JP2002042023A - Digital money operating method, digital money operating system and storage medium with digital money operating program recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make acquirable and payable digital money of a required amount for payment in the range of the deposit balance regardless of date and place, and to reduce the risk of fraudulent use even when there is a loss and a theft. SOLUTION: In this disclosed digital money operating method, a cellular phone 1 accesses a financial institution terminal 4 via a network 3, and receives the digital money in the range of the deposit balance of a user of the cellular phone 1, and stores the digital money in an IC card 2, and gets access to a store terminal 6 via the network 3 by receiving reduction in the deposit balance of the user on an amount corresponding to the digital money, and transmits the whole or a part of the digital money as a price of a commodity purchased by the user. The store terminal 6 accesses the financial institution terminal 4 via the network 3, and receives an increase in the deposit balance of a store or a storekeeper of the store on the amount corresponding to the digital money received as the price of the commodity.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money operation method, an electronic money operation system, and a storage medium for storing an electronic money operation program. The present invention relates to an electronic money operation method, an electronic money operation system, and a storage medium storing an electronic money operation program for operating electronic money composed of data from which a service can be purchased.

[0002]

2. Description of the Related Art Conventionally, when a customer goes to a store directly or purchases a product or service using mail order or the like, a method of paying the price is before or after receiving the product or service. , A method using cash (for example, a customer directly handing over to the other party, a customer transferring to the other party's account by postal transfer or bank transfer, etc.), a method using a credit card, a method of debiting from the customer's bank account, and the like. .

[0003]

By the way, in the above-mentioned conventional method using cash, customers must always carry cash to some extent, and there is always a danger of theft or loss. Therefore, it is conceivable that a customer withdraws cash from an automatic teller machine (ATM) using a cash card immediately before purchasing a product or service, but the ATM always wants to purchase the product or service. It is not necessarily installed near a store that does business, and even if it is installed, cash cannot be withdrawn during non-business hours such as holidays and nights. In this regard, in the case of the above-described method using a conventional credit card or in the above-described method of withdrawing from the customer's bank account, the customer does not need to carry cash, but the deposit balance in his account of the bank is not required. I had to buy goods and services without knowing it, so I couldn't buy goods and services with confidence. Further, if the credit card is lost or stolen, the credit card is forged, and there is a possibility that the credit card company will charge a large amount of money that the user cannot remember.

[0004] The present invention has been made in view of the above-mentioned circumstances, and it is not necessary to carry cash and obtain electronic money of an amount necessary for purchasing goods and services regardless of date and time within a range of a deposit balance. To provide an electronic money operation method, an electronic money operation system, and a storage medium storing an electronic money operation program, which can be used for payment and have a low risk of unauthorized use even in the event of loss or theft. The purpose is.

[0005]

According to a first aspect of the present invention, there is provided an electronic money operating method according to the first aspect of the present invention.
At least one mobile device and at least one financial institution
The financial institution terminal installed in the unit and the at least one store terminal installed in the store are connected via a network,
The mobile terminal accesses the financial institution terminal via the network, is given a value equivalent to cash, and transmits electronic money including data that can purchase goods and services instead of cash to the mobile terminal. An electronic money filling process for receiving within the range of the user's deposit balance and receiving a decrease in the user's deposit balance for the amount corresponding to the electronic money, and accessing the store terminal via the network, Executes electronic money payment processing for transmitting all or a part of the electronic money as a price for goods and services purchased by the user, and the store terminal accesses the financial institution terminal via the network to sell the electronic money. For the amount of money corresponding to the electronic money received as payment for the goods and services received It is characterized in that to perform the electronic money settlement processing to receive an increase of.

According to a second aspect of the present invention, there is provided the electronic money operating method according to the first aspect, wherein the portable terminal has a size and a shape similar to a credit card, and is equipped with an IC card having a storage unit. In the electronic money filling process, the received electronic money is stored in the storage unit, and in the electronic money payment process, the electronic money is transmitted from the electronic money stored in the storage unit to the store terminal. It is characterized in that all or part of the electronic money is subtracted.

According to a third aspect of the present invention, there is provided an electronic money operating method, comprising at least one IC card having a size and a shape of a credit card, and having an IC card including a control unit and a storage unit. Mobile terminal, at least one financial institution terminal installed in a financial institution, and at least one store terminal installed in a store are connected via a network, and the control unit controls the financial institution via the network. Accessing the institution terminal, receiving electronic money consisting of data that can be purchased for goods and services instead of cash, given the same value as cash, within the range of the user's deposit balance of the mobile terminal An electronic money filling process for storing in the storage unit and receiving a decrease in the user's deposit balance for an amount corresponding to the electronic money; Access to the store terminal via a network, and transmit all or a part of the electronic money stored in the storage unit as a price for goods and services purchased by the user, and store the electronic money in the storage unit. Electronic money payment processing of subtracting all or a part of the electronic money transmitted to the store terminal from the electronic money that has been performed, the store terminal accesses the financial institution terminal via the network, An electronic money settlement process is performed for receiving an increase in the deposit balance of the store or the store owner of the store for the amount corresponding to the electronic money received as the price of the sold product or service.

According to a fourth aspect of the present invention, there is provided the electronic money operating method according to the third aspect, wherein the shop terminal is configured to be capable of mounting the IC card, and the control unit is configured to determine whether the IC card has the IC card. In the state attached to the store terminal,
The electronic money payment processing is performed.

According to a fifth aspect of the present invention, there is provided the electronic money operating method according to any one of the first to third aspects.
The mobile terminal or the control unit accesses the store terminal via a cable or wirelessly, and executes the electronic money payment processing.

[0010] The invention according to claim 6 relates to the electronic money operating method according to any one of claims 1 to 5,
The mobile terminal or the control unit executes the electronic money filling process after the user is confirmed to be a valid deposit account holder who has contracted with the financial institution, and the user is required to store the electronic money. After the electronic money payment process is executed after it is confirmed that the owner is a legitimate owner, after the store terminal is confirmed that the store or the store owner is a legitimate deposit account holder contracted with the financial institution The electronic money settlement process is performed.

The invention according to claim 7 relates to the electronic money operating method according to any one of claims 1 to 6,
The mobile terminal or the control unit may simultaneously access the financial institution terminal and the store terminal via the network, and simultaneously execute the electronic money filling process and the electronic money payment process.

[0012] The invention according to claim 8 relates to the electronic money operating method according to any one of claims 1 to 3, 6 and 7, wherein the portable terminal or the control unit is connected via the network. Access the store terminal or server above,
The electronic money payment processing is performed for a price of a product or service that is determined to be purchased by a user based on information on a product or service available for purchase provided from the store terminal or the server.

According to a ninth aspect of the present invention, there is provided the electronic money operating method according to any one of the first to eighth aspects.
The store terminal executes the electronic money settlement processing every day, every week, every ten days, or every month.

The invention according to claim 10 is the first invention.
According to the electronic money management method described in any one of Items 1 to 9, the financial institution terminal grasps and manages the outstanding balance of all electronic money issued by the financial institution and distributed in the market. It is characterized by executing electronic money management processing for grasping and managing the amount of electronic money issued to the user.

The invention according to claim 11 is the first invention.
0, the electronic money management process is performed by an electronic money management terminal provided in the financial institution separately from the financial institution terminal.

According to a twelfth aspect of the present invention, at least one portable terminal, at least one financial institution terminal installed in a financial institution, and at least one store terminal installed in a store are connected via a network. The mobile terminal accesses the financial institution terminal via the network, is given a value equivalent to cash, and purchases goods and services instead of cash in relation to the electronic money operation system configured and connected to Electronic money comprising data that can be received within the range of the user's deposit balance of the portable terminal, and an electronic money filling process of receiving a decrease in the user's deposit balance for an amount corresponding to the electronic money. Accessing the store terminal via the network, and paying for the electronic money as a price for the goods and services purchased by the user. Executing the electronic money payment process of transmitting all or part of the electronic money, the store terminal accesses the financial institution terminal via the network, and receives an amount corresponding to the electronic money received as a price for the sold product or service. Is characterized by executing an electronic money settlement process for receiving an increase in the deposit balance of the store or the store owner of the store.

The invention according to claim 13 is the first invention.
2. In the electronic money operation system according to item 2, the portable terminal has a size and a shape of a credit card, and is configured to be capable of mounting an IC card including a storage unit. The electronic money is stored in the storage unit, and in the electronic money payment processing, all or a part of the electronic money transmitted to the store terminal is subtracted from the electronic money stored in the storage unit. .

According to a fourteenth aspect of the present invention, there is provided at least one portable terminal having a size and a shape similar to that of a credit card, wherein an IC card having a control unit and a storage unit is configured to be mountable. According to an electronic money operation system in which at least one financial institution terminal installed in an institution and at least one merchant terminal installed in a store are connected via a network, the control unit controls the network. Access to the above financial institution terminal via
Electronic money, which is provided with a value equivalent to cash and can be used for purchasing goods and services instead of cash, is received within the range of the user's balance of the portable terminal and stored in the storage unit. At the same time, electronic money filling processing for receiving a decrease in the user's deposit balance for the amount corresponding to the electronic money, and accessing the store terminal via the network to pay for the goods and services purchased by the user An electronic device that transmits all or a part of the electronic money stored in the storage unit and subtracts all or a part of the electronic money transmitted to the store terminal from the electronic money stored in the storage unit. Executing the money payment process, the store terminal accesses the financial institution terminal via the network, and sells the product or service. It is characterized in that to perform the electronic money settlement processing to receive an increase in deposit balances of the shop or the shop of the owner for the amount corresponding to the electronic money received as payment.

The invention according to claim 15 is the first invention.
4. In the electronic money operation system according to item 4, the store terminal is configured to be capable of mounting the IC card, and the control unit performs the electronic money payment process in a state where the IC card is mounted on the store terminal. It is characterized by performing.

[0020] Further, the invention according to claim 16 is based on claim 1.
In the electronic money operation system according to any one of Items 2 to 14, the mobile terminal or the control unit may access the store terminal via a cable or wirelessly to execute the electronic money payment processing. Features.

Further, the invention according to claim 17 is based on claim 1.
17. The electronic money operation system according to any one of 2 to 16, wherein the mobile terminal or the control unit is configured to execute the electronic money operation after the user is confirmed to be a valid deposit account holder who has contracted with the financial institution. Executing a money filling process, executing the electronic money payment process after the user is confirmed to be a valid owner of the electronic money,
The shop terminal executes the electronic money settlement process after it is confirmed that the shop or the shopkeeper is a valid deposit account holder who has contracted with the financial institution.

The invention according to claim 18 is the first invention.
According to the electronic money operation system of any one of Items 3 to 27, the storage unit stores a first partner for confirming that the user is a valid deposit account holder who has contracted with the financial institution. An authentication program and a second for confirming that the user is a valid owner of the electronic money.
The mobile terminal or the control unit confirms that the user is a valid deposit account holder who has contracted with the financial institution by executing the first partner authentication program. The electronic money charging process is executed after the electronic money payment process is executed, and the electronic money payment process is executed after the user is confirmed to be a valid owner of the electronic money by executing the second partner authentication program. It is characterized by performing.

The invention according to claim 19 is the invention according to claim 1.
According to the electronic money operation system of any one of 2 to 18, the mobile terminal or the control unit simultaneously accesses the financial institution terminal and the store terminal via the network, and performs the electronic money filling processing and The electronic money payment processing is performed simultaneously.

The invention according to claim 20 is the first invention.
In the electronic money operation system according to any one of 2, 13, 14, 17, 18, and 19, the mobile terminal or the control unit accesses the store terminal or server via the network, and The electronic money payment process is performed for a price of a product or service that is determined to be purchased by a user based on information on a product or service available for purchase provided from a terminal or the server.

Further, the invention described in claim 21 is based on claim 1
20. The electronic money operation system according to any one of 2 to 20, wherein the store terminal executes the electronic money settlement processing every day, every week, every ten days, or every month. I have.

Further, the invention according to claim 22 is based on claim 1
According to the electronic money management system described in any one of 2 to 20, the financial institution terminal is issued by the financial institution,
It is characterized by executing and managing the amount of electronic money issued to all users, and managing the amount of electronic money issued to each user, as well as the amount of electronic money issued in the market.

The invention according to claim 23 is the invention according to claim 2.
2. The electronic money management system according to item 2, wherein the electronic money management process is executed by an electronic money management terminal provided in the financial institution separately from the financial institution terminal.

[0028] A storage medium according to a twenty-fourth aspect of the present invention is characterized in that an electronic money operation program for causing a computer to realize the function according to any one of the first to twenty-third aspects is stored. I have.

[0029]

According to the structure of the present invention, there is no need to carry cash, so there is no danger of being stolen or lost. Further, since the deposit balance can be confirmed regardless of the date and time, it is possible to obtain electronic money of an amount necessary for purchasing goods and services within the range of the deposit balance and to use it for payment. Furthermore, even in the event of loss or theft, the risk of unauthorized use is low.

[0030]

Embodiments of the present invention will be described below with reference to the drawings. The description will be specifically made using an embodiment. FIG. 1 is a block diagram showing a configuration of an electronic money operation system according to one embodiment of the present invention.
The electronic money operation system of this example includes a mobile phone 1 and an I
C card 2, network 3, financial institution terminal 4,
It is roughly composed of an electronic money management terminal 5 and a store terminal 6.

The mobile phone 1 includes a radio unit such as an antenna and a high-frequency amplifier, a signal processing unit, a transmission / reception unit, a control unit including a CPU (central processing unit), and a storage unit including a ROM and a RAM. , A display unit such as a liquid crystal display,
An operation unit including numeric keys and function keys;
A slot in which the C card 2 is mounted;
And a communication unit that performs data communication with the user, and is carried by the user. The control unit that constitutes the mobile phone 1 performs normal processing as a telephone and a financial institution terminal via the network 3 based on a program stored in an internal storage unit or a storage unit that constitutes the IC card 2. 6
To receive electronic money consisting of data that is given a value equivalent to cash and can purchase goods and services instead of cash.
The processing of storing, reading, and rewriting the C card 2 is executed.

The IC card 2 has the size and shape of a credit card, and is a card-type device including a storage unit such as a ROM and a RAM and a communication unit for performing data communication with the mobile phone 1. The mobile phone 1 is installed in a predetermined slot provided in the mobile phone 1. The storage unit of the IC card 2 has a data area in which the electronic money and other data are stored, and the mobile phone 1 uses the data communication with the financial institution terminal 4 via the network 3 so that the owner of the mobile phone 1 Authentication processing program for executing a partner authentication processing for confirming that the user is a legitimate customer (deposit account holder) who has contracted with a financial institution that owns the financial institution terminal 4. An electronic money filling request processing program for executing electronic money filling request processing for requesting electronic money filling by data communication with the institution terminal 4, and the mobile phone 1 is provided with data communication with the store terminal 6 via the network 3. , The owner of the mobile phone 1,
That is, the other party authentication processing program for executing the other party authentication processing for confirming that the user is the rightful owner of the IC card 2, specifically, the rightful owner of the electronic money. And a program area in which an electronic money payment request processing program for executing an electronic money payment request processing for requesting payment by electronic money is provided by data communication with the store terminal 6 via the communication terminal 3.

The network 3 includes a mobile communication network 11, a gateway 12, and a fixed network 13.
The mobile communication network 11 is used for mobile communication performed between a communication device or a mobile phone mounted on a mobile body such as an automobile or a ship, or between these communication devices or a mobile phone and a fixed communication device. Used to convey information. The gateway 12 is connected to the mobile communication network 11 and the fixed network 1
3 is a device for interconnecting the two. Fixed network 1
Reference numeral 3 is used for information transmission performed between fixed communication devices.

The financial institution terminal 4 includes a control unit such as a CPU, ROM, RAM, FD (floppy (registered trademark) disk), HD (hard disk), and CD-ROM.
A storage unit including a FDD, an HDD, a CD-ROM driver or the like in which a ROM is mounted, a display unit including a CRT display or a liquid crystal display, an operation unit including a keyboard, a mouse, and the like;
And a computer having a communication unit for performing data communication with the store terminal 7 and a financial institution.
One or more units are installed. The control unit that constitutes the financial institution terminal 4 manages a deposit account of each deposit account holder based on a program stored in the storage unit,
It executes processing for issuing electronic money in response to a request from the deposit account holder.

The electronic money management terminal 5 includes a control unit such as a CPU, a ROM, a RAM, an FD, an HD, and a CD-R.
A storage unit including an FDD, an HDD, a CD-ROM driver or the like in which an OM is mounted, a display unit including a CRT display or a liquid crystal display, an operation unit including a keyboard and a mouse, and data communication with the financial institution terminal It is configured by a computer having a communication unit for performing the communication, is installed in a financial institution, and is connected to the financial institution terminal 4 via a cable. The control unit included in the electronic money management terminal 5 grasps the total amount (issued balance) of all electronic money issued by the financial institution and distributed in the market based on the program stored in the storage unit. And processing for issuing and managing the amount of electronic money issued to each deposit account holder and grasping and managing the amount of electronic money stored in the storage unit constituting the IC card 2 owned by each deposit account holder. .

The store terminal 6 includes a control unit including a CPU and the like, a storage unit including a ROM, a RAM, an FDD, an HDD, a CD-ROM driver to which an FD, an HD, and a CD-ROM are mounted, a CRT display, It is configured by a computer having a display unit such as a liquid crystal display, an operation unit such as a keyboard and a mouse, and a communication unit for performing data communication with the mobile phone 1 or the financial institution terminal 6 via the network 3. One or more units are installed in each store. The control unit configuring the store terminal 5 includes:
On the basis of the program stored in the storage unit, processing for managing data relating to sales of commodities in the installed store (a function of a normal register), processing for payment by electronic money, and the like are executed.

Next, the operation of the electronic money operation system having the above configuration will be described. As a premise, the user who is the owner of the mobile phone 1 and the owner of the store where the store terminal 6 is installed are the financial institution terminal 4 and the electronic money management terminal 5.
It is assumed that a deposit account has been opened with the same financial institution where is established, and that a contract has been concluded that allows electronic payment and electronic payment of products.

First, the mobile phone 1 owned by the user accesses the financial institution terminal 4 via the network 3 to receive the electronic money and fills the IC card 2 inserted in a predetermined slot with the electronic money. Will be described with reference to the processing procedure diagrams shown in FIGS. In this example, it is assumed that the balance of the deposit account is 100,000 yen, and the user requests the financial institution to issue 50,000 yen of electronic money. First, the user is required to store a predetermined program and data in the storage unit from the financial institution.
Have C card 2 issued. At this point, I
It is assumed that no electronic money is stored in the storage unit constituting the C card 2.

Next, the user uses electronic money to pay a budget of 50,000 at a store, for example, a clothing store.
Before purchasing a certain product, for example, clothes, in a yen (including consumption tax), the user inserts the IC card 2 into a predetermined slot of the mobile phone 1, and then operates the operation unit constituting the mobile phone 1. In this state, electronic money and other data can be written to and read from the storage section of the IC card 2 and access to the financial institution terminal 4 is instructed. Accordingly, the control unit constituting the mobile phone 1 requests the network 3 to connect to the line of the financial institution terminal 4 (call), and the network 3 calls the financial institution terminal 4 (call).

When the control unit constituting the financial institution terminal 4 responds to the call from the network 3 (incoming call) and the call is established, the control unit constituting the portable telephone 1 constitutes the IC card 2. Reads out and starts the partner authentication processing program stored in the storage unit, and executes partner authentication processing for confirming that the user is a valid deposit account holder with the financial institution terminal 4 via the network 3. I do. That is, for example, as illustrated in FIG. 3, the control unit configuring the mobile phone 1 uses the random number information notified from the control unit configuring the financial institution terminal 4 via the network 3 to change the user name and the like. After encrypting password information that consists of a combination of letters, symbols, and numbers, including customer information such as an address or an identification number (ID) for identifying a user, and that is known only to a legitimate user, To the financial institution terminal 4 via the network 3. Thus, the control unit constituting the financial institution terminal 4 receives and decrypts the encrypted customer information and password information, and then, based on the decrypted customer information and password information, determines whether the user is valid. Check if you are a deposit account holder. As this partner authentication processing, for example, SET (SecureElectronic), which is a protocol used when electronic payment is made using a credit card on the Internet
Transaction) (trade name) may be used. For more information on this SET authentication feature,
For example, "Nikkei BP Digital Encyclopedia 1998 Edition"
(Edited by Nikkei BP Publishing Bureau, published by Nikkei BP, No. 538-5
41).

Next, if the user is confirmed to be a valid deposit account holder by the above-mentioned partner authentication processing, the control unit constituting the mobile phone 1 stores the data in the storage unit constituting the IC card 2. The electronic money charging request processing program is read and activated, and the electronic money charging request processing for requesting the financial institution terminal 4 to charge the electronic money via the network 3 is executed. As a result, the control unit of the financial institution terminal 4 responds, via the network 3, to the current balance of the user's deposit account (in this case, 10
(0000 yen), the control unit constituting the mobile phone 1 displays the notified balance on the display unit. After confirming the balance displayed on the display unit, the user sets the mobile phone 1
Of the desired withdrawal amount (50,000 in this case) that the user wishes to withdraw from the deposit account as electronic money by operating the operation unit of
Yen) and press the key to confirm the desired amount to be withdrawn. As a result, the control unit constituting the mobile phone 1 notifies the financial institution terminal 4 of the desired withdrawal amount input by the user via the network 3. The control unit to configure is
A confirmation notification is transmitted to the mobile phone 1 via the network 3 to confirm that the notification has been received.

Next, the mobile phone 1 that has received the confirmation notification
Is transmitted to the financial institution terminal 4 via the network 3 in response to the instruction to execute the electronic money filling in response thereto, the control unit configuring the financial institution terminal 4
One of the processes for managing the savings account of each savings account holder based on the program stored in the storage unit is the current savings balance of the savings account of the user who is the savings account holder (in this case, , 100,000 yen), a withdrawal process of extracting the desired amount of money (50,000 yen in this case) is performed, and then the desired amount of money (50,000 yen in this case) is transmitted to the mobile phone 1 via the network 3. In addition to transmitting electronic money equivalent to 000 yen), it notifies the user of data on the current deposit balance (50,000 yen in this case) after the withdrawal processing. At the same time, the control unit configuring the financial institution terminal 4 is based on a program stored in the storage unit.
Access the electronic money management terminal 5 via a cable,
Desired amount of withdrawal (in this case,
(50,000 yen). As a result, the control unit constituting the electronic money management terminal 5 uses the program stored in the storage unit to execute the IC owned by the user who is the deposit account holder.
The amount of electronic money that has just been charged to card 2 (in this case,
50,000 yen) in the internal storage unit, and the total amount (issued balance) of all electronic money issued by the financial institution and circulating in the market is now stored in the IC card 2 owned by the user. The amount of electronic money charged (50, in this case,
000 yen) is stored in the internal storage unit as a new issue balance, and the financial institution terminal 4 receives the above notification via a cable and responds that it has been processed.

On the other hand, the desired withdrawal amount (in this case, 50,0
The control unit of the mobile phone 1 that has received the data relating to the electronic money corresponding to (00 yen) and the current deposit balance (in this case, 50,000 yen) is based on the program stored in the internal storage unit. The current deposit balance (50,000 yen in this case) and the desired withdrawal amount (5% in this case)
(0.00 yen) is displayed on the display unit, and the received electronic money is stored in the storage unit of the IC card 2, and then communicated with the financial institution terminal 4 via the network 3. The process ends.

Next, after the user goes to a store, for example, a clothing store, looks for clothes and decides which clothes to buy,
An electronic money payment process between the mobile phone 1 and the store terminal 6 when paying with the electronic money filled in the IC card 2 will be described with reference to a processing procedure diagram shown in FIG. First of all, the user needs a certain clothes (price 45,000 yen)
After the purchase contract is concluded with the above-mentioned clothing store and received, the IC card 2 is inserted into a predetermined slot of the mobile phone 1 for payment, and then the operation unit constituting the mobile phone 1 is operated. Then, the electronic money and other data can be written and read out to and from the storage unit constituting the IC card 2, and access to the store terminal 6 is instructed. As a result, the control unit constituting the mobile phone 1 requests the network 3 to connect the line to the store terminal 6 (call), and the network 3 calls the store terminal 6 (call).

When a call is established by the control unit constituting the store terminal 6 responding to the call from the network 3 (incoming call), the control unit constituting the mobile phone 1
It reads out and starts the partner authentication processing program stored in the storage unit constituting the IC card 2 and activates the network 3
A partner authentication process for confirming that the user is a valid owner of the IC card 2 is performed between the user and the store terminal 6 via the. This partner authentication processing is substantially the same as the partner authentication processing described with reference to FIG.

Next, by the above-mentioned partner authentication processing, the user
When it is confirmed that the user is a valid owner of the C card 2, the control unit constituting the mobile phone 1 reads out and activates the electronic money payment request processing program stored in the storage unit constituting the IC card 2. Then, an electronic money payment request process for requesting the store terminal 6 to pay by electronic money via the network 3 is executed. As a result, the control unit of the store terminal 6 sends a notification requesting the price together with the price (45,000 yen in this case) of the clothes delivered to the user via the network 3 as a response. The control unit configuring the telephone 1 displays the notified price on the display unit. After confirming the price displayed on the display unit, the user presses a key indicating that the payment amount has been confirmed on the operation unit included in the mobile phone 1. Thereby, the control unit configuring the mobile phone 1 sends a confirmation notification to the store terminal 6 via the network 3 to the effect that the payment amount has been confirmed. A confirmation notice to confirm that the notice has been received is sent to the mobile phone 1 via the network 3.

Next, the mobile phone 1 that has received the confirmation notification
Is transmitted to the store terminal 6 via the network 3 in response to the instruction to execute payment by electronic money, the control unit forming the store terminal 6 is stored in the storage unit. Based on the program, the amount of electronic money currently charged in the IC card 2 inserted in a predetermined slot of the mobile phone 1 (in this case, 50,
000 yen), a withdrawal process of extracting the amount of electronic money (45,000 yen in this case) corresponding to the price of the product is executed, and in response, the price of the product is sent to the mobile phone 1 via the network 3 as a response. (45,000 yen in this case) and a tax amount (2 in this case, a consumption tax of a predetermined tax rate (for example, 5%)) on the price of the product. 250 yen).

Thus, the control unit of the mobile phone 1 that has received the response, based on the program stored in the storage unit, stores the electronic money stored in the IC card 2 before purchasing the product. Amount (in this case, 50,000
0 yen) is subtracted from the amount of electronic money (45,000 yen in this case) and the tax amount of the consumption tax (2250 yen in this case) corresponding to the price of the product. The corresponding electronic money is newly stored in the storage unit of the IC card 2, and the subtraction result (in this case, 2, 7 in this case)
(¥ 50) is displayed on the display unit, and the communication process with the store terminal 6 via the network 3 is terminated. After that, the control unit constituting the store terminal 6 checks the price of the product paid by the user with the electronic money, the consumption tax (in this case, the price of 4
5,000 yen and a consumption tax amount of 2,750 yen) and the name of the item (in this case, clothes, size, etc.) are stored in a predetermined area of a storage unit constituting the product terminal 6.

Next, the store owner or the like of the store stores, for example, the price paid by electronic money in the store for the past month, which is stored in the storage unit of the store terminal 6 on the settlement day of each month. An electronic money settlement process between the store terminal 6 and the financial institution terminal 4 when the consumption tax amount is electronically settled will be described with reference to a processing procedure diagram shown in FIG. First, the shop owner or the like operates the operation unit constituting the shop terminal 6 to instruct access to the financial institution terminal 4. As a result, the control unit constituting the store terminal 6 requests the network 3 to connect to the line of the financial institution terminal 4 (calling).
Call (call).

When the control unit constituting the financial institution terminal 4 responds to the call from the network 3 (incoming call) and the call is established, the control unit constituting the store terminal 6 is stored in the storage unit. Based on the program, a partner authentication process is performed with the financial institution terminal 4 via the network 3 to confirm that the store or the store owner is a valid deposit account holder. This partner authentication processing is substantially the same as the partner authentication processing described with reference to FIG.

Next, when the store or the store owner is confirmed to be a valid deposit account holder by the partner authentication processing, the control unit constituting the store terminal 6 is stored in the storage unit. After executing electronic money settlement request processing for requesting electronic settlement with electronic money to the financial institution terminal 4 via the network 3 based on the program,
A settlement amount (for example, 1,250,0) consisting of the price paid by electronic money in the store for the last month.
00 yen). Thereby, it is confirmed that the control unit constituting the financial institution terminal 4 has confirmed the electronic money settlement request and the settlement amount (1,250,000 yen in this case) at the store via the network 3 as a response. Since the notification is performed, the control unit included in the store terminal 6 sends an execution notification to the financial institution terminal 4 via the network 3 to instruct execution of settlement by electronic money.

Therefore, the control unit constituting the financial institution terminal 4 accesses the electronic money management terminal 5 via the cable based on the program stored in the storage unit, and sets the settlement amount of the store (in this case, , 1,250,00
(0 yen). Thereby, the control unit that configures the electronic money management terminal 5 performs, based on the program stored in the storage unit,
A clearing process for subtracting the settlement amount (1,250,000 yen in this case) from the store from the outstanding balance of all electronic money issued by the financial institution and distributed in the market, and the clearing result is set as a new The information is stored in the internal storage unit as the issue balance, and the financial institution terminal 4 receives the above notice via the cable and responds that the notice has been processed. As a result, the control unit constituting the financial institution terminal 4 performs the process of managing each deposit account holder's account based on the program stored in the storage unit. The current account balance (eg, 3,500,000 yen) in the store or its owner's deposit account is added to the settlement amount (in this case,
After executing the transfer processing of adding 1,250,000 yen, the settlement amount for the one month (in this case, 1,25 in this case) is sent to the shop terminal 6 via the network 3 as a response.
000 yen) and data on a tax amount (in this case, 62,500 yen) at which a consumption tax of a predetermined tax rate (for example, 5%) is imposed on the settlement amount.

Thus, the control unit of the store terminal 6 that has received the response, based on the program stored in the storage unit, checks the price of the unpaid merchandise stored in the storage unit. Settlement amount for electronic money settlement from the total amount of accounts receivable (in this case, 1, 2
50,000 yen)
Addition processing is performed to add the received consumption tax amount (in this case, 62,500 yen) to the consumption tax amount stored in the storage unit, and each result is newly stored in the storage unit, and if necessary, After displaying on the display, the network 3
The communication process with the financial institution terminal 4 via the terminal is ended.

As described above, according to the configuration of this example, a user who has opened a deposit account at a financial institution can, when necessary, insert the IC card 2 issued by the financial institution into the portable telephone 1. After being inserted into the slot, the user operates the operation unit of the mobile phone 1 to access the financial institution terminal 4 via the network 3 and knows the balance of the deposit in real time, and then transfers the desired amount of electronic money to the IC card 2. Since it can be charged, the user does not need to carry cash at all times, and can obtain the necessary amount of electronic money within the range of the deposit balance regardless of the date and time as long as it can be connected to the network 3, and There is no risk of loss. Further, according to the configuration of this example, since the partner authentication processing program is stored in the storage unit of the IC card 2, even if the IC card 2 is lost or stolen, it is forged like a credit card. The risk of unauthorized use due to such factors is low.
Therefore, there is no possibility that a large unrecognized charge will be made.

Although the embodiment of the present invention has been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and changes in the design and the like can be made without departing from the gist of the present invention. Even if there is, it is included in the present invention. For example, in the above-described embodiment, an example has been described in which the electronic money management terminal 5 is provided independently of the financial institution terminal 4. However, the present invention is not limited to this, and the financial institution terminal 4 also has the function of the electronic money management terminal 5. It may be configured as follows. This simplifies the configuration. Further, in the above-described embodiment, an example is shown in which both the financial institution terminal 4 and the store terminal 6 are connected to the fixed network 13, but the present invention is not limited to this, and one or both of them are connected to the mobile communication network. 11 may be connected. In the latter case, needless to say, the gateway 12 and the fixed network 13 are unnecessary. further,
The mobile communication network 11 and the fixed network 13 may be configured by the Internet. Further, in the electronic money payment processing of the above-described embodiment, an example in which the price of the product and the consumption tax are separately processed has been described. However, the present invention is not limited to this, and the amount obtained by adding the consumption tax to the price of the product may be used once. May be configured to perform subtraction processing from electronic money. With this configuration, communication efficiency is improved.

Further, in the electronic money settlement processing of the above-described embodiment, an example in which settlement is performed every month has been described. However, the present invention is not limited to this. Alternatively, the payment may be made every 10 days. Further, in the above-described embodiment, when the user issues the IC card 2 from the financial institution, an example is shown in which the IC card 2 is not filled with electronic money, but the present invention is not limited to this. , IC pre-filled with electronic money corresponding to the amount desired by the user
The card 2 may be issued.

Further, in the above-described embodiment, an example is shown in which the user carries the portable telephone 1 on which the IC card 2 can be mounted. However, the present invention is not limited to this, and the portable terminal carried by the user includes: A function for connecting to the network 3 and a slot for mounting the IC card 2 are provided.
Any mobile terminal that has a function of charging electronic money or a function of the IC card 2 itself and performs information processing may be used. As such a device, for example, a notebook-type, palm-type, pocket-type, or other computer or a personal digital assistant (PDA: Personal Digital Assistants) that can be connected to a normal mobile phone is conceivable. If the mobile terminal has the function of the IC card 2 itself, the partner authentication process in the electronic money payment process of the above-described embodiment is performed when the user is a valid owner of the electronic money stored inside the mobile terminal. You have to make sure. Further, in the above-described embodiment, the example in which the IC card 2 includes the storage unit including the ROM and the RAM and the communication unit that performs data communication with the mobile phone 1 has been described. Not, IC card 2 is C
A PU is also provided, and the IC card 2 is inserted into a slot of the portable terminal, and is supplied with power from the portable terminal. It may be configured to execute money payment processing and other processing performed by the mobile phone 1. With this configuration, the mobile phone 1 only needs to be configured to have a slot in which an IC card can be inserted and to be able to supply power to the IC card, thereby improving versatility. Further, in the above-described embodiment, the example in which the electronic money filling process and the electronic money payment process are performed separately is described. However, the present invention is not limited to this.
In a state where the financial institution terminal 4 and the store terminal 6 are simultaneously connected via the network 3, the electronic money charging process and the electronic money payment process may be simultaneously executed. According to such a configuration, the procedure of the user is simplified.

Further, in the above-described embodiment, an example in which the user goes directly to the store to purchase the product has been described. However, the present invention is not limited to this. The present invention can be applied to online shopping for accessing the store terminal 6 via the network 3 by operating the operation unit constituting the computer 1 and purchasing a product. Hereinafter, the electronic money payment processing in the online shopping will be described with reference to a processing procedure diagram shown in FIG. As a premise, it is assumed that the user has been registered as a customer in the store terminal 6 by concluding a contract for the online shopping with the store and has been given an identification number (ID) and a password in advance. First, after the user inserts the IC card 2 into a predetermined slot of the mobile phone 1, the user operates an operation unit included in the mobile phone 1 so as to operate the IC card.
A state in which electronic money and other data can be written to and read from the storage unit of the card 2 is set, and an access to the store terminal 6 is instructed. This allows
The control unit included in the mobile phone 1 requests the network 3 to connect to the line of the store terminal 6 (call), so the network 3 calls the store terminal 6 (call).

When the control unit constituting the store terminal 6 responds to the call from the network 3 (incoming call) and the call is established, the control unit constituting the mobile phone 1
It reads out and starts the partner authentication processing program stored in the storage unit constituting the IC card 2 and activates the network 3
, A partner authentication process for confirming that the user is a valid owner of the IC card 2 and a customer registered in the shop terminal 6 with the shop terminal 6. This partner authentication processing is substantially the same as the partner authentication processing described with reference to FIG.

Next, by the above-mentioned partner authentication processing, the user
A valid owner of the C card 2 and the store terminal 6
If it is confirmed that the customer is a registered customer, the control unit configuring the store terminal 6 notifies the mobile phone 1 via the network 3 of product information including characters and images related to products that can be provided to the customer. I do. Thereby, the control unit configuring the mobile phone 1 that has received the product information displays the product information on the display unit. Therefore, with reference to the product information composed of characters and images displayed on the display unit of the mobile phone 1, for example,
When a purchase of a certain clothes (for example, a price of 45,000 yen) is determined and a predetermined key of an operation unit constituting the mobile phone 1 is pressed, a control unit constituting the mobile phone 1 transmits order information regarding the product to a network. Notify via 3

As a result, the control unit of the store terminal 6 that has received the notification of the order information transmits a response confirmation notification indicating that the order of the clothes has been confirmed to the network 3 as a response.
When the control unit of the mobile phone 1 receives the response confirmation notification, the control unit displays a message prompting the final confirmation of the purchase of the clothes on the display unit as necessary, and presses the corresponding key. Or immediately transmits an order confirmation notice as final confirmation of the order to the store terminal 6 via the network 3. Note that the subsequent processing relating to payment by electronic money is substantially the same as the processing of shifting to the electronic money payment request processing described with reference to FIG. 4, and thus description thereof will be omitted. Regarding the receipt of clothes as products, for example, they can be delivered to their homes at a later date, or they can be delivered to a store near their home, such as a convenience store contracted with this store, and received there, or they can receive them freely. You may go to the store directly at the time.
In the electronic money payment processing in online shopping described above, in the online shopping in which a store browses a homepage established on the Internet and purchases goods and services, the access destination is from the store terminal 6 to a WWW (World Wide Web) server. The present invention can be applied since it is substantially the same except for the change.
In this case, the network 3 corresponds to the Internet.

Further, in the electronic money payment processing of the embodiment described above, an example is shown in which the mobile phone 1 on which the IC card 2 is mounted and the store terminal 6 are connected via the network 3, but the present invention is not limited to this. In addition, the mobile phone 1 having the IC card 2 mounted in the slot can access the store terminal 6 via a cable or wirelessly, or perform data communication with the slot in which the IC card 2 can be mounted in the store terminal 6 and the IC card 2. A communication unit may be provided to perform electronic money payment processing directly between the store terminal 6 and the mobile phone 1 or the IC card 2 without using the network 3. According to such a configuration, the procedure for the user is simplified, and the connection fee and communication fee for connecting the mobile phone 1 and the shop terminal 6 via the network 3 are reduced. Further, in the above-described embodiment, an example is shown in which the user's budget (including consumption tax) is higher than the amount actually paid with electronic money (including consumption tax), but the amount actually paid with electronic money (including consumption tax). If exceeds the budget amount, once the data communication between the mobile phone 1 and the shop terminal 6 is cut off, the electronic money charging process is performed again, or the data communication between the mobile phone 1 and the shop terminal 6 is suspended. Either perform additional charging of electronic money in the form of so-called multi-call, or determine the specific product to be purchased by the user at the store, and execute the electronic money charging when the price to be paid to the store and the consumption tax amount are determined. What is necessary is just to comprise so that it may perform.

Further, in the above-described embodiment, an example has been described in which the store terminal 6 performs processing related to electronic money in addition to the functions of a normal register. However, the present invention is not limited to this.
You may be comprised so that only the process regarding electronic money may be performed. Further, in the above-described embodiment, for simplification of description, an example in which the number of the mobile phones 1 is one is shown. However, the present invention is not limited to this, and a plurality of mobile phones 1 can be connected to the network 3. Needless to say. Further, in the above-described embodiment, the example is described in which the store is a clothing store that sells clothes. However, the present invention is not limited to this, and the store may include other products other than clothes, various information, and other services. May be provided as long as it is paid for.

[0064]

As described above, according to the configuration of the present invention, the portable terminal accesses the financial institution terminal via the network and receives the electronic money within the range of the deposit balance of the portable terminal user. In addition to receiving the decrease in the user's deposit balance for the amount corresponding to the electronic money, access the store terminal via the network and send all or part of the electronic money as the price for the goods and services purchased by the user The store terminal accesses the financial institution terminal via the network and receives an increase in the deposit balance of the store or the store owner of the store for the amount corresponding to the electronic money received as the price of the sold product or service. Since there is no need to carry cash, there is no danger of being stolen or lost. Further, since the deposit balance can be confirmed in real time regardless of the date and time, it is possible to obtain electronic money of an amount necessary for purchasing goods and services within the range of the deposit balance and to use it for payment. Furthermore, even in the event of loss or theft, the risk of unauthorized use is low.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an electronic money operation system according to an embodiment of the present invention.

FIG. 2 is a processing procedure diagram for explaining electronic money filling processing in the same system.

FIG. 3 is a processing procedure diagram for explaining an example of a partner authentication process in the same system.

FIG. 4 is a processing procedure diagram for explaining electronic money payment processing in the same system.

FIG. 5 is a processing procedure diagram for explaining electronic money settlement processing in the same system.

FIG. 6 is a processing procedure diagram for explaining electronic money payment processing in a modified example of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Mobile telephone (form terminal) 2 IC card 3 Network 4 Financial institution terminal 5 Electronic money management terminal (financial institution terminal) 6 Store terminal

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07G 1/14 G07G 1/14

Claims (24)

[Claims] At least one mobile terminal, at least one financial institution terminal installed in a financial institution, and at least one store terminal installed in a store are connected via a network, and the mobile terminal is Accessing the financial institution terminal via the network, depositing electronic money consisting of data that is given a value equivalent to cash and can purchase goods and services instead of cash, An electronic money filling process for receiving within the range of the balance and receiving a decrease in the user's deposit balance for the amount corresponding to the electronic money, and accessing the store terminal via the network to allow the user to make a purchase. And electronic money payment processing for transmitting all or a part of the electronic money as a price for the goods and services that have been provided. Accessing the financial institution terminal via the network and executing an electronic money settlement process for receiving an increase in the deposit balance of the store or the store owner of the store for an amount corresponding to the electronic money received as a price for the sold product or service. A method of operating electronic money, comprising: 2. The electronic device according to claim 1, wherein the portable terminal has a size and a shape similar to a credit card, and is configured so that an IC card including a storage unit can be inserted therein. 2. The electronic money payment processing according to claim 1, wherein all or a part of the electronic money transmitted to the store terminal is subtracted from the electronic money stored in the storage unit. Electronic money operation method. 3. At least one portable terminal having a size and shape similar to a credit card and capable of mounting an IC card having a control unit and a storage unit, and at least one mobile terminal installed at a financial institution. A financial institution terminal and at least one store terminal installed in the store are connected via a network, and the control unit accesses the financial institution terminal via the network and is given a value equivalent to cash. Receiving, in the storage unit, electronic money consisting of data capable of purchasing goods and services instead of cash within the range of the user's deposit balance of the portable terminal,
An electronic money filling process for receiving a decrease in the user's deposit balance for the amount corresponding to the electronic money, and accessing the store terminal via the network to store the price as a price for the product or service purchased by the user. Electronic money payment for transmitting all or part of the electronic money stored in the storage unit and subtracting all or part of the electronic money transmitted to the store terminal from the electronic money stored in the storage unit Executing the processing, the store terminal accesses the financial institution terminal via the network, and deposits of the store or the store owner of the store for the amount corresponding to the electronic money received as the price of the sold product or service An electronic money operation method, comprising executing an electronic money settlement process for receiving an increase in the balance. 4. The shop terminal is configured so that the IC card can be mounted thereon, and the control unit executes the electronic money payment process in a state where the IC card is mounted on the shop terminal. The electronic money operation method according to claim 3, wherein 5. The electronic money payment process according to claim 1, wherein the portable terminal or the control unit accesses the store terminal via a cable or wirelessly and executes the electronic money payment processing. Electronic money operation method described in 1. 6. The mobile terminal or the control unit executes the electronic money filling process after confirming that the user is a valid deposit account holder who has contracted with the financial institution. Executes the electronic money payment process after it is confirmed that the electronic money is a legitimate owner of the electronic money, and the store terminal is a legitimate deposit account holder contracted by the store or the store owner with the financial institution. The electronic money operation method according to claim 1, wherein the electronic money settlement processing is executed after the confirmation is made. 7. The mobile terminal or the control unit simultaneously accesses the financial institution terminal and the store terminal via the network, and simultaneously executes the electronic money charging process and the electronic money payment process. The electronic money operation method according to claim 1, wherein: 8. The mobile terminal or the control unit accesses the store terminal or server via the network and uses the store terminal or the server based on information on a product or service available for purchase provided from the store terminal or the server. About the price of goods and services that are decided to be purchased by
The electronic money management method according to claim 1, wherein the electronic money payment processing is performed. 9. The store terminal may be operated on a weekly, weekly,
9. The electronic money operation method according to claim 1, wherein the electronic money settlement processing is executed every 0 days or every month. 10. The financial institution terminal ascertains and manages the balance of issuance of all electronic money issued by the financial institution and distributed in the market, and ascertains the amount of electronic money issued to each user. 10. An electronic money management process for performing the management according to claim 1.
Electronic money operation method described in 1. 11. The electronic money management method according to claim 10, wherein the electronic money management processing is executed by an electronic money management terminal provided in the financial institution separately from the financial institution terminal. 12. An electronic system comprising at least one mobile terminal, at least one financial institution terminal installed in a financial institution, and at least one store terminal installed in a store connected via a network. A money management system, wherein the mobile terminal accesses the financial institution terminal via the network, is provided with a value equivalent to cash, and includes data that can purchase goods and services instead of cash. An electronic money receiving process for receiving the electronic money within the range of the user's deposit balance of the mobile terminal and receiving a decrease in the user's deposit balance for an amount corresponding to the electronic money; and Accessing a store terminal and transmitting all or part of the electronic money as a price for the product or service purchased by the user Executing the child money payment process, the store terminal accesses the financial institution terminal via the network, and for the amount corresponding to the electronic money received as the price of the sold goods and services, the store or the store An electronic money operation system for executing an electronic money settlement process for receiving an increase in a storekeeper's deposit balance. 13. The electronic device according to claim 13, wherein the portable terminal has a size and a shape similar to a credit card, and is configured such that an IC card including a storage unit can be inserted.
Storing the received electronic money in the storage unit, and in the electronic money payment process, subtracting all or part of the electronic money transmitted to the store terminal from the electronic money stored in the storage unit. 13. The electronic money operation system according to claim 12, wherein: 14. At least one portable terminal having a size and shape similar to a credit card and capable of mounting an IC card having a control unit and a storage unit, and at least one mobile terminal installed at a financial institution. An electronic money operation system configured by connecting a financial institution terminal and at least one store terminal installed in a store via a network, wherein the control unit is configured to connect to the financial institution terminal via the network. The storage unit for receiving, receiving, within the range of the balance of the user of the portable terminal, electronic money comprising data that can be accessed and given a value equivalent to cash and can purchase goods and services instead of cash. And remember
An electronic money filling process for receiving a decrease in the user's deposit balance for the amount corresponding to the electronic money, and accessing the store terminal via the network to store the price as a price for the product or service purchased by the user. Electronic money payment for transmitting all or part of the electronic money stored in the storage unit and subtracting all or part of the electronic money transmitted to the store terminal from the electronic money stored in the storage unit Executing the processing, the store terminal accesses the financial institution terminal via the network, and deposits of the store or the store owner of the store for the amount corresponding to the electronic money received as the price of the sold product or service An electronic money operation system for executing an electronic money settlement process for receiving an increase in a balance. 15. The shop terminal is configured so that the IC card can be mounted thereon, and the control unit executes the electronic money payment process in a state where the IC card is mounted on the shop terminal. The electronic money operation system according to claim 14, wherein 16. The electronic money payment process according to claim 12, wherein the portable terminal or the control unit accesses the store terminal via a cable or wirelessly to execute the electronic money payment processing. Electronic money operation system according to the above. 17. The mobile terminal or the control unit executes the electronic money filling process after confirming that the user is a valid deposit account holder who has contracted with the financial institution. Executes the electronic money payment process after it is confirmed that the electronic money is a legitimate owner of the electronic money, and the store terminal is a legitimate deposit account holder contracted by the store or the store owner with the financial institution. 17. The electronic money operation system according to claim 12, wherein the electronic money settlement processing is executed after it is confirmed that the electronic money settlement processing is performed. 18. The storage unit includes a first partner authentication program for confirming that the user is a valid deposit account holder who has contracted with the financial institution, and the user has a validity of the electronic money. A second partner authentication program for confirming that the user is the proper owner is stored in advance, and the portable terminal or the control unit executes the first partner authentication program to allow the user to execute the first partner authentication program. The electronic money filling process is executed after it is confirmed that the user is a legitimate deposit account holder who has contracted with the user. The electronic money operation system according to any one of claims 13 to 27, wherein the electronic money payment processing is performed after it is confirmed that the electronic money operation is performed. 19. The mobile terminal or the control unit simultaneously accesses the financial institution terminal and the store terminal via the network, and simultaneously executes the electronic money charging process and the electronic money payment process. The electronic money operation system according to any one of claims 12 to 18, wherein 20. The portable terminal or the control unit accesses the shop terminal or server via the network, and uses the shop terminal or the server based on information on a purchaseable product or service provided from the shop terminal or the server. The electronic money operation according to any one of claims 12, 13, 14, 17, 18, and 19, wherein the electronic money payment processing is executed for a price of a product or service determined to be purchased by a user. system. 21. The shop terminal, every day, every week,
21. The electronic money settlement process is executed every 10 days or every month.
The electronic money operation system according to any one of the above. 22. The financial institution terminal ascertains and manages the balance of issuance of all electronic money issued by the financial institution and distributed in the market, and ascertains the amount of electronic money issued to each user. 21. The electronic money operation system according to claim 12, wherein an electronic money management process for performing the management is performed. 23. The electronic money management system according to claim 22, wherein the electronic money management processing is executed by an electronic money management terminal provided in the financial institution separately from the financial institution terminal. 24. A storage medium storing an electronic money operation program for causing a computer to realize the functions according to claim 1. Description: