Patent ID: 8306879
Filing Date: 2012-11-06
Classification: G06Q,G07F

Abstract:
1. An electronic settlement system comprising: an electronic settlement server capable of requesting, via a communication network, a receiving network capable of transferring money among a user account, a settlement provider account, and a gaming parlor operator account, to make a transfer among the accounts; an in-store server capable of communicating with the electronic settlement server via a communication network; a negotiable value providing device capable of communicating with the in-store server; and a mobile communications terminal capable of communicating, via a communication network, with the in-store server as well as with the negotiable value providing device, wherein the electronic settlement server stores, for each user, a user retained amount that is an amount usable at each in-store server, transmits, to the receiving network, a first transfer request message that requests a user transfer amount corresponding to a transfer amount specified by a user to be transferred from a user account of the user to the settlement provider account, and adds the user transfer amount to the user retained amount and transmits a user deposit processing request message notifying the user transfer amount to the in-store server; the in-store server calculates and stores, according to the user deposit processing request message, a deposit that is an amount deposited by the user; the mobile communications terminal acquires, from the negotiable value providing device, a device identification information that identifies the negotiable value providing device, generates a payment request message including the device identification information, and transmits the payment request message to the in-store server; the in-store server transmits, to the negotiable value providing device identified by the device identification information, in response to the payment request message from the mobile communications terminal, a provision instruction message that instructs a negotiable value to be provided, subtracts an amount corresponding to a user payable amount that is a cost of provision of the negotiable value from the user deposit and adds an amount corresponding to the user payable amount to the user consumed amount, and transmits a consumed amount notification message that notifies the consumed amount to the electronic settlement server; the negotiable value providing device provides a negotiable value corresponding to the user payable amount upon receiving the provision instruction message from the in-store server; and the electronic settlement server adds the consumed amount to a gaming parlor operator retained amount in response to the consumed amount notification message, and transmits, to the receiving network, a second transfer request message that requests the receiving network to transfer an amount corresponding to the gaming parlor operator retained amount from the settlement provider account to the gaming parlor operator account.