Electronic purse application system and method thereof

• US 20020029380A1
• Filed: 10/30/2001
• Published: 03/07/2002
• Est. Priority Date: 06/14/1996
• Status: Active Grant

• Current Assignee: Iwao Aizawa, Kenji Matsumoto, Masayuki Inoue, Shigeyuki Itoh, Yutaka Takami
• Original Assignee: Iwao Aizawa, Kenji Matsumoto, Masayuki Inoue, Shigeyuki Itoh, Yutaka Takami
• Inventors: Inoue, Masayuki, Matsumoto, Kenji, Takami, Yutaka, Itoh, Shigeyuki, Aizawa, Iwao
• Granted Patent: US 7,346,579 B2
• Time in Patent Office: Days
• US Class Current: 725/1
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

On the basis of information which is the standard for transaction conditions such as amount information in an IC card as well as age information registered in the IC card or a predetermined contract destination, a transaction when electronic money is used and restrictions and conditions for program audience are automatically set.

Claims

1. An electronic purse application system comprising:

an IC card for storing electronic money information and information for giving transaction conditions using electronic money;

IC card read/write means for reading and writing information stored in said IC card;

input means for inputting transaction information using electronic money;

means for storing standard information for judging approval or disapproval of transaction desired by an owner of said IC card;

means for deciding approval or disapproval of transaction inputted by said input means on the basis of said information for giving transaction conditions which is read by said IC card read/write means and said standard information stored in said storage means; and

means for updating electronic money information in said IC card depending on the charge for said transaction on the basis of said information for giving transaction conditions when said decision by said deciding means is approval.

3. An electronic purse application system according to claim 1, wherein said information for giving transaction conditions in said IC card is age information of an owner of said IC card.

4. An electronic purse application system according to claim 1, wherein said standard information stored in said storage means is age information indicating approval or disapproval of a predetermined transaction.

7. An electronic purse application system according to claim 3, wherein when said age information of said owner of said IC card indicates a transactable age, said electronic money information in said IC card is updated depending on the charge for said transaction.

14. An electronic purse application system according to claim 1, wherein said standard information stored in said storage means is at least one attribute information of said owner of said IC card.

16. An electronic purse application system according to claim 1, wherein said standard information stored in said storage means is information indicating whether transaction desired by said owner of said IC card is legal or not.

17. An electronic purse application system according to claim 1, wherein said standard information is stored in said IC card.

2. An electronic purse application system comprising:

an IC card for storing electronic money information, an encryption key signal for decrypting encrypted data, and age information;

IC card read/write means for reading and writing information stored in said IC card;

input means for inputting transaction information using electronic money;

means for storing standard information for judging approval or disapproval of transaction desired by an owner of said IC card;

means for deciding approval or disapproval of transaction inputted by said input means on the basis of said age information which is read by said IC card read/write means and said standard information stored in said storage means; and

means for updating electronic money information in said IC card depending on the charge for said transaction when said decision by said deciding means is approval.

5. An electronic purse application system according to claim 2, wherein said standard information stored in said storage means is age information indicating approval or disapproval of a predetermined transaction.

6. An electronic purse application system according to claim 2, further comprising;

decrypting means for decrypting at least one of video, audio, and control signal constituting a program;

means for decrypting, when a program is selected as a transaction inputted by said input means and the decision by said deciding means is approval, said selected program by said decrypting means on the basis of said encryption key signal; and

means for subtracting the charge for said program selection from said electronic money information in said IC card.

8. An electronic purse application system comprising:

an IC card for storing electronic money information, an encryption key signal for decrypting encrypted data, and age information;

IC card read/write means for reading and writing information stored in said IC card;

input means for inputting transaction information using electronic money;

a decoder for decrypting at least one of video, audio, and control signal constituting a program;

a center device connected to said decoder via a public circuit network.

storage means in said center device for storing standard information for judging approval or disapproval of audience of a program selected by an owner of said IC card;

means for deciding approval or disapproval of audience of said program selected by said input means on the basis of said age information which is read by said IC card read/write means and said standard information stored in said center device;

means for decrypting said selected program by said decoder on the basis of said encryption key signal when said decision by said deciding means is approval; and

means for subtracting the charge for said selected program from said electronic money information in said IC card.

9. An electronic purse application system according to claim 8, wherein when said standard information stored in said center device is age information indicating approval or disapproval of audience of a predetermined program and said age information of said owner of said IC card indicates an age capable of audience of said program, said electronic money information in said IC card is subtracted depending on the charge for said selected program.

10. An electronic purse application system comprising:

an IC card for storing electronic money information and information for giving transaction conditions using electronic money;

IC card read/write means for reading and writing information stored in said IC card;

input means for selecting a good to be purchased using electronic money;

goods pick up controller for controlling picking up of said good;

price information storage means for storing selling price information of said good;

means for storing standard information for judging approval or disapproval of selling of a good desired by an owner of said IC card;

means for deciding approval or disapproval of selling of said good selected by said input means on the basis of said information for giving transaction conditions which is read by said IC card read/write means and said standard information stored in said storage means;

means for picking up said selected good by said goods pick up controller when said decision by said deciding means is approval; and

means for subtracting the selling price of said picked-up good from said electronic money information in said IC card.

11. An electronic purse application system according to claim 10, wherein when said standard information stored in said storage means is age information indicating approval or disapproval of selling of a predetermined good and said age information of said owner of said IC card who selects said good indicates an age capable of selling of said good, the selling price of said selected good is subtracted from said electronic money information in said IC card.

13. An electronic purse application system according to claim 12, wherein said standard information stored in said storage means is age information for deciding a selling price of a predetermined ticket and said selling price of said ticket is subtracted from said electronic money information in said IC card on the basis of said age information of said owner of said IC card who selects said ticket and said standard information.

15. An electronic purse application system according to claim 14, wherein said attribute information is the date of birth of said owner of said IC card.

12. An electronic purse application system comprising:

an IC card for storing electronic money information and information for giving transaction conditions using electronic money;

IC card read/write means for reading and writing information stored in said IC card;

input means for selecting a ticket to be purchased using electronic money;

ticket issue control means for controlling issue of said ticket;

ticket issue charge processing means for calculating an issue charge of said ticket;

means for storing standard information for calculating an issue charge of a ticket desired by an owner of said IC card;

means for deciding a selling price of said ticket selected by said input means on the basis of said information for giving transaction conditions which is read by said IC card read/write means and said standard information stored in said storage means; and

means for subtracting said decided selling price of said ticket from said electronic money information in said IC card.

18. An electronic purse use method in an electronic purse system having an IC card for storing electronic money information and information for giving transaction conditions using electronic money comprising:

a step of reading said information for giving transaction conditions from said IC card by IC card read/write means;

a step of deciding approval or disapproval of transaction inputted by input means for inputting said transaction information using electronic money on the basis of said information for giving transaction conditions which is read by said reading step and prestored standard information; and

a step of updating said electronic money information in said IC card depending on the charge for said transaction on the basis of said information for giving transaction conditions when the decision by said deciding step is approval.

19. An electronic purse use method in an electronic purse system having an IC card for storing electronic money information, an encryption key signal for decrypting encrypted data, and age information comprising:

a step of reading said information for giving transaction conditions from said IC card by IC card read/write means;

a step of deciding approval or disapproval of transaction inputted by input means for inputting said transaction information using electronic money on the basis of said age information which is read by said reading step and prestored standard information; and

a step of updating said electronic money information in said IC card depending on the charge for said transaction when the decision by said deciding step is approval.