INFORMATION PROCESSING SERVER, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM PRODUCT, AND RECORDING MEDIUM ON WHICH INFORMATION PROCESSING PROGRAM PRODUCT IS RECORDED

• US 20150019419A1
• Filed: 03/01/2013
• Published: 01/15/2015
• Est. Priority Date: 03/02/2012
• Status: Active Grant

• Current Assignee: Rakuten Group, Inc.
• Original Assignee: Rakuten, Inc. (Rakuten Group, Inc.)
• Inventors: Suzukake, Wataru
• Granted Patent: US 10,733,580 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/0652 e-cash with decreasing value according to a parameter, e.g. time
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3676 Balancing accounts

Abstract

The purpose of the present invention is to enhance user convenience by combining stored value type and server management type payment systems. A portable terminal 5 stores a terminal-side value balance in the portable terminal, and an electronic money server 2 stores a server-side value balance related to the terminal-side value balance. At the time of payment, the portable terminal 5 connects to the electronic money server 2 via a payment terminal 6 or the Internet 3. Then, if payment can be made by using the server-side value balance, the electronic money server 2 makes payment by using the server-side value balance; if the server-side value balance is not enough and there is a shortfall, the electronic money server 2 adds an amount corresponding to the shortfall by subtracting the amount from the terminal-side value balance.

Claims

1-13. -13. (canceled)

14. An information processing server that connects to a money terminal storing first electronic value and having a function of increasing or decreasing a balance of the first electronic value by using predetermined amount change information and performs processing to make payment of a designated payment amount, the server comprising:

an identification data acquiring unit that acquires identification data from the money terminal; and

a shortfall amount reducing unit that generates amount change information for reducing the balance of the first electronic value by at least an amount corresponding to a shortfall and transmitting the amount change information to the money terminal if a determination that the shortfall occurs when a payment unit makes payment of the designated payment amount by using a payable amount of second electronic value stored in a storing unit on a server side in a state in which the second electronic value is related to the acquired identification data is made.

15. The information processing server according to claim 14, wherein

the payment unit subtracts an amount that is smaller than the designated amount by at least the amount corresponding to the shortfall from the payable amount of the second electronic value.

16. The information processing server according to claim 14, wherein

the payment unit increases the payable amount of the second electronic value by at least the amount corresponding to the shortfall and subtracts the amount corresponding to the shortfall from the increased payable amount.

17. The information processing server according to claim 14, wherein

the payment unit includes

a first payment unit that subtracts the designated payment amount from the payable amount of the second electronic value if a determination that the balance of the first electronic value is larger than or equal to the amount corresponding to the shortfall is made, and

a second payment unit that increases the payable amount of the second electronic value by at least the amount corresponding to the shortfall.

18. The information processing server according to claim 14, wherein

the payable amount of the second electronic value is an amount obtained by subtracting a threshold value amount set for the second electronic value from a balance of the second electronic value.

19. The information processing server according to claim 18, wherein

the threshold value amount varies depending on a previously set condition.

20. The information processing server according to claim 19, further comprising:

a threshold value updating unit that updates the threshold value amount such that the threshold value amount becomes an amount that is larger than or equal to an automatic deduction amount of a nearest future that is previously set for the balance of the second electronic value if the automatic deduction amount of the nearest future varies.

21. The information processing server according to claim 19, further comprising:

a threshold value updating unit that updates the threshold value amount such that the threshold value amount becomes a same amount as the balance of the second electronic value every time the balance of the second electronic value is updated.

22. The information processing server according to claim 18, wherein

when a second threshold value amount is set for the first electronic value and a balance obtained by subtracting the amount corresponding to the shortfall from the balance of the first electronic value becomes less than the second threshold value amount,

the shortfall amount reducing unit reduces the balance of the first electronic value in such a way that a balance of the first electronic value after subtraction does not fall below the second threshold value amount, and

the payment unit subtracts a difference between the amount subtracted from the first electronic value and the amount corresponding to the shortfall from the payable amount of the second electronic value.

23. The information processing server according to claim 18, wherein

when a second threshold value amount is set for the first electronic value and the balance of the first electronic value is less than the second threshold value amount,

the payment unit subtracts at least an amount corresponding to a shortfall from the balance of the second electronic value and adds the amount subtracted from the balance of the second electronic value to the balance of the first electronic value.

24. An information processing method performed by a computer, the information processing method that establishes connection to a money terminal storing first electronic value and having a function of increasing or decreasing a balance of the first electronic value by using predetermined amount change information and performs processing to make payment of a designated payment amount, the method comprising:

an identification data acquiring step of acquiring identification data from the money terminal; and

a shortfall amount reducing step of generating amount change information for reducing the balance of the first electronic value by at least an amount corresponding to a shortfall and transmitting the amount change information to the money terminal if a determination that the shortfall occurs when a payment unit makes payment of the designated payment amount by using second electronic value stored in a storing unit on a server side in a state in which the second electronic value is related to the acquired identification data is made.

25. A non-transitory recording medium on which an information processing program product is recorded, the information processing program product making a computer that connects to a money terminal storing first electronic value and having a function of increasing or decreasing a balance of the first electronic value by using predetermined amount change information and performs processing to make payment of a designated payment amount implement:

an identification data acquiring function of acquiring identification data from the money terminal; and

a shortfall amount reducing function of generating amount change information for reducing the balance of the first electronic value by at least an amount corresponding to a shortfall and transmitting the amount change information to the money terminal if a determination that the shortfall occurs when a payment unit makes payment of the designated payment amount by using a payable amount of second electronic value stored in a storing unit on a server side in a state in which the second electronic value is related to the acquired identification data is made.