of this embodiment.

[0047] Figure 3 is a block diagram of the seller - side terminal and the buyer - side terminal of this embodiment.

[0048] Figure 4 is a diagram showing the transaction screen displayed on the seller - side terminal.

[0049] Figure 5 is a diagram showing the recharge screen displayed on the buyer - side terminal.

[0050] Figure 6 is a diagram showing the payment screen displayed on the buyer - side terminal.

[0051] Figure 7 is a diagram showing the payment completion screen displayed on the buyer - side terminal.

[0052] Figure 8 is a diagram for explaining the information code of this embodiment. ​​​​​​​​

[0053] Figure 9 is a flowchart (part 1) showing the offline money transaction process of this embodiment.

[0054] Figure 10 is a flowchart (part 2) showing the offline money transaction process of this embodiment. Detailed implementation manners

[0055] Based on the accompanying drawings, an embodiment of the money transaction system of the present invention will be described. Figure 1 is a diagram showing the configuration of the money transaction system 1 of this embodiment, Figure 2 is a diagram for explaining the usage scenario of the money transaction system 1 of this embodiment. As Figure 1 and Figure 2 shown, the money transaction system 1 of this embodiment has mobile terminals 10, 20 each carried by two parties conducting a money transaction, and a server 30. Furthermore, regarding the mobile terminals 10, 20, as Figure 1 shown, in an environment where network communication using the Internet line 2 etc. can be utilized, the mobile terminals 10, 20 and the server 30 can transmit and receive information to and from each other through wireless communication or wired communication. On the other hand, in this embodiment, as Figure 2 shown, even in an environment where network communication cannot be utilized, it is still possible to conduct a money transaction based on electronic money using the two mobile terminals 10, 20.

[0056] Furthermore, in this embodiment, a scenario is exemplified where a purchaser purchases a product from a seller in a store, and the money transaction generated by the purchase of the product is conducted using the mobile terminal 10 (the second information terminal) on the seller's side and the mobile terminal 20 (the first information terminal) on the purchaser's side. Here, the mobile terminal 10 carried by the seller is also referred to as the seller-side terminal 10, and the mobile terminal 20 carried by the purchaser is also referred to as the purchaser-side terminal 20. However, the money transaction system 1 of this embodiment is not only used when purchasing products. For example, it can also be used for splitting restaurant bills, settling group travel expenses within a group, unified collection such as fundraising, remitting money to family members, paying remuneration, etc. Also, in the Figure 1 and Figure 2 shown example, a case where the seller receiving electronic money and the purchaser paying electronic money have a one-to-one relationship is exemplified, but it is not limited to this configuration. For example, it can also be a configuration where one person (such as the person in charge of restaurant settlement) receives electronic money from multiple people (such as multiple participants in restaurant settlement).

[0057] Figure 3 is a block diagram showing the configurations of the seller-side terminal 10 and the purchaser-side terminal 20. The seller-side terminal 10 is an information terminal such as a smart phone, tablet computer, or notebook computer carried by the seller. As​​Figure 3 As shown, it has a camera 11, a communication unit 12, a display 13, an input unit 14, a memory unit 15, and an arithmetic unit 16. The camera 11 reads information codes displayed on the purchaser-side terminal 20, etc. The communication unit 12 communicates with the server 30 in an environment where network communication can be utilized. The display 13 displays information codes 41, etc. of transaction information including money transactions such as transaction amounts on the screen. The input unit 14 inputs transaction information such as transaction amounts by the seller. Furthermore, it can be configured to use a touch display that integrates the display 13 and the input unit 14. The memory unit 15 stores programs for performing money transactions in this embodiment, and also stores balance data of electronic money for offline money transactions. The arithmetic unit 16 realizes a seller-side transaction function and a balance data update function by executing the programs stored in the memory unit 15. The seller-side transaction function performs an offline money transaction using electronic money; the balance data update function updates the server balance data stored in the server 30 in a manner that makes the terminal balance data stored in the seller-side terminal 10 consistent with the server balance data of the seller-side terminal 10 stored in the server 30 in an environment where network communication can be utilized. Furthermore, the above programs can be executed in the seller-side terminal 10 in the form of application programs or application software. Hereinafter, each function of the seller-side terminal 10 will be described.

[0058] The seller-side transaction function of the seller-side terminal 10 is such that the seller inputs a transaction amount via the input unit 14, and as Figure 4 shown, an information code 41 including transaction information is created and the created information code 41 is displayed on the display 13. The information code 41 displayed by the seller-side transaction function includes transaction information such as a seller code for identifying the seller, a transaction code for identifying the transaction, a timestamp showing the valid time of the transaction, data of the transaction amount, the mobile phone number of the seller, and the product identification number of the seller-side terminal 10. In this embodiment, the information code 41 displayed on the seller-side terminal 10 is read in the purchaser-side terminal 20, thereby performing the payment of electronic money. Furthermore, the transaction code is uniquely encoded for each transaction. For example, the number of epochs (epoch) seconds or a serial number under certain management can be used.

[0059] Further, in the present embodiment, when payment is executed in the purchaser-side terminal 20, an information code 42 indicating completion of payment is displayed on the display 23 of the purchaser-side terminal 20. In this case, the seller-side transaction function increases the terminal balance data of the electronic money stored in the storage unit 15 according to the transaction amount by reading the information code 42 displayed on the purchaser-side terminal 20 with the camera 11. Thus, even when an offline money transaction based on electronic money is performed, the seller-side terminal 10 can confirm that the payment has been completed in the purchaser-side terminal 20 by reading the information code 42 indicating completion of payment displayed on the purchaser-side terminal 20, and can appropriately complete the transaction in the seller-side terminal 10.

[0060] The balance data update function of the seller-side terminal 10 updates the server balance data stored in the server 30 so that the server balance data stored in the server 30 is consistent with the terminal balance data of the electronic money stored in the seller-side terminal 10 in an environment where network communication using the Internet line 2 or the like can be utilized. That is, in the present embodiment, in an environment where network communication using the Internet line 2 or the like can be utilized, the seller-side terminal 10 and the purchaser-side terminal 20 can perform a money transaction based on electronic money via the server 30 as in the prior art, and the balance data of the seller carrying the seller-side terminal 10 is stored in the server 30 as the server balance data. On the other hand, in an environment where network communication cannot be utilized, the seller-side terminal 10 cannot access the server 30. Therefore, when the offline money transaction of the present embodiment is performed, the terminal balance data stored in the storage unit 15 of the seller-side terminal 10 is inconsistent with the server balance data stored in the server 30. Therefore, when an offline money transaction is performed and the environment allows network communication, the balance data update function accesses the server 30 to update the server balance data stored in the server 30 so that the server balance data stored in the server 30 is consistent with the terminal balance data stored in the seller-side terminal 10.

[0061] The purchaser-side terminal 20 is an information terminal such as a smartphone, a tablet computer, or a notebook computer carried by the purchaser, such as Figure 3As shown, it has a camera 21, a communication unit 22, a display 23, an input unit 24, a memory unit 25, and an arithmetic unit 26. The camera 21 reads an information code 41 including transaction information displayed on the seller-side terminal 10 and so on. The communication unit 22 communicates with the server 30 in an environment where network communication can be utilized. The display 23 displays an information code 42 indicating payment completion and so on on the screen. The input unit 24 inputs payment information and so on by the purchaser. Furthermore, it can be configured to use a touch display that integrates the display 23 and the input unit 24. The memory unit 25 stores a program for conducting the money transaction of this embodiment and also stores the balance data of the electronic money. The arithmetic unit 26 realizes a recharge function for recharging electronic money in an environment where network communication can be utilized and a purchaser-side transaction function for offline executing a money transaction based on the electronic money by executing the program stored in the memory unit 25. Furthermore, the above program can be executed in the purchaser-side terminal 20 in the form of an application program or application software. Hereinafter, each function of the purchaser-side terminal 20 will be described.

[0062] The recharge function of the purchaser-side terminal 20 accesses the server 30 to recharge the electronic money in an environment where network communication can be utilized. Furthermore, the recharge function can be performed by a known method. For example, when recharging the electronic money by paying with a credit card, the recharge function is as Figure 5 (A) shows, a screen for inputting the amount to be recharged is displayed on the display 13. Then, when the purchaser inputs the recharge amount, as Figure 5 (B) shows, a recharge confirmation screen is displayed, and by the purchaser agreeing to the recharge, the server 30 is accessed, and the terminal balance data stored in the purchaser-side terminal 20 is updated according to the recharge amount.

[0063] The purchaser-side transaction function of the purchaser-side terminal 20 executes the payment of the money transaction based on the information code 41 including the transaction information displayed on the seller-side terminal 10. Specifically, the purchaser-side transaction function, when reading the information code 41 including the transaction information displayed on the seller-side terminal 10, extracts the transaction information from the information code 41, and based on the extracted transaction information, for example, as Figure 6 (A) shows, the transaction amount, balance, and balance after payment are displayed on the screen of the display 13. Also, the purchaser-side transaction function displays a payment button on the screen and requests the purchaser to agree to the payment of the transaction. Then, when the purchaser presses the payment button, the purchaser-side transaction function is as Figure 6As shown in (B), when the payment confirmation is displayed and the purchaser agrees to pay, the purchaser-side transaction function subtracts the transaction amount from the terminal balance data stored in the storage unit 25 of the purchaser-side terminal 20 and completes the payment. Furthermore, when the transaction amount is greater than the balance of the terminal balance data, the purchaser-side transaction function cannot execute the transaction, and an error is displayed on the screen of the display 13 (or it may also be displayed that the payment button cannot be pressed).

[0064] Also, when the payment is completed, the purchaser-side transaction function of the purchaser-side terminal 20 creates an information code 42 indicating the completion of the payment. As Figure 7 shown, the created information code 42 is displayed on the display 23. The reason is as follows. In existing online money transactions, it is possible to confirm at the seller-side terminal 10 that the payment has been completed at the purchaser-side terminal 20 via the server 30. On the other hand, in offline money transactions, it is not possible to confirm at the seller-side terminal 10 that the payment has been completed at the purchaser-side terminal 20. Therefore, by displaying such an information code 42 indicating the completion of the payment at the purchaser-side terminal 20 and having the seller-side terminal 10 read the information code 42 indicating the completion of the payment, it is possible for the seller-side terminal 10 to confirm the completion of the payment even in offline money transactions.

[0065] Furthermore, in this embodiment, personal information such as the account number, personal identification number (my number), and facial image of the seller or purchaser is pre-stored in the storage units 15 and 25 of the seller-side terminal 10 and the purchaser-side terminal 20 in the form included in an information code 43 such as a QR code. The information code 43 can be used when using services that use personal information such as medical services or administrative services with the seller-side terminal 10 and the purchaser-side terminal 20. In this embodiment, the terminal balance data can be pre-stored in such an information code 43. Furthermore, it is preferably configured such that, when offline, the seller-side terminal 10 and the purchaser-side terminal 20 cannot selectively use personal information except by unlocking through biometric authentication or the like.

[0066] Also, from the perspective of ensuring security, the terminal balance data (the terminal balance data included in the information code 43) stored in the storage units 15 and 25 is preferably encrypted in advance. For example, the key string representing the terminal balance data can be converted by a prescribed function f(x), and then encrypted by RSA encryption. Also, in order to further improve security, measures to make it difficult to analyze the disassembly of the program (for example, converting the names in the source code such as class names, method names, and variable names into names that are difficult for humans to read, encrypting the string containing the function, inserting meaningless repeated instructions or Goto statements, etc., to make the source code difficult to analyze, etc.) are also effective. Also, periodically changing the program is also effective.

[0067] The server 30 is provided on the Internet line 2 and has the following functions: when the seller-side terminal 10 and the buyer-side terminal 20 can be connected to the Internet line 2, data is transmitted and received with the seller-side terminal 10 and the buyer-side terminal 20 to conduct electronic payment. Also, as described above, the server 30 stores the balance data of the seller-side terminal 10 and the buyer-side terminal 20 as server balance data. When the terminal balance data of the seller-side terminal 10 and the buyer-side terminal 20 is inconsistent with the server balance data due to an offline money transaction, an update process can be performed to make the server balance data consistent with the terminal balance data. Furthermore, when performing the update process, in order to prevent improper behavior, it can be configured as follows: referring to a transaction code, etc., in the money transaction between the seller-side terminal 10 and the buyer-side terminal 20, it is checked whether the amount increased in the seller-side terminal 10 is consistent with the amount decreased in the buyer-side terminal 20.

[0068] Next, the information code 40 of this embodiment will be described. Figure 8 This is a diagram showing an example of the information code 40 of this embodiment. In this embodiment, an example of using a color QR code composed of information units of three or more colors is illustrated, but it is not limited to this configuration. It can also be a QR code (registered trademark) or a barcode composed of white and black information units arranged in a grid pattern.

[0069] As Figure 8 shown, the information code 40 of this embodiment is a square two-dimensional code having an information code area 401, a teacher code area 403, and a position detection pattern 405. The above information code area 401 is composed of colored information units 402 of two or more colors that are units for displaying information. The above teacher code area 403 has teacher units 404 having the same color as the information units 402 and the same number of colors as the information units 402 to identify the colors of the information units 402.

[0070] In particular, the information code 40 of the present embodiment has a plurality of teacher units 404 in the teacher code area 403 to improve the recognition accuracy of the color of the information unit 402. The types of colors of the teacher units 404 are the same as those of the information unit 402. By comparing the color of the teacher unit 404 with the color of the information unit 402, the color of the information unit 402 can be recognized with high accuracy. In particular, in a color QR code, the more types of colors there are, the closer the hues of the respective colors are. Therefore, it may be difficult to appropriately recognize the color of the information unit 402 due to the lighting environment such as illumination, the printing environment of the information code 40, the display environment of the information code 40 on a display or the like, the aging fading of the printed information code 40, and the like. Even in such a case, it is possible to recognize the color of the information unit 402 by referring to the teacher unit 404 and appropriately grasp the information of the information unit 402. For example, when the color information of the information unit 402 is purple and it is difficult to recognize whether it is similar to red or blue, when it is a color information closer to red than the color information of the purple teacher unit 404, it can be determined that the color of the information unit 402 is red. Furthermore, the color information can be numerically converted into RGB values or CMY values.

[0071] The information code area 401 can record a specific amount of specific information composed of character information and / or binary information by changing the display pattern of the information unit 402 as an information unit. The content of the specific information recorded in the information code area 401 is not particularly limited. In the present embodiment, personal information including biometric information for biometric authentication can be memorized. As personal information, in addition to biometric information, it can also include information such as a mobile phone number, a personal identification number, a passport number, an account number, a license number, a name, a social insurance number, a date of birth, a place of birth, a maiden name, and the like. Also, as biometric information, it can include a facial image, fingerprint information, iris information, palm shape, retina, blood vessels, voice, ear shape, and the like.

[0072] Furthermore, in the information code 40 of the present embodiment, the information code area 401 that records specific information is composed of information units 402 of three or more colors, and can record a larger amount of information compared to an information code composed of two colors, white and black. However, since the data capacity that can be memorized in the information code 40 is less than that of other recording media, when recording an image of the entire face at a resolution sufficient for facial authentication, even the information code area 401 composed of information units 402 of four colors may have a problem of insufficient memory capacity. Therefore, in the information code 40 of the present embodiment, instead of memorizing the entire face of the user, only a part of the face that is a feature point in facial authentication, such as the user's eyes or mouth, can be memorized in advance, and thus the facial image for facial authentication can be recorded in the information code 40.

[0073] Next, the off-line money transaction processing of this embodiment will be described. Figure 9 and Figure 10 is a flowchart showing the off-line money transaction processing of this embodiment. Furthermore, in the off-line money transaction processing shown in Figure 9 and Figure 10 in the case where electronic money with sufficient transaction amount is pre-charged and stored in the purchaser-side terminal 20 in an environment where network communication such as the Internet can be used. Also, hereinafter, a case where the seller-side terminal 10 is a mobile terminal such as a smart phone having a telephone call function, and the mobile phone number or the product identification number is stored in the memory unit 15 as information for identifying the seller-side terminal 10 itself will be described. Furthermore, as the product identification number for identifying the seller-side terminal 10 itself, for example, a MAC address or an IMEI number can be exemplified. Also, as the information for identifying the seller-side terminal 10 itself, a configuration using both the mobile phone number and the product identification number can be adopted, or a configuration using either the mobile phone number of the seller or the product identification number of the seller-side terminal 10 can be adopted. Hereinafter, a case where the mobile phone number of the seller is used as the information for identifying the seller-side terminal 10 will be described.

[0074] In step S101, personal authentication is performed on the seller-side terminal 10 and the purchaser-side terminal 20, respectively. For example, in this embodiment, when the seller-side terminal 10 and the purchaser-side terminal 20 start an application program or application software, first, facial images are read by the cameras 11 and 21, and facial authentication is performed. Furthermore, the method of facial authentication is not particularly limited, and a well-known method can be used. Also, the facial information required for facial authentication can be pre-shot by the cameras 11 and 21 and pre-stored in the memory units 15 and 25. Then, in step S102, a determination is made in the seller-side terminal 10 and the purchaser-side terminal 20 as to whether facial authentication can be performed. When facial authentication is successfully performed on both the seller-side terminal 10 and the purchaser-side terminal 20, step S103 is entered. On the other hand, when facial authentication cannot be performed on either the seller-side terminal 10 or the purchaser-side terminal 20, the off-line money transaction processing shown in Figure 9 cannot be continued. Therefore, after an error message is displayed in step S116, the off-line money transaction processing ends.

[0075] In step S103, data on the transaction amount of the money transaction is obtained by the seller-side terminal 10. For example, the seller-side terminal 10 can be configured such that by displaying a screen on the display 13 to prompt the seller to input the transaction amount, the seller inputs the transaction amount via the input unit 14, thereby obtaining the data on the transaction amount input by the seller.

[0076] In step S104, the seller-side terminal 10 generates an information code 41 containing transaction information and displays the generated information code 41 on the display 13. Specifically, the seller-side transaction function of the seller-side terminal 10 first generates a new transaction code and a time stamp, and stores the generated transaction code in the memory unit 15. Also, the seller-side transaction function generates an information code 41 (transaction start image information) containing the generated transaction code and time stamp, the seller code and the seller's mobile phone number stored in the memory unit 15, and the transaction amount data obtained in step S103. Then, the seller-side transaction function displays the generated information code 41 on the display 13 as shown in Figure 4 shown. Furthermore, in this embodiment, as shown in Figure 8 shown, a color QR code is generated and displayed as the information code 41, and a color QR code can be generated using a known method. Also, the transaction code is preferably a unique code at least within the seller-side terminal 10, and a completely unique code can be established by combining the transaction code with the seller code, the seller's mobile phone number, or the product identification number of the seller-side terminal 10.

[0077] In step S105, the buyer-side terminal 20 reads the information code 41 displayed on the seller-side terminal 10 in step S104. Specifically, the buyer-side transaction function of the buyer-side terminal 20 activates the camera 21 to prompt the buyer to read the information code 41 containing transaction information displayed on the seller-side terminal 10. Then, when the buyer takes a picture of the information code 41 displayed on the seller-side terminal 10 with the camera 21, the buyer-side transaction function extracts transaction information such as the seller code, transaction code, transaction amount, time stamp, and the seller's mobile phone number from the image data of the read information code 41.

[0078] Furthermore, when a certain time (for example, 1 minute) has elapsed since the information code 41 was displayed in step S104, the seller-side terminal 10 invalidates the displayed information code 41. In this case, the seller-side terminal 10 can determine whether the preset time has elapsed by using the time stamp included in the information code 41. Also, when the information code 41 is invalid, the seller-side terminal 10 can redisplay the information code 41 by automatically or manually updating the information code 41. Furthermore, when the information code 41 is updated, the transaction code and time stamp are updated again, but the seller code, transaction amount, and the seller's mobile phone number are included in the information code 41 again without change.

[0079] In step S106, the buyer-side transaction function of the buyer-side terminal 20 executes payment approval. For example, the buyer-side transaction function reads the transaction information from the information code 41 in step S103, as shown in Figure 6As shown in (A), information such as the transaction amount included in the read transaction information, the terminal balance data stored in the purchaser-side terminal 20, the balance after payment, etc., and a payment button are displayed on the display 23. Also, when the purchaser presses the payment button displayed on the display 23, the purchaser-side transaction function is as Figure 6 As shown in (B), a display content requesting payment approval is displayed on the screen. In this regard, when the purchaser indicates approval of payment via the input unit 24, payment approval is executed in the purchaser-side terminal 20.

[0080] Subsequently, it enters Figure 10 , since payment has been approved in step S107, the balance data of the electronic money is reduced by the purchaser-side transaction function of the purchaser-side terminal 20. For example, in the case where, as shown in Figure 6 (A) and (B), the terminal balance data of the electronic money is 10,000 yen and the cost (transaction amount) is 2,800 yen, the purchaser-side transaction function subtracts 2,800 yen from the terminal balance data of 10,000 yen of the electronic money and updates the terminal balance data to 7,200 yen.

[0081] In step S108, the purchaser-side transaction function of the purchaser-side terminal 20 displays an information code 42 indicating payment completion on the display 23. Specifically, the purchaser-side transaction function generates an information code 42 including data such as the seller code, transaction code, transaction amount, timestamp, the mobile phone number of the seller, etc., and data indicating payment completion, and as Figure 7 shown, the generated information code 42 is displayed on the display 23. Also, in step S109, the seller-side transaction function of the seller-side terminal 10 reads the information code 42 indicating payment completion displayed on the display 23 of the purchaser-side terminal 20 in step S109.

[0082] Furthermore, when a certain time (for example, 1 minute) has elapsed since the information code 42 was displayed in step S108, the purchaser-side terminal 20 can invalidate the displayed information code 42. In this case, the purchaser-side terminal 20 can determine whether the preset time has elapsed by using the timestamp included in the information code 42. Also, when the information code 42 is invalid, the purchaser-side terminal 20 can redisplay the information code 42 by automatically or manually updating the information code 42. Furthermore, when the information code 42 is updated, the timestamp is updated again, but the seller code, transaction code, transaction amount, and the mobile phone number of the seller are included in the information code 42 again without change as they were.

[0083] In step S110, the mobile phone numbers are compared through the seller-side transaction function of the seller-side terminal 10. Specifically, the seller-side transaction function determines whether the mobile phone number of the seller stored in the memory unit 15 of the seller-side terminal 10 is consistent with the mobile phone number of the seller included in the information code 42 read in step S109.

[0084] Also, in step S111, the transaction codes are compared through the seller-side transaction function. Specifically, the seller-side transaction function determines whether the valid transaction code stored in the memory unit 15 of the seller-side terminal 10 (the transaction code not deleted in the subsequent step S114; hereinafter also referred to as the valid transaction code) is consistent with the transaction code included in the information code 42 read in step S109.

[0085] Then, in step S112, through the seller-side transaction function, it is determined whether both the mobile phone number and the transaction code are consistent. When either the mobile phone number or the transaction code is inconsistent, it is considered that there may be an error or improper behavior by a third party (the details will be described later), and the process proceeds to step S116. Through the seller-side transaction function, an error message indicating that the transaction cannot be completed is displayed, and the offline money transaction process ends. On the other hand, when both the mobile phone number and the transaction code are consistent, the process proceeds to step S113.

[0086] In step S113, through the seller-side transaction function of the seller-side terminal 10, based on the information code 42 indicating the completion of payment read in step S109, the terminal balance data of the seller-side terminal 10 is increased. Specifically, the seller-side transaction function confirms that the payment has been completed in the purchaser-side terminal 20 through the information code 42 indicating the completion of payment, and increases the terminal balance data of the electronic money of the seller-side terminal 10 by an amount equivalent to the transaction amount.

[0087] In the subsequent step S114, the transaction code stored in the storage unit 15 is deleted through the seller-side terminal 10. Then, in step S115, the display content (icons, buttons, etc.) of the information code 42 of the purchaser-side terminal 20 is turned off (e.g., grayed out) through the seller-side terminal 10. Thus, in this embodiment, when the increase in the terminal balance data is completed in the seller-side terminal 10, by deleting the transaction code from the seller-side terminal 10 and making it unreadable, it is possible to prevent the information code 42 displayed on the purchaser-side terminal 20 from being read again on the same seller-side terminal 10, and the situation where the terminal balance data is increased more than twice for the same transaction. Furthermore, even if step S115 is not performed and the information code 42 remains readable on the seller-side terminal 10, when the transaction code is deleted in step S114, the information code 42 displayed on the purchaser-side terminal 20 will be read again. In this case (step S109), it is determined in step 112 that the transaction codes do not match, so the terminal balance data cannot be increased again on the seller-side terminal 10.

[0088] Also, in step S112, by determining the consistency of the transaction code and the mobile phone number, it is possible to prevent improper behavior of increasing the terminal balance data when an information code 42 displayed on the purchaser-side terminal 20 is read by another mobile terminal unrelated to the transaction (a mobile terminal that does not display the information code 41 in step S104, hereinafter referred to as an unrelated terminal). That is, in this embodiment, for an unrelated terminal of the seller-side terminal 10 that does not present the information code 41, a transaction code for this transaction is not generated in step S104, and furthermore, the mobile phone number of the unrelated terminal cannot be transmitted to the purchaser-side terminal 20. Therefore, in step S112, it is not possible to make the transaction code and the mobile phone number included in the information code 42 displayed on the purchaser-side terminal 20 consistent. Thus, in step S116, an error message such as "This is a different transaction. Please confirm the transaction items and the purchaser, and then reshoot the information code" will be displayed.

[0089] Furthermore, in step S107, after the terminal balance data of the purchaser-side terminal 20 decreases, if the seller-side terminal 10 drops and is damaged, etc., and it is impossible to perform the processing after step S109 immediately (within a certain time, such as within 1 minute, when the purchaser-side terminal 20 displays the information code 41 in step S108) on the seller-side terminal 10, it may be impossible to increase the terminal balance data in the current transaction on the seller-side terminal 10. Therefore, in step S108, the purchaser-side terminal 20 can also be configured to encrypt the information code 42 and store it in the memory unit 15, and set the expiration date of the information code 42 to, for example, one year or indefinite. In this case, after the seller-side terminal 10 becomes available, the information code 42 is displayed again on the purchaser-side terminal 20, thereby enabling the processing after step S109 to be continued.

[0090] Perform the offline money transaction processing as described above. Furthermore, at the time point when the offline money transaction processing ends, the terminal balance data of the seller-side terminal 10 is inconsistent with the server balance data of the seller-side terminal 10 stored in the server 30. Therefore, the data update function of the seller-side terminal 10 is to access the server 30 and update the server balance data stored in the server 30 to make it consistent with the terminal balance data stored in the seller-side terminal 10 when it is in an environment where network communication can be used after the offline money transaction processing is performed. Figure 9

[0091] Furthermore, in the Figure 9 example shown, an example is illustrated in which the offline money transaction is started by the seller entering the transaction amount in the seller-side terminal 10, but it is not limited to this configuration. For example, it can be set to a configuration in which the offline money transaction is started by the purchaser entering the transaction amount in the purchaser-side terminal 20. For example, a QR code containing the identification information of the seller can be placed in the store in advance, and the purchaser uses the purchaser-side terminal 20 to read the QR code and then enters the transaction amount, thereby entering the state of step S105 of the above offline money transaction processing.

[0092] ​As described above, in this embodiment, by reading an information code 41 containing transaction information displayed on the seller-side terminal 10 into the purchaser-side terminal 20, transaction information such as data on the transaction amount is obtained. When the purchaser agrees to pay the transaction amount, the transaction amount is subtracted from the terminal balance data of the electronic currency held by the purchaser-side terminal 20. Thereafter, an information code 42 indicating that the payment is completed is displayed on the display 23. Furthermore, the seller-side terminal 10 can confirm that the payment has been completed in the purchaser-side terminal 20 by reading the information code 42 indicating that the payment is completed displayed on the purchaser-side terminal 20, and increase the terminal balance data of the seller-side terminal 10 by an amount corresponding to the transaction amount. Thus, in this embodiment, even in an offline environment where the seller-side terminal 10 and the purchaser-side terminal 20 cannot use network communication, a money transaction using electronic currency can be carried out between the seller-side terminal 10 and the purchaser-side terminal 20.

[0093] The above has described the preferred embodiments of the present invention. The technical scope of the present invention is not limited to the descriptions of the above embodiments. Various changes and improvements can be made to the above embodiments, and such forms after the changes or improvements are also included in the technical scope of the present invention.

[0094] For example, from the perspective of privacy protection in the above embodiment, the seller-side terminal 10 and the purchaser-side terminal 20 can be configured not to exchange data that can identify the seller-side terminal 10 and the purchaser-side terminal 20. For example, the seller-side terminal 10 and the purchaser-side terminal 20 can be configured to display information codes 41 and 42 containing only data such as transaction codes and transaction amounts as transaction information. Thus, similar to a money transaction using only physical currency, the system side cannot track information such as with whom the transaction is made and what kind of transaction is made.

[0095] Also, in the above embodiment, electronic currency is exemplified as the money data used by the seller-side terminal 10 and the purchaser-side terminal 20, but the configuration is not limited thereto. For example, a configuration using digital currency, points, virtual currency, etc. as money data can also be adopted.

[0096] In addition, in the above embodiment, as the information code 40, a configuration is exemplified in which, as shown in Figure 8 the teacher code area 403 is arranged at the lower left side of the information code area 401. However, the position where the teacher code area 403 is arranged is not particularly limited. For example, a configuration in which it is arranged at the upper side or the lower right side of the information code area 401 can be adopted. Also, in the example shown in Figure 8 a configuration in which the teacher code area 403 is arranged adjacent to the information code area 401 is exemplified, but a configuration in which it is arranged at a position far from the information code area 401 can also be adopted. Furthermore, in Figure 8In the illustrated example, the information code 40 is exemplified as having only one teacher code area 403, but it is not limited to this configuration. It can be configured such that one teacher code area 403 is arranged on each of the upper and lower sides of the information code area 401, etc., having a configuration with a plurality of teacher code areas 403. Further, it can also be configured such that in the information code 40, one or a plurality of teacher code areas 403 are provided inside the information code area 401.

[0097]

Symbol Explanation

[0098] 1: Money transaction system

[0099] 10: Seller-side terminal

[0100] 11: Camera

[0101] 12: Communication unit

[0102] 13: Display

[0103] 14: Input unit

[0104] 15: Memory unit

[0105] 16: Arithmetic unit

[0106] 20: Buyer-side terminal

[0107] 21: Camera

[0108] 22: Communication unit

[0109] 23: Display

[0110] 24: Input unit

[0111] 25: Memory unit

[0112] 26: Arithmetic unit

[0113] 30: Server

[0114] 40~42: Information code

[0115] 401: Information code area

[0116] 402: Information unit

[0117] 403: Teacher code area

[0118] 404: Teacher unit

[0119] 405: Positioning pattern

[0120] 2: Internet line

Claims

1. A money transaction system comprising a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, wherein a money transaction based on money data is performed offline between the first information terminal and the second information terminal, The second information terminal has a second display means for causing the second image display unit to display transaction start image information including data of the transaction amount in the money transaction. The first information terminal has: a first memory means for memorizing the balance data held by the first information terminal; a first image reading means for causing the first image reading section to read the transaction start image information displayed on the second image display section of the second information terminal; an acquisition means for acquiring data of the transaction amount from the transaction start image information read by the first image reading unit; a payment means for reducing the balance of the balance data memorized by the first memory means according to the transaction amount when the user of the first information terminal agrees to pay the transaction amount; and a first display means for displaying payment completion image information on the first image display unit when the reduction of the balance of the balance data by the payment means is completed; The second information terminal has: a second memory means for memorizing the balance data held by the second information terminal; a second image reading means for causing the second image reading unit to read the payment completion image information displayed on the first information terminal; and The receiving means, when reading the payment completion image information, increases the balance of the balance data stored in the second storage means according to the transaction amount.

2. The money transaction system according to claim 1, wherein: The second information terminal has an input means for inputting the transaction amount. In the second information terminal, the second display means generates the transaction start image information including transaction information, and causes the second image display unit to display the transaction start image information, wherein the transaction information includes the transaction amount inputted by the input means. In the above-mentioned first information terminal, the above-mentioned acquisition means acquires the above-mentioned transaction information from the above-mentioned transaction start image information, and when the above-mentioned first display means reads the above-mentioned transaction start image information containing the above-mentioned transaction information, it displays the image requesting the above-mentioned consent on the above-mentioned first image display unit of the above-mentioned first information terminal, so that the user of the above-mentioned first information terminal agrees to pay the above-mentioned transaction amount.

3. The money transaction system according to claim 1, wherein: In the second information terminal, the second display means generates the transaction start image information including the identifier of the second information terminal and the transaction code of this transaction, and causes the second image display unit to display the transaction start image information. In the first information terminal, The first image reading means causes the first image reading unit to read the transaction start image information including the identifier of the second information terminal and the transaction code. The first display means generates the payment completion image information in a manner including the identifier of the second information terminal read by the first image reading unit from the transaction start image information and the transaction code, and causes the first image display unit to display the generated payment completion image information, In the above-mentioned second information terminal, the above-mentioned receiving means determines whether the identifier of the above-mentioned second information terminal and the above-mentioned transaction code contained in the above-mentioned payment completion image information displayed by the above-mentioned first information terminal are consistent with the identifier of the above-mentioned second information terminal and the above-mentioned transaction code pre-memorized in the above-mentioned second information terminal. If they are consistent, the balance of the balance data memorized by the above-mentioned second memory means is increased.

4. The money transaction system according to claim 1, wherein: The payment completion image information is displayed in the form of an information code, and the information code has information units arranged in two dimensions as information units.

5. The money transaction system according to claim 1, wherein: The money transaction is performed only within the range of the balance of the balance data of the first information terminal.

6. The money transaction system of claim 1, wherein: The balance data of the first information terminal is memorized in the memory means of the first information terminal in the form of being included in an information code, wherein the information code is composed of information units arranged in two dimensions as information units. The balance data of the second information terminal is also memorized in the memory means of the second information terminal in the form of being included in an information code, and the information code has information units arranged in two dimensions as information units.

7. An information terminal comprising a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and being a second information terminal in a money transaction system for performing money transactions based on money data off-line between the first information terminal and the second information terminal, wherein the information terminal performs the following means: a second memory means for memorizing the balance data held by the second information terminal; Input means, input the transaction amount of the above money transaction; a second display means for causing the second image display unit to display transaction start image information including the data of the transaction amount inputted by the input means; a second image reading means for causing the second image reading unit to read the payment completion image information displayed on the first information terminal when the payment completion image information indicating that the payment has been completed is displayed on the first information terminal; and When the receiving means reads the payment completion image information, the receiving means increases the balance of the balance data stored in the second storage means according to the transaction amount.

8. A computer program, wherein a money transaction system is provided with a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and wherein a money transaction based on money data is performed offline between the first information terminal and the second information terminal, the computer program being executed by the first information terminal, the computer program performing the following functions: A first memory function for memorizing the balance data held by the first information terminal; a first image reading function that causes the first image reading unit to read transaction start image information displayed on the second image display unit of the second information terminal and including data of a transaction amount in the monetary transaction; an acquisition function, for acquiring data of the transaction amount from the transaction start image information read by the first image reading function; a payment function for reducing the balance of the balance data memorized by the first memory function according to the transaction amount when the user of the first information terminal agrees to pay the transaction amount; and The first display function causes the first image display unit to display payment completion image information when the reduction of the balance of the balance data by the payment function is completed.

9. A computer program, wherein a money transaction system is provided with a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, and wherein a money transaction based on money data is performed offline between the first information terminal and the second information terminal, the computer program being executed by the second information terminal, the computer program performing the following functions: A second memory function for memorizing the balance data held by the second information terminal; a second display function for causing the second image display unit to display transaction start image information including data of the transaction amount of the monetary transaction; a second image reading function, when the first information terminal displays payment completion image information indicating that payment has been completed, causing the second image reading unit to read the payment completion image information displayed on the first information terminal; and The receiving function, when reading the payment completion image information, increases the balance of the balance data memorized by the second memory function according to the transaction amount.

10. An off-line money transaction method, which uses a first information terminal having a first image display unit and a first image reading unit, and a second information terminal having a second image display unit and a second image reading unit, to perform a money transaction based on money data off-line between the first information terminal and the second information terminal, The first information terminal stores the balance data maintained by the first information terminal, obtains the transaction amount data in the money transaction, and when the user of the first information terminal agrees to pay the transaction amount, reduces the balance of the balance data stored in the first information terminal according to the transaction amount, and when the reduction of the balance of the balance data is completed, displays the payment completion image information on the first image display unit. The above-mentioned second information terminal stores the balance data maintained by the above-mentioned second information terminal, and reads the above-mentioned payment completion image information displayed by the above-mentioned first information terminal through the above-mentioned second image reading unit. When the above-mentioned payment completion image information is read, the balance data stored in the above-mentioned second information terminal is increased according to the above-mentioned transaction amount.

Images