Electronic cashless system
First Claim
Patent Images
1. A cashless electronic monetary transaction method, comprising:
- transferring to an electronic medium through a transfer terminal monetary information from a financial institution representing an amount of money available to a holder of the medium and requested by the holder;
transferring an amount of money responsive to the amount transferred to the medium to a non-settled account of the financial institution;
performing a monetary transaction with the holder using the medium through a point of sale terminal of a seller and changing the monetary information on the medium responsive to the monetary transaction without identifying the holder; and
posting the change to the monetary information to a sales tallying file in the point of sale terminal and to the non-settled account of the financial institution responsive to the changing.
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Abstract
An electronic cashless system uses a cashless medium for memorizing amount information and for performing an operation of amount information. The electronic cashless system comprises an automatic transaction terminal device having a reading/writing unit for writing amount information to the cashless medium, and a center device having a unit for identifying the account balance of multiple accounts and for storing amount information and a non-settled fund file unit for storing amount information written by the cashless medium and a seller ledger file means for identifying the account balance of the multiple seller'"'"'s accounts and for storing amount information.
74 Citations
6 Claims
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1. A cashless electronic monetary transaction method, comprising:
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transferring to an electronic medium through a transfer terminal monetary information from a financial institution representing an amount of money available to a holder of the medium and requested by the holder;
transferring an amount of money responsive to the amount transferred to the medium to a non-settled account of the financial institution;
performing a monetary transaction with the holder using the medium through a point of sale terminal of a seller and changing the monetary information on the medium responsive to the monetary transaction without identifying the holder; and
posting the change to the monetary information to a sales tallying file in the point of sale terminal and to the non-settled account of the financial institution responsive to the changing. - View Dependent Claims (2, 3)
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4. A cashless electronic monetary transaction method, comprising:
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transferring to an electronic medium through a transfer terminal monetary information from a first financial institution representing an amount of money available to a holder of the medium and requested by the holder;
transferring an amount of money responsive to the amount transferred to the medium to a non-settled account of the first financial institution;
performing a monetary transaction with the holder through a point of sale terminal of a seller;
changing the monetary information on the medium responsive to the monetary transaction without identifying the holder;
posting the change to the monetary information to a sales tallying file in the point of sale terminal identifying financial institutions and storing monetary information corresponding to each financial institution; and
settling an account of the seller by transferring to the account of the seller from the non-settled account of the first financial institution an amount of money responsive to the monetary information stored in the sales tallying file corresponding to the first financial institution. - View Dependent Claims (5, 6)
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Specification