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    Settlement server, settlement request server and settlement execution terminal
    1.
    发明申请
    Settlement server, settlement request server and settlement execution terminal 有权
    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。

    Settlement server, settlement request server and settlement execution terminal
    2.
    发明授权
    Settlement server, settlement request server and settlement execution terminal 有权
    结算服务器，结算请求服务器和结算执行终端

    公开(公告)号：US07926713B2

    公开(公告)日：2011-04-19

    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： G06K5/00 ,  G06F21/00

    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。

    Mobile terminal device, mobile terminal method, mobile terminal program, and electronic money server
    4.
    发明授权
    Mobile terminal device, mobile terminal method, mobile terminal program, and electronic money server 有权
    移动终端设备，移动终端方法，移动终端程序和电子货币服务器

    公开(公告)号：US07720717B2

    公开(公告)日：2010-05-18

    申请号：US10547977

    申请日：2004-03-05

    申请人： Norihiko Fujita ,  Koji Ito ,  Hisanori Arai ,  Masaji Nagai

    发明人： Norihiko Fujita ,  Koji Ito ,  Hisanori Arai ,  Masaji Nagai

    IPC分类号： G06Q30/00 ,  G06Q40/00 ,  G06F11/30 ,  G06F12/14

    CPC分类号： H04M15/68 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q30/0609 ,  G07F7/0886 ,  G07F7/1008 ,  H04M15/00 ,  H04M17/00 ,  H04M17/10 ,  H04M17/204 ,  H04M2017/24 ,  H04M2215/0196 ,  H04M2215/32

    摘要： A mobile terminal device has an information processing unit that processes electronic money information and a storage unit that stores the electronic money information. A receiving unit receives from an electronic money server an electronic money identification (ID), a mobile terminal identification (ID) identifying the mobile terminal device, and a money information processing program for enabling the information processing unit to execute processing of the money information stored in the storage unit. An installation unit installs into the storage unit the money information processing program and the IDs received by the receiving unit. A sending unit sends to the electronic money server information necessary for enabling the electronic money server to provide electronic money service, the necessary information being sent to the electronic server before the receiving unit receives the money information processing and the IDs.

    摘要翻译： 移动终端装置具有处理电子货币信息的信息处理单元和存储电子货币信息的存储单元。 接收单元从电子货币服务器接收电子货币标识（ID），识别移动终端装置的移动终端标识（ID）和用于使信息处理单元能够执行存储的货币信息的处理的货币信息处理程序 在存储单元中。 安装单元将货币信息处理程序和由接收单元接收的ID安装到存储单元中。 发送单元向电子货币服务器发送使电子货币服务器能够提供电子货币服务所必需的信息，在接收单元接收货币信息处理和ID之前将必要的信息发送到电子服务器。

    Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program
    5.
    发明申请
    Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program 有权
    移动终端设备，移动终端方法，移动终端程序，提供服务器设备，提供服务器方式，提供服务器程序

    公开(公告)号：US20060100933A1

    公开(公告)日：2006-05-11

    申请号：US10547977

    申请日：2004-03-05

    申请人： Norihiko Fujita ,  Koji Ito ,  Hisanori Arai ,  Masaji Nagai

    发明人： Norihiko Fujita ,  Koji Ito ,  Hisanori Arai ,  Masaji Nagai

    IPC分类号： G06Q30/00

    CPC分类号： H04M15/68 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q30/0609 ,  G07F7/0886 ,  G07F7/1008 ,  H04M15/00 ,  H04M17/00 ,  H04M17/10 ,  H04M17/204 ,  H04M2017/24 ,  H04M2215/0196 ,  H04M2215/32

    摘要： It is an object to provide a mobile terminal device, such as a mobile phone using electronic-money service, in which information is easily managed upon installing a value processing function to the mobile terminal device. An IC chip for non-contact IC card is installed to a mobile phone 7 having an Internet access function. At the selling time of the mobile phone 7, an application program is not installed in the IC chip. A user purchases the mobile phone 7, thereafter, accesses an electronic-money server 2 from the mobile phone 7, and installs a value processing program to the IC chip. The electronic-money server 2 and the mobile phone 7 are cooperated and install the value processing function. In the installing processing, the mobile phone 7 receives secret information from the electronic-money server 2 for the purpose of ensuring the security, and installs the information to the IC chip.

    摘要翻译： 本发明的目的是提供一种移动终端装置，例如使用电子货币服务的移动电话，其中在向移动终端装置安装价值处理功能时容易管理信息。 用于非接触式IC卡的IC芯片安装到具有互联网访问功能的移动电话7中。 在手机7的销售时间，IC芯片中没有安装应用程序。 用户购买移动电话7之后，从移动电话7访问电子货币服务器2，并且向IC芯片安装价值处理程序。 电子货币服务器2和移动电话7协同工作并安装价值处理功能。 在安装处理中，为了确保安全性，移动电话7从电子货币服务器2接收秘密信息，并将信息安装到IC芯片。

    Monetary information processing server and monetary information processing method
    7.
    发明授权
    Monetary information processing server and monetary information processing method 有权
    货币信息处理服务器和货币信息处理方法

    公开(公告)号：US09483757B2

    公开(公告)日：2016-11-01

    申请号：US11707708

    申请日：2007-02-16

    申请人： Norihiko Fujita ,  Kazuki Yamada ,  Hiroyuki Yamada

    发明人： Norihiko Fujita ,  Kazuki Yamada ,  Hiroyuki Yamada

    IPC分类号： G06Q20/32 ,  G06Q20/06 ,  G06Q20/10

    CPC分类号： G06Q40/02 ,  G06K5/00 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/3227 ,  G06Q20/405 ,  G07F19/202

    摘要： In a monetary information processing method, an amount remitted by a remitter to a financial account in a banking system and monetary terminal identification information identifying a monetary terminal that stores a monetary value are acquired from the banking system. The acquired amount is divided into unit amounts when the acquired amount exceeds a preselected amount. Amount update information is transmitted to the monetary terminal to increase the monetary value by the acquired amount when the acquired amount does not exceed the preselected amount or by any selected one of the unit amounts provided that the acquired amount or the selected unit amount does not exceed an allowable limit previously set for the monetary terminal. The amount acquired from the banking system is decreased by the amount by which the monetary value is increased in accordance with the amount update information.

    摘要翻译： 在货币信息处理方法中，从银行系统获取汇款人汇入银行系统中的金融账户的金额和识别存储货币价值的货币终端的货币终端识别信息。 当获得量超过预选量时，将获得的金额分为单位金额。 金额更新信息被传送到货币终端，当获得的金额不超过预先选定的金额或者单位金额中的任何一个单位金额，只要所取得的金额或所选择的单位金额不超过金额，就将金额增加所获得的金额 以前为货币终端设定的允许限额。 从银行系统获得的金额根据更新信息量减少金额增加的金额。

    Monetary information processing server and monetary information processing method
    8.
    发明申请
    Monetary information processing server and monetary information processing method 有权
    货币信息处理服务器和货币信息处理方法

    公开(公告)号：US20080197190A1

    公开(公告)日：2008-08-21

    申请号：US11707708

    申请日：2007-02-16

    申请人： Norihiko Fujita ,  Kazuki Yamada ,  Hiroyuki Yamada

    发明人： Norihiko Fujita ,  Kazuki Yamada ,  Hiroyuki Yamada

    IPC分类号： G06K5/00

    CPC分类号： G06Q40/02 ,  G06K5/00 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/3227 ,  G06Q20/405 ,  G07F19/202

    摘要： An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution.When remitting money for charging up a monetary terminal to a center account 31, the user inputs to a banking system 3 remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system 3 transmits a remittance amount and the remitter information to an electronic money server 2. The electronic money server 2 extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server 2 generates amount update information within the remitted amount, and transmits it to a cell phone 7 or an electronic money card 15, which is identified by the monetary terminal ID.

    摘要翻译： 本发明的目的是使用金融机构中的账户向货币终端机存款。 当向货币兑换中心帐户31汇出货币充值时，用户向银行系统3输入包含要收费的货币终端的名称（片假名字符）和货币终端ID的信息。 响应于此，银行系统3将汇款金额和汇款者信息发送到电子货币服务器2。 电子货币服务器2从接收到的汇款者信息中提取用户的名称和货币终端ID，并根据用户注册信息进行检查。 此后，电子货币服务器2产生在汇款金额内的金额更新信息，并将其发送到由货币终端ID识别的手机7或电子货币卡15。

    Information Processing Server, and Information Processing Method
    10.
    发明申请
    Information Processing Server, and Information Processing Method 有权
    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。