Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1998-01-06
2000-03-21
Hajec, Donald
Registers
Systems controlled by data bearing records
Credit or identification card systems
235379, 902 25, G06F 1760
Patent
active
060392509
DESCRIPTION:
BRIEF SUMMARY
FIELD OF THE INVENTION
The present invention relates to a method of remitting an electronic money through a communication network, particularly to a system that enables remittance not depending on the conveniences of a receiptor.
BACKGROUND ART
A new banking system is coming into reality, which uses an electronic money being an "electronic data" having the same value as cash. Transferring electric money is carried out in the electronic money system, in which an electronic money information is stored in an exclusive IC card and the electronic money information is sent and received between two IC cards through exclusive equipment and terminals. Such a system is disclosed, for example, in the international application published under PCT as Number: WO 91/16691. In this example, a mutual certification is made directly between IC cards when a transaction occurs.
In the conventional electronic money system, a remitter directly communicates with the other party for remittance (receiptor of the electronic money) through a communication network to set up a communication line between the IC card of the other party and that of the remitter, thus directly remitting an electronic money. Therefore, if the other party is not present, or, although being present, if the other party has not yet set the IC card in the card reader, the communication line between the IC cards of both parties is not set up, which makes impossible of remittance.
The present invention has been made in view of the foregoing circumstances, and it is therefore an object of the invention to provide an electronic money remittance system that enables to remit an electronic money even if a direct communication with the other party for remittance cannot be made.
Another object of the invention is to provide an electronic money remittance system that can easily switch a remittance method into another if an electronic money cannot be sent to the other party for remittance on any reason.
Further, another object of the invention is to provide an electronic money remittance system that can remit an electronic money to the other party by an indirect remittance through a third party, not depending on the conveniences of the other party.
DISCLOSURE OF THE INVENTION
In order to accomplish the foregoing objects, the system according to the invention is provided with an information processing unit (hereunder, referred to as an electronic money server) for temporarily storing an electronic money, which is connected to a communication network. The electronic money server contains at least communication means, electronic money processing means, and storage means. A remittance from a remitter to a receiptor is carried out to be divided into two steps, a remittance from the remitter to the electronic money server and a remittance from the electronic money server to the receiptor.
This electronic money server is installed in an organization that brokers the remittance of an electronic money; for example, a financial institution such as a bank is supposed to provide such a service. This service may be carried out on free of charge, or on a certain charge basis. Important is that the remittance of an electronic money to the electronic money server can be carried out for 24 hours, and the received electronic money can securely be stored to remit to the receiptor or to refund to the remitter.
An IC card carrier, namely, a remitter sends a remittance request to the electronic money server. This remittance request contains a receiptor identifying information such as an electronic mail address or other identifying information. Thereafter, a communication line is set up between the IC card of the remitter and the IC card set in the electronic money server to send an electronic money. The remitted electronic money is stored in the IC card in the electronic money server, and a remitter identifying information such as an electronic mail address of the remitter and a receiptor identifying information are stored in a storage device other than the IC card such as a hard disk.
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Hiroya Masaaki
Ito Atsushi
Cyr Daniel St.
Hajec Donald
Hitachi , Ltd.
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