Patent ID: 7346578

Claim:
A system for transaction settlement with an electronic cashing card having a non-authentication money processing memory and an authentication money processing memory, said system comprising: means for updating an authentication money balance stored in a money balance area of the authentication money processing memory on the card and for updating a non-authentication money balance stored in a money balance area of the non-authentication money processing memory on the card, said means updating the authentication money balance to a money balance amount after settlement when a transaction is settled by an authentication process having a requirement for a personal authentication to be matched, said means updating the non-authentication money balance to an amount less than or equal to the stored authentication money balance when the transaction is settled by the authentication process; and means for comparing the non-authentication money and the authentication money balances on the card and determining that an illegal process has been performed with the card when the non-authentication money balance is larger than the authentication money balance.