Patent ID: 7328187

Claim:
A system for issuing a cyber payment means for paying in cyber space marked with business identification information and processing transactions with the cyber payment means on a computer network, the system comprising: a server computer configured to provide services to issue a cyber payment means and processing transactions with the cyber payment means on the computer network; and a database managed by the server computer, wherein the server computer is configured to: receive member information including business identification information and a number of a current account from a user and stores the information by user in the database, issue the cyber payment means at the request of a user accessing the server computer, the cyber payment means being marked with at least a unique number of the cyber payment means, a business identifier of the corresponding user, and an amount of money, store the issued cyber payment means by user in the database; and move the cyber payment means from a first user to a second user inside of the database when the first user, who has the issued cyber payment means, performs payment to the second user using the cyber payment means when the first user is connected to the server wherein the system is configured so that moving the cyber payment means from the first user to the second user inside of the database when the first user, who has the issued cyber payment means, performs payment to the second user includes one or more of the following: (1) receiving a request from the first user that a cyber check is divided into a plurality of cyber checks and paid; and (2) receiving a request from the first user that a plurality of cyber checks are combined into one cyber check and paid, wherein (1) includes: (11) receiving input of a cyber check to be divided from the first user; (12) receiving input of a business identifier of a second user to be paid with a cyber check resulting from the division of the cyber check input in (11), and an amount of money of the cyber check resulting from the division; (13) issuing a cyber check resulting from the division of the cyber check input in (11) with a newly assigned check number, corresponding to the business identifier and divided money input in (12); and (14) receiving a request from the first user for payment to be performed using the divided cyber check issued in (13), and wherein, in (13), the check number of the cyber check resulting from the division of the cyber check input in (11) is assigned corresponding to the check number of the cyber check input in (11) before division, and wherein (2) includes: assigning to the combined cyber check a newly assigned check number corresponding to a check number of one of the plurality of cyber checks before combination.