Electronic money system
First Claim
1. An electronic money system comprising a first information processing apparatus of a user purchasing a commodity through the intermediary of a network a second information processing apparatus for selling the commodity to the user through the intermediary of the network and a third information processing apparatus for managing electronic money of the user wherein the first information processing apparatus accesses the second information processing apparatus through the intermediary of the network to request the purchase of the commodity the second information processing apparatus inquires, through the intermediary of the network of the third information processing apparatus the balance of electronic money held by the user with respect to the price of the commodity when an application of purchase of the commodity has been received from the first information processing apparatus through the intermediary of the network and upon receipt of the inquiry about the balance from the second information processing apparatus, the third information processing apparatus checks the balance of the user that it manages and if it is confirmed that the balance is below the price of the commodity, then the third information processing apparatus carries out credit processing, and adds an amount based on the result of the credit processing to the balance of the user.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic money system related to network type and IC card type electronic money for preventing an affiliated store from failure to collect purchase amount and for permitting shopping to be securely accomplished through the intermediary of a network. A user terminal (2-1) accesses an affiliated store terminal (4-1) through the intermediary of the Internet (1) to purchase a commodity. The affiliated store terminal (4-1) refers to a settlement apparatus (7) through the intermediary of the Internet (1) for the balance of electronic money stored in a database (25) of an e-Wallet (24) of the user of the user terminal (2-1). If the balance is larger than a purchase amount, then the settlement apparatus (7) subtracts the purchase amount from the balance to update the balance. If the balance is smaller than the purchase amount, then an overdraft amount based on a credit level of the user is added to the balance, and if the resulting total amount is larger than the purchase, the settlement is carried out.
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Citations
48 Claims
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1. An electronic money system comprising a first information processing apparatus of a user purchasing a commodity through the intermediary of a network a second information processing apparatus for selling the commodity to the user through the intermediary of the network and a third information processing apparatus for managing electronic money of the user wherein the first information processing apparatus accesses the second information processing apparatus through the intermediary of the network to request the purchase of the commodity the second information processing apparatus inquires, through the intermediary of the network of the third information processing apparatus the balance of electronic money held by the user with respect to the price of the commodity when an application of purchase of the commodity has been received from the first information processing apparatus through the intermediary of the network and upon receipt of the inquiry about the balance from the second information processing apparatus, the third information processing apparatus checks the balance of the user that it manages and if it is confirmed that the balance is below the price of the commodity, then the third information processing apparatus carries out credit processing, and adds an amount based on the result of the credit processing to the balance of the user.
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2. An information processing apparatus connected to another information processing apparatus through the intermediary of a network, comprising:
- managing means for managing the electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
adding means for carrying out credit processing and adding a credit amount based on the result of the credit processing to the balance of the user if the electronic money balance of the user that is managed by the managing means is below a purchase amount of the commodity. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9)
- managing means for managing the electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
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10. An information processing method for an information processing apparatus connected with another information processing apparatus through the intermediary of a network, comprising:
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
an adding step for carrying out credit processing and adding a credit amount based on the result of the credit processing to the balance of the user if the electronic money balance of the user that is managed by the processing of the management step is below a purchase amount of the commodity. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
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18. A program for an information processing apparatus connected with another information processing apparatus through the intermediary of a network, the program causing a computer to carry out:
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
an adding step for carrying out credit processing and adding a credit amount based on the result of the credit processing to the balance of the user if the electronic money balance of the user that is managed by the processing of the management step is below a purchase amount of the commodity. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25)
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
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26. A recording medium having a computer-readable program recorded therein, the program being for an information processing apparatus connected with another information processing apparatus through the intermediary of a network, the program comprising:
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
an adding step for carrying out credit processing and adding a credit amount based on the result of the credit processing to the balance of the user if the electronic money balance of the user that is managed by the processing of the management step is below a purchase amount of the commodity.
- a management step for managing electronic money of a user purchasing a predetermined commodity through the intermediary of the network; and
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27. An electronic money crediting system comprising:
- a POS terminal for performing settlement by electronic money that has a determiner for determining an electronic money balance received from an IC card and the level of the selling price of a commodity and a settlement means for carrying out settlement processing by adding a predetermined amount to the balance after carrying out predetermined credit processing if the electronic money balance is smaller than the selling price, and an IC card having an electronic money card function and another settlement function, a storage device that stores card information, including electronic money balance data, and permits reading and writing, and a controller that updates the electronic money balance by electronic money received from the POS terminal after predetermined credit processing is carried out if the electronic money balance at the time of purchasing a commodity is smaller than the selling price of the commodity desired to be purchased.
- 28. A POS terminal for carrying out settlement by electronic money, comprising a determiner for determining an electronic money balance received from an IC card and the level of the selling price of a commodity and a settlement means for carrying out settlement processing by adding a predetermined amount to the balance after carrying out predetermined credit processing if the electronic money balance is smaller than the selling price.
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34. An IC card that has an electronic money card function and another settlement function, comprising:
- a storage device that stores card information including the data on electronic money balance and permits read/write; and
a controller that updates the electronic money balance by the electronic money deposited through a POS terminal at a store after predetermined credit processing if the electronic money balance at the time of purchasing a commodity is smaller than the selling price of the commodity desired to be purchased. - View Dependent Claims (35, 36)
- a storage device that stores card information including the data on electronic money balance and permits read/write; and
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37. A settlement program for performing settlement by electronic money, comprising:
- determining means for determining the electronic money balance received from an IC card and the level of a selling price of a commodity; and
settlement means for adding a predetermined amount to a balance to perform settlement processing after carrying out predetermined credit processing if the electronic money balance is smaller than the selling price. - View Dependent Claims (38, 39, 40, 41, 42)
- determining means for determining the electronic money balance received from an IC card and the level of a selling price of a commodity; and
- 43. A settlement method for carrying out settlement by electronic money, whereby the electronic money balance received from an IC card and the level of a selling price of a commodity are determined, and if the electronic money balance is smaller than the selling price, then a predetermined amount is added to the balance after predetermined credit processing is carried out so as to implement the settlement processing.
Specification