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Electronic settlement method and electronic money recording medium and processing device

A technology for electronic money and recording media, which is applied in the direction of electronic digital data processing, data processing applications, special data processing applications, etc., to achieve the effect of increasing demand

Inactive Publication Date: 2005-12-07
PANASONIC CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In addition, when using tax rebates, etc., if you can induce consumption that is several times the amount of the tax reduction, the consumer market will further prosper.

Method used

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  • Electronic settlement method and electronic money recording medium and processing device
  • Electronic settlement method and electronic money recording medium and processing device
  • Electronic settlement method and electronic money recording medium and processing device

Examples

Experimental program
Comparison scheme
Effect test

no. 1 Embodiment approach

[0042] 1. System composition

[0043] The electronic money used in the electronic money system according to the present invention is money whose currency value decreases (depreciates) according to the number of days passed from a predetermined base date. When this gradually decreasing electronic currency is paid to the consumer, the consumer's mental activity of wanting to spend it at the time when its value is at its highest, that is, within the earliest possible period after payment, is bound to play a role. Therefore, the rate of consumption is increased without storing such electronic money. That is to say, since it arouses consumers' desire to purchase commodities and improves the circulation of electronic money in the market, demand should be increased. In this way, economic prosperity can be expected.

[0044] Now, use figure 1The structure of the electronic money system of the present invention will be described. In addition, in the following description, electron...

no. 2 Embodiment approach

[0098] Next, another embodiment of the electronic money system according to the present invention will be described. In this embodiment, the settlement process is performed using depreciated electronic money deposited into a bank account without using an IC card.

[0099] Figure 6 The structure of the electronic money system of this embodiment is shown. The checkout device 81 of this embodiment has a processing unit 82 and a storage unit 83 . The storage unit 83 stores the following information 83a to 83g.

[0100] Authentication information (83a): user authentication information.

[0101] Current account balance information (83b): information showing the balance of the bank's current account.

[0102] Reduced discount deposit balance information (83c): Information showing the balance of the reduced discount deposit account of the bank.

[0103] Price reduction rate information ( 83d ): information showing a price reduction rate when the price of the electronic currency ...

no. 3 Embodiment approach

[0120] Next, another example of the utilization mode of the gradually depreciated electronic money described above will be described. Specifically, a case will be described in which a predetermined amount is paid to an individual as a tax refund by the country using depreciated electronic money.

[0121] exist Figure 11 In this process, the national treasury 100 deposits a predetermined amount of money into the discounted deposit account 94a of the individual C as a tax refund. Individual C purchases goods at the retail store 20 . The retail store 20 requests the bank 90 for the payment. The bank 90 transfers an amount corresponding to the payment request from the discount deposit account 94a and the current deposit account 94b of the individual C to the deposit account 97 of the retail store. In addition, the processing of the settlement device 91 of the bank 90 is the same as that used in the second embodiment. Figure 10 The processing is the same as shown in the flowc...

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Abstract

A settlement method with electronic money in an electronic money system, achieving an economic effect by mentally promoting consumption of the electronic money is provided. When electronic settlement is made using electronic money, the balance of electronic money is reduced at a predetermined rate according to the difference between the predetermined reference date and the settlement date. The reduced balance is made the updated balance of the electronic money to depreciate the electronic money sequentially. From the updated balance of the depreciated electronic money, at least part of the demanded money is paid for settlement.

Description

technical field [0001] The present invention relates to a payment method in an electronic money system including electronic money in a broad sense that records denominations representing exchange values ​​in electronic form and can be used for settlement accounts in electronic business transactions. Background technique [0002] In recent years, electronic money in which the amount of tickets that can be used is electronically stored in an IC memory card or the like as money has been devised and spread. Regarding electronic money systems, various techniques have been conceived (for example, refer to Reference 1). [0003] exist Figure 12 In , the prior art system configuration consisting of a memory card for storing electronic money and its processing device is shown. The IC card 1a has an encryption processing unit 12 for encrypting and outputting data such as user authentication data and electronic money balance, and a memory 14 for storing the amount (value) of electron...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/34G06Q20/40G07F7/08G07F7/10
CPCG06Q20/4014G06Q20/102G06Q20/341G06Q20/105G07F7/1008
Inventor 田中伸一
Owner PANASONIC CORP
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