Electronic payment system, payment apparatus, and terminal...

Details Electronic payment system, payment apparatus, and terminal... Electronic payment system, payment apparatus, and terminal...

2006-03-21

2006-03-21

Stcyr, Daniel (Department: 2876)

Registers

Systems controlled by data bearing records

Banking systems

C235S380000

Reexamination Certificate

active

07014106

ABSTRACT:
An electronic payment system for making electronic money payments for transactions. A payment terminal stores a balance of electronic money for payment on a dealing by electronic money. A demanding terminal communicates with the payment terminal to demand the payment and a payment apparatus communicates with the demanding terminal and stores a balance of electronic money to correspond to an identification number of the payment terminal for allowing settlement on the dealing. The demanding terminal receives from the payment terminal the balance stored in the payment terminal and transmits the balance to the payment apparatus. The payment apparatus detects an improper use by checking the balance stored in the payment terminal, which was received from the demanding terminal, with the balance stored in the payment apparatus. The system of the present invention provides secure and convenient electronic money payment for a user's transaction.

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Department of Justice Canada, Solicitor General Canada, “Electronic Money Laundering: An Environmental Scan,” Oct. 1998, pp. 1-3 and 19-20.

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