Electronic Money Terminal

• US 20090050691A1
• Filed: 04/11/2006
• Published: 02/26/2009
• Est. Priority Date: 04/18/2005
• Status: Abandoned Application

• Current Assignee: Sanden Corporation (Qingdao Huatong State-Owned Capital Operation (Group) Co., Ltd.)
• Original Assignee: Sanden Corporation (Qingdao Huatong State-Owned Capital Operation (Group) Co., Ltd.)
• Inventors: Matsumoto, Naoto
• Application Number:
  US11/886,863
• Publication Number:
  US 20090050691A1
• Time in Patent Office: Days
• US Class Current: 235/379
• 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 20/229 Hierarchy of users of accounts
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The present invention provides an electronic money terminal which alone can handle multiple types of electronic money services. Since the electronic money terminal has a storage unit for storing a plurality of settlement processing programs each corresponding to one electronic money service, a selection unit for allowing a user to select an electronic money service that is used for settlement processing, and a control unit for causing a settlement processing program to be executed, which corresponds to the electronic money service selected by an input unit, the single electronic money terminal can perform settlement processing using the multiple types of electronic money services. As a result, since the number of the electronic money terminals in the entire system can be reduced, costs required to introduce the settlement systems corresponding to the electronic money services can be reduced.

Claims

1. An electronic money terminal comprising:

a reader/writer device for reading and writing data from/to an IC chip in which electronic money, which is used in an electronic money service, is stored

storage means for storing a plurality of settlement processing programs each corresponding to one electronic money service;

selection means for allowing a user to select an electronic money service used at the time of settlement; and

control means for performing settlement processing of the electronic money stored in the IC chip through the reader/writer device by causing the settlement processing program to be executed, which corresponds to the electronic money service selected by the selection means.

2. The electronic money terminal according to claim 1, said control means performs the control so as to allow the electronic money services associated with a plurality of settlement processing programs stored in the storage means to be selected by the selection means.

3. The electronic money terminal according to claim 2, said control means performs the control so as to detect whether or not electronic money for the electronic money service associated with the settlement processing program is stored in the IC chip, for each settlement processing program stored in the storage means, and to allow only the electronic money service associated with the detected electronic money to be selected by the selection means.

4. The electronic money terminal according to claim 2, said control means detects whether or not electronic money associated with the electronic money service selected by the selection means is stored in the IC chip, and, only when the electronic money is detected, causes the settlement processing program for the electronic money to be executed.

5. The electronic money terminal according to claim 1, said control means provides a storage area for a first electronic money on the IC chip when the storage area for the electronic money (first electronic money) associated with the electronic money service selected by the selection means is not provided on the IC chip.

6. The electronic money terminal according to claim 5, said control means removes from the IC chip part or all of the electronic money (second electronic money) different from the first electronic money, among the electronic monies stored in the IC chip when the storage area for the first electronic money is provided on the IC chip, if an area required for the storage of the first electronic money cannot be reserved on the IC chip.

7. The electronic money terminal according to claim 6 comprising:

a communication device for network connection,

wherein the control means reads out the second electronic money to be removed before part or all of the second electronic money is removed from the IC chip, and sends the read electronic money to a predetermined management server through the communication device.

8. The electronic money terminal according to claim 1 comprising:

a communication device for network connection,

wherein the control means stores in the storage means the settlement processing program, which is received from the predetermined management server through the communication device.

9. The electronic money terminal according to claim 1, said control means performs the control so as to use authentication information stored in the IC chip to authenticate that the user of the IC chip is legitimate prior to providing an electronic money service.