Patent ID: 7418425

Claim:
An information processing system comprising: a first information processing apparatus managed by a first business entity performing the management of an electronic money brand in an electronic money service and the management of an affiliate business entity in the electronic money service; first information giving and receiving means for giving and receiving information with a third information processing apparatus managed by a second business entity issuing a second information processing apparatus in which electronic money information and authentication information employed for authentication processing for the electronic money service are recorded, the authentication information including a plurality of keys associated with a plurality of business entities; second information giving and receiving means for giving and receiving information with a fourth information processing apparatus managed by a third business entity providing a service that uses the electronic money, wherein the second information giving and receiving means is in communication with a plurality of reader/writer devices associated with the third business entity and operable to communicate with the second information processing apparatus wherein the reader/writer devices do not store the authentication information recorded in the second information processing apparatus; first recording means for recording the authentication information used for the authentication processing for the electronic money service; second recording means for recording the information regarding the second business entity and the information regarding a tie-up agreement between the first business entity and the second business entity; third recording means for recording the information regarding the third business entity and the information regarding a tie-up agreement between the first business entity and the third business entity; and fourth recording means for recording proxy transactions where the fourth recording means records and completes transactions executed by the first business entity and associated with the second business entity without being in active communication with the second business entity, and where the fourth recording means communicates with the second business entity at a predetermined interval, wherein the first information processing apparatus determines the acceptability of a value loaded on the second processing apparatus based on information related to the electronic money information.