Electronic transaction system
First Claim
1. An electronic transaction system comprising:
- a first IC card of a customer for storing information specifying a type of electronic money and electronic money issued by a money issuer;
a terminal capable of having the first IC card inserted into it; and
a plurality of second IC cards of the terminal for storing electronic money provided at the terminal, each of the plurality of second IC cards storing a different type of electronic money issued by different money issuers or by the same money issuer, wherein the terminal reads out information specifying a type of electronic money stored in the first IC card when the first IC card is inserted into the terminal and selects one of the plurality of second IC cards storing the type of electronic money specified by the information read from the first IC card, and the type of electronic money specified by the information is transferred between the first IC card and the one of the plurality of second IC cards selected by the terminal.
1 Assignment
0 Petitions
Accused Products
Abstract
A plurality of types of settlement conditions exist for transactions with electronic money. An electronic transaction system capable of being applied to a plurality of types of settlement conditions using a single automatic teller machine is provided. In order to achieve this, this system has the following configuration. Namely, in this electronic transaction system for carrying out transaction settlements using electronic money stored on a customer card while using an automatic teller machine, customer identification information and an electronic money amount are stored as balance information for each customer account established at a financial institution, with the customer card being such that stored information can be updated based on pre-decided transaction conditions. The automatic teller machine then houses customer cards corresponding to a plurality of transaction conditions and a plurality of ATM cards, and a plurality of control software is prepared. Control software coinciding with the transaction conditions is then activated, and transactions are carried out with the ATM cards stored in the automatic teller machine.
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Citations
17 Claims
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1. An electronic transaction system comprising:
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a first IC card of a customer for storing information specifying a type of electronic money and electronic money issued by a money issuer;
a terminal capable of having the first IC card inserted into it; and
a plurality of second IC cards of the terminal for storing electronic money provided at the terminal, each of the plurality of second IC cards storing a different type of electronic money issued by different money issuers or by the same money issuer, wherein the terminal reads out information specifying a type of electronic money stored in the first IC card when the first IC card is inserted into the terminal and selects one of the plurality of second IC cards storing the type of electronic money specified by the information read from the first IC card, and the type of electronic money specified by the information is transferred between the first IC card and the one of the plurality of second IC cards selected by the terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
memory in which is stored at least two different types of control software corresponding to at least two different types of settlement conditions of electronic money that may be stored on said first IC card, wherein the terminal uses the type of control software corresponding to the type of settlement condition of electronic money shown by the information specifying the type of electronic money.
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10. The electronic transaction system according to claim 1, the terminal including:
a controller, said controller selecting one of the second IC cards storing the type of electronic money specified by the information read from the first IC cards.
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11. The electronic transaction system according to claim 1, wherein at least one of said plurality of second IC cards stores different types of electronic money.
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12. A method of performing electronic transactions using an electronic transaction system that includes a user IC card, a terminal, and a plurality of system IC cards, the user IC card storing information specifying a type of electronic money and storing electronic money issued by a money issuer, wherein the terminal is arranged so as to permit insertion of a user IC card into it, and wherein each of the plurality of system IC cards stores a different type of electronic money issued by the same money issuer or by different money issuers, the method comprising the steps of:
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receiving a user IC card in said terminal;
reading out information from the user IC card, said information specifying a type of electronic money stored in the first IC card;
selecting one of said plurality of system IC cards storing the type of electronic money specified by the information read from the user IC card; and
transferring electronic money between the user IC card and the selected system IC card. - View Dependent Claims (13, 14, 15, 16, 17)
if information specifying a type of electronic money can not be read from the inserted user IC card, sending, in a preset order, prescribed signals from each of the plurality of system IC cards to the user IC card; and
when, in response to the prescribed signals from one of the plurality of system IC cards, the user IC card returns an appropriate response to the terminal, causing at least one transaction to be performed between the user IC card and that one of the plurality of system IC cards.
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14. The method according to claim 12, wherein at least one of said system IC cards stores at least two different types of electronic money.
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15. The method according to claim 12, wherein the information specifying the type of electronic money includes information showing a settlement condition of electronic money.
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16. The method according to claim 12, further comprising the step of:
- establishing a connection through a settlement network to a financial institution or other card issuer for confirmation purposes.
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17. The method according to claim 12, further comprising the step of:
selecting control software corresponding to the information read from the user IC card.
Specification