ELECTRONIC MONEY SERVER, ELECTRONIC MONEY PROCESSING METHOD, ELECTRONIC MONEY PROCESSING PROGRAM PRODUCT, AND STORAGE MEDIUM ON WHICH ELECTRONIC MONEY PROCESSING PROGRAM PRODUCT IS STORED
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Accused Products
Abstract
The purpose of the present invention is to provide an electronic money server that supports regular periodic payments using electronic money. On the electronic money server, a payment debt is created in association with an electronic money function section ID (S105). A “transaction ID” is also determined at that time. An electronic money application on a portable terminal sends the electronic money server a payment debt request to ascertain whether or not a payment debt exists (S115). If a payment debt exists and the due date thereof has been reached (S120; Y), the electronic money server sends the portable terminal a payment connection request (S130) and requests authorization from the user. If the user sends an “approval” notification to the electronic money server (S135), the electronic money server sends a payment request by sending a subtraction command to an IC chip in the portable terminal (S140).
56 Citations
30 Claims
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1-10. -10. (canceled)
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11. An electronic money server that can connect to a portable terminal having a function of storing value of electronic money expressing an amount of money value as electronic data, the portable terminal having unique identification information, the electronic money server comprising:
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a payment debt creating means for creating a payment debt that has to be paid on a predetermined date in a state in which the payment debt is related to the unique identification information of the portable terminal; a payment debt presence or absence check accepting means for accepting an inquiry about a presence or absence of a payment debt from the portable terminal; an amount change information sending means for sending, to the portable terminal, amount change information by which the value stored in the portable terminal is increased or decreased; and a payment debt clearing means for clearing the payment debt, after an inquiry about the presence or absence of a payment debt is accepted and a presence of a payment debt is confirmed by the payment debt presence or absence check accepting means, when the amount change information sending means sends amount change information by which the value is decreased by a payment debt amount and the value stored in the portable terminal is decreased by the amount change information, wherein when a value balance becomes a shortfall if the amount change information sending means sends amount change information by which an amount corresponding to a payment debt is decreased, the amount change information sending means sends in advance amount change information by which an amount more than an amount corresponding to the shortfall is increased. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. An electronic money processing method in an electronic money server that can connect to a portable terminal having a function of storing value of electronic money expressing an amount of money value as electronic data, the portable terminal having unique identification information, the method comprising:
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a payment debt creating step of creating a payment debt that has to be paid on a predetermined date in a state in which the payment debt is related to the unique identification information of the portable terminal; a payment debt presence or absence check accepting step of accepting, from the portable terminal, an inquiry about a presence or absence of a payment debt ; an amount change information sending step of sending, to the portable terminal, amount change information by which the value stored in the portable terminal is increased or decreased; and a payment debt clearing step of clearing the payment debt ,after an inquiry about the presence or absence of a payment debt is accepted and a presence of a payment debt is confirmed by the payment debt presence or absence check accepting step, when amount change information by which the value is decreased by a payment debt amount is sent by the amount change information sending step and the value stored in the portable terminal is decreased by the amount change information, wherein when a value balance becomes a shortfall if the amount change information sending step sends amount change information by which an amount corresponding to a payment debt is decreased, the amount change information sending step sends in advance amount change information by which an amount more than an amount corresponding to the shortfall is increased.
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30. A non-transitory computer-readable recording medium on which an electronic money processing program product is recorded, in an electronic money server that can connect to a portable terminal having a function of storing value of electronic money expressing an amount of money value as electronic data, the portable terminal having unique identification information, the program product that makes a computer implement:
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a payment debt creating function of creating a payment debt that has to be paid on a predetermined date in a state in which the payment debt is related to the unique identification information of the portable terminal; a payment debt presence or absence check accepting function of accepting, from the portable terminal, an inquiry about a presence or absence of a payment debt; an amount change information sending function of sending, to the portable terminal, amount change information by which the value stored in the portable terminal is increased or decreased; and a payment debt clearing function of clearing the payment debt ,after an inquiry about the presence or absence of a payment debt is accepted and a presence of a payment debt is confirmed by the payment debt presence or absence check accepting function, when amount change information by which the value is decreased by a payment debt amount is sent by the amount change information sending function and the value stored in the portable terminal is decreased by the amount change information, wherein when a value balance becomes a shortfall if the amount change information sending function sends amount change information by which an amount corresponding to a payment debt is decreased, the amount change information sending function sends in advance amount change information by which an amount more than an amount corresponding to the shortfall is increased.
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Specification