JP2006113838A - Electronic money loaning system, financial institution side device, and electronic money management device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic money loaning system which enables the loaning of electronic money without the use of a loaning device installed at a store, improves convenience on a debtor's side, and is excellent in performance. <P>SOLUTION: A financial side device Px is provided with; a credit information storage means 2a which stores user identification information and loanable amount of money; a loan application information reception means 2b which receives a desired amount of loan and the user identification information, as the loan application information, from a user side terminal device Q; a loan approval-or-disapproval determination means 2c which determines whether the desired amount of loan is within a range indicated in loanable amount information; and a loan approval information transmission means 2d which transmits a message that the execution of loaning by electronic money is approved to an electronic money management device Py when the desired amount of loan is within the range indicated in the loanable amount information. In addition, the electronic money management device Py is provided with a charge information transmission means 3b which charges electronic money to a user when it receives the loan approval information and the loan application information from the financial side device Px. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an electronic money financing system and the like that can perform financing with electronic money for 24 hours.

Conventionally, an input terminal such as a POS terminal installed at each store and a computer system of a plurality of financial institutions are connected by a communication line, and an electronic card stored in an IC card using an IC type electronic money card is used. An electronic money compensation system is known in which a shortage can be compensated from a financial institution that has a transaction with an IC card owner when purchasing a product of money or more (see, for example, Patent Document 1).
JP 2001-5895 A

  However, the conventional technology requires a direct operation to the financing device such as passing the IC card through the input terminal. For example, when such a financing device is in a remote place, it is easy to use. There is a problem that it cannot be used at any time.

  The present invention has been made paying attention to such problems, and its main purpose is to receive a loan with electronic money without requiring the use of a loan device provided in a store like an existing loan. Therefore, the purpose is to provide a high-performance electronic money financing system that can drastically improve the convenience of borrowers receiving loans.

  That is, the electronic money financing system according to the present invention has loanable amount information that is preset by user identification information and credit for identifying a user and indicates a loanable amount that can be loaned to the user. An electronic money management device that manages electronic money information related to the electronic money so that the user can execute the loan as the electronic money of the loanable amount by charging. An electronic money financing system configured to enable communication between the financial institution side device and the electronic money management device and the user side terminal device used by the user via a communication line such as the Internet, The financial institution side device associates and stores the user specifying information and the loanable amount information, and a user information Borrowing application information receiving means for receiving desired borrowing amount information indicating the desired borrowing amount and user specifying information capable of specifying the user as borrowing application information from the user terminal device via the communication line; The desired borrowing amount information included in the borrowing application information that is extracted from the credit information storage unit and the loanable amount information corresponding to the user specifying information included in the borrowing application information received by the borrowing application information receiving unit Is determined within the range indicated by the extracted loanable amount information, and the loanability determination unit and the loanability determination unit are within the range indicated by the desired loan amount information. The loan acceptance information indicating that the execution of the loan as the electronic money of the desired borrowing amount is approved together with the borrowing application information through the communication line. -A loan approval information transmitting means for transmitting to the management device, and when the electronic money management device receives the loan approval information and the borrowing application information from the financial institution side device, the borrowing In order to charge the user with the electronic money corresponding to the desired borrowing amount included in the application information, to the charge information storage means provided on the user side as the electronic money information specified by the borrowing application information And charge information transmission means for transmitting the information.

  If this is the case, for example, simply sending the loan application information from the user side terminal device such as a mobile phone to the financial institution side device, the financial institution side device has received the loan availability determination means. It is determined whether or not the desired borrowing amount information included in the user identification information included in the borrowing application information is within the range indicated in the loanable amount information, and the desired borrowing amount information is loaned by this loan availability determination means. If it is determined that it is within the range indicated in the possible money amount information, the loan approval information transmission means, together with the loan application information, indicates that the loan approval information transmission means has approved the execution of the loan as the electronic money of the desired borrowing amount. , To the electronic money management apparatus via the communication line. When the electronic money management device receives the loan approval information and the borrowing application information from the financial institution side device, the electronic money corresponding to the desired borrowing amount included in the borrowing application information is given to the user. In order to charge, the charge information transmission means transmits the electronic money information specified by the borrowing application information to the charge information storage means provided on the user side as charge information.

  That is, it is possible to receive a loan with electronic money without using a loan device provided in a store like an existing loan, and the convenience of a borrower receiving the loan can be greatly improved. A high-performance electronic money financing system can be provided.

  If the user terminal device is a user's mobile phone, for example, the user can easily use the electronic money financing system anytime for 24 hours.

  Further, if the charge information storage means is formed in a predetermined area of the memory provided in the user side terminal device so as to be detachable, a special member for charging is not required. It can be realized at low cost.

  As a desirable aspect of the user side terminal device used in the electronic money financing system of the present invention, the user side terminal device comprises charge information receiving means for receiving charge information transmitted from the electronic money management device, The charge information received by the charge information receiving means may be stored in the charge information storage means.

  As another desirable aspect of the electronic money financing system of the present invention, the charge information storage means is formed in a predetermined area of a memory provided in an IC card owned by a user, and the electronic money An IC card comprising charge information receiving means for receiving charge information transmitted from the management device, and charge execution means for causing the charge information received by the charge information receiving means to be stored in the charge information storage means For example, there may be provided a terminal device connected to the communication line.

  By the way, in order to realize high-security operation in the electronic money financing system, it is desirable that the user specifying information is authentication information capable of authenticating the user such as a user ID and a password.

  In addition, the user terminal device receives payment amount information relating to the payment amount, payment amount information receiving means, payment amount information received by the payment amount information receiving means, and electronic information stored in the charge information storage means A settlement enable / disable determining means for determining whether or not payment is possible with the electronic money information stored in the charge information storage means based on the amount of money related to the money information; and the settlement enable / disable determining means A borrowing application information transmitting means for transmitting the borrowing application information to the financial institution side device when it is determined that payment with the electronic money information stored in the charge information storing means is not possible. If so, for example, when receiving purchases of goods or provision of services, even if there is a shortage of electronic money, it is possible to respond appropriately.

  In this case, the difference between the payment amount and the electronic money based on the payment amount information received by the payment amount information reception unit and the electronic money information stored in the charge information storage unit by the user terminal device. If the difference information calculation means for calculating difference information indicating the difference information calculated by the difference information calculation means is included in the loan application information and transmitted, the electronic money It is also possible to charge only the shortage, and it is possible to prevent unnecessary borrowing of electronic money.

  In addition, as a desirable aspect of the financial institution side device constituting the electronic money financing system described above, the financial institution side device includes the credit information storage unit, the borrowing application information receiving unit, the loan availability determination unit, What provided at least the said loan approval information transmission means is mentioned.

  Similarly, as a desirable aspect of the electronic money management device that constitutes the electronic money financing system described above, the electronic money management device includes at least the charge information transmission means.

  As described above, according to the electronic money financing system of the present invention, for example, from a user side terminal device such as a mobile phone, the borrowing application information is simply transmitted to the financial institution side device. The loan availability determination means determines whether or not the desired borrowing amount information included in the user specifying information included in the received loan application information is within the range indicated by the loanable amount information, and this loan availability determination means If it is determined that the desired borrowing amount information is within the range indicated by the loanable amount information, the loan approval information indicating that the loan approval information transmitting means has approved the execution of the loan as the electronic money of the desired borrowing amount Information is transmitted together with the borrowing application information to the electronic money management apparatus via the communication line. When the electronic money management device receives the loan approval information and the borrowing application information from the financial institution side device, the electronic money corresponding to the desired borrowing amount included in the borrowing application information is given to the user. In order to charge, the charge information transmission means transmits the electronic money information specified by the borrowing application information to the charge information storage means provided on the user side as charge information.

  That is, it is possible to receive a loan with electronic money without using a loan device provided in a store like an existing loan, and the convenience of a borrower receiving the loan can be greatly improved. A high-performance electronic money financing system can be provided.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

  As shown in FIG. 1, an electronic money financing system PS according to an embodiment of the present invention includes a financial institution apparatus Px operated by a financial institution operating a money lending business and an electronic money service company that provides an electronic money service. An electronic money management device Py to be operated is provided, and these financial institution side device Px and electronic money management device Py communicate with a user side terminal device Q used by a user via a communication line such as the Internet INT. It is configured to be possible.

  Hereinafter, the user side terminal device Q, the financial institution side device Px, and the electronic money management device Py will be specifically described.

  The user side terminal device Q is a general mobile phone having a mail transmission / reception function. As shown in FIG. 2, the control unit 101 having a CPU 101a, an internal memory 101b, etc., a touch operation button 102, a liquid crystal display, and the like. A display device 103 such as a display, a communication interface 104 for connecting to a communication line via an antenna, a microphone 105, a speaker 106, and the like are provided.

  Then, the user terminal device Q operates the CPU 101b and peripheral devices according to the program stored in the internal memory 101b, and as shown in FIG. 5, the charge information storage means 1a, terminal information storage means 1b, Functions as settlement amount information receiving means 1c, difference information calculating means 1d, settlement availability determination means 1e, desired borrowing amount information receiving means 1f, borrowing application information transmitting means 1g, charge information receiving means 1h, charge usage information output means 1i, etc. Demonstrate.

  The charge information storage unit 1a stores charge information (electronic money information) indicating the remaining amount of electronic money that can be used using the user terminal device Q, and is formed in a predetermined area of the internal memory 101b. Do it. The charge information storage unit 1a is configured to store the charge information received by the charge information receiving unit 1h described later. Thereby, replenishment of so-called charge can be performed. Further, it does not prevent the charge information storage unit 1a from being formed in a predetermined area of a memory (not shown) that is detachable from the user terminal device Q.

  The terminal information storage unit 1b stores information that can identify the user terminal device Q such as a telephone number and an IP address related to the user terminal device Q, and is a predetermined area of the internal memory 101b. Formed. The terminal information storage unit 1b may store user identification information such as a user ID and a password that can be authenticated by the financial institution side device Px. Further, like the charge information storage unit 1a, the terminal information storage unit 1b is not prevented from being formed in a predetermined area of a memory (not shown) that can be attached to and detached from the user terminal device Q.

  The settlement amount information accepting unit 1c accepts settlement amount information relating to the settlement amount, and is configured using the operation buttons 102 and the like. Here, “settlement amount information” refers to information related to the price of goods or services that the user uses for purchase.

  The difference information calculation unit 1d indicates the difference between the payment amount and the electronic money based on the payment amount information received by the payment amount information reception unit 1c and the electronic money information stored in the charge information storage unit 1a. The difference information is calculated.

  Based on the amount of money related to the payment amount information received by the payment amount information receiving unit 1c and the electronic money information stored in the charge information storage unit 1a, the settlement possibility determination unit 1e It is determined whether or not settlement with electronic money information stored in 1a is possible.

  Specifically, the difference information calculated by the difference information calculation means 1d is used for the determination here, and the difference information indicates that the amount related to the payment amount information is less than or equal to the amount related to the electronic money information. If it is, it is determined that payment is possible, while if it indicates less, it is determined that payment is not possible.

  The desired borrowing amount information accepting means 1f accepts desired borrowing amount information indicating the desired borrowing amount of the user, and is configured using the operation button 102 or the like. The desired borrowing amount information received by the desired borrowing amount information receiving means 1f can be stored in a desired borrowing amount information storage means (not shown). Then, the borrowing application information transmitting means 1g, which will be described later, appropriately selects and transmits the desired borrowing amount information received by the desired borrowing amount information receiving means 1f or the desired borrowing amount information stored in the desired borrowing amount information storage means. It is configured to do.

  The borrowing application information transmitting means 1g, when it is judged by the settlement possibility judging means 1e that payment with the electronic money information stored in the charge information storage means 1a is not possible, This is transmitted to the engine side device Px, and is configured using the communication interface 104 or the like. Here, “borrowing application information” refers to information including at least the desired borrowing amount information and user specifying information such as a user ID and password that can specify the user. The borrowing application information may include the difference information calculated by the difference information calculating unit 1d. Here, the user specifying information is configured to transmit information received sequentially using the operation buttons 102, but it does not prevent transmission of information stored in the terminal information storage unit 1b.

  The charge information receiving unit 1h receives charge information transmitted from the electronic money management device Py, and is configured using the communication interface 104 or the like.

  When the user uses electronic money, the charge usage information output means 1i outputs charge usage information including the usage amount to the electronic money management device Py and stores it in the charge information storage means 1a. The electronic money information is changed.

  The financial institution side device Px is an information processing device having a general information processing function. As shown in FIG. 3, the CPU 201, the internal memory 202, an external storage device 203 such as an HDD, and an input device such as a mouse and a keyboard. 204, a display device 205 such as a liquid crystal display, a communication interface 206 for connecting to a communication network such as the Internet INT, and the like.

  The financial institution side device Px operates the CPU 202 and peripheral devices according to the program stored in the internal memory 202, and as shown in FIG. 5, the credit information storage means 2a, the borrowing application information receiving means 2b, It functions as the loan permission / non-permission determining unit 2c, the loan approval information transmitting unit 2d, and the like. Hereinafter, each means will be described in detail.

  The credit information storage means 2a stores the user identification information and the loanable amount information in association with each other, and is formed in at least one predetermined area of the internal memory 202 and the external storage device 203. Here, “financing available amount information” is information indicating the amount of available financing that can be financed to the user, and when the user applies in advance, the financial institution side device Px is operated. This is a so-called loan facility established by financial institutions.

  The borrowing application information receiving means 2b uses the desired terminal borrowing amount information indicating the desired borrowing amount of the user and the user specifying information capable of specifying the user as the borrowing application information from the user terminal device Q to the communication. It is received via a line, and is configured using the communication interface 206 or the like.

  The loan availability determination unit 2c extracts the loanable amount information corresponding to the user identification information included in the borrowing application information received by the borrowing application information receiving unit 2b from the credit information storage unit 2a, and receives the received borrowing application It is determined whether or not the desired borrowing amount information included in the information is within the range indicated by the extracted loanable amount information.

  The loan approval information transmitting unit 2d executes the loan as the electronic money of the desired borrowing amount when the loan permission determining unit 2c determines that the desired borrowing amount information is within the range indicated by the loanable amount information. The loan approval information indicating the approval is transmitted to the electronic money management device Py via the communication line together with the borrowing application information, and is configured using the communication interface 206 or the like. Become.

  Similar to the financial institution side device Px, the electronic money management device Py is an information processing device having a general information processing function, and as shown in FIG. 4, an external storage device 303 such as a CPU 301, an internal memory 302, and an HDD. , An input device 304 such as a mouse and a keyboard, a display device 305 such as a liquid crystal display, a communication interface 306 for connecting to a communication network such as the Internet INT, and the like.

  The electronic money management apparatus Py operates the CPU 302 and peripheral devices according to the program stored in the internal memory 302, and as shown in FIG. 5, the loan approval information receiving means 3a, the charge information transmitting means 3b, It functions as the charge information management means 3c and the like. Hereinafter, each means will be described in detail.

  The loan approval information receiving means 3a receives the loan approval information and the borrowing application information from the financial institution side device Px, and is configured using the communication interface 306 and the like.

  Based on the loan approval information and the borrowing application information received by the loan approval information receiving unit 3a, the charge information transmitting unit 3b sends electronic money corresponding to the desired borrowing amount included in the borrowing application information to the user. In order to charge the electronic money, the electronic money information specified by the borrowing application information is transmitted as charge information to the user terminal device Q, and is configured using the communication interface 306 or the like.

  The charge information management means 3c is transmitted from the loan approval information and borrowing application information received by the loan approval information receiving means 3a, the charge information transmitted by the charge information transmitting means 3b, and the user terminal device Q. Charge usage information and the like are stored and managed in a predetermined area formed in the internal memory 302 while associating the user specifying information with a key.

  Next, the operation of the electronic money financing system PS of the present embodiment will be described using a flowchart or the like separately for each device.

(1) Regarding the operation of the terminal device Q on the user side (1-1) When applying for a charge regardless of the purchase of a product, etc. As shown in FIG. When the amount information is received (step S101), the borrowing application information transmitting unit 1g sends the desired borrowing amount information received by the desired borrowing amount information receiving unit 1f, the user ID and the password to the financial institution side device Px. Transmit (step S102). When the charge information receiving unit 1h receives the charge information transmitted from the electronic money management device Py (step S103), the received charge information is stored in the charge information storage unit 1a (step S104). In this way, it is possible to easily change the charge information storage unit 1a to a state where electronic money is charged and the electronic money can be used as needed.

(1-2) When Applying for Charge When Purchasing Merchandise, etc. As shown in FIG. 7, first, when the payment amount information receiving means 1c receives the payment amount information (step S201), the difference information calculating means 1d Based on the payment amount information received by the payment amount information receiving means 1c and the electronic money information stored in the charge information storage means 1a, difference information indicating the difference between the payment amount and the electronic money is calculated (step S202). ). If the settlement possibility determination unit 1e uses the difference information calculated by the difference information calculation unit 1d, the difference information indicates that the amount related to the payment amount information is less than or equal to the amount related to the electronic money information. (Step S203), it is determined that payment is possible (Step S204). On the other hand, if it indicates less (Step S203), it is determined that payment is not possible (Step S205). Next, when it is determined that the settlement is impossible by the settlement determination unit 1e, the borrowing application information transmission unit 1g uses the settlement amount information received by the settlement amount information reception unit 1c, the user ID and the password, The data is transmitted to the financial institution side device Px (step S206). If the charge information receiving unit 1h receives the charge information transmitted from the electronic money management device Py (step S207), the received charge information is stored in the charge information storage unit 1a (step S208). In this way, it is possible to easily change the charge information storage unit 1a to a state where electronic money is charged and the electronic money can be used immediately. Note that the borrowing application information transmitting unit 1g may transmit the difference information instead of the settlement amount information. In this way, only the shortage can be charged.

(2) Operation of financial institution side device Px As shown in FIG. 8, first, when the borrowing application information receiving means 2b receives the borrowing application information from the user side terminal device Q (step S301), the loan availability judging means. 2c extracts the loanable amount information corresponding to the user identification information included in the received borrowing application information from the credit information storage means 2a, and the desired borrowing amount information included in the received borrowing application information is extracted. It is determined whether or not it is within the range indicated by the loanable amount information (step S302). If the determination result indicates that the desired borrowing amount information is within the range indicated by the loanable amount information (step S303), the loan approval information transmitting means 2d determines that the desired borrowing amount as electronic money of the borrowing amount The loan approval information indicating that the execution is approved is transmitted to the electronic money management apparatus Py together with the borrowing application information (step S304). If the determination result is not within the range (step S303), the loan non-approval information indicating that the loan approval information transmitting unit 2d does not approve the execution of the loan as the electronic money of the desired borrowing amount. It is made to transmit (step S305).

(3) Operation of Electronic Money Management Device Py As shown in FIG. 9, first, when loan approval information receiving means 3a receives loan approval information and borrowing application information from financial institution side device Px (step S401), Based on the loan approval information and the borrowing application information received by the loan approval information receiving unit 3a, the charge information transmitting unit 3b gives electronic money corresponding to the desired borrowing amount included in the borrowing application information to the user. In order to charge, the electronic money information specified by the borrowing application information is transmitted as charge information to the user terminal device Q (step S402). Then, the charge information management means 3c is transmitted from the loan approval information and borrowing application information received by the loan approval information receiving means 3a, the charge information transmitted by the charge information transmitting means 3b, and the user terminal device Q. The incoming charge usage information and the like are stored in a predetermined area formed in the internal memory 302 while associating the user specifying information with the key (step S403).

  In this way, the electronic money financing system PS according to the present embodiment, for example, simply transmits borrowing application information from the user terminal device Q, which is a mobile phone, to the financial institution side device Px, and the financial institution side device Px. Then, the loan availability determination means 2c determines whether or not the desired borrowing amount information included in the user specifying information included in the received borrowing application information is within the range indicated in the loanable amount information, and this loan If the acceptability judging means 2c judges that the desired borrowing amount information is within the range indicated by the loanable amount information, the loan approval information transmitting means 2d approves the execution of the loan as the electronic money of the desired borrowing amount. The loan approval information indicating the fact is transmitted to the electronic money management apparatus Py via the communication line together with the borrowing application information. When the electronic money management device Py receives the loan approval information and the borrowing application information from the financial institution side device Px, the electronic money corresponding to the desired borrowing amount included in the borrowing application information is given to the user. In order to charge the information, the charge information transmitting means 3b transmits the electronic money information specified by the borrowing application information as charge information to the charge information storage means 1a provided on the user side.

  That is, it is possible to receive a loan with electronic money without using a loan device provided in a store like an existing loan, and the convenience of a borrower receiving the loan can be greatly improved. A high-performance electronic money financing system PS can be provided.

  Since the user terminal device Q is a mobile phone of the user, for example, the user can easily use the electronic money financing system PS at any time for 24 hours.

  Further, since the charge information storage means 1a is formed in a predetermined area of a memory provided in the user terminal device Q so as to be built in or detachable, no special member for charging is required. Can be realized at low cost.

  Since authentication information capable of authenticating the user such as a user ID or a password is used as the user identification information, a highly secure operation can be realized in the electronic money financing system PS.

  Further, the user terminal device Q stores the payment amount information receiving means 1c for receiving payment amount information relating to the payment amount, the payment amount information received by the payment amount information receiving means 1c, and the charge information storage means 1a. Settlement enable / disable judging means 1e for judging whether or not settlement with the electronic money information stored in the charge information storage means 1a is possible based on the amount of money related to the electronic money information being made; When the settlement possibility determination unit 1e determines that payment with the electronic money information stored in the charge information storage unit 1a is not possible, the borrowing application information is sent to the financial institution side device Px. Since the borrowing application information transmitting means 1g for transmitting is provided, for example, when purchasing electronic goods or providing services, it is preferable to this. It is possible to respond to.

  In addition, based on the payment amount information received by the payment amount information receiving unit 1c and the electronic money information stored in the charge information storage unit 1a, the user terminal device Q determines the payment amount and the electronic money. Difference information calculation means 1d for calculating difference information indicating the difference between the borrowing information and the borrowing application information transmitting means 1g including the difference information calculated by the difference information calculating means 1d in the borrowing application information. Therefore, it is possible to charge only the shortage of electronic money, and it is possible to prevent unnecessary borrowing of electronic money.

  The present invention is not limited to the embodiment described in detail above.

  For example, the financial institution side device Px and the electronic money management device Py may be operated by the same company, and the financial institution side device Px and the electronic money management device Py are one device. I will not prevent it.

  Moreover, although user ID and password which can authenticate the user are adopted as the user identification information, it is not limited to this.

  Further, the financial institution side device Px and the electronic money management device Py are connected to the Internet INT, but are directly connected using a dedicated line, or a closed communication line such as a wide area Ethernet provided by a specific communication carrier You may make it connect with a net | network.

  Further, the charge information storage unit 1a may be configured not to store the charge information but to sequentially inquire the electronic money management device Py when using it.

  In addition, although a mobile phone is used as the user terminal device Q, a portable device such as a PDA or a notebook personal computer may be used, or a stationary device such as a desktop personal computer may be used. .

  Furthermore, instead of the user terminal device Q, an aspect in which an IC card (not shown) in which charge information storage means (not shown) is formed in a predetermined area of the memory is used may be considered.

  In this case, for example, charge information receiving means (not shown) for receiving charge information transmitted from the electronic money management device Py, and charge information received by the charge information receiving means to the charge information storage means If a terminal device for IC card (not shown) having a charge execution means (not shown) for executing storage is provided connected to a communication line such as the Internet INT, the terminal device Q on the user side is provided. The same effects as when used can be obtained.

  In addition, the specific configuration of each part is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the present invention.

Schematic which shows the electronic money financing system in one Embodiment of this invention. The equipment block diagram of the user side terminal device in the embodiment. The equipment block diagram of the financial institution side apparatus in the embodiment. The equipment block diagram of the electronic money management apparatus in the embodiment. The functional block diagram of the electronic money financing system in the embodiment. The flowchart which shows an example of operation | movement of the user side terminal device in the embodiment. The flowchart which shows an example of operation | movement of the user side terminal device in the embodiment. The flowchart which shows an example of operation | movement of the financial institution side apparatus in the embodiment. 6 is a flowchart showing an example of the operation of the electronic money management apparatus in the embodiment.

Explanation of symbols

INT: Communication line (Internet)
PS ... Electronic money financing system Px ... Financial institution side device Py ... Electronic money management device Q ... User side terminal device 1a ... Charge information storage means 1c ... ··· Payment amount information receiving means 1d ··· Difference information calculating means 1e ··· Settlement acceptability judging means 1g ··· Borrowing application information transmitting means 1h ··· Charge information receiving means 2a ··· Credit Information storage means 2b ... Borrowing application information receiving means 2c ... Loan availability determination means 2d ... Loan approval information sending means 3b ... Charge information sending means

Claims (10)

A financial institution-side apparatus that associates and manages user identification information for identifying a user and creditable amount information that is preset by credit and that indicates a loanable amount that can be loaned to the user; An electronic money management device for managing electronic money information related to the electronic money so that the user can execute a loan as electronic money for the amount of money that can be lent. And an electronic money financing system configured to enable communication between the electronic money management device and the user side terminal device used by the user via a communication line such as the Internet,
The financial institution side device is
Credit information storage means for storing the user identification information and the loanable amount information in association with each other;
Borrowing application information received via the communication line from the terminal device on the user side as borrowing application information with desired borrowing amount information indicating the desired borrowing amount of the user and user specifying information capable of specifying the user Receiving means;
The loanable amount information corresponding to the user identification information included in the borrowing application information received by the borrowing application information receiving unit is extracted from the credit information storage unit, and the desired borrowing amount information included in the received borrowing application information is , Loan availability determination means for determining whether or not it is within the range indicated in the extracted loan available amount information;
When this loan availability determination means determines that the desired borrowing amount information is within the range indicated by the loanable amount information, the loan approval information indicating that the execution of the loan as the electronic money of the desired borrowing amount is approved. The loan application information transmitting means for transmitting to the electronic money management device via the communication line together with the borrowing application information,
In addition, the electronic money management device is
When receiving the loan approval information and the borrowing application information from the financial institution side device, the borrowing application information to charge the user with electronic money corresponding to the desired borrowing amount included in the borrowing application information An electronic money financing system comprising charge information transmitting means for transmitting electronic money information specified in (1) to charge information storage means provided on a user side as charge information.   The electronic money financing system according to claim 1, wherein the user terminal device is a user's mobile phone.   3. The electronic money financing system according to claim 2, wherein the charge information storage means is formed in a predetermined area of a memory provided in the user terminal device so as to be built in or detachable.   The user terminal device includes charge information receiving means for receiving charge information transmitted from the electronic money management apparatus, and stores the charge information received by the charge information receiving means in the charge information storage means. 4. The electronic money financing system according to claim 2, wherein the electronic money financing system is configured as described above. The charge information storage means is formed in a predetermined area of a memory provided in an IC card owned by a user,
Charge information receiving means for receiving charge information transmitted from the electronic money management device, and charge execution means for causing the charge information received by the charge information receiving means to be stored in the charge information storage means 2. The electronic money financing system according to claim 1, wherein an IC card terminal device is provided connected to the communication line.   6. The electronic money financing system according to claim 1, wherein the user identification information is authentication information capable of authenticating a user such as a user ID or a password. The user terminal device is
Based on the amount of money related to payment amount information receiving means for receiving payment amount information related to the payment amount, payment amount information received by the payment amount information receiving means, and electronic money information stored in the charge information storage means Settlement enable / disable determination means for determining whether or not payment with electronic money information stored in the charge information storage means is possible;
Borrowing that transmits the borrowing application information to the financial institution side device when it is determined by the settlement possibility determination unit that payment with the electronic money information stored in the charge information storage unit is not possible The electronic money financing system according to any one of claims 1 to 6, further comprising application information transmission means. The user terminal device is
Difference information calculation means for calculating difference information indicating the difference between the payment amount and the electronic money based on the payment amount information received by the payment amount information receiving means and the electronic money information stored in the charge information storage means. Comprising
The electronic money financing system according to any one of claims 1 to 7, wherein the borrowing application information transmitting unit transmits the difference information calculated by the difference information calculating unit in the borrowing application information. A financial institution side device constituting the electronic money financing system according to claim 1,
A financial institution-side apparatus comprising at least the credit information storage unit, the borrowing application information receiving unit, the loan availability determination unit, and the loan approval information transmission unit. An electronic money management device constituting the electronic money financing system according to claim 1,
An electronic money management device comprising at least the charge information transmission means.

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