System, server and method

Abstract

You can choose which electronic money payment service you want to use from multiple options without being restricted by your balance. [Solution] The system comprises a first electronic money primarily managed on the user terminal 2 side, a second electronic money primarily managed on the server 1 side, an acquisition means S114, S208 for acquiring the balance of the first electronic money from a first storage means of the user terminal and the balance of the second electronic money from the second storage means of the server 1, a designation acceptance means in the user terminal 2 for accepting from the user a designation of the direction of transfer and a designation of the amount to be transferred, a calculation means S210 for calculating the post-transfer balance of one electronic money by subtracting an amount from the balance of the one electronic money and the post-transfer balance of the other electronic money by adding an amount to the balance of the other electronic money in accordance with the designation accepted by the designation acceptance means, and an update 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.

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 can be used using a mobile terminal such as a smartphone. When using such multiple electronic money payment services, a user selects the electronic money payment service that he or she wants to use for payment from the multiple electronic money payment services registered in 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 in the user's mobile terminal and their remaining balances are displayed on an operation panel. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2024-047673 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, even when the above-mentioned techniques are used, if the balance of the electronic money that a user wants to use for payment is not sufficient to cover the amount of the payment, the user is forced to use a different 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 among a number of 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 the embodiments described below, but the present invention is not limited thereto.

[0007] The system according to claim 1 comprises: 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), On the user terminal side (for example, the user terminal 2 shown in FIG. 1) In tube The first electronic money (for example, the electronic money A table tbl_MoneyA shown in FIG. 2(a)) that is managed by the On the server side (for example, server 1 shown in FIG. 1) In tube The second electronic money (for example, the electronic money B table tbl_MoneyB shown in FIG. 2(b)) that is managed by the an acquisition means (e.g., steps S114 and S208 shown in FIG. 4) for acquiring the balance of the first electronic money (e.g., the balance tbl_MoneyA2 shown in FIG. 2(a)) from a first storage means (e.g., the IC chip 26 shown in FIG. 1) of the user terminal and acquiring the balance of the second electronic money (e.g., the balance tbl_MoneyB4 shown in FIG. 2(b)) from a second storage means (e.g., the database 12 shown in FIG. 1) of the server; a designation receiving means (for example, steps S106, S108, S110 shown in FIG. 3) for receiving, from a user, designation of a transfer direction (for example, transfer direction 43 shown in FIG. 6(b) or transfer direction 54 shown in FIG. 7(c)) of whether the balance is to be transferred from the first electronic money (for example, electronic money A table tbl_MoneyA shown in FIG. 2(a)) to the second electronic money (for example, electronic money B table tbl_MoneyB shown in FIG. 2(b)) or from the second electronic money (for example, electronic money B table tbl_MoneyB shown in FIG. 2(b)) to the first electronic money (for example, electronic money A table tbl_MoneyA shown in FIG. 2(a)), and designation of an 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)); 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 in response to a designation received by the designation receiving means (e.g., steps S106, S108, and S110 shown in FIG. 3), and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money; updating means (e.g., steps S116 and S211 shown in FIG. 4) for storing the post-transfer balance of the first electronic money (e.g., the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (e.g., the IC chip 26 shown in FIG. 1) and for storing the post-transfer balance of the second electronic money (e.g., the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (e.g., the database 12 shown in FIG. 1); A system comprising: The first electronic money (e.g., the electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., the electronic money B table tbl_MoneyB shown in FIG. 2(b)) are electronic money provided by different electronic money payment services, The balance stored in the first storage means (for example, the balance tbl_MoneyA2 shown in FIG. 2(a)) is a balance from which the amount of a payment made by the user using the first electronic money is deducted, and is not a balance from which the amount of a payment made by the user using the second electronic money is deducted, The balance stored in the second storage means (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) is characterized in that when the user makes a payment using the second electronic money, the balance is deducted by the amount of the payment, but when the user makes a payment using the first electronic money, the balance is not deducted by the amount of the payment.

[0008] The system according to claim 2 is the system according to claim 1, The first storage means (e.g., IC chip 26 shown in FIG. 1) is an IC chip (e.g., IC chip 26 shown in FIG. 1) built into the user terminal (e.g., user terminal 2 shown in FIG. 1), The second storage means (for example, database 12 shown in FIG. 1) is characterized by being 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: an 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 is performed 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 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 (e.g., step S105: slide shown in FIG. 3) using the user terminal (e.g., the user terminal 2 shown in FIG. 1), a predetermined amount of money is transferred 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 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)) in response to the first operation (e.g., see FIGS. 6(a) and 6(b)). When a user performs a second operation (e.g., tapping at step S105 shown in FIG. 3) using the user terminal (e.g., user terminal 2 shown in FIG. 1), an 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, for example, FIGS. 7(a) to (c)).

[0012] The server according to claim 6 (for example, server 1 shown in FIG. 1) On the user terminal side (for example, the user terminal 2 shown in FIG. 1) In tube The server (for example, server 1 shown in FIG. 1) obtains the balance (for example, balance tbl_MoneyA2 shown in FIG. 2(a)) of the first electronic money (for example, electronic money A table tbl_MoneyA shown in FIG. 2(a)) managed by the user terminal from the first storage means (for example, IC chip 26 shown in FIG. 1) of the user terminal, and In tube 4) for acquiring the balance (for example, the balance tbl_MoneyB4 shown in FIG. 2(b)) of the second electronic money (for example, the electronic money B table tbl_MoneyB shown in FIG. 2(b)) managed by the second electronic money from the second storage means (for example, the database 12 shown in FIG. 1); a designation receiving means (e.g., step S208 shown in FIG. 4) for receiving, from the user terminal (e.g., the 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)) of whether to transfer a 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 a 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 an 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 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 in response to a designation received by the designation receiving means (e.g., step S208 shown in FIG. 4), and a post-transfer balance of the other electronic money by adding the amount to the balance of the other electronic money; updating means (e.g., steps S211 and S214 shown in FIG. 4) for storing the post-transfer balance of the first electronic money (e.g., the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (e.g., the IC chip 26 shown in FIG. 1) and for storing the post-transfer balance of the second electronic money (e.g., the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (e.g., the database 12 shown in FIG. 1); A server comprising: The first electronic money (e.g., the electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., the electronic money B table tbl_MoneyB shown in FIG. 2(b)) are electronic money provided by different electronic money payment services, The balance stored in the first storage means (for example, the balance tbl_MoneyA2 shown in FIG. 2(a)) is , messenger When a user makes a payment using the first electronic money, the amount of the payment is deducted from the balance. When the user makes a payment using the second electronic money, the amount of the payment is not deducted from the balance. The balance stored in the second storage means (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) is characterized in that when the user makes a payment using the second electronic money, the balance is deducted by the amount of the payment, but when the user makes a payment using the first electronic money, the balance is not deducted by the amount of the payment.

[0013] The method according to claim 7 further comprises 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), On the user terminal side (for example, the user terminal 2 shown in FIG. 1) In tube The server (for example, server 1 shown in FIG. 1) obtains the balance (for example, balance tbl_MoneyA2 shown in FIG. 2(a)) of the first electronic money (for example, electronic money A table tbl_MoneyA shown in FIG. 2(a)) managed by the user terminal from the first storage means (for example, IC chip 26 shown in FIG. 1) of the user terminal, and In tube a step of acquiring the balance (for example, the balance tbl_MoneyB4 shown in FIG. 2(b)) of the second electronic money (for example, the electronic money B table tbl_MoneyB shown in FIG. 2(b)) managed by the second electronic money from a second storage means of the server (for example, the database 12 shown in FIG. 1) (for example, steps S114 and S208 shown in FIG. 4); a step (e.g., steps S106, S108, S110 shown in FIG. 3) of the user terminal (e.g., the user terminal 2 shown in FIG. 1) accepting, from the user, a designation of a transfer direction (e.g., transfer direction 43 shown in FIG. 6(b), transfer direction 54 shown in FIG. 7(c)) of whether to transfer a 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 a 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 an amount to be transferred (e.g., the amount to be transferred 42 shown in FIG. 6(b), 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 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 (e.g., step S210 shown in FIG. 4); a step of storing the post-transfer balance of the first electronic money (e.g., the post-transfer balance 61 of electronic money A shown in FIG. 8) in the first storage means (e.g., the IC chip 26 shown in FIG. 1) and storing the post-transfer balance of the second electronic money (e.g., the post-transfer balance 62 of electronic money B shown in FIG. 8) in the second storage means (e.g., the database 12 shown in FIG. 1) (e.g., steps S116 and S211 shown in FIG. 4); A method comprising: The first electronic money (e.g., the electronic money A table tbl_MoneyA shown in FIG. 2(a)) and the second electronic money (e.g., the electronic money B table tbl_MoneyB shown in FIG. 2(b)) are electronic money provided by different electronic money payment services, The balance stored in the first storage means (for example, the balance tbl_MoneyA2 shown in FIG. 2(a)) is a balance from which the amount of a payment made by the user using the first electronic money is deducted, and is not a balance from which the amount of a payment made by the user using the second electronic money is deducted, The balance stored in the second storage means (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) is characterized in that when the user makes a payment using the second electronic money, the balance is deducted by the amount of the payment, but when the user makes a payment using the first electronic money, the balance is not deducted by the amount of the payment. Effect 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 the parentheses are those of the embodiments described below, but the present invention is not limited thereto.

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

[0016] Therefore, by transferring the balance, the user can freely change the balance of the first electronic money (for example, the balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) within the range of the total balance (for example, the 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 (e.g., total balance 31 shown in Figures 5 and 8), the user can select the electronic money payment service he or she wishes to use from among a number of electronic money payment services 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 (e.g., the balance tbl_MoneyA2 shown in Figure 2(a)) is stored in an IC chip built into a user terminal (e.g., the user terminal 2 shown in Figure 1) and the balance of the second electronic money (e.g., the balance tbl_MoneyB4 shown in Figure 2(b)) is stored in a server (e.g., 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, the balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, the 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, the balance tbl_MoneyA2 shown in Figure 2(a)) and the balance of the second electronic money (for example, the balance tbl_MoneyB4 shown in Figure 2(b)) before and after the transfer.

[0021] According to the invention of claim 5, if 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)) are displayed 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, if the user performs a first operation, the user can transfer an amount according to the operation (e.g., amount to be transferred 42 shown in FIG. 6(b)) without specifying the amount, and if the user performs a second operation, the user can freely specify the amount to be transferred (e.g., amount to be transferred 55 shown in FIG. 7(c)). This allows the user to transfer the amount by a desired operation while checking the amount, making it easy to transfer the amount. [Brief description of the drawings]

[0022] [Figure 1] FIG. 1 is a block diagram illustrating one embodiment of a system according to the present invention. [Diagram 2] 1A is a diagram for explaining a table for storing information on electronic money A, and FIG. 1B is a diagram for explaining a table for storing information on electronic money B. FIG. [Diagram 3] FIG. 11 is a flowchart showing an example of use of the system according to the embodiment. [Figure 4] FIG. 11 is a flowchart showing an example of use of the system according to the embodiment. [Diagram 5] FIG. 13 is a diagram illustrating a display screen before the balance of electronic money is transferred. [Figure 6] FIG. 11 is a diagram illustrating a display screen for specifying the transfer of electronic money balance, where (a) is a display screen for specifying the direction and amount to be transferred, and (b) is a display screen for confirming the direction and amount to be transferred. [Figure 7] FIG. 11 is a diagram illustrating a 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 be transferred. [Figure 8] FIG. 13 is a diagram illustrating a display screen after the balance of electronic money has been transferred. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[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 FIG. 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, dial-up, etc., and a database 12.

[0026] The processing performed by the data processing unit 10 shown in Fig. 1 is mainly a process performed by 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 an electronic money payment service different from electronic money A. 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. The user ID tbl_MoneyB1 is the identifier of the user who owns electronic money B. The telephone number tbl_MoneyB2 is the user's telephone number. The name tbl_MoneyB3 is the name of the user who owns electronic money B. The balance tbl_MoneyB4 is the user's balance of electronic money B. The 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] Incidentally, 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 payment and top-up 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, so a description will be omitted, but examples include PayPay (registered trademark) and auPAY (registered trademark).

[0030] <User device description> The user terminal 2 is composed of a terminal device such as a smartphone, such as an iPhone (registered trademark) or an iPad (registered trademark), or a mobile phone. Specifically, as shown in Fig. 1, the user terminal 2 is composed of 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 consisting of a writable flash ROM or the like that stores a program of an application 22a (see Fig. 1) used in the system according to this embodiment, a RAM 23 that functions as a working area, a buffer memory, or the like, 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 be connected to a network N by a 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 carried out by conventional methods known in the art, and therefore explanations will be omitted, but examples include ICOCA (registered trademark), PASMO (registered trademark), etc.

[0032] In the IC chip 26 shown in Fig. 1, information on electronic money A owned by a user is stored 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 ID tbl_MoneyA1, balance tbl_MoneyA2, and transaction history tbl_MoneyA3. ID tbl_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, as such processing can be performed by conventional methods, a description thereof will be omitted.

[0035] Here, the operation of the system according to the present embodiment configured as described above will be briefly described. The user starts up the application 22a pre-installed in 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, when the user wants to transfer a part or all of the balance of electronic money A to electronic money B, the user designates the direction of transfer (e.g., from electronic money B to electronic money A, see FIG. 6(a) and FIG. 7(a)(b)) and the amount of money to be transferred (e.g., 2000 yen, see FIG. 6(a) and FIG. 7(c)). Then, in accordance with the instruction, the balances of the electronic money B table tbl_MoneyB stored in the server 1 and the electronic money A table tbl_MoneyA stored in the IC chip 26 of the user terminal 2 are updated, thereby transferring the balance (see FIG. 8). Briefly described, the system according to the present embodiment performs the above-mentioned operation.

[0036] <Description 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) in the user terminal 2. This causes the application 22a to be saved in the ROM 22 (see FIG. 1). Then, when the user taps an "issue" button (not shown) displayed on the display unit 24 by the application 22a, an identification number of electronic money A is given 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 electronic money A to be used via the application 22a, and the application 22a and the electronic money A are linked to each other.

[0038] Meanwhile, the user makes a contract with the payment service of electronic money B via application 22a (see FIG. 1) of the user terminal 2. As a result, a record of the user is generated in 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 required to obtain 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 starts the application 22a (see FIG. 1) by tapping an icon of the user terminal 2, for example. 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" 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 the user ID tbl_MoneyB1 in FIG. 2(a)) in the payload.

[0040] Next, the user terminal 2 requests a member 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 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 request for the member's token through the authentication process 10b (see FIG. 3). If it is verified that the access token is valid, it sends the member's token to the user terminal 2. The member's token includes the user ID "456123" (see user ID tbl_MoneyB1 in FIG. 2(a)) in the payload. Furthermore, upon receiving this 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 the RAM 23 (see FIG. 1).

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

[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 is able to verify that the member token is valid, the server 1 notifies the balance transfer process 10a (see FIG. 3) of this fact through 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 refers 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 through the balance transfer process 10a (see FIG. 3). Then, the server 1 transmits the balance tbl_MoneyB4 "30,000 yen" (see FIG. 2(b)) corresponding to the searched user ID tbl_MoneyB1 "456123" (see FIG. 2(b)) through the balance transfer process 10a (see FIG. 3) to the user terminal 2. 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 of electronic money A and an icon 34 of electronic money B are displayed side by side. Under the icon 32 of electronic money A, the balance of electronic money A, "20,000" (see balance tbl_MoneyA2 shown in Fig. 2(a)), is displayed, and under the icon 34 of electronic money B, the balance of electronic money B, "30,000" (see balance tbl_MoneyB4 shown in Fig. 2(b)), is displayed. Moreover, above the icon 32 of electronic money A (see Fig. 5) and the icon 34 of electronic money B (see Fig. 5), a 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 of specifying the transfer direction (whether the balance is transferred 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, a 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, 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, on the screen for accepting a balance transfer operation shown in Fig. 5, the user terminal 2 detects this. 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 Fig. 6(a), the user terminal 2, having recognized the instruction for the transfer direction, 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 is added to the balance of electronic money A, and 2,000 yen is subtracted from the balance of electronic money B.

[0052] The amount of 2000 yen changes at regular intervals from when the user starts to slide the button 37a until he or she releases their finger. For example, the display 41a of "+2,000" for electronic money A adds 1000 yen every 0.5 seconds from when the user starts to slide the button 37a until he or she releases their finger, and the display changes to "+3,000" and "+4,000." On the other hand, the display 41b of "-2,000" for electronic money B similarly subtracts 1000 yen every 0.5 seconds, and the display changes to "-3,000" and "-4,000." In other words, when the button 37a (see FIG. 5) is slid, the amount changes by a predetermined amount in response to the operation of sliding.

[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 figure, "2,000 yen") and the transfer direction 43 (in the figure, "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 allows the user to confirm the contents of the transfer instruction received on the display screen shown in FIG. 6(a). After confirming the contents of the instruction, the user taps the "Transfer" button 44a or the like. Note that tapping the "Cancel" button 44b or the like returns 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") and the direction of transfer 43 ("A←B").

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

[0056] First, the user terminal 2 displays a designation screen for tapping operation shown in FIG. 7(a) (step S108). More specifically, first, when the user taps the button 37a on the display unit 24 (see FIG. 1) on the screen for accepting the 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 tapping operation on the display unit 24 as shown in FIG. 7(a). Regarding the screen shown in FIG. 7(a), an icon 51a of electronic money A and an icon 51b of electronic money B are displayed, and a right-facing arrow 52a is displayed between them. This right-facing arrow 52a means that the balance is transferred from electronic money A to electronic money B. If the user wishes to transfer the balance in the opposite direction, that is, from electronic money B to electronic money A, the right-facing arrow 52a (see FIG. 7(a)) is tapped. This results in a left-facing arrow 52b as shown in FIG. 7(b), and the balance is transferred from electronic money B to electronic money A. Once the user has specified the direction of transition using rightward arrow 52a or leftward arrow 52b, he or she taps "OK" button 53a (see Figs. 7(a)(b)). Note that by tapping "Cancel" button 53b (see Figs. 7(a)(b)), the display returns to the previous screen (see Fig. 5).

[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) or the like) installed therein other than 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 the app after obtaining the balance 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 reads out 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) again, and temporarily stores it in the RAM 23 (see FIG. 1).

[0058] Next, the user terminal 2 displays a screen for designating 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 designated by the rightward arrow 52a (see Fig. 7(a)) and the leftward 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] A text box for inputting the amount to be transferred 55 is displayed below the transfer direction 54. This amount can be specified by the user. If the "+1,000" button 56a or the "+5,000" button 56b displayed below the amount to be transferred 55 is tapped, "1,000 yen" or "5,000 yen" is displayed in the amount to be transferred 55. On the other hand, the amount displayed in the amount to be transferred 55 when the "All" button 56c is tapped varies depending on the display of the transfer direction 54. If the transfer direction 54 indicates that the balance is to be transferred from electronic money B to electronic money A, the entire amount of the balance of electronic money B temporarily stored in the RAM 23 is displayed in the amount to be transferred 55. On the other hand, if the transfer direction 54 indicates that the balance is to be transferred from electronic money A to electronic money B, the entire amount of the balance of electronic money A temporarily stored in the RAM 23 is displayed in the amount to be transferred 55.

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

[0061] That is, when button 37a (see FIG. 5) is tapped, the amount designated by the user using button 56a such as "+1,000" or 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. 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") and the direction of transfer 43 ("A←B").

[0064] Thus, as explained above, if the balance of electronic money A, "20,000," and the balance of electronic money B, "30,000," are both displayed on one screen as shown in FIG. 5, the user can easily check the balance of electronic money A and the balance of electronic money 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), amount to be transferred 55 shown in FIG. 7(c)) by selecting an operation of sliding or tapping. This allows the user to transfer the amount with the desired operation while checking the amount, making the operation of transferring the amount easy.

[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 token (step S204). More specifically, when the server 1 receives a member 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 is able to verify that the access token is valid, the server 1 transmits the member token to the user terminal 2 through the authentication process 10b (see FIG. 4). Note that, upon receiving this member 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, when the server 1 receives 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 refers 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 access token. Then, 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)) through the balance transfer process 10a (see FIG. 4). 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 FIG. 2(a)). Furthermore, upon receiving this balance transfer token, the user terminal 2 temporarily stores it in the RAM 23.

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

[0070] Next, the server 1 verifies the member 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 token by the authentication process 10b (see FIG. 4). If the server 1 can verify that the member token is valid, the server 1 notifies the balance transfer process 10a (see FIG. 4) of the fact from the authentication process 10b (see FIG. 4).

[0071] Next, the server 1 transmits the chip lock data of the IC chip 26 (step S207). More specifically, the balance transfer process 10a (see FIG. 4) of the server 1 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 transmits to the server 1 the balance transfer token temporarily stored in the RAM 23, the amount to be transferred "2,000 yen" (see the amount to be transferred 42 shown in FIG. 6(b) and the amount to be transferred 55 shown in FIG. 7(c)), and the transfer direction "A←B" (see the transfer direction 43 shown in FIG. 6(b) and the 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 through 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" through 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, stops the balance transfer, and transmits an error message to that effect to the user terminal 2.

[0075] Then, the server 1 passes the balance transfer token received from the user terminal 2 to the authentication process 10b (see FIG. 4) via 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 by 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) to that effect 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 uses the balance transfer process 10a (see FIG. 4) to search for a record with the user ID tbl_MoneyB1 of "456123" in the electronic money B table tbl_MoneyB (see FIG. 2(b)) stored in the database 12 of the server 1. Then, the server 1 uses the balance transfer process 10a (see FIG. 4) to read 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, because it has received the amount to be transferred "2,000 yen" and the direction of transfer "A←B" from user terminal 2, it calculates "30,000 yen - 2,000 yen = 28,000 yen" as the post-transfer balance of electronic money B. On the other hand, because it has received "20,000 yen" (see Figure 2(a)) as the balance of electronic money A from user terminal 2, it calculates "20,000 yen + 2,000 yen = 22,000 yen" as the post-transfer balance of electronic money A.

[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 which the user ID tbl_MoneyB1 in the electronic money B table tbl_MoneyB (see FIG. 2(b)) 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 so that the write prohibition on the IC chip 26 (see FIG. 1) can be lifted by the balance transfer process 10a (see FIG. 4). In addition, the server 1 also transmits to the user terminal 2 the "22,000 yen" 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 "20,000 yen" in the electronic money A table tbl_MoneyA (see FIG. 2(a)) stored in the IC chip 26 (see FIG. 1) to the post-transfer balance of electronic money A received from the server 1, "22,000 yen." At this time, "6 / 7 balance transferred 2,000 yen" is added to the transaction history tbl_MoneyA3 in 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 a 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 while transmitting an error message to that effect to the user terminal 2.

[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 under the icon 32 of electronic money A, and the post-transfer balance 62 of electronic money B "28,000" is displayed under the icon 34 of electronic money B. Furthermore, the total balance 31 of these electronic moneys "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 balance tbl_MoneyA2 (see Figure 2(a)) of electronic money A owned by the user to balance tbl_MoneyB4 (see Figure 2(b)) of electronic money B, or conversely, transfer the balance tbl_MoneyB4 (see Figure 2(b)) of electronic money B to balance tbl_MoneyA2 (see Figure 2(a)) of electronic money 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), the user can select either electronic money A or electronic money B 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 changes are possible within the scope of the gist of the present invention described in the claims. For example, in this embodiment, the balance transfer process 10a and the authentication process 10b are executed in one server 1, but they may be executed in separate servers. Also, the database 12 is in the same server 1 as the data processing unit 10, but it may be in a different server.

[0091] In the present 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 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 the RAM 23.

[0092] In addition, in this embodiment, when the button 37a (see FIG. 5) is slid, the amount transferred changes at regular intervals from when the user starts to slide the button 37a until he / she releases his / her finger, but this is not limited to the above. For example, the amount transferred may be a fixed amount regardless of the time from when the user starts to slide the button 37a until he / she releases his / 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 B table (secondary electronic money) tbl_MoneyA2 Balance tbl_MoneyB4 Balance 43, 54 Transition direction 42, 55 Amount to be transferred 61, 62 Post-transition balance

Claims

1. A system comprising a server and a user terminal, A first electronic money managed by the user terminal; A second electronic money managed by 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 a user, a designation of a transfer direction, i.e., whether a 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 an 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 a 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; an updating means for storing a post-transfer balance of the first electronic money in the first storage means and a post-transfer balance of the second electronic money in the second storage means; A system comprising: The first electronic money and the second electronic money are electronic money provided by different electronic money payment services, the balance stored in the first storage means is a balance from which the amount of payment is deducted when the user makes a payment using the first electronic money, and is not a balance from which the amount of payment is deducted when the user makes a payment using the second electronic money, The system wherein the balance stored in the second storage means is a balance from which the amount of payment is deducted when the user makes a payment using the second electronic money, and is not a balance from which the amount of payment is deducted when the user makes a payment using the first electronic money.

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, on said user terminal, the post-transfer balance of said first electronic money and the post-transfer balance of said second electronic money after said update is performed by said update means; The system of claim 1 , comprising:

4. the initial balance display means further causes the user terminal to display a total 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 a 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 managed on a user terminal side from a first storage means of the user terminal, and acquiring a balance of a second electronic money 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 a transfer direction, i.e., whether a 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 an 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 a 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; an 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: The first electronic money and the second electronic money are electronic money provided by different electronic money payment services, the balance stored in the first storage means is a balance from which the amount of a payment is deducted when the user makes a payment using the first electronic money, and is not a balance from which the amount of a payment is deducted when the user makes a payment using the second electronic money, A server, wherein the balance stored in the second storage means is a balance from which the amount paid is deducted when the user makes a payment using the second electronic money, and is not a balance from which the amount paid is deducted when the user makes a payment using the first electronic money.

7. A method performed in a system including a server and a user terminal, comprising: obtaining a balance of the first electronic money managed on the user terminal side from a first storage means of the user terminal, and obtaining a balance of the second electronic money managed on the server side from a second storage means of the server; a step of receiving, from a user, a designation of a direction of transfer, i.e., whether to transfer a 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 an amount to be transferred, by the user terminal; calculating a post-transfer balance of one of the first and second electronic moneys obtained by subtracting the amount from the balance of the other electronic money and calculating a post-transfer balance of the other of the first and second electronic moneys obtained by adding the amount to the balance of the other electronic money in response to the received designation; storing a post-transfer balance of the first electronic money in the first storage means and a post-transfer balance of the second electronic money in the second storage means; A method comprising: The first electronic money and the second electronic money are electronic money provided by different electronic money payment services, the balance stored in the first storage means is a balance from which the amount of payment is deducted when the user makes a payment using the first electronic money, and is not a balance from which the amount of payment is deducted when the user makes a payment using the second electronic money, The balance stored in the second storage means is a balance from which the amount of payment is deducted when the user makes a payment using the second electronic money, and is not a balance from which the amount of payment is deducted when the user makes a payment using the first electronic money.

Images