Abstract: An information processing device is provided with a payment data acquiring unit for acquiring, from a payment processing system, payment data relating to a completed payment, a reimbursement object identifying unit for identifying, out of the payment data that is acquired, object payment data relating to a payment that is an object of reimbursement, on the basis of the information that enables identifying of the payer and the information that enables identifying of the payee included in the payment data, and a calculating unit for calculating a volume of a reimbursement value used for the reimbursement, on the basis of the payment amount included in one or a plurality of pieces of the object payment data identified by the reimbursement object identifying unit, for each payer.

Abstract: Provided is an authentication system (S) configured as follows. Input information acquisition means (101, 201) acquires input information, which relates to a feature of an outer appearance of a card possessed by a user, and has been input from a user terminal (30). Identification information acquisition means (104, 202) acquires identification information that enables identification of the card. Registered information acquisition means (105, 203) acquires registered information, which relates to the feature of the outer appearance, and has been registered in a server (10, 20) in association with the identification information in advance. Authentication means (102) executes the authentication based on the input information and the registered information.

Abstract: A system for avoiding an access conflict between a plurality of devices that access an IC module. The system includes a first device and a second device that can access an IC module used in an electronic money system. The second device has the function of detecting waves having a predetermined pattern to indicate that the first device is accessing the IC module. These waves may be continuously generated from the first device or may be continuously generated from another device installed near the first device, and when the second device detects the waves having the predetermined pattern, the second device refrains from accessing the IC module. This allows the system to implement autonomous conflict control between a plurality of devices that access the IC module that does not have an adequate conflict control function without providing a special control circuit.

Abstract: Input information acquisition means (101, 201) of an authentication system (S) acquires input information, which accompanies a card possessed by a user, and has been input from a user terminal through use of reading means (33A) or photographing means (36). Identification information acquisition means (102, 202) acquires identification information that enables identification of the card. Registered information acquisition means (105, 203) acquires registered information, which accompanies the card, and has been registered in a server in association with the identification information in advance. Authentication means (103) executes authentication based on the input information and the registered information.

Abstract: Provided is a card registration system including at least one processor configured to: acquire, when a registration request for a card is received from a user terminal, card information that enables identification of the card; acquire registered user information on a user who possesses the card, which has been registered in a server in advance in association with the card information; execute authentication based on the registered user information and input information input from the user terminal; and register the card based on an execution result of the authentication.

Abstract: An information processing device is provided with a payment data acquiring unit for acquiring, from a payment processing system, payment data relating to a completed payment, a reimbursement object identifying unit for identifying, out of the payment data that is acquired, object payment data relating to a payment that is an object of reimbursement, on the basis of the information that enables identifying of the payer and the information that enables identifying of the payee included in the payment data, and a calculating unit for calculating a volume of a reimbursement value used for the reimbursement, on the basis of the payment amount included in one or a plurality of pieces of the object payment data identified by the reimbursement object identifying unit, for each payer.

Abstract: A portable terminal, a terminal function management system, and a terminal function management method that can prevent electronic money fraud by another person after loss or theft and readily and accurately determine the electronic money balance to be guaranteed are provided. In a portable terminal, a lock function that imposes restrictions on access to a chip storage unit that stores a value balance is enabled. It is thereby possible to prevent electronic money fraud by another person after the loss or theft of the portable terminal. Further, in the portable terminal, a value balance acquired after the lock function is enabled and before the lock function is released is stored in an electronic money server. It is thereby possible to readily and accurately determine the electronic money balance to be guaranteed which is stored the chip storage unit at the time when the loss or theft is found.

Abstract: The object of the present invention is to shorten time from when a predetermined condition is satisfied till when recharging is completed. A mobile terminal directly requests an electronic money server to perform recharging. In response to this, the electronic money server secures funds and then generates a command group for recharging. Then, the electronic money server sends, to the mobile terminal, a storage instruction by which the mobile terminal is made to store the generated command group in an IC chip. The mobile terminal then does not immediately execute the command group but temporality stores the command group into a general-purpose IC chip. In this way, a stage of preparation for recharging is completed. Then, under a certain condition (for example, by user's operation, on the side of the general-purpose IC chip, the stored command group is executed. In this way, recharging is performed, and the value balance is updated.

Abstract: A payment system comprising: a customer terminal operated by a customer; and a server, wherein the server stores each of a plurality of pieces of shop identification information in association with authentication information that is necessary for a payment, wherein the customer terminal: receives a selection of a payee shop by the customer; receives an input of the authentication information by the payee shop; and sends shop identification information of the payee shop and the authentication information entered by the payee shop to the server, the server executes authentication processing based on authentication information received from the customer terminal and authentication information stored in association with the shop identification information received from the customer terminal, the payment system executes payment processing to the payee shop based on an authentication result.

Abstract: The objective of the present invention is, with respect to a portable terminal which is provided with an electronic money function, to facilitate restoration of an original state if a terminal has been discovered, while preventing unauthorized usage of electronic money at a time of loss for a terminal which is provided with an electronic money function. If a terminal is lost, an electronic money server is accessed from a second terminal in order to perform a loss lock request. The electronic money server turns ON a loss lock flag corresponding to an electronic money ID in order to output a negative flag ON instruction for an electronic money function section at a point at which access has been made from the terminal. For the electronic money function section, by turning ON a negative flag, the electronic money function section is locked so that settlements and charges are disabled.

Abstract: A mobile terminal inputs a sound effect output from a communication device through a microphone in response to completion of access to an IC module, and determines whether a sound pattern of the input sound effect indicates a preset sound pattern. When it is determined that the sound pattern of the input sound effect indicates the preset sound pattern, the mobile terminal displays provision information on a location where the communication device exists, on the display device that is display-controlled by the mobile terminal.

Abstract: A client (such as a PC, portable telephone, PDA, electrical appliances), to which a device such as a IC card is connected, starts a handshake protocol to request a server to start communication. When communication is established via the handshake protocol, the initiative of communication is transferred to the server, and the state changes into a neutral state. In this neutral state, a control packet including a particular number of messages and a finished message is transmitted from the server to the client. If the client receives the control packet, the client performs a process according to the messages included in the control packet. This makes it possible to remotely control a device via a network in a highly reliable and efficient manner.

Abstract: A settlement system includes a mobile terminal including a plurality of payment means for performing the payment process, and a reader/writer including an acquisition unit that sequentially inquires to the mobile terminal about each of a plurality of acceptable payment means and accepting a payment with one payment means specified among payment means confirmed to be present by the settlement acquisition unit by using a settlement unit corresponding to the one payment means, the mobile terminal further including a storage means that stores limitation information, and the reader/writer further includes a limitation information acquisition means that acquires the limitation information stored in the storage means, and an electronic money type narrowing down unit that stops inquiries by the acquisition unit when presence of payment means limited by the limitation information acquired by the limitation information acquisition means is confirmed by the acquisition unit.

Abstract: To simplify the configuration for achieving payment with a high degree of freedom in or near a shop, position information acquisition means of a payment system acquires shop terminal position information for indicating a position of a shop terminal and customer terminal position information for indicating a position of a portable customer terminal on which a customer performs a payment operation. Determination means determines, when the payment operation is performed on the customer terminal, whether a distance between the position of the shop terminal indicated by the shop terminal position information and the position of the customer terminal indicated by the customer terminal position information is smaller than a threshold value. Pay lent processing execution means is executable for payment processing based on a result of determination made by the determination means.

Abstract: The purpose of the present invention is to transfer value, the balance of which is managed by a server, to a terminal that does not have online connection function. An electronic money server 2 records the balance of a value in a state in which the balance is related to an electronic money card 4 or a portable terminal 5. An off-line payment terminal 7 is not provided with communication network connection function and cannot communicate with the electronic money server 2 directly. On the other hand, the portable terminal 5 can connect to the electronic money server 2 via the Internet 3. Thus, the off-line payment terminal 7 connects to the electronic money server 2 by using the portable terminal 5 as a relay device by using the communication network connection function of the portable terminal 5 at the time of payment. In this way, the electronic money server 2 can connect to the off-line payment terminal 7 and make payment by using the value of the account of the portable terminal 5.

Abstract: An object is to provide information more suited to the needs of the user by appropriately controlling timing with which information is provided to the user and the contents of the information. An electronic money server receives log data, identifies a store ID by searching a payment terminal DB by using a payment terminal ID of the log data as a key, checks a breakdown data providing store flag of a store DB (B) by using the store ID as a key, and, if a store is not a store providing the breakdown data, identifies the location of the store by searching a store DB (A) by using the store ID as a key. The electronic money server 2 acquires e-mail which conforms to the identified location by searching an e-mail (A) DB by using the identified location as a key. For example, it is information on a discount which is offered in a nearby store.

Abstract: Provided is a payment module capable of allowing a total amount of money dispersedly recharged for a plurality of kinds of prepaid values to be used for a payment regardless of which of the prepaid values is used for the payment. An IC chip (22) stores a plurality of kinds of electronic values, and subtracts an amount of money that is equal to or more than a difference between a balance of an electronic value of the plurality of kinds of electronic values that is used for a payment and a payment amount as a total from balances of electronic values of the plurality of kinds of electronic values that are not used for the payment. The IC chip (22) adds the subtracted amount of money to the balance of the electronic value to be used for the payment, and subtracts the payment amount from the balance after the addition.

Abstract: The purpose of the present invention is to provide an electronic money server that supports regular periodic payments using electronic money. On the electronic money server, a payment debt is created in association with an electronic money function section ID. A “transaction ID” is also determined at that time. An electronic money application on a portable terminal sends the electronic money server a payment debt request to ascertain whether or not a payment debt exists. If a payment debt exists and the due date thereof has been reached, the electronic money server sends the portable terminal a payment connection request and requests authorization from the user. If the user sends an “approval” notification to the electronic money server, the electronic money server sends a payment request by sending a subtraction command to a IC chip in the portable terminal.

Abstract: Provided are a mobile terminal, information processing method, information processing program, and computer-readable recording medium storing the program whereby, when in a locked state, a specific function is unusable but another function is usable, thereby improving user convenience. When this mobile terminal is in a state where lock function is enabled, a function where a terminal function unit accesses an IC chip to perform settlement processing using electronic money is unavailable, but a function where the terminal function unit accesses the IC chip to perform auto-charge process using electronic money is available. As a result, when the mobile terminal is locked, a function to perform settlement processing as a specific function is unusable but a function to perform auto-charge process as another function is usable, thereby improving user convenience.

Abstract: A payment system (100) includes a mobile terminal (1) that includes a plurality of payment means that makes payments and a reader/writer (3) that includes an inquiry means configured to sequentially make inquiries to the mobile terminal (1) about each of a plurality of acceptable payment means and accepts a payment with one payment means specified among available payment means found by the inquiry means by using a payment processing means corresponding to the one payment means, and the mobile terminal (1) further includes a mobile application (14) that temporarily disables one or more payment means among the plurality of payment means in response to an external request.