| 摘要 |
The purpose of the present invention is to enhance user convenience by combining stored value type and server management type payment systems. A portable terminal 5 stores a terminal-side value balance in the portable terminal, and an electronic money server 2 stores a server-side value balance related to the terminal-side value balance. At the time of payment, the portable terminal 5 connects to the electronic money server 2 via a payment terminal 6 or the Internet 3. Then, if payment can be made by using the server-side value balance, the electronic money server 2 makes payment by using the server-side value balance; if the server-side value balance is not enough and there is a shortfall, the electronic money server 2 adds an amount corresponding to the shortfall by subtracting the amount from the terminal-side value balance. |
