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1. 发明申请

US20080230601A1 Financial server, IC card terminal, and financial information processing method 有权
标题翻译：财务服务器，IC卡终端和财务信息处理方法
公开(公告)号：US20080230601A1
公开(公告)日：2008-09-25
申请号：US11726981
申请日：2007-03-23
申请人： Mikihisa Suzuki , Tsutomu Okude
发明人： Mikihisa Suzuki , Tsutomu Okude
IPC分类号： G06K5/00
CPC分类号： G06Q20/409 , G06Q20/06 , G06Q20/0658 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/24 , G06Q20/34 , G06Q20/349 , G06Q20/40
摘要： The present invention provides an inexpensive system capable of charging up electronic money cards by using a credit card.A credit card 8 is an IC card, and a PIN is authenticated between a card terminal 3 and the credit card 8. The card terminal 3 transmits to a credit company server 4 an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card 8. After billing, the credit company server 4 transmits the amount information and the credit card number to an electronic money server 5. The electronic money server 5 identifies an electronic money card 9 based on the credit card number. The electronic money server 5 generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits it to the card terminal 3. Based on the amount change information, the electronic money card 9 updates the amount of “VALUE” stored therein to an amount specified by the amount change information.
摘要翻译：本发明提供一种能够通过使用信用卡对电子货币卡进行充电的廉价系统。信用卡8是IC卡，并且在卡终端3和信用卡8之间认证PIN。卡终端3向信用公司服务器4发送认证结果，表示充值量的金额信息和信用卡的信用卡号码。信用卡公司服务器4在结算之后，将数量信息和信用卡号码发送给电子货币服务器5.电子货币服务器5基于电子货币卡9识别电子货币卡9 信用卡号。电子货币服务器5生成用于将要充电到“VALUE”的金额相加的金额变更信息，并将其发送到卡终端3.根据金额变更信息，电子货币卡9更新“VALUE “存储在由量变更信息指定的量。

2. 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。

3. 发明申请

US20080197186A1 Settlement server, settlement request server and settlement execution terminal 有权
标题翻译：结算服务器，结算请求服务器和结算执行终端
公开(公告)号：US20080197186A1
公开(公告)日：2008-08-21
申请号：US11707715
申请日：2007-02-16
申请人： Hiroyuki Yamada , Norihiko Fujita , Hisanori Arai , Koji Ito , Kazuki Yamada
发明人： Hiroyuki Yamada , Norihiko Fujita , Hisanori Arai , Koji Ito , Kazuki Yamada
IPC分类号： G06F17/00
CPC分类号： G06Q20/40 , G06Q20/06 , G06Q20/32 , G06Q20/325 , G06Q20/3827 , G06Q20/385
摘要： An object of the present invention is to, in settlement by electronic money, reduce burden on an electronic money server and enhance convenience for users. The function of generating transaction numbers is transferred from the electronic money server to affiliated store servers, so that the transaction numbers are generated by the affiliated store servers. The transaction numbers are each associated with transaction information calculated in accordance with a calculation rule confidential to third parties, such that the electronic money server can detect the presence of alteration of the transaction information based on the transaction number. Furthermore, at the time of generating a transaction number, a seed, which is time-limited secret information confidential to third parties, is inputted to the calculation rule along with the transaction information and used for calculating the transaction number, whereby it is possible to further enhance the level of security.
摘要翻译：本发明的目的在于，通过电子货币进行结算，减轻了电子货币服务器的负担，增加了用户的便利性。生成交易号码的功能从电子货币服务器传送到附属店铺服务器，以便交易号码由附属店铺服务器生成。交易号码各自与根据对第三方机密的计算规则计算的交易信息相关联，使得电子货币服务器可以基于交易号码来检测交易信息的改变的存在。此外，在生成交易号码时，将对第三方机密的时间有限的秘密信息的种子与交易信息一起输入到计算规则，并用于计算交易号码，由此可以进一步提升安全水平。

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