Electronic cashing card settlement system
First Claim
1. A system for transaction settlement with an electronic cashing card having a non-authentication money processing memory and an authentication money processing memory, said system comprising:
- means for updating an authentication money balance stored in a money balance area of the authentication money processing memory on the card and for updating a non-authentication money balance stored in a money balance area of the non-authentication money processing memory on the card, said means updating the authentication money balance to a money balance amount after settlement when a transaction is settled by an authentication process having a requirement for a personal authentication to be matched, said means updating the non-authentication money balance to an amount less than or equal to the stored authentication money balance when the transaction is settled by the authentication process; and
means for comparing the non-authentication money and the authentication money balances on the card and determining that an illegal process has been performed with the card when the non-authentication money balance is larger than the authentication money balance.
1 Assignment
0 Petitions
Accused Products
Abstract
A settlement system is provided for an electronic cashing card such as an IC card, a prepaid card, or the like. A card comprises a memory storing process data to execute a settlement under a condition of matching a personal authentication. Also, a memory stores process data to execute a settlement without matching a personal authentication. When settlement is executed with authentication processing, an authentication balance stored memory is updated to the amount of the balance after the settlement. A non-authentication balance stored in memory is updated to an amount of money equal to or smaller than the authentication balance. When executing a settlement, the non-authentication balance is compared with the authentication balance. It is determined that an illegal process has been executed with the card when the non-authentication balance is larger than the authentication balance.
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Citations
24 Claims
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1. A system for transaction settlement with an electronic cashing card having a non-authentication money processing memory and an authentication money processing memory, said system comprising:
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means for updating an authentication money balance stored in a money balance area of the authentication money processing memory on the card and for updating a non-authentication money balance stored in a money balance area of the non-authentication money processing memory on the card, said means updating the authentication money balance to a money balance amount after settlement when a transaction is settled by an authentication process having a requirement for a personal authentication to be matched, said means updating the non-authentication money balance to an amount less than or equal to the stored authentication money balance when the transaction is settled by the authentication process; and means for comparing the non-authentication money and the authentication money balances on the card and determining that an illegal process has been performed with the card when the non-authentication money balance is larger than the authentication money balance. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of transaction settlement with an electronic cashing card having a non-authentication money processing memory and an authentication money processing memory, the method comprising:
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updating an authentication money balance stored in the authentication money processing memory on the card and a non-authentication money balance stored in the non-authentication money processing memory on the card, the authentication money balance being updated to a balance amount after settlement when a transaction is settled by an authentication process having a requirement for a personal authentication to be matched, the non-authentication money balance being updated to an amount less than or equal to the stored authentication money balance when the transaction is settled by the authentication process; and determining that an illegal process has been performed with the card when a comparison of the non-authentication money and the authentication money balances on the card indicates that the non-authentication money balance is larger than the authentication money balance. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A computer readable medium encoded with a program for settlement of transactions with an electronic cashing card having a non-authentication money processing memory and an authentication money processing memory, said program controlling the electronic cashing card to perform operations comprising:
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updating an authentication money balance stored in the authentication money processing memory and a non-authentication money balance stored in the non-authentication money processing memory, the authentication money balance being updated to a money balance amount after settlement when a transaction is settled by an authentication process having a requirement for a personal authentication to be matched, the non-authentication money balance being updated to an amount less than or equal to the stored authentication money balance when the transaction is settled by the authentication process; and determining that an illegal process has been performed with the card when a comparison of the non-authentication money and the authentication money balances on the card indicates that the non-authentication money balance is larger than the authentication money balance. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A method, comprising:
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updating a non-authentication money balance that is stored on a card to an amount less than or equal to an authentication money balance that is stored on the card, after an authenticated transaction settlement with the card; and determining that an illegal process has been performed with the card when the non-authentication money balance is larger than the authentication money balance.
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Specification