Abstract: An information processing apparatus is provided. The information processing apparatus includes an electronic money unit including a processor, a memory configured to store a balance of electronic monetary value, a terminal communication unit configured to receive a first command from an electronic money terminal using a terminal antenna, a mobile communication unit including a phone antenna for mobile communication via a base station; an interface unit configured to receive a second command from an electronic money server through an encrypted connection over the mobile communication; wherein the processor is configured to change the balance of electronic monetary value in response to at least one of the first command and the second command.

Abstract: An object is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account, the user inputs to a banking system remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system transmits a remittance amount and the remitter information to an electronic money server. The electronic money server extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server generates amount update information within the remitted amount, and transmits it to a cell phone or an electronic money card, which is identified by the monetary terminal ID.

Abstract: An object is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account, the user inputs to a banking system remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system transmits a remittance amount and the remitter information to an electronic money server. The electronic money server extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server generates amount update information within the remitted amount, and transmits it to a cell phone or an electronic money card, which is identified by the monetary terminal ID.

Abstract: An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account 31, the user inputs to a banking system 3 remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system 3 transmits a remittance amount and the remitter information to an electronic money server 2. The electronic money server 2 extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server 2 generates amount update information within the remitted amount, and transmits it to a cell phone 7 or an electronic money card 15, which is identified by the monetary terminal ID.

Abstract: An information processing apparatus is provided. The information processing apparatus includes an electronic money unit including a processor, a memory configured to store a balance of electronic monetary value, a terminal communication unit configured to receive a first command from an electronic money terminal using a terminal antenna, a mobile communication unit including a phone antenna for mobile communication via a base station; an interface unit configured to receive a second command from an electronic money server through an encrypted connection over the mobile communication; wherein the processor is configured to change the balance of electronic monetary value in response to at least one of the first command and the second command.

Abstract: An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account 31, the user inputs to a banking system 3 remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system 3 transmits a remittance amount and the remitter information to an electronic money server 2. The electronic money server 2 extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server 2 generates amount update information within the remitted amount, and transmits it to a cell phone 7 or an electronic money card 15, which is identified by the monetary terminal ID.

Abstract: A portable terminal has a currency information storage device for storing therein currency information representing a currency value amount as an electronic data. An information processing device uses operational processing information to thereby operationally process a monetary amount of the stored currency information. A request information transmission device transmits, to a server apparatus, request information for requesting the server apparatus to rewrite the electronic data so as to increase the stored currency value amount by credit using the operational processing information. An operational processing information receipt device receives the operational processing information transmitted by the server apparatus in response to the transmitted request information. An input device inputs the received operational processing information into the information processing device.

Abstract: In a monetary information processing method, an amount remitted by a remitter to a financial account in a banking system and monetary terminal identification information identifying a monetary terminal that stores a monetary value are acquired from the banking system. The acquired amount is divided into unit amounts when the acquired amount exceeds a preselected amount. Amount update information is transmitted to the monetary terminal to increase the monetary value by the acquired amount when the acquired amount does not exceed the preselected amount or by any selected one of the unit amounts provided that the acquired amount or the selected unit amount does not exceed an allowable limit previously set for the monetary terminal. The amount acquired from the banking system is decreased by the amount by which the monetary value is increased in accordance with the amount update information.

Abstract: It is an object to increase advertising effectiveness by a synergetic effect between communication using a mobile phone or the like, and an electronic money system. The present embodiment is configured such that an advertisement is transmitted to a user's mobile phone via e-mail, and if the user purchases an article in values based on the advertisement, cashback is performed through the user's mobile phone in values. Thus, giving a feeling of value to the user makes it possible not only to increase advertising effectiveness but also to confirm the advertising effectiveness. If purchasing an article in values according to an advertising mail sent to a mobile phone 3, the user can receive the cashback from an electronic money server 2, thus allowing the user to obtain a feeling of value. Moreover, the electronic money server 2 can know whether or not the user has conducted purchasing activities in accordance with the advertising mail, allowing the advertising effectiveness to be measured and confirmed.

Abstract: An object of the present invention is to, in settlement by electronic money, reduce burden on an electronic money server and enhance convenience for users. The function of generating transaction numbers is transferred from the electronic money server to affiliated store servers, so that the transaction numbers are generated by the affiliated store servers. The transaction numbers are each associated with transaction information calculated in accordance with a calculation rule confidential to third parties, such that the electronic money server can detect the presence of alteration of the transaction information based on the transaction number. Furthermore, at the time of generating a transaction number, a seed, which is time-limited secret information confidential to third parties, is inputted to the calculation rule along with the transaction information and used for calculating the transaction number, whereby it is possible to further enhance the level of security.

Abstract: A function for processing electronic money is installed in a mobile phone 7 provided with a contactless IC chip. At this time, an electronic money member number is written to the contactless IC chip. The user accesses a point site on a point server 10 through a user terminal, and logs in thereto. The user enters the electronic money member number in the point site. The point server 10 transmits a combination of the electronic money member number and the user's point member number to an electronic money server 2. The electronic money server 2 receives the electronic money member number and the point member number from the point server 10, and memorizes them after establishing a linkage therebetween.

Abstract: A function for processing electronic money is installed in a mobile phone 7 provided with a contactless IC chip. At this time, an electronic money member number is written to the contactless IC chip. The user accesses a point site on a point server 10 through a user terminal, and logs in thereto. The user enters the electronic money member number in the point site. The point server 10 transmits a combination of the electronic money member number and the user's point member number to an electronic money server 2. The electronic money server 2 receives the electronic money member number and the point member number from the point server 10, and memorizes them after establishing a linkage therebetween.

Abstract: A function for processing electronic money is installed in a mobile phone 7 provided with a contactless IC chip. At this time, an electronic money member number is written to the contactless IC chip. The user accesses a point site on a point server 10 through a user terminal, and logs in thereto. The user enters the electronic money member number in the point site. The point server 10 transmits a combination of the electronic money member number and the user's point member number to an electronic money server 2. The electronic money server 2 receives the electronic money member number and the point member number from the point server 10, and memorizes them after establishing a linkage therebetween.

Abstract: A mobile terminal device has an information processing unit that processes electronic money information and a storage unit that stores the electronic money information. A receiving unit receives from an electronic money server an electronic money identification (ID), a mobile terminal identification (ID) identifying the mobile terminal device, and a money information processing program for enabling the information processing unit to execute processing of the money information stored in the storage unit. An installation unit installs into the storage unit the money information processing program and the IDs received by the receiving unit. A sending unit sends to the electronic money server information necessary for enabling the electronic money server to provide electronic money service, the necessary information being sent to the electronic server before the receiving unit receives the money information processing and the IDs.

Abstract: It is an object to increase advertising effectiveness by a synergetic effect between communication using a mobile phone or the like, and an electronic money system. The present embodiment is configured such that an advertisement is transmitted to a user's mobile phone via e-mail, and if the user purchases an article in values based on the advertisement, cashback is performed through the user's mobile phone in values. Thus, giving a feeling of value to the user makes it possible not only to increase advertising effectiveness but also to confirm the advertising effectiveness. If purchasing an article in values according to an advertising mail sent to a mobile phone 3, the user can receive the cashback from an electronic money server 2, thus allowing the user to obtain a feeling of value. Moreover, the electronic money server 2 can know whether or not the user has conducted purchasing activities in accordance with the advertising mail, allowing the advertising effectiveness to be measured and confirmed.

Abstract: An object of the present invention is to, in settlement by electronic money, reduce burden on an electronic money server and enhance convenience for users. The function of generating transaction numbers is transferred from the electronic money server to affiliated store servers, so that the transaction numbers are generated by the affiliated store servers. The transaction numbers are each associated with transaction information calculated in accordance with a calculation rule confidential to third parties, such that the electronic money server can detect the presence of alteration of the transaction information based on the transaction number. Furthermore, at the time of generating a transaction number, a seed, which is time-limited secret information confidential to third parties, is inputted to the calculation rule along with the transaction information and used for calculating the transaction number, whereby it is possible to further enhance the level of security.

Abstract: An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account 31, the user inputs to a banking system 3 remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system 3 transmits a remittance amount and the remitter information to an electronic money server 2. The electronic money server 2 extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server 2 generates amount update information within the remitted amount, and transmits it to a cell phone 7 or an electronic money card 15, which is identified by the monetary terminal ID.

Abstract: A function for processing electronic money is installed in a mobile phone 7 provided with a contactless IC chip. At this time, an electronic money member number is written to the contactless IC chip. The user accesses a point site on a point server 10 through a user terminal, and logs in thereto. The user enters the electronic money member number in the point site. The point server 10 transmits a combination of the electronic money member number and the user's point member number to an electronic money server 2. The electronic money server 2 receives the electronic money member number and the point member number from the point server 10, and memorizes them after establishing a linkage therebetween.

Abstract: A portable telephone (7) comprises a telephone function part (10) having a voice communications function and an Internet connecting function, and an electronic money function part (12) configured to conduct VALUE storage and VALUE handling. The telephone function part (10) is capable of accessing to a service site of an electronic money server (2) via Internet (4). Request by a user from the telephone function part (10) to the service site of the electronic money server (2) for VALUE entering, causes the electronic money server (2) to transmit an entering command to the portable telephone (7) for causing the electronic money function part (12) to execute VALUE entering. The electronic money function part (12) inputs the entering command in the electronic money function part (12) thereby causing the electronic money function part (12) to conduct an entering procedure.

Abstract: It is an object to provide a mobile terminal device, such as a mobile phone using electronic-money service, in which information is easily managed upon installing a value processing function to the mobile terminal device. An IC chip for non-contact IC card is installed to a mobile phone 7 having an Internet access function. At the selling time of the mobile phone 7, an application program is not installed in the IC chip. A user purchases the mobile phone 7, thereafter, accesses an electronic-money server 2 from the mobile phone 7, and installs a value processing program to the IC chip. The electronic-money server 2 and the mobile phone 7 are cooperated and install the value processing function. In the installing processing, the mobile phone 7 receives secret information from the electronic-money server 2 for the purpose of ensuring the security, and installs the information to the IC chip.