PRIVATE ELECTRONIC VALUE BANK SYSTEM

摘要

In order that an electronic value may be used while retaining safety, convenience and economy for both the service over the network and the real service the electronic value to be issued to a user is managed in an electronic wallet (7a) of a private electronic value bank (7), and the electronic value managed in the electronic wallet of the bank is cashed to a mobile electronic wallet (5b) in a smart card (5a) of a portable terminal (5) of the user. The two electronic wallet are so connected that the electronic wallet is operated through the network when the mobile electronic wallet is operated. When the electronic value in the smart card is used for a service provided in a real environment, for example, at a ticket gate of a railway station, no on-line transaction occurs upon each use, but the electronic wallet of the bank is updated when the portable terminal and the bank communicate later.