Patent ID: 7379915

Claim:
An electronic purse loan off-line device for use in a system including said electronic purse loan off-line device, an integrated circuit (IC) card, a bank or center which provides a loan of an amount of money to the user of the IC card and a commercial product or service provider that manages a commercial transaction with the user of the IC card, said electronic purse loan off-line device comprising: an IC card reader/writer which reads information stored in said IC card and write information to said IC card, wherein said information is stored on said IC card in rewritable memory including a balance information storage which stores electronic money information representing a balance of said loan and a loan information storage which stores information representing a loan and information regarding said loan including an upper limit of said loan, transactions using said loan, dates of said transactions, and repayment terms of said loan; and a processor which, when a commercial transaction is made with a commercial product or server provider, subtracts an amount of money to be paid for said commercial transaction from said balance information storage; wherein said IC card reader/writer writes information representing a loan of an amount of money from a bank or center to the user of the IC card and information regarding said loan into said loan information storage of said IC card when said electronic money information representing a balance is less than said amount of money to be paid for the commercial transaction, wherein said processor checks said information representing a loan stored in said IC card and inhibits the commercial transaction if the amount of money to be paid for the commercial transaction is greater than a predetermined amount of money of said information representing a loan, wherein payment of the commercial transaction is performed off-line without being connected to said bank or center.