Electronic money card, electronic money receiving/paying machine, and electronic money card editing device

• US 6,370,517 B2
• Filed: 05/05/1998
• Issued: 04/09/2002
• Est. Priority Date: 05/13/1997
• Status: Expired due to Fees

• Current Assignee: Hitachi-Omron Terminal Solutions Corporation (Hitachi, Ltd.)
• Original Assignee: Hitachi, Ltd.
• Inventors: Hayami, Chie, Yanagihara, Yasushi
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Elisca, Pierre E.
• Application Number:
  US09/072,455
• Publication Number:
  US 20010011249A1
• Time in Patent Office: 1,435 Days
• Field of Search: 705/40, 705/41, 705/42, 705/43, 705/44, 235/379, 235/380
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

An electronic money card includes a memory built in an IC chip of an IC card and reads and writes electronic money to and from the memory. The electronic money card allows conditions restricting an electronic money reading process to be written in a storage area excluding an electronic money storage area set for each user or usage of the electronic money.

Claims

1. An electronic money transaction apparatus for performing an electronic money transaction with an electronic money card for storing electronic money therein, comprising:

a CPU, an input section, and a display section, wherein

the CPU causes the display section to display a message prompting a user to enter a usage of the electronic money card on the display section upon request for a transaction using the electronic money, and performs an electronic money transaction with the electronic money card based on the usage entered from the input section, and

the CPU adds an amount of transacted electronic money to be withdrawn to an aggregate amount of the electronic money in the electronic money card as the aggregate amount, every time an electronic money transaction is performed with the electronic money card.

2. An electronic money transaction apparatus according to claim 1, wherein

the CPU displays a message prompting a user to enter a password set in accordance with a usage on the display section and permits a transaction with the electronic money card when the password entered from the input section coincides with a password set in the electronic money card.

3. An electronic money transaction apparatus according to claim 1, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than an electronic money balance in the electronic money card.

4. An electronic money transaction apparatus according to claim 1, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than a usable limit set in the electronic money card.

5. An electronic money transaction apparatus according to claim 1, wherein

the CPU stops a transaction with the electronic money card when a sum of an amount of electronic money for payment to be entered from the input section and the aggregate amount in the electronic money card is greater than an electronic money balance in the electronic money card.

6. An electronic money transaction apparatus according to claim 1, wherein

the CPU stops a transaction with the electronic money card when a sum of an amount of electronic money for payment to be entered from the input section and the aggregate amount in the electronic money card is greater than a usable limit set in the electronic money card.

7. An electronic money transaction apparatus according to claim 1, wherein the CPU sums an amount of electronic money transacted in the electronic money card as an aggregate amount individually for each of plural users authorized to use the electronic money card, and wherein usage approval for the electronic money transaction is user-dependent, based upon the aggregate amount and an amount authorized for each user.

8. An electronic money transaction apparatus, comprising:

an electronic money card;

an input section into which the electronic money card for storing electronic money is inserted; and

a CPU for causing a display to display a message prompting a user to enter a usage of the electronic money card upon request for a transaction using the electronic money, performing an electronic money transaction with the electronic money card based on the usage entered from the input section, and for summing an amount of electronic money transacted in the electronic money card as an aggregate amount every time an electronic money transaction is performed with the electronic money card;

wherein said electronic money card includes;

a storage section for storing data of the electronic money, a plurality of pieces of identification data for identifying usage to be specified when the electronic money card is used, and usable limit data for limiting an amount of electronic money to be used in correspondence with each piece of identification data; and

a control section for comparing a piece of identification data received from outside the electronic money card with each of the pieces of identification data stored in the storage section upon request for payment, and for permitting the payment in electronic money from the electronic money card within the usable limit of the electronic money limited by the piece of identification data when the compared pieces of identification data coincide with each other.

9. An electronic money transaction apparatus according to claim 8, wherein

the storage section stores a password set to correspond to a piece of identification data, and

the control section permits payment in electronic money when a password received from outside the electronic money card coincides with the password stored in the storage section.

10. An electronic money transaction apparatus according to claim 8, wherein

the storage section stores an aggregate amount obtained by the control section adding up a total amount of electronic money paid every time the electronic money is paid.

11. An electronic money transaction apparatus according to claim 8, wherein

the storage section stores a transaction record in which transaction data are recorded when the control section performs an electronic money transaction.

12. An electronic money transaction apparatus according to claim 8, wherein

the control section updates the piece of identification data when instructed to update the piece of identification data stored in the storage section.

13. An electronic money transaction apparatus according to claim 12, wherein

the storage section stores a master password for giving permission to alter data stored in the storage section, and

the control section updates the piece of identification data when a password to be entered coincides with the master password.

14. An electronic money transaction apparatus for performing an electronic money transaction with an electronic money card for storing data of the electronic money, a plurality of pieces of identification data for identifying usage to be specified when the electronic money card is used, and usable limit data for limiting an amount of electronic money to be used in correspondence with each piece of identification data, comprising:

a CPU, an input section, and a display section, wherein said display section displays said usage for entering the usage of an electronic money stored in said electronic money card;

said input section decides whether or not an entry of the usage on said display section is present, the input section indicating an entry of a regular usage password to be regularly used for said electronic money card on said display section when the entry of said usage is not present, and indicating the entry of a password provided for each of said usages on said display section when the entry of said usage is present;

said display section displays an input guidance for one of the regular usage password and the password provided for each of said usages in response to the indication from said input section;

said CPU;

decides a validity for the password provided for each of said usages among said plurality of pieces of identification data stored in said electronic money card in response to the entry of the password provided for each of said usages entered from said input section;

decides a condition of a limited amount corresponding to said usage entered from said input section by the limited amount provided for each of said usages corresponding to said plurality of pieces of identification data stored in said electronic money card when the password is correct; and

acquires a withdrawing amount of the electronic money for said corresponding usage stored in said electronic money card when the condition of the limited amount is present in a range of the limited amount provided for each of said usages.

15. An electronic money transaction apparatus according to claim 14, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than an electronic money balance in the electronic money card.

16. An electronic money transaction apparatus according to claim 14, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than a usable limit set in the electronic money card.

17. An electronic money transaction apparatus according to claim 14, wherein

the CPU adds an amount of transacted electronic money to a stored aggregate amount of electronic money previously transacted for a predetermined one of the usages.

18. An electronic money transaction apparatus according to claim 17, wherein

the CPU stops a transaction with the electronic money card when a sum of the amount of electronic money for payment to be entered from the input section for the predetermined usage and the stored aggregate amount of electronic money previously transacted for the predetermined usage is greater than an electronic money balance in the electronic money card.

19. An electronic money transaction apparatus according to claim 17, wherein

the CPU stops a transaction with the electronic money card when a sum of the amount of electronic money for payment to be entered from the input section for the predetermined usage and the stored aggregate amount of electronic money previously transacted for the predetermined usage is greater than a usable limit set in the electronic money card for the predetermined usage.

20. An electronic money transaction apparatus for performing an electronic money transaction with an electronic money card for storing electronic money therein, comprising:

a CPU, an input section, and a display section, wherein

the CPU causes the display section to display a message prompting a user to enter, via the input section, one of a plurality of prestored usages of the electronic money card on the display section upon request for a transaction using the electronic money, and performs an electronic money transaction with the electronic money card based on the usage entered by the user, and

the CPU adds an amount of the transacted electronic money to a stored aggregate amount of electronic money previously transacted for the usage entered by the user.

21. An electronic money transaction apparatus according to claim 20, wherein

the CPU displays a message prompting a user to enter, via the input section, a password set in accordance with the usage entered by the user, and permits a transaction with the electronic money card when the password entered by the user coincides with a password set in the electronic money card for the usage entered by the user.

22. An electronic money transaction apparatus according to claim 20, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than an electronic money balance in the electronic money card.

23. An electronic money transaction apparatus according to claim 20, wherein

the CPU stops a transaction with the electronic money card when an amount of electronic money for payment to be entered from the input section is greater than a usable limit set in the electronic money card for the usage entered by the user.

24. An electronic money transaction apparatus according to claim 20, wherein

the CPU stops a transaction with the electronic money card when a sum of the amount of the transacted electronic money and the stored aggregate amount of electronic money previously transacted for the usage entered by the user is greater than an electronic money balance in the electronic money card.

25. An electronic money transaction apparatus according to claim 20, wherein

the CPU stops a transaction with the electronic money card when a sum of the amount of the transacted electronic money and the stored aggregate amount of electronic money previously transacted for the usage entered by the user is greater than a usable limit set in the electronic money card for the usage entered by the user.

26. An electronic money transaction apparatus according to claim 20, wherein the CPU sums an amount of electronic money transacted in the electronic money card as an aggregate amount individually for each of plural users authorized to use the electronic money card, and wherein usage approval for the electronic money transaction is user-dependent, based upon the aggregate amount and an amount authorized for each user.