EP0793186A2
Expired / Lapsed
EP
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Electronic money system
Assignee: Hitachi Ltd
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Filing: 1997-02-26
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Granted: —
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Expires: 2017-02-26
Abstract
Abstract An electronic money system has an IC card (10) for electronic money having a memory (101) for maintaining money deposit and money debit information and another memory (103), such as an EPROM, for storing transaction data, including detailed information of transactions, such as the content of a typical receipt received from a retail store. The transaction information can be used at a later time in a personal computer (32) so that an electronic record of household expenses can be maintained. The transaction data that is stored includes the product name, price of the product, quantity of the product purchased and similar details of the transaction. The IC card memory (103) can record the name and telephone number of a retail store where the card has been used or a network address can be recorded in the memory for use by a customer to access electronic direct mail information by using a PC. Also, a store can determine whether a particular purchase is within a range of average purchases in terms of the number of products being purchased in a transaction and the total cost of the transaction, based on the stored transaction information.
Inventors
- 👤 Hiroki Kitagawa
- 👤 Yo Miyamoto
- 👤 Jun Furuta
- 👤 Masaki Takano
- 👤 Takashi Matsubara
- 👤 Takao Ohsawa
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-02 06:14
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06K; G06K19/00; G06K19/06; G06K19/067; G06K19/07; G06K19/073; G06Q; G06Q20/00; G06Q20/04; G06Q20/047; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/38; G06Q20/40; G06Q20/409; G06Q20/4093; G07G; G07G5/00
Claims Analysis
Total Claims: 20
Claim 1
Independent Claim
120 words
An electronic money system using IC cards (10) for transferring electronic money by communication of a signal between said IC cards (10), comprising: said IC cards (10) having a first memory (101) for storing money data values to maintain a record of money transfers from one said IC card (10) to another said IC card (10), said money transfers including a deposit transfer in which money is received from another said IC card (10) and stored in said first memory (101) and a payment transaction in which money is transferred from said first memory (101) to another said IC card (10); and said IC card (10) having a second memory (103) for storing information details associated with each payment transaction.
Claim 2
Dependent Claim
32 words
An electronic money system according to claim 1, wherein second memory (103) stores said transaction information details that further include at least one of a price, date and time for each transaction.
Claim 3
Dependent Claim
51 words
An electronic money system according to claim 2, wherein said second memory (103) stores said transaction information details that further include at least one of details relating to identifying a commodity that is part of the transaction, a quantity of the identified commodity and supplier identification information for the identified commodity.
Claim 4
Dependent Claim
46 words
An electronic money system according to claim 1, further including said first memory (101) storing transaction data related to each transfer of electronic money and said second memory (103) storing said transaction information details using said transaction data in said first memory (101) as an index.
Claim 5
Dependent Claim
46 words
An electronic money system according to claim 1, wherein said second memory (103) stores said transaction information details that include an address written to said second memory (103) at the time of a transaction that is used to identify an Internet address or a CATV channel.
Claim 6
Dependent Claim
50 words
An electron money system according to claim 1, further including a personal computer (32) for reading/writing said IC card (10) that reads said second memory (103) to retrieve said transaction information details and writes said transaction information details to a program for managing expenses operating on said personal computer (32).
Claim 7
Dependent Claim
57 words
An electronic money system according to claim 5, further including a personal computer (32) for reading/writing said IC card (10) that reads said second memory (103) to retrieve said address used to identify an Internet address or a CATV channel and accesses an Internet address or a CATV channel of a peripheral device according to the address.
Claim 8
Dependent Claim
99 words
An electronic money system according to claim 1, further including a point of sale (POS) terminal (21, 22) that receives said IC card (10), said POS terminal (21, 22) reading from said IC card (10) said transaction information details to retrieve details that relate to said POS terminal (21, 22); and said POS terminal calculating an average transaction profile with respect to at least one of quantity or expense of said transactions and judging whether a current transaction is within an average transaction range and providing a warning indicating said current transaction is outside of an average transaction profile.
Claim 9
Dependent Claim
96 words
A point of sale (POS) terminal for an electronic money system that uses an IC card (10) for electronic money, comprising: said POS terminal (21, 22) reading transaction data from said IC card (10) that includes data for a plurality of transactions related to said POS terminal (21, 22); means for calculating an average transaction profile with respect to at least one of quantity or expense of said transactions; means for judging whether a current transaction is within an average transaction range and providing a warning indicating said transaction is outside of an average transaction profile.
Claim 10
Dependent Claim
62 words
A personal computer which reads/writes an IC card (10) in an electronic money system, wherein said IC card (10) stores data of a plurality of transactions involving transfer of electronic money; said personal computer (32) reads said IC card to receive said transaction details and; said personal computer executing a program for management of expenses that is updated with said transaction details.
Claim 11
Dependent Claim
84 words
A network shopping system using IC cards (10) for transferring electronic money by communication of a signal between said IC cards (10), comprising: said IC cards (10) having a first memory (103) for storing money data values to maintain a record of money transfers from one said IC card (10) to another said IC card (10); and a personal computer (32) for accessing the shopping network and for processing transactions that include transferring money from said IC card (10) in accordance with said transaction.
Claim 12
Dependent Claim
119 words
An electronic money system using IC cards (10) for transferring electronic money by communication of a signal between said IC cards (10), comprising: said IC cards (10) having first memory means (101) for storing money data values that record money transfers from one said IC card (10) to another said IC card (10), said money transfers including deposit transfers in which money is received from another said IC card (10) and stored in said first memory means (101) and payment transactions in which money is transferred from said first memory means (101) to another said IC card (10); and said IC card (10) having second memory means (103) for storing information details associated with each of said payment transactions.
Claim 13
Dependent Claim
33 words
An electronic money system according to claim 1, wherein second memory means (103) for storing said transaction information details further stores at least one of a price, date and time for each transaction.
Claim 14
Dependent Claim
51 words
An electronic money system according to claim 2, wherein second memory means (103) for storing said transaction information details further stores at least one of details relating to identifying a commodity that is part of the transaction, a quantity of the identified commodity and supplier identification information for the identified commodity.
Claim 15
Dependent Claim
49 words
An electronic money system according to claim 1, further including said first memory means (101) storing transaction data related to each transfer of electronic money and said second memory means (103) storing said transaction information details using said transaction data in said first memory means (101) as an index.
Claim 16
Dependent Claim
49 words
An electronic money system according to claim 1, wherein said second memory means (103) for storing said transaction information details further stores an address written to said second memory means (103) at the time of a transaction that is used to identify an Internet address or a CATV channel.
Claim 17
Dependent Claim
45 words
An electronic money system according to claim 1, further including a data processing means for reading/writing said IC card (10) that reads said second memory means (103) to retrieve said transaction information details and writes said transaction information details to a program for managing expenses.
Claim 18
Dependent Claim
57 words
An electronic money system according to claim 5, further including data processing means for reading/writing said IC card (10) that reads said second memory means (103) to retrieve said address used to identify an Internet address or a CATV channel and accesses an Internet address or a CATV channel of a peripheral device according to the address.
Claim 19
Dependent Claim
110 words
An electronic money system according to claim 1, further including a point of sale (POS) terminal (21, 22) that receives said IC card (10), said POS terminal (21, 22) including means for reading from said IC card (10) said transaction information details to retrieve details that relate to said POS terminal (21, 22); and means for calculating an average transaction profile with respect to at least one of quantity or expense of said transactions; and said POS terminal (21, 22) further including means for judging whether a current transaction is within an average transaction range and providing a warning indicating said current transaction is outside of an average transaction profile.
Claim 20
Independent Claim
154 words
A method for recording expenses in an electronic money system using IC cards (10) for transferring electronic money by communication of a signal between said IC cards (10), comprising: recording in said IC cards (10) money data values to maintain a record of money transfers from one said IC card (10) to another said IC card (10), said money transfers including a deposit transfer in which money is received from another said IC card (10) and stored in said IC card (10) and a payment transaction in which money is transferred from said IC card (10) to another said IC card (10); and further, using said record of money transfers as an index, storing information details associated with each payment transaction that includes at least one of a price, date and time for each payment transaction; and reading and processing said information details with a personal computer (32) with a program for managing expenses.
References Cited (Backward Citations)
No citation records indexed.
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