Electronic-money settlement method and information processing apparatus therefor
OwnerMotoshi Asano, Makoto Yamadainventors
Life of this patent
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Abstract
An electronic-money settlement method and information processing apparatus use a portable information device and a management center. when an amount of electronic money deposited in the portable information device is insufficient for a payment amount, information on a loan made to the user of the portable information device up to a predetermined limit is recorded by the portable information device and the management center.
Claims6
An electronic-money settlement method comprising the steps of:
- recording, in a portable electronic device and a management center, information on a deposited amount of money, said information being stored in said portable electronic device in the form of electronic money representing a monetary value;
- and
- recording, in said portable electronic device and said management center, information on a loan made to the user of said portable electronic device up to a predetermined limit when a payment amount exceeds the remaining amount of the electronic money stored in said portable electronic device.
An information processing apparatus that subtracts a used amount from a monetary value stored in a portable electronic device in the form of electronic money so that the remaining amount of the electronic money in the portable electronic device is updated, said information processing apparatus comprising:
- first means for notifying a management center of the updated amount;
- and
- second means in which, when a payment amount exceeds the remaining amount of the electronic money stored in said portable electronic device, said second means records information on a loan made to the user of said portable electronic device in said portable electronic device, and notifies said management center of said information.
Dependencies are inferred from the claim text.