System, server and method

Abstract

To select an electronic money settlement service desired to be used among a plurality of electronic money settlement services without being restricted by a balance.SOLUTION: The system includes acquiring means S114, S208 for acquiring first electronic money mainly managed on the user terminal 2 side, second electronic money mainly managed on the server 1 side, the balance of the first electronic money from the first storage means of the user terminal 2 and the balance of the second electronic money from the second storage means of the server 1, designation receiving means for receiving designation of a transfer direction and designation of an amount to be transferred, calculating means S210 for calculating a post-transfer balance of one electronic money obtained by subtracting the amount from the balance of the one electronic money and a post-transfer balance of the other electronic money obtained by adding the amount to the balance of the other electronic money, and updating means S116, S211 for storing the post-transfer balance of the first electronic money in the first storage means and storing the post-transfer balance of the second electronic money in the second storage means.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a system, a server and a method. [Background technology]

[0002] Conventionally, multiple electronic money payment services have been available using a mobile terminal such as a smartphone. When using such multiple electronic money payment services, a user selects the one they wish to use for payment from the multiple electronic money payment services registered on the mobile terminal at the time of payment. In this regard, as described in Patent Document 1, for example, it has been proposed that when using an image forming device (e.g., a copy machine) in a store, the multiple electronic money payment services registered on the user's mobile terminal and their remaining balances are displayed on an operation panel. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2024-047673 Summary of the Invention [Problem to be solved by the invention]

[0004] However, even with the above-mentioned technology, if the balance of the electronic money that the user wants to use for payment is not enough to cover the payment amount, the user is forced to use another electronic money.

[0005] In view of the above problems, the present invention aims to provide a system, server and method that allows a user to select the electronic money payment service they wish to use from multiple electronic money payment services without being restricted by their balance. [Means for solving the problem]

[0006] The above object of the present invention can be achieved by the following means: Note that the parentheses indicate reference symbols of embodiments to be described later, but the present invention is not limited to these.

[0007] The system according to claim 1 comprises: A system including a server (for example, server 1 shown in FIG. 1) and a user terminal (for example, user terminal 2 shown in FIG. 1), First electronic money (for example, electronic money A table tbl_MoneyA shown in FIG. 2(a)) that is primarily managed on the user terminal (for example, user terminal 2 shown in FIG. 1), Second electronic money (for example, electronic money B table tbl_MoneyB shown in FIG. 2(b)) that is primarily managed on the server side (for example, server 1 shown in FIG. 1), an acquisition means (e.g., steps S114 and S208 shown in FIG. 4) for acquiring the balance of the first electronic money (e.g., balance tbl_MoneyA2 shown in FIG. 2(a)) from a first storage means (e.g., IC chip 26 shown in FIG. 1) of the user terminal, and acquiring the balance of the second electronic money (e.g., balance tbl_MoneyB4 shown in FIG. 2(b)) from a second storage means (e.g., database 12 shown in FIG. 1) of the server; a designation receiving means (e.g., steps S106, S108, S110 shown in FIG. 3) for receiving, from the user, designation of the transfer direction (e.g., transfer direction 43 shown in FIG. 6(b) or transfer direction 54 shown in FIG. 7(c)) and designation of the amount to be transferred (e.g., transfer amount 42 shown in FIG. 6(b) or transfer amount 55 shown in FIG. 7(c)), i.e., whether the balance is to be transferred from the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) or from the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)), and designation of the amount to be transferred (e.g., transfer amount 42 shown in FIG. 6(b) or transfer amount 55 shown in FIG. 7(c)); a calculation means (e.g., step S210 shown in FIG. 4) for calculating a post-transfer balance of one of the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) obtained by the acquisition means (e.g., steps S114 and S208 shown in FIG. 4) by subtracting the amount from the balance of the other electronic money, and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money, in accordance with a designation received by the designation receiving means (e.g., steps S106, S108, and S110 shown in FIG. 3); updating means (for example, steps S116 and S211 shown in FIG. 4) for storing the post-transfer balance of the first electronic money (for example, the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (for example, the IC chip 26 shown in FIG. 1) and for storing the post-transfer balance of the second electronic money (for example, the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (for example, the database 12 shown in FIG. 1); The present invention is characterized by comprising:

[0008] The system according to claim 2 is the system according to claim 1, The first storage means (for example, the IC chip 26 shown in FIG. 1) is an IC chip (for example, the IC chip 26 shown in FIG. 1) built into the user terminal (for example, the user terminal 2 shown in FIG. 1), The second storage means (for example, database 12 shown in FIG. 1) is a storage means of the server (for example, server 1 shown in FIG. 1).

[0009] The system according to claim 3 is the system according to claim 1, further comprising: initial balance display means (e.g., step S104 shown in FIG. 3) that displays (e.g., display unit 24 shown in FIG. 5) the balance of the first electronic money (e.g., balance 33 of electronic money A shown in FIG. 5) and the balance of the second electronic money (e.g., balance 35 of electronic money B shown in FIG. 5) before updating by the update means (e.g., steps S116 and S211 shown in FIG. 4) on the user terminal (e.g., user terminal 2 shown in FIG. 1); The system is characterized by comprising a post-transfer balance display means (e.g., step S118 shown in FIG. 4) that displays (e.g., display unit 24 shown in FIG. 8) the post-transfer balance of the first electronic money (e.g., post-transfer balance 61 of electronic money A shown in FIG. 8) and the post-transfer balance of the second electronic money (e.g., post-transfer balance 62 of electronic money B shown in FIG. 8) on the user terminal (e.g., user terminal 2 shown in FIG. 1) after updating by the update means (e.g., steps S116 and S211 shown in FIG. 4).

[0010] The system according to claim 4 is the system according to claim 3, The initial balance display means (e.g., step S104 shown in FIG. 3) further displays the sum (e.g., total balance 31 shown in FIG. 5) of the balance of the first electronic money (e.g., balance 33 of electronic money A shown in FIG. 5) and the balance of the second electronic money (e.g., balance 35 of electronic money B shown in FIG. 5) on the user terminal (e.g., user terminal 2 shown in FIG. 1), The post-transfer balance display means (e.g., step S118 shown in Figure 4) is further characterized in that it displays the sum (e.g., total balance 31 shown in Figure 8) of the post-transfer balance of the first electronic money (e.g., post-transfer balance 61 of electronic money A shown in Figure 8) and the post-transfer balance of the second electronic money (e.g., post-transfer balance 62 of electronic money B shown in Figure 8) on the user terminal (e.g., user terminal 2 shown in Figure 1).

[0011] The system according to claim 5 is the system according to claim 3, The initial balance display means (e.g., step S104 shown in FIG. 3) displays the acquired balance of the first electronic money (e.g., balance 33 of electronic money A shown in FIG. 5) and the acquired balance of the second electronic money (e.g., balance 35 of electronic money B shown in FIG. 5) on one screen (e.g., display unit 24 shown in FIG. 5) of the user terminal (e.g., user terminal 2 shown in FIG. 1), When a user performs a first operation (for example, step S105: slide shown in FIG. 3) using the user terminal (for example, the user terminal 2 shown in FIG. 1), a predetermined amount of money is transferred from the first electronic money (for example, the electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (for example, the electronic money B table tbl_MoneyB shown in FIG. 2(b)) or from the second electronic money (for example, the electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (for example, the electronic money A table tbl_MoneyA shown in FIG. 2(a)) in accordance with the first operation (for example, see FIGS. 6(a) and 6(b)). When a user performs a second operation (e.g., tap in step S105 shown in FIG. 3) using the user terminal (e.g., user terminal 2 shown in FIG. 1), the amount specified by the user is transferred from the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)), or from the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) (see, e.g., FIGS. 7(a) to 7(c)).

[0012] The server according to claim 6 (for example, the server 1 shown in FIG. 1) an acquiring means (e.g., step S208 shown in FIG. 4) for acquiring the balance (e.g., balance tbl_MoneyA2 shown in FIG. 2(a)) of first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) which is mainly managed on the user terminal (e.g., user terminal 2 shown in FIG. 1) side from a first storage means (e.g., IC chip 26 shown in FIG. 1) of the user terminal, and acquiring the balance (e.g., balance tbl_MoneyB4 shown in FIG. 2(b)) of second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) which is mainly managed on the server (e.g., server 1 shown in FIG. 1) side from a second storage means (e.g., database 12 shown in FIG. 1) of the server; a designation receiving means (e.g., step S208 shown in FIG. 4) for receiving, from the user terminal (e.g., user terminal 2 shown in FIG. 1), a designation of a transfer direction (e.g., transfer direction 43 shown in FIG. 6(b) or transfer direction 54 shown in FIG. 7(c)), i.e., whether to transfer a balance from the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) or to transfer a balance from the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)), and a designation of an amount to be transferred (e.g., transfer amount 42 shown in FIG. 6(b) or transfer amount 55 shown in FIG. 7(c)); a calculation means (e.g., step S210 shown in FIG. 4) for calculating a post-transfer balance of one of the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) acquired by the acquisition means (e.g., step S208 shown in FIG. 4) by subtracting the amount from the balance of the other electronic money and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money, in accordance with a designation received by the designation receiving means (e.g., step S208 shown in FIG. 4); updating means (for example, steps S211 and S214 shown in FIG. 4) for storing the post-transfer balance of the first electronic money (for example, the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (for example, the IC chip 26 shown in FIG. 1) and for storing the post-transfer balance of the second electronic money (for example, the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (for example, the database 12 shown in FIG. 1); The present invention is characterized by comprising:

[0013] The method according to claim 7, A method executed in a system including a server (e.g., server 1 shown in FIG. 1) and a user terminal (e.g., user terminal 2 shown in FIG. 1), a step of obtaining the balance (e.g., balance tbl_MoneyA2 shown in FIG. 2(a)) of the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) which is mainly managed on the user terminal (e.g., user terminal 2 shown in FIG. 1) side from a first storage means (e.g., IC chip 26 shown in FIG. 1) of the user terminal, and obtaining the balance (e.g., balance tbl_MoneyB4 shown in FIG. 2(b)) of the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) which is mainly managed on the server (e.g., server 1 shown in FIG. 1) side from a second storage means (e.g., database 12 shown in FIG. 1) of the server (e.g., steps S114 and S208 shown in FIG. 4); a step (e.g., steps S106, S108, and S110 shown in FIG. 3) in which the user terminal (e.g., the user terminal 2 shown in FIG. 1) accepts from the user a designation of the transfer direction (e.g., transfer direction 43 shown in FIG. 6(b) or transfer direction 54 shown in FIG. 7(c)), i.e., whether to transfer the balance from the first electronic money (e.g., the electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (e.g., the electronic money B table tbl_MoneyB shown in FIG. 2(b)) or to transfer the balance from the second electronic money (e.g., the electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (e.g., the electronic money A table tbl_MoneyA shown in FIG. 2(a)); and a designation of the amount to be transferred (e.g., the amount to be transferred 42 shown in FIG. 6(b) or the amount to be transferred 55 shown in FIG. 7(c)); a step of calculating a post-transfer balance of one of the first electronic money (e.g., electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., electronic money B table tbl_MoneyB shown in FIG. 2(b)) obtained by the obtaining means (e.g., steps S114 and S208 shown in FIG. 4) in response to the received designation by subtracting the amount from the balance of the first electronic money and calculating a post-transfer balance of the second electronic money by adding the amount to the balance of the second electronic money (e.g., step S210 shown in FIG. 4); a step of storing the post-transfer balance of the first electronic money (for example, the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (for example, the IC chip 26 shown in FIG. 1) and storing the post-transfer balance of the second electronic money (for example, the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (for example, the database 12 shown in FIG. 1) (for example, steps S116 and S211 shown in FIG. 4); The present invention is characterized by comprising: [Effects of the Invention]

[0014] Next, the effects of the present invention will be described with reference to the drawings. Note that the reference symbols in parentheses are those of the embodiments described below, but the present invention is not limited to these.

[0015] According to the invention of claims 1, 6 and 7, the user can transfer the balance of the first electronic money (for example, the balance tbl_MoneyA2 shown in Figure 2(a)) owned by the user to the balance of the second electronic money (for example, the balance tbl_MoneyB4 shown in Figure 2(b)), or conversely, the balance of the second electronic money (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) to the balance of the first electronic money (for example, the balance tbl_MoneyA2 shown in Figure 2(a)) by the desired amount.

[0016] Therefore, by transferring the balance, the user can freely change the balance of the first electronic money (for example, balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, balance tbl_MoneyB4 shown in Figure 2(b)) within the range of the total balance (for example, total balance 31 shown in Figures 5 and 8).

[0017] Therefore, according to the present invention, as long as the total balance is within the range (for example, total balance 31 shown in Figures 5 and 8), you can select the electronic money payment service you want to use without being restricted by the balance.

[0018] According to the invention of claim 2, the balance can be transferred even when the balance of the first electronic money (for example, the balance tbl_MoneyA2 shown in Figure 2(a)) is stored in an IC chip built into a user terminal (for example, the user terminal 2 shown in Figure 1) and the balance of the second electronic money (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) is stored in a server (for example, the server 1 shown in Figure 1).

[0019] According to the invention of claim 3, the user can check the balance of the first electronic money (for example, balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, balance tbl_MoneyB4 shown in Figure 2(b)) before and after the transfer.

[0020] According to the invention of claim 4, the user can check the total balance of the first electronic money (for example, balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, balance tbl_MoneyB4 shown in Figure 2(b)) before and after the transfer.

[0021] According to the invention of claim 5, by displaying the balance of the first electronic money (e.g., balance tbl_MoneyA2 shown in FIG. 2(a)) and the balance of the second electronic money (e.g., balance tbl_MoneyB4 shown in FIG. 2(b)) on one screen, the user can easily check the balance of the first electronic money (e.g., balance tbl_MoneyA2 shown in FIG. 2(a)) and the balance of the second electronic money (e.g., balance tbl_MoneyB4 shown in FIG. 2(b)) at a glance. In this state, the user can transfer an amount corresponding to the operation by performing a first operation (e.g., amount to be transferred 42 shown in FIG. 6(b)) without specifying the amount, and can freely specify the amount to be transferred by performing a second operation (e.g., amount to be transferred 55 shown in FIG. 7(c)). This allows the user to transfer an amount by performing a desired operation while checking the amount, making the operation of transferring amounts easier. [Brief explanation of the drawings]

[0022] [Figure 1]1 is a block diagram illustrating an embodiment of a system according to the present invention. [Figure 2] 1A is a diagram illustrating a table for storing information about electronic money A, and FIG. 1B is a diagram illustrating a table for storing information about electronic money B. FIG. [Figure 3] FIG. 10 is a flowchart illustrating an example of use of the system according to the embodiment. [Figure 4] FIG. 10 is a flowchart illustrating an example of use of the system according to the embodiment. [Figure 5] FIG. 10 is a diagram illustrating a display screen before the balance of electronic money is transferred. [Figure 6] This figure explains the display screen for specifying the transfer of electronic money balance, where (a) is the display screen for specifying the transfer direction and amount, and (b) is the display screen for confirming the transfer direction and amount. [Figure 7] This figure explains the display screen for specifying the transfer of electronic money balance, where (a) and (b) are display screens for specifying the direction of transfer, and (c) is a display screen for specifying the amount to transfer. [Figure 8] FIG. 10 is a diagram illustrating a display screen after the balance of electronic money has been transferred. DETAILED DESCRIPTION OF THE INVENTION

[0023] An embodiment of the system according to the present invention will be described in detail below with reference to the drawings. In the following description, when directions such as up, down, left, and right are indicated, they refer to the up, down, left, and right directions when viewed from the front of the illustration.

[0024] <System Overview> In this embodiment, as shown in Fig. 1, a server 1 and a user terminal 2 are connected via a network N. Each component will be described below.

[0025] <Server description> As shown in Figure 1, the server 1 is composed of a data processing unit 10 that processes various types of data, a communication unit 11 that can connect to a network N via communication means such as wireless LAN, wired LAN, or dial-up, and a database 12.

[0026] The processing performed by the data processing unit 10 shown in Fig. 1 is mainly a balance transfer process 10a and an authentication process 10b (see Figs. 3 and 4). The balance transfer process 10a is a process for transferring a balance between electronic money A (electronic money A table tbl_MoneyA (see Fig. 2(a))) provided by one electronic money payment service and electronic money B (electronic money B table tbl_MoneyB (see Fig. 2(b))) provided by another electronic money payment service. On the other hand, the authentication process 10b is a process for generating and verifying various tokens, which will be described later, in relation to the balance transfer. The generation and verification of tokens can be performed by conventionally known methods, and therefore a description thereof will be omitted.

[0027] The database 12 of the server 1 shown in FIG. 1 stores an electronic money B table tbl_MoneyB shown in FIG. 2(b).

[0028] The electronic money B table tbl_MoneyB (see Figure 2(b)) stores the name, balance, etc. of each user of electronic money B. More specifically, as shown in Figure 2(b), the electronic money B table tbl_MoneyB stores user ID tbl_MoneyB1, telephone number tbl_MoneyB2, name tbl_MoneyB3, balance tbl_MoneyB4, transaction history tbl_MoneyB5, and balance transfer status tbl_MoneyB6. User ID tbl_MoneyB1 is the identifier of the user who owns electronic money B. Telephone number tbl_MoneyB2 is the user's telephone number. Name tbl_MoneyB3 is the name of the user who owns electronic money B. Balance tbl_MoneyB4 is the user's balance of electronic money B. Transaction history tbl_MoneyB5 records the history of when a user pays, charges, or transfers electronic money B. The balance transfer status tbl_MoneyB6 stores the state transition of the balance transfer process.

[0029] The electronic money B table tbl_MoneyB (see FIG. 2(b)) is primarily managed by the server 1. Therefore, the server 1 can also provide payment services such as payments and topping up the balance by referring to and updating the electronic money B table tbl_MoneyB (see FIG. 2(a)). Such payment services can be provided by conventionally known methods, and a description thereof will be omitted, but examples include PayPay (registered trademark) and auPAY (registered trademark).

[0030] <User device description> The user terminal 2 is configured with a terminal device such as a smartphone, a mobile phone, or the like, such as an iPhone (registered trademark) or an iPad (registered trademark). Specifically, as shown in Fig. 1, the user terminal 2 is configured with a CPU 20, an input unit 21 that can input predetermined data to the user terminal 2 from a touch panel or the like, a ROM 22 that is a writable flash ROM or the like that stores programs, etc., of an application 22a (see Fig. 1) used in the system according to this embodiment, a RAM 23 that functions as a work area, a buffer memory, etc., a display unit 24 that can display a display screen (see Figs. 5 to 8) related to the system according to this embodiment, a communication unit 25 that can connect to a network N by communication means such as a wireless LAN, and an IC chip 26.

[0031] The IC chip 26 shown in Fig. 1 is hardware capable of communication according to the NFC (Near Field Communication) standard. This allows the user to use the user terminal 2 in place of an IC card for electronic money payment services. Such payment services can be performed using conventionally known methods, and explanations will be omitted, but examples include ICOCA (registered trademark) and PASMO (registered trademark).

[0032] The IC chip 26 shown in Fig. 1 stores information about electronic money A owned by the user as an electronic money A table tbl_MoneyA shown in Fig. 2(a). This electronic money A table tbl_MoneyA (see Fig. 2(b)) is primarily managed by the user terminal 2.

[0033] More specifically, this electronic money A table tbl_MoneyA (see Figure 2(a)) stores IDtbl_MoneyA1, balance tbl_MoneyA2, and transaction history tbl_MoneyA3. IDtbl_MoneyA1 is an identifier for electronic money A assigned to each user. Balance tbl_MoneyA2 is the balance of electronic money A. Transaction history tbl_MoneyA3 records the history of when a user pays, charges, or transfers electronic money A.

[0034] When transferring the balance, the user terminal 2 refers to and updates the electronic money A table tbl_MoneyA (see Figure 2(a)) stored in the IC chip 26, and locks and enables writing to the IC chip 26. However, since such processing can be performed using conventionally known methods, explanations thereof will be omitted.

[0035] Here, we will briefly explain the operation of the system according to this embodiment configured as described above. The user launches the application 22a pre-installed on the user terminal 2. The application 22a is linked to electronic money A and B, and the respective balances are displayed on the display screen (see FIG. 5). For example, if the user wishes to transfer part or all of the balance of electronic money A to electronic money B, the user specifies the direction of transfer (e.g., from electronic money B to electronic money A, see FIGS. 6(a) and 7(a)(b)) and the amount to be transferred (e.g., 2,000 yen, see FIGS. 6(a) and 7(c)). Following this instruction, the balances in the electronic money B table tbl_MoneyB stored on the server 1 and the electronic money A table tbl_MoneyA stored on the IC chip 26 of the user terminal 2 are updated, thereby transferring the balances (see FIG. 8). The system according to this embodiment, in brief, operates as described above.

[0036] <Explanation of system processing> Next, the processing contents of the system shown in this embodiment will be described in detail with reference to the flowcharts shown in FIGS.

[0037] <Preparation> First, as a preparation, the user installs the application 22a (see FIG. 1) into the user terminal 2. This causes the application 22a to be saved in the ROM 22 (see FIG. 1). Then, when the user taps the "Issue" button (not shown) displayed on the display unit 24 by the application 22a, an identification number of electronic money A is assigned to the user terminal 2, which stores this in the electronic money A table tbl_MoneyA shown in FIG. 2(a) in the IC chip 26 (see FIG. 1) (see "ID" in FIG. 2(a)). This allows the user to use the electronic money A via the application 22a, and the application 22a and the electronic money A are linked.

[0038] Meanwhile, the user enters into a contract with the payment service for electronic money B via application 22a (see FIG. 1) of the user terminal 2. As a result, a record of the user is created in the electronic money B table tbl_MoneyB (see FIG. 2(b)) of the server 1. Then, electronic money B becomes available via application 22a, and application 22a and electronic money B are linked. At this time, information necessary for obtaining an access token, such as user ID "456123" (see user ID tbl_MoneyB1 in FIG. 2(a)), is stored in ROM 22 (see FIG. 1).

[0039] <Starting the app> The user activates the application 22a (see FIG. 1) by, for example, tapping an icon on the user terminal 2. As a result, the CPU 20 of the user terminal 2 (hereinafter simply referred to as the user terminal 2) loads the application 22a from the ROM 22 to the RAM 23 and starts processing. The user terminal 2 then requests an access token from the server 1 and transmits the user ID "456123" and the like stored in the ROM 22 (see FIG. 1) (step S100). The data processing unit 10 of the server 1 (hereinafter simply referred to as the server 1) verifies the information received from the user terminal 2 together with the access token request, and then transmits the access token to the user terminal 2 (step S200). The user terminal 2 temporarily stores the received access token in the RAM 23. The access token includes the user ID "456123" (see user IDtbl_MoneyB1 in FIG. 2(a)) in its payload.

[0040] Next, the user terminal 2 requests a member's token from the server 1 (step S101). More specifically, the user terminal 2 reads out the access token stored in the RAM 23. Then, the user terminal 2 requests a member's token from the server 1 and transmits the access token to the server 1.

[0041] Next, the server 1 issues a member's token (step S201). More specifically, the server 1 verifies the validity of the access token received together with the member's token request through the authentication process 10b (see FIG. 3). If the access token is verified to be valid, the server 1 sends the member's token to the user terminal 2. The member's token includes the user ID "456123" (see user IDtbl_MoneyB1 in FIG. 2(a)) in its payload. Upon receiving the member's token, the user terminal 2 temporarily stores it in RAM 23.

[0042] Next, the user terminal 2 obtains the balance of electronic money A from the IC chip 26 (see FIG. 1) (step S102). More specifically, the user terminal 2 reads the balance tbl_MoneyA2 "20,000 yen" from the electronic money A table tbl_MoneyA (see FIG. 2(a)) stored in the IC chip 26 (see FIG. 1), and temporarily stores it in RAM 23 (see FIG. 1).

[0043] Next, the user terminal 2 requests the balance of electronic money B from the server 1 (step S103). More specifically, the user terminal 2 reads the member's token from RAM 23 (see FIG. 1). Then, the user terminal 2 requests the balance from the server 1 and transmits the member's token to the server 1.

[0044] Next, the server 1 verifies the member token (step S202). More specifically, when the server 1 receives a balance request from the user terminal 2, the server 1 verifies the validity of the member token received together with the balance request through the authentication process 10b (see FIG. 3). If the server 1 can verify that the member token is valid, the server 1 notifies the balance transfer process 10a (see FIG. 3) of this fact from the authentication process 10b (see FIG. 3).

[0045] Next, the server 1 transmits the balance of electronic money B (step S203). More specifically, the server 1 uses the balance transfer process 10a (see FIG. 3) to refer to the electronic money B table tbl_MoneyB (see FIG. 2(b)) for the user record corresponding to the user ID "456123" included in the payload of the member's token. Then, the server 1 uses the balance transfer process 10a (see FIG. 3) to transmit to the user terminal 2 the balance tbl_MoneyB4 "30,000 yen" (see FIG. 2(b)) corresponding to the searched user ID tbl_MoneyB1 "456123" (see FIG. 2(b)). The user terminal 2 temporarily stores the received information in RAM 23 (see FIG. 1).

[0046] Next, the user terminal 2 displays a screen for accepting a balance transfer operation from the user (step S104). More specifically, as shown in Fig. 5, the user terminal 2 reads out the balance of electronic money A (balance tbl_MoneyA2 shown in Fig. 2(a)) and the balance of electronic money B (balance tbl_MoneyB4 shown in Fig. 2(b)) temporarily stored in the RAM 23 (see Fig. 1), and displays them on the display unit 24.

[0047] Here, the display unit 24 of the user terminal 2 shown in Fig. 5 will be described. On the display unit 24, an icon 32 for electronic money A and an icon 34 for electronic money B are displayed side by side. Below the icon 32 for electronic money A, the balance of electronic money A, "20,000" (see balance tbl_MoneyA2 shown in Fig. 2(a)), is displayed, and below the icon 34 for electronic money B, the balance of electronic money B, "30,000" (see balance tbl_MoneyB4 shown in Fig. 2(b)), is displayed. Furthermore, above the icon 32 for electronic money A (see Fig. 5) and the icon 34 for electronic money B (see Fig. 5), the total balance 31 ("50,000" in the figure), which is the sum of the balances of electronic money A and electronic money B, is displayed (see Fig. 5).

[0048] <Designated reception> Next, the user terminal 2 waits for an operation by the user (step S105). At this time, when the user slides the button 37a on the display unit 24 (see FIG. 1) (step S105: slide) and when the user taps the display unit 24 (see FIG. 1) (step S105: tap), the operation to specify the direction of transfer (whether to transfer the balance from electronic money A to electronic money B or from electronic money B to electronic money A) and the amount to be transferred differs.

[0049] First, the process when the user slides the display unit 24 (see FIG. 1) (step S105: slide) will be described.

[0050] The user terminal 2 first displays a designation screen for slide operation shown in FIG. 6(a) (step S106). More specifically, first, on the screen for accepting a balance transfer operation shown in FIG. 5, the user terminal 2 detects when the user starts to slide the button 37a on the display unit 24 (see FIG. 1) along the arrow 36 to the left, i.e., toward the icon 32 of electronic money A. The user terminal 2 recognizes this operation as an instruction for the transfer direction, that is, to transfer the balance from electronic money B to electronic money A. Note that if the user starts to slide the button 37a along the arrow 36 to the right, i.e., toward the icon 34 of electronic money B, the user terminal 2 recognizes this operation as an instruction for the transfer direction, that is, to transfer the balance from electronic money A to electronic money B.

[0051] Then, as shown in Figure 6(a), the user terminal 2 recognizes the instruction for the transfer direction and displays a display 41a of "+2,000" below the icon 32 of electronic money A, and a display 41b of "-2,000" below the icon 34 of electronic money B. This means that 2,000 yen will be added to the balance of electronic money A and 2,000 yen will be subtracted from the balance of electronic money B.

[0052] Note that this 2,000 yen amount changes at regular intervals from the time the user starts sliding button 37a until they release their finger. For example, the "+2,000" display 41a for electronic money A adds 1,000 yen every 0.5 seconds from the time the user starts sliding button 37a until they release their finger, changing the display to "+3,000" and "+4,000." Meanwhile, the "-2,000" display 41b for electronic money B similarly subtracts 1,000 yen every 0.5 seconds, changing the display to "-3,000" and "-4,000." In other words, when the user slides button 37a (see FIG. 5), the amount changes by a predetermined amount in response to the sliding operation.

[0053] Next, the user terminal 2 displays a confirmation screen (step S107). More specifically, as shown in FIG. 6(b), the user terminal 2 displays the transfer amount 42 (in the illustration, "2,000 yen") and the transfer direction 43 (in the illustration, "A←B") on the display unit 24. Then, below these displays, a "Transfer" button 44a and a "Cancel" button 44b are displayed. In this way, the user terminal 2 prompts the user to confirm the content of the transfer instruction received on the display screen shown in FIG. 6(a). After confirming the content of the instruction, the user taps the "Transfer" button 44a or the like. Note that tapping the "Cancel" button 44b or the like will return to the previous display screen (see FIG. 5).

[0054] At this time, the user terminal 2 temporarily stores in the RAM 23 the amount of money to be transferred 42 ("2,000 yen") and the direction of transfer 43 ("A←B").

[0055] Next, a process when the user taps the button 37a on the display unit 24 (see FIG. 1) (Step S105: Tap) will be described.

[0056] First, the user terminal 2 displays a designation screen for a tap operation shown in FIG. 7(a) (step S108). More specifically, first, when the user taps button 37a on the display unit 24 (see FIG. 1) on the screen for accepting a balance transfer operation shown in FIG. 5, the user terminal 2 detects this. Then, the user terminal 2 receives this operation and displays a designation screen for a tap operation on the display unit 24 as shown in FIG. 7(a). Regarding the screen shown in FIG. 7(a), an icon 51a for electronic money A and an icon 51b for electronic money B are displayed, with a right-pointing arrow 52a displayed between them. This right-pointing arrow 52a indicates that the balance will be transferred from electronic money A to electronic money B. If one wishes to transfer the balance in the opposite direction, that is, from electronic money B to electronic money A, one taps the right-pointing arrow 52a (see FIG. 7(a)). This changes to a left-pointing arrow 52b as shown in FIG. 7(b), and the balance will be transferred from electronic money B to electronic money A. Once the user has specified the direction of transition using the right-pointing arrow 52a or the left-pointing arrow 52b, the user can tap the "OK" button 53a (see Figures 7(a) and 7(b)) or the like. Note that if the user taps the "Cancel" button 53b (see Figures 7(a) and 7(b)) or the like, the previous display screen (see Figure 5) will be displayed again.

[0057] Next, the user terminal 2 obtains the balance of electronic money A from the IC chip 26 (step S109). Although the balance of electronic money A was obtained from the IC chip 26 in step S102, the reason for obtaining it again here is as follows. The user terminal 2 may have a predetermined payment app (e.g., Apple Pay (registered trademark)) installed in addition to the app 22a. In that case, it is possible to make a payment using electronic money A using that app. Therefore, if a payment or the like is made with electronic money A using that app after the balance is obtained from the electronic money A table tbl_MoneyA (see FIG. 2(a)) in step S102, the balance will have changed. Therefore, the user terminal 2 again reads the balance tbl_MoneyA2 from the electronic money A table tbl_MoneyA (see FIG. 2(a)) stored in the IC chip 26 (see FIG. 1) and temporarily saves it in RAM 23 (see FIG. 1).

[0058] Next, the user terminal 2 displays a screen for specifying the amount to be transferred (step S110). More specifically, the user terminal 2 first displays the screen shown in FIG. 7(c). Regarding the screen shown in FIG. 7(c), first, the transfer direction 54 specified by the right-pointing arrow 52a (see FIG. 7(a)) and the left-pointing arrow 52b (see FIG. 7(b)) is displayed. Note that the transfer direction 54 shown in FIG. 7(c) indicates that the balance is to be transferred from electronic money B to electronic money A.

[0059] Below the transfer direction 54, a text box for inputting the transfer amount 55 is displayed. This amount can be specified by the user. If the "+1,000" button 56a or the "+5,000" button 56b displayed below the transfer amount 55 is tapped, "1,000 yen" or "5,000 yen" is displayed in the transfer amount 55. On the other hand, when the "All" button 56c is tapped, the amount displayed in the transfer amount 55 differs depending on the display of the transfer direction 54. If the transfer direction 54 indicates transferring the balance from electronic money B to electronic money A, the entire balance of electronic money B temporarily stored in RAM 23 is displayed in the transfer amount 55. Conversely, if the transfer direction 54 indicates transferring the balance from electronic money A to electronic money B, the entire balance of electronic money A temporarily stored in RAM 23 is displayed in the transfer amount 55.

[0060] As shown in FIG. 7(c), a numeric keypad 58 is also displayed, which can be used to directly specify the amount to be transferred in the amount 55.

[0061] That is, when the button 37a (see FIG. 5) is tapped, the amount designated by the user using the "+1,000" button 56a or the like or the numeric keypad 58 is transferred.

[0062] After the user confirms the transfer direction 54 and the transfer amount 55 shown in Fig. 7(c), the user taps the "Transfer" button 57a, etc. Note that if the user taps the "Cancel" button 57b (see Fig. 7(c)), the previous display screen (see Figs. 7(a) and (b)) will be displayed again.

[0063] At this time, the user terminal 2 temporarily stores in the RAM 23 the amount of money to be transferred 42 ("2,000 yen") and the direction of transfer 43 ("A←B").

[0064] Thus, as explained above, by displaying both the balance of electronic money A, "20,000," and the balance of electronic money B, "30,000," on one screen as shown in FIG. 5, the user can easily check the balances of electronic money A and B at a glance. Moreover, the user can select a method of specifying the amount to be transferred (for example, amount to be transferred 42 shown in FIG. 6(b) or amount to be transferred 55 shown in FIG. 7(c)) by selecting a sliding or tapping operation. This allows the user to transfer the amount by performing a desired operation while checking the amount, making the operation of transferring the amount easier.

[0065] <Balance transfer execution> Next, the user terminal 2 requests a member's token (step S111). More specifically, the user terminal 2 requests a member's token and transmits the access token stored in the ROM 22 to the server 1.

[0066] Next, the server 1 issues a member's token (step S204). More specifically, when the server 1 receives a member's token request from the user terminal 2, the server 1 verifies the validity of the access token through the authentication process 10b (see FIG. 4). If the server 1 can verify that the access token is valid, the server 1 sends the member's token to the user terminal 2 through the authentication process 10b (see FIG. 4). Note that, upon receiving this member's token, the user terminal 2 temporarily stores it in RAM 23.

[0067] Next, the user terminal 2 requests a balance transfer token (step S112). More specifically, the user terminal 2 requests an access token and transmits the member token temporarily stored in the RAM 23 to the server 1.

[0068] Next, the server 1 issues a balance transfer token (step S205). More specifically, upon receiving a balance transfer token request from the user terminal 2, the server 1 verifies the validity of the member token through the authentication process 10b (see FIG. 4). If the access token is verified to be valid, the server 1 first references the user record corresponding to the user ID "456123" included in the payload of the access token in the electronic money B table tbl_MoneyB (see FIG. 2(b)). Then, through the balance transfer process 10a (see FIG. 4), the server 1 records "issued," indicating that the balance transfer token has been issued, in the balance transfer status tbl_MoneyB6 (see FIG. 2(b)) corresponding to the searched user ID tbl_MoneyB1 "456123" (see FIG. 2(b)). Then, the server 1 transmits the balance transfer token to the user terminal 2 through the authentication process 10b (see FIG. 4). The balance transfer token includes the user ID "456123" and the balance transfer status "issued" in the payload (see user ID tbl_MoneyB1 and balance transfer status tbl_MoneyB6 in Figure 2(a)). Furthermore, upon receiving this balance transfer token, the user terminal 2 temporarily stores it in RAM 23.

[0069] Next, the user terminal 2 requests chip lock data for the IC chip (step S113). More specifically, the user terminal 2 requests chip lock data for prohibiting writing to the IC chip 26 (see FIG. 1) from the server 1, and also transmits the member token temporarily stored in the RAM 23 to the server 1.

[0070] Next, the server 1 verifies the member's token (step S206). More specifically, when the server 1 receives a chip lock data request from the user terminal 2, the server 1 verifies the validity of the member's token through the authentication process 10b (see FIG. 4). If the server 1 can verify that the member's token is valid, the server 1 notifies the balance transfer process 10a (see FIG. 4) of this fact.

[0071] Next, the server 1 transmits the chip lock data of the IC chip 26 (step S207). More specifically, the balance transfer process 10a of the server 1 (see FIG. 4) transmits the chip lock data to the user terminal 2.

[0072] Next, the user terminal 2 locks the IC chip 26 (step S114). More specifically, the user terminal 2 first reads the balance tbl_MoneyA2 (20,000 yen) (see FIG. 2(a)) of the electronic money A table tbl_MoneyA stored in the IC chip 26 (see FIG. 1) and temporarily stores it in the RAM 23. Then, the user terminal 2 writes the chip lock data received from the server 1 to the IC chip 26 (see FIG. 1). This prohibits writing to the IC chip 26 (see FIG. 1) until the lock release data is written. In other words, the balance tbl_MoneyA2 (see FIG. 2(a)) of electronic money A stored in the IC chip 26 (see FIG. 1) cannot be temporarily changed.

[0073] Next, the user terminal 2 requests a balance transfer (step S115). More specifically, the user terminal 2 requests a balance transfer from the server 1, and also transmits to the server 1 the balance transfer token temporarily stored in RAM 23, the amount to be transferred "2,000 yen" (see transfer amount 42 shown in FIG. 6(b) and transfer amount 55 shown in FIG. 7(c)), and the transfer direction "A←B" (see transfer direction 43 shown in FIG. 6(b) and transfer direction 54 shown in FIG. 7(c)). In addition, the user terminal 2 also transmits the balance tbl_MoneyA2 "20,000 yen" in the electronic money A table tbl_MoneyA (see FIG. 2(a)) that was read immediately before locking the IC chip 26 (see FIG. 1).

[0074] Next, the server 1 inquires about the balance using the balance transfer process 10a (see FIG. 4) (step S208). Specifically, first, the server 1 updates the balance transfer status tbl_MoneyB6 (see FIG. 2(b)) of the electronic money B table tbl_MoneyB from "issued" to "requested" using the balance transfer process 10a (see FIG. 4). If a status other than "issued" is recorded in the balance transfer status tbl_MoneyB6 (see FIG. 2(b)), the server 1 determines that an abnormal state transition has occurred, aborts the balance transfer, and sends an error message to the user terminal 2 to that effect.

[0075] Then, the server 1 passes the balance transfer token received from the user terminal 2 to the authentication process 10b (see FIG. 4) by the balance transfer process 10a (see FIG. 4) and requests verification.

[0076] Next, the server 1 verifies the balance transfer token (step S219). More specifically, the server 1 verifies the validity of the balance transfer token using the authentication process 10b (see FIG. 4). It verifies that the member token is valid. If it is verified as valid, the server 1 notifies the balance transfer process 10a (see FIG. 4) of this fact from the authentication process 10b (see FIG. 4).

[0077] Next, the server 1 calculates the amount to be transferred (step S210). More specifically, since the balance transfer token contains the user ID "456123" in the payload, the server 1 first searches the electronic money B table tbl_MoneyB (see FIG. 2(b)) stored in the database 12 of the server 1 through the balance transfer process 10a (see FIG. 4) for a record in which the user ID tbl_MoneyB1 is "456123." Then, through the balance transfer process 10a (see FIG. 4), the server 1 reads out the balance tbl_MoneyB4 "30,000 yen" (see FIG. 2(b)) corresponding to the searched user ID tbl_MoneyB1 "456123" (see FIG. 2(b)).

[0078] Then, since the amount to be transferred "2,000 yen" and the transfer direction "A←B" are received from user terminal 2, the balance after transfer of electronic money B is calculated as "30,000 yen - 2,000 yen = 28,000 yen." On the other hand, since the balance of electronic money A received from user terminal 2 is "20,000 yen" (see Figure 2(a)), the balance after transfer of electronic money A is calculated as "20,000 yen + 2,000 yen = 22,000 yen."

[0079] Next, the server 1 performs balance transfer (step S211). More specifically, the previously read balance tbl_MoneyB4 "30,000 yen" (see FIG. 2(b)) is updated to the post-transfer balance of electronic money B calculated as above, "28,000 yen."

[0080] Next, the server 1 registers the transaction history (step S212). More specifically, "6 / 7 balance transfer -2000 yen" is added to the transaction history tbl_MoneyB5 of the record in the electronic money B table tbl_MoneyB (see FIG. 2(b)) where the user ID tbl_MoneyB1 is "456123."

[0081] Next, the server 1 requests writing to the IC chip 26 (step S213). More specifically, the server 1 transmits unlock data to the user terminal 2 through the balance transfer process 10a (see FIG. 4) so ​​that the write prohibition on the IC chip 26 (see FIG. 1) can be lifted. Furthermore, the server 1 also transmits to the user terminal 2 the "22,000 yen" that was calculated earlier as the post-transfer balance of electronic money A.

[0082] Next, the user terminal 2 writes the data to the IC chip 26 (step S116). More specifically, first, the user terminal 2 writes the unlock data received from the server 1 to the IC chip 26 (see FIG. 1). This enables the IC chip 26 to accept writing. The user terminal 2 then updates the balance tbl_MoneyA2 of the electronic money A table tbl_MoneyA (see FIG. 2(a)) stored in the IC chip 26 (see FIG. 1) from "20,000 yen" to the post-transfer balance of electronic money A received from the server 1, "22,000 yen." At this time, the user terminal 2 adds "6 / 7 balance transferred 2,000 yen" to the transaction history tbl_MoneyA3 of the electronic money A table tbl_MoneyA (see FIG. 2(a)).

[0083] Next, the user terminal 2 updates the status (step S117). More specifically, the user terminal 2 notifies the server 1 that the balance of electronic money A has been updated.

[0084] Next, the server 1 updates the status (step S214). More specifically, upon receiving notification from the user terminal 2 that the balance has been updated, the server 1 updates the balance transfer status tbl_MoneyB6 (see FIG. 2(b)) in the electronic money B table tbl_MoneyB from "Requested" to "Transferred" through the balance transfer process 10a (see FIG. 4).

[0085] If a status other than "Requested" is recorded, the server 1 determines that an abnormal state transition has occurred, and stops the balance transfer and sends an error message to the user terminal 2 to that effect.

[0086] Finally, the user terminal 2 displays the results (step S118). More specifically, as shown in Fig. 8, the post-transfer balance 61 of electronic money A "22,000" is displayed below the icon 32 of electronic money A, and the post-transfer balance 62 of electronic money B "28,000" is displayed below the icon 34 of electronic money B. Furthermore, the total balance 31 of these electronic money "50,000" is displayed above the icon 32 of electronic money A and the icon 34 of electronic money B.

[0087] According to the present embodiment described above, the user can transfer the desired amount of electronic money A balance tbl_MoneyA2 (see Figure 2(a)) to electronic money B balance tbl_MoneyB4 (see Figure 2(b)), or conversely, electronic money B balance tbl_MoneyB4 (see Figure 2(b)) to electronic money A balance tbl_MoneyA2 (see Figure 2(a)).

[0088] Therefore, by transferring the balance, the user can freely change the balance tbl_MoneyA2 of electronic money A (see Figure 2(a)) and the balance tbl_MoneyB4 of electronic money B (see Figure 2(b)) within the range of the total balance 31 shown in Figures 5 and 8 (in the figure, "50,000" yen).

[0089] As described above, according to this embodiment, as long as the total balance is within the range of the total balance 31 shown in Figures 5 and 8 (in the figure, "50,000" yen), you can select the electronic money A or electronic money B you want to use without being restricted by the balance.

[0090] <Description of Modifications> The system shown in this embodiment is merely an example, and various modifications and variations are possible within the scope of the gist of the present invention as set forth in the claims. For example, in this embodiment, the balance transfer process 10a and the authentication process 10b are executed on one server 1, but they may be executed on separate servers. Also, although the database 12 is located on the same server 1 as the data processing unit 10, it may be located on a separate server.

[0091] In addition, in this embodiment, the server 1 calculates both the post-transfer balance of electronic money A and the post-transfer balance of electronic money B in step S210 shown in Fig. 3 as a calculation means, but this is not limited to this. For example, the post-transfer balance of electronic money A may be calculated by the user terminal 2 in step S116. At this time, the balance before the transfer, the transfer direction, and the transfer amount may be read from RAM 23.

[0092] In addition, in this embodiment, when the user slides the button 37a (see FIG. 5), the amount transferred changes at regular intervals from when the user starts to slide the button 37a until he or she releases his or her finger, but this is not limiting. For example, the amount transferred may be set to a fixed amount regardless of the time from when the user starts to slide the button 37a until he or she releases his or her finger. [Explanation of symbols]

[0093] 1 server 12 Database (second storage means) 2. User terminal 26 IC chip (first storage means) tbl_MoneyA Electronic money A table (first electronic money) tbl_MoneyB Electronic money table B (secondary electronic money) tbl_MoneyA2 Balance tbl_MoneyB4 Balance 43, 54 Transition direction 42, 55 Amount to be transferred 61, 62 Balance after transition

Claims

1. A system comprising a server and a user terminal, First electronic money that is primarily managed on the user terminal side; Second electronic money that is primarily managed on the server side; an acquisition means for acquiring the balance of the first electronic money from a first storage means of the user terminal and acquiring the balance of the second electronic money from a second storage means of the server; a designation receiving means for receiving, from the user, designation of the direction of transfer, i.e., whether to transfer the balance from the first electronic money to the second electronic money or from the second electronic money to the first electronic money, and designation of the amount to be transferred, in the user terminal; a calculation means for calculating a post-transfer balance of one of the first electronic money and the second electronic money acquired by the acquisition means by subtracting the amount from the balance of the other electronic money in response to the designation received by the designation receiving means, and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money; updating means for storing the post-transfer balance of the first electronic money in the first storage means and for storing the post-transfer balance of the second electronic money in the second storage means; A system comprising:

2. the first storage means is an IC chip built into the user terminal, the second storage means is a storage means of the server; The system of claim 1 .

3. moreover, an initial balance display means for displaying the acquired balance of the first electronic money and the balance of the second electronic money on the user terminal; a post-transfer balance display means for displaying the post-transfer balance of the first electronic money and the post-transfer balance of the second electronic money on the user terminal after the update is performed by the update means; The system of claim 1 , comprising:

4. the initial balance display means further causes the user terminal to display the sum of the balance of the first electronic money and the balance of the second electronic money; 4. The system according to claim 3, wherein said post-transfer balance display means further causes said user terminal to display the sum of the post-transfer balance of said first electronic money and the post-transfer balance of said second electronic money.

5. moreover, the initial balance display means displays the acquired balance of the first electronic money and the balance of the second electronic money on one screen of the user terminal; When a user performs a first operation using the user terminal, a predetermined amount of electronic money is transferred from the first electronic money to the second electronic money or from the second electronic money to the first electronic money in accordance with the first operation; The system described in claim 3, wherein when a user performs a second operation using the user terminal, an amount specified by the user is transferred from the first electronic money to the second electronic money, or from the second electronic money to the first electronic money.

6. a server, an acquisition means for acquiring a balance of a first electronic money that is primarily managed on the user terminal side from a first storage means of the user terminal, and acquiring a balance of a second electronic money that is primarily managed on the server side from a second storage means of the server; a designation receiving means for receiving, from the user terminal, a designation of the direction of transfer, i.e., whether the balance is to be transferred from the first electronic money to the second electronic money or from the second electronic money to the first electronic money, and a designation of the amount to be transferred; a calculation means for calculating a post-transfer balance of one of the first electronic money and the second electronic money acquired by the acquisition means by subtracting the amount from the balance of the other electronic money in response to the designation received by the designation receiving means, and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money; updating means for storing the post-transfer balance of the first electronic money in the first storage means and for storing the post-transfer balance of the second electronic money in the second storage means; A server comprising:

7. A method performed in a system comprising a server and a user terminal, a step of acquiring a balance of a first electronic money that is primarily managed on the user terminal side from a first storage means of the user terminal, and acquiring a balance of a second electronic money that is primarily managed on the server side from a second storage means of the server; a step in which the user terminal receives, from the user, a designation of the direction of transfer, i.e., whether to transfer the balance from the first electronic money to the second electronic money or from the second electronic money to the first electronic money, and a designation of the amount to be transferred; calculating a post-transfer balance of one of the first electronic money and the second electronic money obtained by subtracting the amount from the balance of the other electronic money and adding the amount to the balance of the other electronic money in response to the received designation; storing the post-transfer balance of the first electronic money in the first storage means and the post-transfer balance of the second electronic money in the second storage means; A method for providing the above.

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