Patent ID: 7946475

Claim:
A financial server comprising: a receiver; at least one processor; and at least one memory device storing instructions which when executed by the at least one processor, cause the at least one processor to operate with the receiver to: (a) receive, from an IC card terminal having authenticated an owner of a financial IC card based on authentication information stored in the financial IC card: (i) card specification information which specifies the financial IC card; and (ii) amount information; (b) provide, to an electronic money server: (i) the amount information; and (ii) owner identification information for the owner specified by the card specification information, the electronic money server being configured to transmit, to a monetary terminal, amount change information for increasing/decreasing an amount of a monetary value, the monetary terminal being configured to increase/decrease an amount of the monetary value stored in said monetary terminal based on the amount change information; and (c) bill the owner for a fee based on the provided amount information.