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1. 发明授权

US07418425B2 Information processing system, information processing method, electronic money service providing system, and recording medium 失效
标题翻译：信息处理系统，信息处理方法，电子货币服务提供系统和记录介质
公开(公告)号：US07418425B2
公开(公告)日：2008-08-26
申请号：US09945476
申请日：2001-08-30
申请人： Makoto Yamada , Nobumitsu Ukai , Junichi Sato , Shigeyuki Kawai , Tsutomu Okude , Koji Ito
发明人： Makoto Yamada , Nobumitsu Ukai , Junichi Sato , Shigeyuki Kawai , Tsutomu Okude , Koji Ito
IPC分类号： G06Q40/00
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/363 , G06Q40/025 , G06Q40/04 , G06Q40/12
摘要： An electronic money system is provided which requires lower management and running cost, and features higher flexibility. An acquirer/brand holder managing an electronic money brand manages all keys used for authentication processing in the system, and issues the keys as necessary. The acquirer/brand holder distributes keys according to a tie-up agreement to IC card issuers, a POS center, an MMK center, and an affiliate merchant terminal unit. The POS center, the MMK center, and the affiliate merchant terminal unit are apparatuses for users to use the IC cards or for managing them. The acquirer/brand holder, however, does not distribute issued keys to cybershops which users can access by using a personal computer and a reader/writer. Instead, in this case the acquirer/brand holder saves the issued key itself, and carries out authentication processing with a predetermined IC card upon a request from the cybershop.
摘要翻译：提供了一种电子货币系统，需要较低的管理和运行成本，具有较高的灵活性。管理电子货币品牌的收单/品牌持有人管理系统中用于认证处理的所有钥匙，并根据需要发出钥匙。收购方/品牌持有人按照协议协议向IC卡发卡机构，POS中心，MMK中心和联属商户终端单位分配密钥。 POS中心，MMK中心和附属商户终端单元是用于使用IC卡或用于管理它们的装置。但是，收购方/品牌持有人不会将发行的密钥分发给网络商店，用户可以使用个人电脑和读写器访问。相反，在这种情况下，收单方/品牌持有人将自己发行的密钥存储起来，并根据网吧的请求，对预定的IC卡进行认证处理。

2. 发明申请

US20080301014A1 INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, ELECTRONIC MONEY SERVICE PROVIDING SYSTEM, AND RECORDING MEDIUM 审中-公开
标题翻译：信息处理系统，信息处理方法，电子货币服务提供系统和记录介质
公开(公告)号：US20080301014A1
公开(公告)日：2008-12-04
申请号：US12179058
申请日：2008-07-24
申请人： Makoto Yamada , Nobumitsu Ukai , Junichi Sato , Shigeyuki Kawai , Tsutomu Okude , Koji Ito
发明人： Makoto Yamada , Nobumitsu Ukai , Junichi Sato , Shigeyuki Kawai , Tsutomu Okude , Koji Ito
IPC分类号： G06Q40/00
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/363 , G06Q40/025 , G06Q40/04 , G06Q40/12
摘要： An electronic money system is provided which requires lower management and running cost, and features higher flexibility. An acquirer/brand holder managing an electronic money brand manages all keys used for authentication processing in the system, and issues the keys as necessary. The acquirer/brand holder distributes keys according to a tie-up agreement to IC card issuers, a POS center, an MMK center, and an affiliate merchant terminal unit. The POS center, the MMK center, and the affiliate merchant terminal unit are apparatuses for users to use the IC cards or for managing them. The acquirer/brand holder, however, does not distribute issued keys to cybershops which users can access by using a personal computer and a reader/writer. Instead, in this case the acquirer/brand holder saves the issued key itself, and carries out authentication processing with a predetermined IC card upon a request from the cybershop.
摘要翻译：提供了一种电子货币系统，需要较低的管理和运行成本，具有较高的灵活性。管理电子货币品牌的收单/品牌持有人管理系统中用于认证处理的所有钥匙，并根据需要发出钥匙。收购方/品牌持有人按照协议协议向IC卡发卡机构，POS中心，MMK中心和联属商户终端单位分配密钥。 POS中心，MMK中心和附属商户终端单元是用于使用IC卡或用于管理它们的装置。但是，收购方/品牌持有人不会将发行的密钥分发给网络商店，用户可以使用个人电脑和读写器访问。相反，在这种情况下，收单方/品牌持有人将自己发行的密钥存储起来，并根据网吧的请求，对预定的IC卡进行认证处理。

3. 发明申请

US20080105739A1 Electronic money system and transaction method using the same 有权
标题翻译：电子货币系统和交易方式使用相同
公开(公告)号：US20080105739A1
公开(公告)日：2008-05-08
申请号：US12003622
申请日：2007-12-28
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： G06Q40/00 , G06Q90/00
CPC分类号： G07F7/1008 , G06Q20/06 , G06Q20/0655 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/346 , G06Q20/347 , G06Q20/363 , G06Q20/40 , G06Q20/403 , G06Q20/4097 , G07F7/0866 , G07F7/10 , G07F7/1075 , G07F19/20
摘要： An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information card storing data representing monetary value, and in a case where the balance on the card is insufficient, the balance due is charged to a designated account or paid by loan. The user of the information card is able to carry out a transaction solely by information card even when the balance stored in the information card is insufficient.
摘要翻译：其中使用的电子货币系统和电子货币终端通过代表现金的卡来促进和促进交易。用户通过使用存储表示货币价值的数据的信息卡进行交易，并且在卡上的余额不足的情况下，到期的余额被收取到指定的帐户或通过贷款支付。即使信息卡中存储的余额不足，信息卡的用户也可以通过信息卡进行交易。

4. 发明授权

US07328840B2 Electronic money system and transaction method using the same 有权
公开(公告)号：US07328840B2
公开(公告)日：2008-02-12
申请号：US10840217
申请日：2004-05-07
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： G06K5/00 , G06F17/60
CPC分类号： G07F7/1008 , G06Q20/06 , G06Q20/0655 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/346 , G06Q20/347 , G06Q20/363 , G06Q20/40 , G06Q20/403 , G06Q20/4097 , G07F7/0866 , G07F7/10 , G07F7/1075 , G07F19/20
摘要： An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information card storing data representing monetary value, and in a case where the balance on the card is insufficient, the balance due is charged to a designated account or paid by loan. The user of the information card is able to carry out a transaction solely by information card even when the balance stored in the information card is insufficient.

5. 发明申请

US20100004996A1 Information Processing Server, and Information Processing Method 有权
标题翻译：信息处理服务器和信息处理方法
公开(公告)号：US20100004996A1
公开(公告)日：2010-01-07
申请号：US12310694
申请日：2006-09-05
申请人： Norihiko Fujita , Shigeyuki Kawai , Makoto Yamada , Mikihisa Suzuki
发明人： Norihiko Fujita , Shigeyuki Kawai , Makoto Yamada , Mikihisa Suzuki
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/32 , G06Q20/322 , G06Q20/363 , G06Q30/02 , G06Q30/0267
摘要： It is an object to increase advertising effectiveness by a synergetic effect between communication using a mobile phone or the like, and an electronic money system. The present embodiment is configured such that an advertisement is transmitted to a user's mobile phone via e-mail, and if the user purchases an article in values based on the advertisement, cashback is performed through the user's mobile phone in values. Thus, giving a feeling of value to the user makes it possible not only to increase advertising effectiveness but also to confirm the advertising effectiveness. If purchasing an article in values according to an advertising mail sent to a mobile phone 3, the user can receive the cashback from an electronic money server 2, thus allowing the user to obtain a feeling of value. Moreover, the electronic money server 2 can know whether or not the user has conducted purchasing activities in accordance with the advertising mail, allowing the advertising effectiveness to be measured and confirmed.
摘要翻译：本发明的目的是通过使用移动电话等的通信和电子货币系统之间的协同效应来提高广告效果。本实施例被配置为使得通过电子邮件将广告发送到用户的移动电话，并且如果用户基于广告购买价值的文章，则通过用户的移动电话以价值来执行现金回扣。因此，给用户带来有价值的感觉使得不仅可以提高广告效果，而且可以确认广告效果。如果根据发送到移动电话3的广告邮件购买价值物品，则用户可以从电子货币服务器2接收现金返还，从而允许用户获得有价值的感觉。此外，电子货币服务器2可以知道用户是否根据广告邮件进行了购买活动，从而允许测量和确认广告效果。

6. 发明授权

US07475044B1 Electronic money system and electronic money terminal device 失效
标题翻译：电子货币系统和电子货币终端装置
公开(公告)号：US07475044B1
公开(公告)日：2009-01-06
申请号：US09720079
申请日：2000-04-21
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： H04K1/00 , H04L9/00 , G06Q20/00 , G06Q30/11 , G06K5/00
CPC分类号： G07F19/20 , G06Q20/04 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/367 , G06Q20/382 , G06Q20/405 , G06Q40/02
摘要： The present invention offers an electronic money system and electronic money terminal that allow the user who uses an installment payment plan to decide the installment amount each time he/she pays it.Instead of debiting the amount data equivalent to consumption from an information card 50, the present invention accumulates the amount data equivalent to consumption as data on the transaction history of installment payments, receives part or all of the accumulated installment balance as an installment amount, subtracts the received installment amount from the installment balance to determine a new balance, and thereby allows the user to pay any part of the installment balance as an installment amount.
摘要翻译：本发明提供了一种电子货币系统和电子货币终端，其允许使用分期付款计划的用户在每次付款时决定分期付款金额。本发明不是从信息卡50中扣除相当于消费量的数据，而是将作为分期付款的交易历史的数据等同于消费的金额数据累积，作为分期付款金额的部分或全部累积分期余额，从分期付款中收到的分期付款金额用于确定新余额，从而允许用户支付分期付款的任何部分作为分期付款金额。

7. 发明授权

US08468101B1 Electronic money system and payment accepting apparatus 有权
标题翻译：电子货币系统和付款接收装置
公开(公告)号：US08468101B1
公开(公告)日：2013-06-18
申请号：US09578728
申请日：2000-05-26
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/06 , G06Q20/0652 , G06Q20/20 , G07F19/204
摘要： An electronic money system and a payment-accepting apparatus that further facilitate the use of cards substituting cash money. The electronic money use fee is computed on the basis of the information about the timing with which the amount of money data equivalent to an amount of money used are withdrawn from an information card, thereby allowing the user owning the information card to use an electronic money system regardless of whether time zones having different profit rates. Consequently, the user owning the information card always may pay by the information card, thereby enhancing the effectiveness of the information card that substitutes cash money.
摘要翻译：电子货币系统和付款接收装置，其进一步便于使用代替现金货币的卡。电子货币使用费是根据关于使用相当于所使用金额的货币数据量从信息卡中取出的时间的信息来计算的，从而允许拥有信息卡的用户使用电子货币系统无论时区是否具有不同的利润率。因此，拥有信息卡的用户总是可以通过信息卡支付，从而提高代替现金钱的信息卡的有效性。

8. 发明授权

US08417571B2 Information processing server, and information processing method 有权
标题翻译：信息处理服务器和信息处理方法
公开(公告)号：US08417571B2
公开(公告)日：2013-04-09
申请号：US12310694
申请日：2006-09-05
申请人： Norihiko Fujita , Shigeyuki Kawai , Makoto Yamada , Mikihisa Suzuki
发明人： Norihiko Fujita , Shigeyuki Kawai , Makoto Yamada , Mikihisa Suzuki
IPC分类号： G06Q30/00
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/32 , G06Q20/322 , G06Q20/363 , G06Q30/02 , G06Q30/0267
摘要： It is an object to increase advertising effectiveness by a synergetic effect between communication using a mobile phone or the like, and an electronic money system. The present embodiment is configured such that an advertisement is transmitted to a user's mobile phone via e-mail, and if the user purchases an article in values based on the advertisement, cashback is performed through the user's mobile phone in values. Thus, giving a feeling of value to the user makes it possible not only to increase advertising effectiveness but also to confirm the advertising effectiveness. If purchasing an article in values according to an advertising mail sent to a mobile phone 3, the user can receive the cashback from an electronic money server 2, thus allowing the user to obtain a feeling of value. Moreover, the electronic money server 2 can know whether or not the user has conducted purchasing activities in accordance with the advertising mail, allowing the advertising effectiveness to be measured and confirmed.
摘要翻译：本发明的目的是通过使用移动电话等的通信和电子货币系统之间的协同效应来提高广告效果。本实施例被配置为使得通过电子邮件将广告发送到用户的移动电话，并且如果用户基于广告购买价值的文章，则通过用户的移动电话以价值来执行现金回扣。因此，给用户带来有价值的感觉使得不仅可以提高广告效果，而且可以确认广告效果。如果根据发送到移动电话3的广告邮件购买价值物品，则用户可以从电子货币服务器2接收现金返还，从而允许用户获得有价值的感觉。此外，电子货币服务器2可以知道用户是否根据广告邮件进行了购买活动，从而允许测量和确认广告效果。

9. 发明授权

US07900825B2 Electronic money system and transaction method using the same 有权
标题翻译：电子货币系统和交易方式使用相同
公开(公告)号：US07900825B2
公开(公告)日：2011-03-08
申请号：US12003622
申请日：2007-12-28
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： G06K5/00 , G06F17/60
CPC分类号： G07F7/1008 , G06Q20/06 , G06Q20/0655 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/346 , G06Q20/347 , G06Q20/363 , G06Q20/40 , G06Q20/403 , G06Q20/4097 , G07F7/0866 , G07F7/10 , G07F7/1075 , G07F19/20
摘要： An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information card storing data representing monetary value, and in a case where the balance on the card is insufficient, the balance due is charged to a designated account or paid by loan. The user of the information card is able to carry out a transaction solely by information card even when the balance stored in the information card is insufficient.
摘要翻译：其中使用的电子货币系统和电子货币终端通过代表现金的卡来促进和促进交易。用户通过使用存储表示货币价值的数据的信息卡进行交易，并且在卡上的余额不足的情况下，到期的余额被收取到指定的帐户或通过贷款支付。即使信息卡中存储的余额不足，信息卡的用户也可以通过信息卡进行交易。

10. 发明授权

US06764001B1 Electronic money system and transaction method using the same 有权
标题翻译：电子货币系统和交易方式使用相同
公开(公告)号：US06764001B1
公开(公告)日：2004-07-20
申请号：US09580542
申请日：2000-05-30
申请人： Shigeyuki Kawai , Koji Ito
发明人： Shigeyuki Kawai , Koji Ito
IPC分类号： G06K500
CPC分类号： G07F7/1008 , G06Q20/06 , G06Q20/0655 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/346 , G06Q20/347 , G06Q20/363 , G06Q20/40 , G06Q20/403 , G06Q20/4097 , G07F7/0866 , G07F7/10 , G07F7/1075 , G07F19/20
摘要： An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information card storing data representing monetary value, and in a case where the balance on the card is insufficient, the balance due is charged to a designated account or paid by loan. The user of the information card is able to carry out a transaction solely by information card even when the balance stored in the information card is insufficient.
摘要翻译：其中使用的电子货币系统和电子货币终端通过代表现金的卡来促进和促进交易。用户通过使用存储表示货币价值的数据的信息卡进行交易，并且在卡上的余额不足的情况下，到期的余额被收取到指定的帐户或通过贷款支付。即使信息卡中存储的余额不足，信息卡的用户也可以通过信息卡进行交易。

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