Patent ID: 6402027
Filing Date: 2002-06-11
Classification: G06Q

Abstract:
An electronic banking method using an electronic money card of a type in which a token type and a value type are mixed, comprising the steps of:storing issuance numbers of electronic money having a fixed face value and a balance of coin money in terms of a value amount in said electronic money card, paying the coin money if the coin money balance is sufficient for a transaction amount and paying bill money when the coin money balance is insufficient for payment, issuance numbers of bills paid/received being recorded in a transaction history in a memory area of said electronic money card; and reading from an electronic money card an issuance number of an invalid bill and issuance numbers of bill money in a depositing operation, and accumulating the numbers in a computer of a bank, the issuance number of the invalid bill being an issuance number of bill money which was changed into coins and hence became invalid.