Electronic settling system and electronic settling method
First Claim
1. An electronic settling system for executing settlements on the Internet, comprising a computer, wherein said computer includes:
- a storage means for storing financial transaction information of every user;
a settling information receiving means for receiving settling information transmitted from the user through a telecommunication line;
a settlement execution means for executing a settlement between the users based on the settling information received by said settling information receiving means; and
an updating means for updating the financial transaction information of the users stored in said storage means so as to reflect the content of the settlement executed by said settlement execution means.
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Accused Products
Abstract
An electronic settling system and method capable of executing settlements on the Internet in real time at a decreased cost is provided. The electronic settling system executes a settlement on the Internet using a computer. The computer comprises a storage means for storing financial transaction information of every user, a settling information receiving means for receiving settling information transmitted from the user through a telecommunication line, a settlement execution means for executing the settlement between the users based on the settling information received by the settling information receiving means, and an updating means for updating the financial transaction information of the users stored in the storage means so as to reflect the content of the settlement executed by the settlement execution means.
89 Citations
38 Claims
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1. An electronic settling system for executing settlements on the Internet, comprising a computer, wherein said computer includes:
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a storage means for storing financial transaction information of every user;
a settling information receiving means for receiving settling information transmitted from the user through a telecommunication line;
a settlement execution means for executing a settlement between the users based on the settling information received by said settling information receiving means; and
an updating means for updating the financial transaction information of the users stored in said storage means so as to reflect the content of the settlement executed by said settlement execution means. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. An electronic settling system for executing settlements on the Internet, comprising a computer, wherein said computer includes:
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a user electronic money data storage means for memorizing user electronic money data;
an issuer electronic money data storage means for memorizing electronic money data when electronic money is issued;
a receiving means for receiving electronic money issuance demand information sent from a portable information terminal of a user;
a means for sending, upon the receipt of electronic money issuance demand information, electronic money data based on this electronic money issuance demand information from said user electronic money data storage means corresponding to the electronic money issuance demand information to said issuer electronic money data storage means, to thereby memorize the electronic money data in said issuer electronic money data storage means; and
an electronic money issuance means for transmitting the electronic money data memorized in said issuer electronic money data storage means to a portable information terminal of a predetermined one of the users, based on the electronic money issuance demand information. - View Dependent Claims (35)
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36. An electronic settling system for executing settlements, comprising a card information processing apparatus and a card authentication apparatus, wherein
said card information processing apparatus includes a means for receiving, when credit card or debit card or other card information memorized in a portable information terminal of a user is sent from this portable information terminal, such card information, and sending this card information to said card authentication apparatus; -
said card authentication apparatus includes a means for receiving the card information sent from said card information processing apparatus, performing predetermined authentication based on this card information, and then sending authentication result information to said card information processing apparatus; and
said card information processing apparatus includes a means for receiving the authentication result information sent from said card authentication apparatus.
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37. An electronic settling method for executing settlements on the Internet using a computer, comprising the steps of:
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storing financial transaction information of every user in said computer;
upon receipt of settling information transmitted from the user through a telecommunication line, executing the settlement between the users based on the settling information; and
updating said financial transaction information of the users. - View Dependent Claims (38)
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Specification