JP2010026821A5

JP2010026821A5 -

Info

Publication number: JP2010026821A5
Application number: JP2008187949A
Authority: JP
Filing date: 2008-07-18
Publication date: 2011-08-18

Claims

口座管理装置の口座により管理されている電子マネーの残高であって、資金に基づく電子マネーの残高である第１の残高と、資金に基づかない電子マネーの残高である第２の残高とを記憶する記憶部と、
前記電子マネーによって購入される商品の購入金額を前記第１の残高と前記第２の残高の一方または両方から減算するように、前記第１の残高と前記第２の残高の更新を制御する制御部と
を備える電子機器。 A balance of electronic money that is managed by the account account management apparatus, stores the first balance is the balance of the electronic money based on funds, a second balance is the balance of the electronic money which is not based on funding A storage unit to
Control for controlling updating of the first balance and the second balance so as to subtract the purchase amount of the commodity purchased by the electronic money from one or both of the first balance and the second balance And electronic equipment.

前記制御部は、前記購入金額を、前記第２の残高から優先的に減算し、不足する分を前記第１の残高から減算する
請求項１に記載の電子機器。 The electronic device according to claim 1, wherein the control unit preferentially subtracts the purchase amount from the second balance, and subtracts an insufficient amount from the first balance.

前記記憶部は、前記第１の残高と前記第２の残高を合計した第３の残高をさらに記憶する
請求項２に記載の電子機器。 The electronic device according to claim 2, wherein the storage unit further stores a third balance obtained by adding the first balance and the second balance.

前記記憶部は、前記第３の残高と同じ額であって、前記商品の購入時に前記第３の残高より先に更新される第４の残高をさらに記憶する
請求項３に記載の電子機器。 Wherein the storage unit, the third of the same amount as the balance, the electronic device according to claim 3, further stores a fourth balance to be updated prior to the third balance at the time of purchase of the product.

口座管理装置の口座により管理されている電子マネーの残高であって、資金に基づく電子マネーの残高である第１の残高と、資金に基づかない電子マネーの残高である第２の残高とを記憶する記憶部、および制御部を有する電子機器において、
前記制御部が、前記電子マネーによって購入される商品の購入金額を前記第１の残高と前記第２の残高の一方または両方から減算するように、前記第１の残高と前記第２の残高の更新を制御する
電子マネー管理方法。 A balance of electronic money that is managed by the account account management apparatus, stores the first balance is the balance of the electronic money based on funds, a second balance is the balance of the electronic money which is not based on funding In an electronic device having a storage unit and a control unit
Wherein the control unit, the purchase price of a product to be purchased by the electronic money so as to subtract from one or both of the second balance from the first balance, said first balance and said second balance electronic money management how to control the update.

口座管理装置の口座により管理されている電子マネーの残高であって、資金に基づく電子マネーの残高である第１の残高と、資金に基づかない電子マネーの残高である第２の残高とを記憶する記憶部を有するコンピュータに、
前記電子マネーによって購入される商品の購入金額を前記第１の残高と前記第２の残高の一方または両方から減算するように、前記第１の残高と前記第２の残高の更新を制御する
処理を実行させるプログラム。 A balance of electronic money that is managed by the account account management apparatus, stores the first balance is the balance of the electronic money based on funds, a second balance is the balance of the electronic money which is not based on funding In a computer having a storage unit
Processing to control the update of the first balance and the second balance so as to subtract the purchase amount of the product purchased by the electronic money from one or both of the first balance and the second balance A program that executes

利用者の電子マネー預金口座を、資金に基づく電子マネーの第１の口座と、資金に基づかない電子マネーの第２の口座とに区別して記憶する記憶部と、
前記電子マネーによって購入される商品の購入金額を前記第１の口座と前記第２の口座の一方または両方から減算するように、前記第１の口座と前記第２の口座との更新を制御する制御部と
を備える電子マネー管理装置。 A storage unit that stores a user's electronic money deposit account separately into a first account of electronic money based on funds and a second account of electronic money not based on funds;
The purchase price of the goods to be purchased by the electronic money so as to subtract from one or both of the second account and the first account, and controls the updating of the first account and the second account An electronic money management device comprising a control unit.

前記制御部は、前記購入金額を、前記第２の口座から優先的に減算し、不足する分を前記第１の口座から減算する
請求項７に記載の電子マネー管理装置。 The electronic money management device according to claim 7, wherein the control unit preferentially subtracts the purchase amount from the second account, and subtracts an insufficient amount from the first account.

前記制御部は、前記第２の口座から前記第１の口座または前記利用者もしくは他の利用者の普通預金口座への出金を禁止する
請求項８に記載の電子マネー管理装置。 The electronic money management apparatus according to claim 8, wherein the control unit prohibits withdrawal from the second account to the first account or the user or another user's ordinary deposit account.

利用者の電子マネー預金口座を、資金に基づく電子マネーの第１の口座と、資金に基づかない電子マネーの第２の口座とに区別して記憶する記憶部、および制御部を有する電子マネー管理装置において、
前記制御部が、前記電子マネーによって購入される商品の購入金額を前記第１の口座と前記第２の口座の一方または両方から減算するように、前記第１の口座と前記第２の口座との更新を制御する
電子マネー管理方法。 An electronic money management apparatus having a storage unit and a control unit for storing a user's electronic money deposit account separately in a first account of electronic money based on funds and a second account of electronic money not based on funds In
Wherein the control unit, the purchase price of a product to be purchased by the electronic money so as to subtract from one or both of the second account and the first account, the first account and the second account electronic money management how to control the update.

利用者の電子マネー預金口座を、資金に基づく電子マネーの第１の口座と、資金に基づかない電子マネーの第２の口座とに区別して記憶する記憶部を有するコンピュータに、
前記電子マネーによって購入される商品の購入金額を前記第１の口座と前記第２の口座の一方または両方から減算するように、前記第１の口座と前記第２の口座との更新を制御する
処理を実行させるプログラム。 In a computer having a storage unit that stores a user's electronic money deposit account separately into a first account of electronic money based on funds and a second account of electronic money not based on funds,
The purchase price of the goods to be purchased by the electronic money so as to subtract from one or both of the second account and the first account, and controls the updating of the first account and the second account A program that executes processing.

電子マネー管理装置および口座管理装置を含む電子マネー管理システムであって、
前記電子マネー管理装置は、加盟店端末から電子マネーによる購入金額および前記電子マネーの利用者情報を受信し、前記利用者情報から前記電子マネーが資金に基づかない電子マネーと資金に基づく電子マネーの両方を取り扱う方式の電子マネーシステムによるものであると判断した場合、利用者の電子マネー預金口座を管理する前記口座管理装置に前記購入金額を送信し、
前記口座管理装置は、前記利用者の電子マネー預金口座を資金に基づく電子マネーの第１の口座と資金に基づかない電子マネーの第２の口座とに区別して管理し、受信した前記購入金額を前記第２の口座から優先的に減算するとともに、不足する分を前記第１の口座から減算して、前記第１の口座から減算した額を前記電子マネー管理装置の管理者の口座へ振り込み、
前記電子マネー管理装置は、前記口座管理装置から前記振り込みの完了の通知を受けた場合、前記購入金額を前記加盟店端末の管理者の口座に振り込む
電子マネー管理システム。 An electronic money management system including an electronic money management device and an account management device,
The electronic money management device receives a purchase amount of electronic money and user information of the electronic money from a member store terminal, and electronic money that is not based on funds from the user information and electronic money based on the funds If both is determined to be due to the electronic money system of the type for handling, transmitting the purchase amount to the account management system for managing electronic money account of the user,
The account management device manages to distinguish in the second account of the first accounts and electronic money which is not based on funds of electronic money based on the funds the electronic money deposit account of the user, the purchase price received with preferentially subtracted from the second account, by subtracting the amount of missing from the first account, transfer the amount obtained by subtracting from the first account to the administrator account of the electronic money management device,
The electronic money management device, the account management if the device or we received the notification of the vibration Ri write Mino completed, the electronic money management system to transfer money to the purchase price to the administrator of the account of the merchant terminal.

電子マネー管理装置および口座管理装置を含む電子マネー管理システムにおいて、
前記電子マネー管理装置が、加盟店端末から電子マネーによる購入金額および前記電子マネーの利用者情報を受信し、前記利用者情報から前記電子マネーが資金に基づかない電子マネーと資金に基づく電子マネーの両方を取り扱う方式の電子マネーシステムによるものであると判断した場合、利用者の電子マネー預金口座を管理する口座管理装置に前記購入金額を送信し、
前記口座管理装置が、前記利用者の電子マネー預金口座を資金に基づく電子マネーの第１の口座と資金に基づかない電子マネーの第２の口座とに区別して管理し、受信した前記購入金額を前記第２の口座から優先的に減算するとともに、不足する分を前記第１の口座から減算して、前記第１の口座から減算した額を前記電子マネー管理装置の管理者の口座へ振り込み、
前記電子マネー管理装置は、前記口座管理装置から前記振り込みの完了の通知を受けた場合、前記購入金額を前記加盟店端末の管理者の口座に振り込む
電子マネー管理方法。 In an electronic money management system including an electronic money management device and an account management device,
The electronic money management device receives the user information of the purchase price and the electronic money from the member store terminal by the electronic money, the electronic money based on electronic money and money which the electronic money is not based on funds from the user information If it is determined to be based on an electronic money system that handles both, the purchase amount is sent to an account management device that manages the user's electronic money deposit account,
The account management device, and differentiated management and a second account of the first accounts and electronic money which is not based on funds of electronic money based on the funds the electronic money deposit account of the user, the purchase price received with preferentially subtracted from the second account, by subtracting the amount of missing from the first account, transfer the amount obtained by subtracting from the first account to the administrator account of the electronic money management device,
The electronic money management device, said when receiving the notification of the account management system or we said vibration Ri write Mino completed, the electronic money management how to transfer money to the purchase price to the administrator of the account of the merchant terminal.