46 results about "Electronic money" patented technology

A valuable management system, a valuable management device, and a valuable management program are provided that can accurately manage the validity period of valuables that can be used by players. In the valuable management system 1A, the expiration date of electronic money managed by the valuable management means 101A is managed based on the validity period of each record. For example, in the valuable management system 1A, the usability determination means 105 determines whether the electronic money can be used by determining the validity period of the electronic money of the record as a predetermined period from the "addition date" recorded in the record.

A method performed by an information processing device to generate code information on a payment related to an electronic money at a terminal, may be provided. The method may include: obtaining first information; and generating the code information that includes second information related to an authentication of a user of the terminal based on the first information.

The present invention pertains to an electronic money settlement method that is realized by an electronic money business operator system that provides an electronic money service. The method includes: managing, in an associated manner for each user who uses an electronic money service, an electronic money account of the user and a deposit account of the user; virtually setting the balance of the electronic money account so as to be synchronized with the balance of the deposit account; and making a request to a financial institution system for a remittance process such that an amount for settlement is, in response to the settlement using the electronic money, directly remitted from the deposit account associated with the electronic money account to a deposit account, at a financial institution, of a money recipient who is to receive the amount through the settlement.

To provide a payment management device, payment management method, and program that can improve convenience for companies operating affiliated stores. [Solution] A payment management device for managing an electronic payment service using electronic money, comprising an information management unit that links company identification information for identifying a company with wallet identification information for identifying the company's wallet in the electronic payment service, links the wallet identification information with one or more type identification pieces for identifying the type of electronic money transfer or payment, and links the type identification information with one or more recipient identification pieces for identifying the recipient of the electronic money transfer.

A system is provided.SOLUTION: A system comprising: means for registering a user's hometown; means for recommending a niche landmark near the registered hometown based on data of another application; means for giving a point when the user visits the recommended place and performs an action; means for transferring the given point to another piece of electronic money; and means for giving the point to an organization having jurisdiction over the place.SELECTED DRAWING: Figure 1

To improve user convenience. [Solution] When a user's salary is deposited into the user's virtual account at the First Bank, which is linked to the user's identification information of the electronic payment service, the information processing device deposits electronic money corresponding to the salary into the salary wallet of the user's identification information managed by the electronic payment service, and in response to the deposit, displays the interface screen of the electronic payment service, which includes information about the salary deposited into the salary wallet, on the display unit of the user terminal device.

To improve user convenience. [Solution] An information processing device that, when a user's salary is deposited into the user's virtual account at the First Bank, which is linked to the user's identification information of the electronic payment service, deposits electronic money corresponding to the salary into the salary wallet of the user's identification information managed by the electronic payment service, and sends the electronic money of the salary from the salary wallet to a predetermined recipient on a predetermined date.

The spread of cashless payments has made it difficult to accurately ascertain the income of public assistance recipients through traditional bank account inquiries alone, leading to fraudulent claims. Furthermore, the aging of those responsible for monitoring recipients and a shortage of personnel have resulted in insufficient verification of the recipients' well-being. [Solution] The system includes a data collection means that integrates transaction history from bank accounts, electronic money, and QR code payments by linking with the interfaces of multiple payment services; a determination means that enables quick reporting via a smartphone app when an undeclared deposit is detected; and a data fixing means that records all declared information in an unalterable format including a hash value. Furthermore, it includes an evaluation means that detects discontinuation in transaction history and performs safety checks through automatic phone calls by an artificial intelligence voice agent, thereby supporting the work of the monitoring staff.

This item is a video camera for monitoring equipment operation that can be attached and detached via a holder that serves as an attachment to electronic money charging machines, automatic teller machines, etc., and allows the operator to remotely check the operation of various equipment.

To provide a system capable of providing convenient and highly reliable purchase service to a consumer.SOLUTION: The method includes the steps of: inputting commodity information of a brand-name product, a precious metal, a watch, or the like by a user using a portable information terminal and uploading a photograph; transmitting the commodity information and photograph data from the portable information terminal to a server; calculating an appraisal value of the commodity by the server using artificial intelligence based on huge market data; returning the appraisal result to the portable information terminal by the server and displaying the appraisal result on the portable information terminal by the server; starting a shipping procedure of the commodity when the user accepts the appraisal value; confirming arrival of the commodity by the server; inspecting a state of the commodity by the server; and transmitting the inspection result as electronic money to the user by the server.SELECTED DRAWING: Figure 1

Provided is an electronic currency system comprising: a remittance apparatus, which is the remittance source of electronic currency to which additional information is added each time remittance is made; and a receiving apparatus, which is the remittance destination of the electronic currency. The remittance apparatus comprises a verification key reception unit configured to receive a group verification key of a group to which the receiving apparatus belongs, a signature unit configured to use a member signature key of the remittance apparatus to generate a group signature for the group verification key and a hash value of the additional information that is most recently added to the electronic currency, and a currency transmission unit configured to transmit to the receiving apparatus the electronic currency to which the group verification key, the hash value, and the group signature have been added as the additional information. This makes it possible to appropriately ensure the anonymity of a user of electronic currency while maintaining the traceability.

To improve user convenience. [Solution] An information processing device that, when a user's salary is deposited into the user's virtual account at the First Bank, which is linked to the user's identification information of the electronic payment service, deposits electronic money corresponding to the salary into the user's identification information salary wallet managed by the electronic payment service, and sends the electronic money of the salary in the salary wallet to a predetermined recipient on a predetermined date.

A system is provided.SOLUTION: A system comprising: means for a user to register anonymously; means for a user to register possessions and skills; means for matching the registered possessions and skills using artificial intelligence; means for conducting a transaction using electronic money; and means for returning points after completion of the transaction.SELECTED DRAWING: Figure 1

To provide a payment management device, payment management method, and program that can improve convenience for companies operating affiliated stores. [Solution] A payment management device for managing an electronic payment service using electronic money, comprising: an information management unit that manages merchant wallet information relating to the wallets of merchants in the electronic payment service and corporate wallet information relating to the wallets of companies that operate the merchants in the electronic payment service; a receiving unit that receives a transfer instruction that instructs the transfer of electronic money from the company's wallet to another wallet; and a transfer processing unit that executes the transfer of electronic money from the company's wallet to the other wallet based on the transfer instruction.

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

To improve security concerning the issuance of electronic money.SOLUTION: A program causes a computer 70 of a terminal device 3, which is configured to be capable of communicating with a vending apparatus 2 that dispenses a product on the basis of acceptance of inserted cash, to execute: transmitting, to the vending apparatus 2, grant information relating to granting electronic money corresponding to the cash by inserting the cash into the vending apparatus 2; transmitting information for causing the vending apparatus 2 to output output information in the form of an image or sound; and, when it is determined that cash has been inserted into the vending apparatus 2 and that the relationship between the output information and input information, which is input on the basis of an operation by a user of the terminal device 3 and relating to authentication of the granting of electronic money, satisfies grant conditions for granting the electronic money, displaying, on the terminal device 3, at least one piece of information indicating that granting of electronic money corresponding to the cash has become possible and information indicating that the electronic money corresponding to the cash has been granted.SELECTED DRAWING: Figure 1

A system and method for issuing a virtual value-bearing card associated with only non-personally identifying information is disclosed. A remote internet enabled device, an input device, a network coupling, and a card dispenser communicate to convert physical or electronic currency, wherein the converted funds are immediately available to the user with a virtual value bearing card stored on an application hosted on an internet enabled device. The converted funds are simultaneously available on a physical card. The input device is configured to receive input to scan a code graphically provided by the internet enabled device. The code includes only non-personally identifiable information. The network coupling is configured to send the new account request to an acquirer processor and to receive an approval response from the acquirer processor. A virtual card initiator is operationally coupled to the network coupling, the virtual card initiator being configured to link the account number and the value of the received assets together with a request to generate the virtual value-bearing card, activate the card, load funds onto the card and to add the card to a remote internet enabled device, such as a smart phone. The virtual card includes only non-personally identifiable information. The non-personally identifiable information includes the account number.

This image relates to an information display image for a sales management system used in a store. This image comprises an area for managing cash sales, change reserves, and deposit / withdrawal amounts, and an area for managing sales made using methods other than cash, such as gift certificates, electronic money, or credit cards.

To provide a payment management device, payment management method, and program that can improve convenience for companies operating affiliated stores. [Solution] A payment management device for managing an electronic payment service using electronic money, comprising an information management unit that links company identification information for identifying a company with wallet identification information for identifying the company's wallet in the electronic payment service, links the wallet identification information with one or more type identification pieces for identifying the type of electronic money transfer or payment, and links the type identification information with one or more recipient identification pieces for identifying the recipient of the electronic money transfer.

This system provides a value management system that can accurately manage the validity period of the valuable assets usable by players. [Solution] In the Value Management System 1A, the electronic money managed by the Value Management Means 101A has its expiration date managed based on the validity period for each record. For example, in the Value Management System 1A, the Usability Determination Means 105 determines whether the electronic money can be used, using a predetermined period from the "addition date" recorded in the record as the validity period of the electronic money for that record.

To improve user convenience. [Solution] An information processing device that, when a user's salary is deposited into the user's virtual account linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service, and deposits part or all of the electronic money in the intermediate wallet into the user's identification information salary wallet managed by the electronic payment service.

To provide a payment management device, payment management method, program, and application program that enable secure and convenient card payments for users. [Solution] A payment management device comprising: a display control unit that, in response to communication between a user terminal device of a user and a card having short-range wireless functionality, displays setting information on the user terminal device indicating a payment method set for card payment using the card, among a plurality of payment methods including a first payment method using the charge balance of electronic money and a second payment method using credit card payment; a change acceptance unit that accepts changes to the setting information in response to operations by the user; and a notification unit that notifies the card payment server that executes the card payment of information related to the changes.

To avoid degrading user experience when authentication errors occur. [Solution] The electronic money processing device comprises a receiving means, an acquisition means, and a display processing means. The receiving means receives an authentication code related to the input electronic money. The acquisition means obtains an authentication result based on the authentication code. If the authentication result is an authentication error, the display processing means displays a notification on the display unit guiding the user to input an authentication code related to the electronic money.

An electronic currency system including an issue bank server and a financial institution server, wherein the issue bank server includes a currency issue certificate issue unit that generates a currency issue certificate and transmits the generated currency issue certificate to the financial institution server, and a currency issue unit that adds a signature to a currency issue message in a predetermined electronic currency unit and transmits the currency issue message to the financial institution server, and the financial institution server includes a currency issue certificate issue reception unit that receives issue of the currency issue certificate from the issue bank server, and a currency issue reception unit that receives the currency issue message from the issue bank server, verifies the signature of the received currency issue message based on the currency issue certificate, and storing the issued currency in an unused currency storage unit.

To improve user convenience. [Solution] An information processing device that, when a user's salary is deposited into the user's virtual account linked to the user's identification information of an electronic payment service, deposits electronic money corresponding to the salary into an intermediate wallet managed by the electronic payment service, and deposits part or all of the electronic money in the intermediate wallet into the user's identification information salary wallet managed by the electronic payment service.

The application relates to a blockchain editable method, device and transaction method for electronic currency, and belongs to the technical field of blockchains. The method solves the problems of the prior art, such as difficulty in fine-grained editing, low editing efficiency and high computing complexity. The method comprises the following steps: generating parent nodes of leaf nodes of a Merkle tree in each block through a chameleon hash function, constructing the Merkle tree in each block, and connecting the blocks to form an electronic currency blockchain; wherein, the leaf nodes of the Merkle tree in each block are generated based on a hash function and electronic currency transaction information; according to a received electronic currency transaction modification instruction, the block of original transaction information to be modified in the blockchain is determined, then the leaf node on the Merkle tree in the block is determined, and finally the editing of the Merkle tree is completed by updating the leaf node.

To provide an information processing device, an information processing method, and a program that can improve the convenience for users who have experienced overdrafts in resolving excess amounts. [Solution] In the case of payment using a prepaid card, if the first additional charge amount, which is the payment amount at the time of authorization, is subtracted from the second payment amount, which is the payment amount at the time of sale at the merchant, is greater than the user's electronic money balance, the information processing device includes a display control unit that prefills the charge screen with a charge amount that takes into account the second additional charge amount, which is the first additional charge amount, when the user charges electronic money to their electronic money balance on the charge screen of the user terminal device.

To improve the convenience of service users. [Solution] An information processing device comprising: a receiving unit that receives remittance information in advance from the user's user terminal device; and a processing unit that, when the remittance timing included in the remittance information arrives, refers to the balance of electronic money in the user's wallet managed by the electronic payment service at the remittance timing, and sends part or all of the balance of electronic money in the wallet to a pre-set bank account based on the condition information regarding the remittance conditions included in the remittance information, wherein the processing unit sends part or all of the balance of electronic money in the wallet to each of a plurality of target accounts based on the condition information corresponding to each.

To provide a payment management device, payment management method, and program that can improve convenience for companies operating affiliated stores. [Solution] A payment management device for managing an electronic payment service using electronic money, comprising: an information management unit that manages merchant wallet information relating to the wallets of merchants in the electronic payment service and corporate wallet information relating to the wallets of companies operating the merchants in the electronic payment service; a receiving unit that receives a transfer instruction that instructs the transfer of electronic money from the merchant's wallet to the company's wallet; and a transfer processing unit that executes the transfer of electronic money from the merchant's wallet to the company's wallet based on the transfer instruction.

An email-based value transfer method and value transfer cluster system comprises the steps of: Establishing an IP connection of the e-mail interaction servers between a remitter and a remittee; Obtaining the payment receiving address of the remittee based on the interactive operations of the e-mail interaction servers; Performing the remittance operation according to the payment receiving address. The value transfer method provided by the present invention supports obtaining, registering and transferring value through e-mail interaction servers without the need of going through a unified interface server for digital / electronic currency services anymore. Using a unified interface address, or a digital / electronic address corresponding to the e-mail address for payment receiving enables the remittance / remittance mail server bound to a domain name to realize value transfer safely, efficiently and economically through the e-mail address outside the system.