Patent ID: 7900825
Filing Date: 2011-03-08
Classification: G06Q,G07F

Abstract:
1. An electronic money system comprising: an electronic money terminal for reading account information stored in a portable device for a first account and having a withdrawing means for withdrawing a transaction amount of electronic money representing monetary value associated with the first account, and processing means for calculating a balance due when the transaction amount exceeds an amount stored in the first account; electronic money management means for compiling the transaction amount of electronic money withdrawn through said electronic money terminal, the amount due calculated by a balance due processing means to defer payment of the balance due; and a second account reading means for reading account information stored in the portable device for a second account at the electronic money terminal; account querying means for querying a management computer having information on the second account for accepting or denying use of the second account to credit the balance due for the transaction amount exceeding the amount stored in the first account; and a second account crediting means for crediting the portable electronic device responsive to the second account querying means.