US 2004/0172359 A1 · Electronic money system, electronic money exchange server and mobile phone

Abstract

The settlement processing with optional electronic money is to be enabled under the circumstances where the sorts of the electronic money accepted by different settlement terminals are different. In case the electronic money “dollar” that can be used for settlement in a settlement terminal differs from the electronic money “yen” stored in an electronic money storage area of a mobile terminal (mobile phone) and hence settlement is not possible, the user of the mobile terminal accesses an electronic money exchange server, adapted for performing the processing of exchanging various sorts of the electronic money, over the network, to request the server to exchange the electronic money “yen” in the electronic money storage area for the electronic money “dollar”. The electronic money exchange server accepts the request to perform the processing of exchanging the electronic money “yen” with the electronic money “dollar” in accordance with the preset exchange rate to update the electronic money storage area of the mobile terminal (mobile phone). After the exchange, the user of the mobile terminal (mobile phone) performs the settlement processing in the settlement terminal with the exchanged electronic money “dollar”.

Claims17

Dependent claims

An electronic money system comprising a settlement terminal for receiving and executing a request for settlement processing with at least one sort of electronic money, and a mobile terminal including electronic money storage means for storing and holding the amounts available of a plurality of various sorts of the electronic money, said mobile terminal transmitting a request for settlement processing with the electronic money in dependency upon said settlement terminal;

said system further comprising
means for accepting an exchange rate inquiry processing from said mobile terminal to transmit an exchange rate between two or more sorts of the electronic money, at least including said one sort of the electronic money, to said mobile terminal;
and
means for updating, on accepting an exchange execute request including the information on the exchange amount with any one sort of the electronic money before exchange or after exchange from said mobile terminal, the amount available of the various sorts of the electronic money in said electronic money storage means of said mobile terminal, based on said exchange rate and on said exchange execute request.

1 more element

An electronic money exchange server for exchange from one sort of the electronic money to another in an electronic money system including a settlement terminal for receiving and executing a request for settlement processing with at least one sort of electronic money, and a mobile terminal including electronic money storage means for storing and holding a plurality of various sorts of the electronic money, said mobile terminal transmitting a request for settlement processing with the electronic money in agreement with said settlement terminal;

said electronic money exchange server comprising
means for transmitting an exchange rate between two or more sorts of the electronic money, at least including said one sort of the electronic money, to said mobile terminal, in case exchange rate inquiry processing is performed from said mobile terminal;
and
means for updating, on accepting an exchange execute request, including the information on the exchange amount by one sort of the electronic money before exchange or after exchange, from said mobile terminal, the amount available of the various sorts of the electronic money in said electronic money storage means of said mobile terminal, based on said exchange rate and on said exchange execute request.

1 more element

Dependencies are inferred from the claim text.

Electronic money system, electronic money exchange server and mobile phone

Life of this patent

Electronic money system, electronic money exchange server and mobile phone

Life of this patent

Abstract

Claims17