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Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon

  • US 6,611,819 B1
  • Filed: 11/05/1998
  • Issued: 08/26/2003
  • Est. Priority Date: 06/05/1998
  • Status: Expired due to Term
First Claim
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1. An electronic money apparatus, comprising:

  • a carriable card having an integrated circuit with a processor and a memory, the memory storing therein a general electronic money balance available for any genre purchase, a specific electronic money balance available for specific genre purchases, and available genre information defining the types of purchases for which the specific electronic money balance may be used, the available genre information stored in said card containing a use limit flag defining the presence or absence of a use limit, and specific genre information containing at least one of an available store, an available counter, an available commodity genre and an available commodity;

    a transfer processing unit in which a transferor carriable card and a transferee carriable card are placed, the transfer processing unit receiving an amount of money to transfer and a genre code specifying a use restriction of the money to be transferred, acquiring a card number and a password of the transferor card and the transferee card, respectively, setting the use limit flag of the transferee card, registering the genre code in the transferee card, withdrawing the specified amount of money to be transferred from the general electronic money balance of the transferor card and adding the same to the specific electronic money balance of the transferee card, and registering the card number and the password of the transferor card in the transferee card, the transfer processing unit comprising one of a handheld computing device and a personal computer; and

    a settlement processing unit comparing genre information acquired from a purchased commodity or a provided service with the available genre information of the transferee carriable card, said settlement processing unit, when a coincidence occurs, deducting the purchased amount of money from the specific electronic money balance of the transferee carriable card, said settlement processing unit, when a non-coincidence occurs, prohibiting the deduction from the specific electronic money balance.

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