JP2002049872A - Method and system for providing digital money by using network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To urge a user to open the account of a bank. SOLUTION: A mail distribution server 10 distributes an electronic mail to which temporary digital money that can be converted into electronic money to a client 20 through a network. The temporary digital money has data on an exchange valid period to digital money. When temporary digital money is transmitted to a bank server 30 from the client 20, the bank server 30 judges whether it is in the exchange valid period or not based on data on the exchange valid period of temporary digital money. When temporary digital money is judged to be in the exchange valid period, an account open page is provided to the client 20. The account of the user is established based on it and information on the account is stored in an account data base 34, temporary digital money is paid to the account and temporary digital money is exchanged into digital money.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to the provision of electronic money using a network, which issues temporary electronic money that can be exchanged for electronic money under a certain condition on a network and provides the temporary electronic money to a user. The present invention relates to a method and a system for providing electronic money using a network.

[0002]

2. Description of the Related Art Conventionally, there has been known a method in which an organizer provides a coupon to a user, for example, when a campaign for selling goods is performed. This coupon is
For example, a predetermined amount of money such as 1,000 yen is displayed, and the coupon can be used like cash when the user performs shopping in the campaign. For example, when purchasing a product of 10,000 yen, cash of 10,000 yen is required. However, by giving a coupon of 1,000 yen, the coupon can be reduced to 1,000 yen at the venue of the campaign or the like. Since the user has the same value as cash, if the user pays 9,000 yen cash together with the 1,000 yen coupon, the user can purchase a 10,000 yen product.

[0003] Also, a method is known in which a store or the like issues a point card unique to the store, and when a product is purchased at the store, points are given according to the purchase price. And if points are accumulated to some extent,
The points can be exchanged for a product equivalent to the points at a store or the like.

[0004] Furthermore, it is known that, for example, when a user is prompted to open an account at a bank, various privileges such as preferential interest rates are given according to the deposit amount. It is known that a direct mail is distributed by e-mail to a client associated with the user in order for the user to know the account opening guidance and the like.

[0005]

However, in the above-mentioned conventional method, even if a coupon or a point is provided,
They differ essentially from actual cash. Therefore, the provision of coupons and points was not substantially different from the discount of goods. For example, in the case of the conventional technology, even if a coupon of 1,000 yen is provided,
That is equivalent to reducing the purchase price of a product by 1,000 yen. Also, in the campaign, although the coupon has the same value as cash,
It cannot be used like cash without any restrictions. For this reason, it was difficult to sufficiently stimulate users' willingness to purchase only by providing coupons and points.

[0006] On the other hand, in the case where cash is actually given to a user who has arrived at a campaign venue or the like, the user can obtain cash without actually purchasing a product at the campaign venue or the like. And the risk is high for the campaign organizer.

[0007] Further, even when a bank is urged to open an account by a user, it is insufficient as a service to give an impact to the user at present, as many banks provide similar services. Therefore, in providing such various services, there is a demand for a method that can increase the user's willingness to purchase and encourage the user to open an account at a bank by a new method.

[0008]

In order to solve the above-mentioned problems, a method for providing electronic money using a network according to the first aspect of the present invention can be exchanged for electronic money on a network under certain conditions. Issue temporary electronic money,
A method of providing the provisional electronic money to a user,
From the mail delivery server, deliver the email with the temporary electronic money attached to the client via the network,
When the temporary electronic money is transmitted from the client to the bank server, the bank server deposits the temporary electronic money into an account stored in the account database and corresponding to the user associated with the client,
The provisional electronic money is exchanged for electronic money.

According to a second aspect of the present invention, in a method for providing electronic money using a network, temporary electronic money which can be exchanged for electronic money under certain conditions is displayed on a page provided on the network to a client. And transmitting the provisional electronic money to the bank server, and when the provisional electronic money is transmitted from the client to the bank server, the bank server associates the provisional electronic money with the client stored in the account database. It is characterized in that provisional electronic money is paid into an account corresponding to a user, and the provisional electronic money is exchanged for electronic money.

According to a third aspect of the present invention, there is provided a method for providing electronic money using a network, wherein temporary electronic money which can be exchanged for electronic money under certain conditions is provided to a client on a page provided by a shop server on the network. When the user related to the client purchases a product on the page provided by the shop server, the provisional electronic money can be transmitted to the bank server, and the provisional electronic money is transmitted from the client to the bank server. When money is sent,
The bank server deposits provisional electronic money into an account corresponding to a user associated with the client stored in an account database, and exchanges the provisional electronic money for electronic money.

According to a fourth aspect of the present invention, in the electronic money providing method using the network according to the third aspect, when a client purchases a product on a page provided by the shop server, the purchase of the product is performed. Is provided to the client, and when the payment information input from the client is transmitted to the bank server on the page, the bank server, based on the payment information, Identify the account corresponding to the user and the payee account stored in the database and transfer the price based on the purchase of the product from the account corresponding to the user to the payee account. And

The invention of claim 5 is the invention of claims 1 to 4.
In the method for providing electronic money using a network according to any one of the above, when transmitting temporary electronic money to the bank server, the client can specify an account corresponding to a user associated with the client. Transmitting identification information to the bank server, wherein the account database of the bank server stores a user's account in association with an identification number;
When the identification information is transmitted, an account corresponding to the user associated with the client is specified from the account database based on the identification information.

[0013] The invention of claim 6 is the invention of claims 1 to 4.
In the method for providing electronic money using the network according to any one of the above, the bank server opens an account by allowing the client that has transmitted the provisional electronic money to input predetermined information. Provide an opening page, when the information entered in the account opening page is transmitted from the client to the bank server, while opening an account based on the information,
The information is stored in the account database.

[0014] The invention of claim 7 is the invention of claims 1 to 6.
In the method for providing electronic money using the network according to any one of the above, the provisional electronic money has data of a validity period of exchange to the electronic money, and the bank server transmits the provisional electronic money. If the temporary electronic money is within the valid exchange period, it is determined whether or not the valid electronic money is within the valid exchange period based on the data of the valid exchange period of the provisional electronic money. The provisional electronic money is exchanged for electronic money.

The electronic money providing system using a network according to the invention of claim 8 issues temporary electronic money that can be exchanged for electronic money under a certain condition on the network and provides the temporary electronic money to a user. A mail delivery server that attaches provisional electronic money to an e-mail and distributes the e-mail to a client via a network; a bank server that receives the provisional e-money transmitted from the client; An account database storing information on the account of the client, and when the provisional electronic money is transmitted from the client, the bank server stores the account corresponding to the user associated with the client stored in the account database. And deposit the temporary electronic money Characterized in that it replaced the child money.

According to a ninth aspect of the present invention, a system for providing electronic money using a network issues temporary electronic money that can be exchanged for electronic money under a certain condition on a network and provides the temporary electronic money to a user. A temporary electronic money providing server that provides a page displaying a temporary electronic money image to a client, a bank server that receives the temporary electronic money transmitted from the client, and information about a user's account. An account database, wherein when the temporary electronic money is transmitted from the client, the bank server deposits the temporary electronic money into an account stored in the account database and corresponding to the user associated with the client. In addition, the temporary electronic money is exchanged for electronic money To.

An electronic money providing system using a network according to a tenth aspect of the present invention provides
A shop server that provides a page for purchasing a product to a client and displays temporary electronic money that can be exchanged for electronic money on a page under certain conditions, and a temporary electronic money transmitted from the client. A bank server that receives information about the user's account, and the bank server, when the temporary electronic money is transmitted from the client, stores the temporary electronic money stored in the account database. It is characterized in that provisional electronic money is deposited into an account corresponding to a user associated with a client, and the provisional electronic money is exchanged for electronic money.

According to an eleventh aspect of the present invention, in the electronic money providing system using the network according to any one of the eighth to tenth aspects, the provisional electronic money comprises:
When the temporary electronic money is transmitted, the bank server, based on the data of the temporary electronic money exchange validity period, determines whether or not it is within the exchange validity period when the temporary electronic money is transmitted. On the condition that the provisional electronic money is determined to be within the exchange validity period,
The provisional electronic money is exchanged for electronic money.

In the invention of claim 1 or claim 8,
Temporary electronic money is attached to the electronic mail distributed from the mail distribution server to the client. This temporary electronic money is not electronic money itself, but can be exchanged for electronic money under certain conditions. Then, when the temporary electronic money is transmitted from the client to the bank server, the temporary electronic money is deposited in the account corresponding to the client, and the temporary electronic money is exchanged for the electronic money.

Therefore, electronic money can be given to a specific user. For example, when a campaign for opening an account at a bank related to the bank server is held, the temporary electronic money is transmitted to the client, so that the user can be prompted to open an account.
In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash. If the provisional electronic money can be exchanged for electronic money on condition that an account is opened, the effect of the campaign can be further enhanced. Furthermore, since the provision to the user first is not the electronic money itself but the provisional electronic money, even if many provisional electronic moneys are distributed to the client, the provisional electronic money provider does not suffer any loss.

In the invention of claim 2 or claim 9, the provisional electronic money is displayed as an image on a page provided on a network, and the provisional electronic money displayed as an image is clicked on a client. When the temporary electronic money is sent to the bank server after the client has sent the temporary electronic money directly to the bank server or imported the imaged temporary electronic money to the client, the temporary electronic money is deposited in the user's account, and this temporary electronic money is deposited. Money is exchanged for electronic money.

Therefore, electronic money can be given to the user. For example, when a campaign to open an account at a bank related to the bank server is held, if temporary electronic money can be exchanged for electronic money on condition that an account is opened, users will be encouraged to open an account. Can be. In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash.

The image displayed on the page is not the electronic money itself but temporary electronic money. If the temporary electronic money can be exchanged for electronic money on condition that an account is opened, the client can display the image on the page. Even if the temporary electronic money is displayed as an image so that it can be imported, the provider of the temporary electronic money does not suffer any loss.

Furthermore, if temporary electronic money is image-displayed on various pages provided on the network, the advertising effect of the bank can be enhanced, and the opening of an account at the bank can be encouraged. In particular, when there is a user group (for example, in their twenties to thirties) that the bank wishes to open an account, if temporary electronic money is displayed as an image mainly on pages frequently accessed by the user group, the user group is Can be promoted to the center.

According to the third or tenth aspect of the present invention, when a user purchases a product on a shopping page or the like provided by a shop server, the client can receive temporary electronic money. Then, the user can send the provisional electronic money taken into the client to the bank server, deposit it into his own account, and exchange the provisional electronic money for electronic money.

Therefore, by giving electronic money to a user who has purchased a product on a shopping page or the like, the purchase of the product can be encouraged. At the same time, if temporary e-money can be exchanged for e-money on condition that an account is opened at the bank and payment related to product purchases is made at that bank, users can be encouraged to open an account and make payment. it can. In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash.

The image displayed on the page is not the electronic money itself but the temporary electronic money. If the temporary electronic money can be exchanged for the electronic money on condition of the purchase of the product, etc., the temporary electronic money can be displayed on the page. Even if the electronic money is displayed as an image, the provisional electronic money provider does not suffer any loss.

[0028]

An embodiment of the present invention will be described below with reference to the drawings. (First Embodiment) FIG. 1 is a block diagram showing a first embodiment of the present invention. In the present embodiment, a mail delivery server 10, a client 20, and a bank server 30 are provided. The mail distribution server 10 is a server that transmits an e-mail to a specific or unspecified client 20 on a network. This email is
This is a direct mail for guidance on bank product sales, services provided by the bank server 30, and the like.

The client 20 is a computer on the user side, and is connected to the bank server 3 via a network.
0 You can browse pages provided by other servers. The bank server 30 is a server provided by the bank, and provides a bank homepage and various pages linked to the homepage when accessed by the client 20 on the network.
As a page provided by the bank server 30, for example,
A product information page, an account opening page, a settlement page for transferring money from one's own account to another's account, and the like.

When sending an electronic nail to the client 20 via the network, the mail delivery server 10 attaches temporary electronic money to the electronic mail. Here, the temporary electronic money is not the electronic money itself but can be exchanged for electronic money under certain conditions. The temporary electronic money has data of an effective period (exchange effective period) in which the temporary electronic money can be exchanged for electronic money. The validity period is set, for example, about one week after the date of sending the e-mail. And
The e-mail displays a validity period during which the provisional electronic money can be exchanged for electronic money and a method of exchanging the provisional electronic money, for example, a URL for accessing a homepage provided by the bank server 30 or the like. In the present embodiment, an e-mail is transmitted to the client 20 in order to guide a user who does not have an account in the bank related to the bank server 30 to open an account.

When an e-mail is sent from the mail distribution server 10, the client 20 can take out temporary electronic money attached to the e-mail. Then, the provisional electronic money can be transmitted to the bank server 30.

The provisional electronic money receiving means 31 of the bank server 30 receives the provisional electronic money when the provisional electronic money is transmitted from the client 20. And
When the provisional electronic money receiving unit 31 receives the provisional electronic money transmitted from the client 20, the validity period determination unit 32 checks the exchange validity period data included in the provisional electronic money, Is determined. Here, when it is determined that the temporary electronic money has expired, the bank server 30 returns information including a message to that effect to the client 20.

When the validity period determining means 32 determines that the provisional electronic money is within the exchange validity period, the account opening means 33 first sends the client 20 an account for opening an account at the bank. Provide an opening page.
On this account opening page, the user related to the client 20 is requested to input information about the user, for example, an address, a name, and the like.

On the account opening page, the user
Predetermined information is input to the client 20, and the input information is transmitted from the client 20 to the bank server 30. And the account opening means 33 of the bank server 30
The information about the user transmitted from the client 20 is received. Then, the account opening means 33 opens an account of the user based on this information.

The bank server 30 has an account database 34. This account database 34
It stores information about the user's account, and stores the user's identification information, that is, the account number and password,
It is stored in association with information on the account (information such as deposit / withdrawal history and deposit balance), and is configured from a storage medium such as a hard disk, for example. And
When opening an account of the user, the account opening means 33 stores the user's identification information in the account database 34 in association with the information on the account.

When the user's account is opened, the account opening means 33 of the bank server 30 transmits an account number and user-specific identification information (such as a password) to the client 20. Next, the electronic money exchange execution means 35 of the bank server 30 deposits the received temporary electronic money into the opened account. Thus, the deposited temporary electronic money is exchanged for electronic money. Here, the electronic money exchange executing means 35 may exchange the temporary electronic money for electronic money at the same time (immediately) with the payment to the account, but provides a certain period of time (for example, about three days), During the period, the provisional electronic money may enter the account and cannot be used like electronic money. Then, after the lapse of the period, the provisional electronic money may be exchanged for electronic money.

Note that a campaign or the like may be held for a user who already has an account at a bank, and provisional electronic money may be given. At this time, when the user has transmitted the provisional electronic money from the client 20 to the bank server 30, first, a page for inputting whether or not the user has an account at the bank is provided. Then, when information indicating whether the user has an account at the bank is transmitted from the client 20, the information is received.

When it is determined based on the received information that the user has an account, the bank server 30 inputs the user's account number and other identification information to the client 20. Serve pages. Then, from the client 20 to the bank server 30
Then, when identification information such as an account number is transmitted, the identification information is received, and the user's account stored in the account database 34 is specified based on the identification information. Then, when the user's account is specified, provisional electronic money may be deposited into the account. On the other hand, when the bank server 30 receives information indicating that the user does not have an account, the account opening page may be provided to the client 20 as described above.

In this embodiment, the mail distribution server 10 and the bank server 30 have been described separately. However, the bank server 30 may have the function of the mail distribution server 10. That is, the bank server 30
An e-mail for instructing the bank to open an account may be delivered to the client 20. Furthermore, in this embodiment, the provisional electronic money is provided with an exchange validity period, but may not be provided with an exchange validity period.

(Second Embodiment) FIG. 2 is a block diagram showing a second embodiment of the present invention. In the present embodiment, a providing server 40 that provides contents and a client 2
0 and a bank server 30. Client 20
Is a computer on the user side, similar to the first embodiment, and can browse pages provided by the providing server 40 and the bank server 30 via a network. The bank server 30 is a server having a function as a bank, as in the first embodiment.

The providing server 40, on the network,
It is a server that provides predetermined content. When an access is made from the client 20, predetermined content is provided to the client 20. Then, at least a part of the page provided by the providing server 40 displays an image of guidance for opening an account to a bank. In this account opening guidance, if the temporary electronic money is introduced to the bank server 30 and the temporary electronic money is transmitted to the bank server 30, the temporary electronic money can be transferred to the user's account at the same time as opening the account at the bank. The content includes that the deposited temporary electronic money can be exchanged for electronic money. Along with the account opening guidance, the temporary electronic money is displayed as an image in the form of, for example, a coin.

The icon of the provisional electronic money displayed on the image is linked to an account opening page provided by the bank server 30. Therefore, the user sees the account opening guidance page provided by the providing server 40,
When the user wants to open an account, by clicking on the provisional electronic money displayed in the image, the provisional electronic money is transmitted to the bank server 30 and from that page,
It is possible to move to an account opening page provided by the bank server 30.

Thereafter, as in the first embodiment, the bank server 30 receives the temporary electronic money transmitted from the client 20 and, if it has data on the exchange validity period, adds the data to the data. Then, it is determined whether or not it is within the exchange validity period. Then, when it is determined whether or not it is within the exchange validity period, when it is determined that the exchange is within the exchange validity period, information on the user is transmitted from the client 20 to the bank server 30 and the account is determined based on the information. Is established, and information on the user's account may be stored in the account database 34.

In the above first and second embodiments, the settlement of the provisional electronic money attached to the e-mail distributed from the mail distribution server 10 and the provisional electronic money provided by the provision server 40 are as follows. And do it.
First, the organizer of a campaign or the like for giving temporary electronic money has an account in the bank server 30. And, within the account balance of the organizer of the campaign etc.,
Issue temporary electronic money. The issued temporary electronic money is attached to an e-mail or displayed on a page provided by the providing server 40. Here, the issuance of the provisional electronic money alone does not deduct the provisional electronic money equivalent from the balance of the account of the organizer of the campaign or the like.

Then, the temporary electronic money is transmitted from the client 20 to the bank server 30, and when the temporary electronic money is transferred to the user's account and exchanged for electronic money, the amount of the temporary electronic money is changed to the organizer of the campaign or the like. From your account to your account.

(Third Embodiment) FIG. 3 is a block diagram showing a third embodiment of the present invention. In the present embodiment, a shop server 50 that provides a shopping mall page on a network, a client 20, and a bank server 30 are provided. The shop server 50 provides the client 20 with a shopping page in which a plurality of shops provide products or services. The shop server 50 includes a product database 51 in which information such as a product name and a shop name is stored in a searchable manner.

Provided by the shop server 50,
Temporary electronic money is displayed as an image on the shopping page of a specific shop, as in the second embodiment. When purchasing a product on the shopping page provided by the shop server 50, the user inputs a product number or the like to be purchased from the client 20, and transmits this information to the shop server 50.

Upon receiving this information, the shop server 50 provides the client 20 with a page for performing payment for the purchase of the product. In this page, a bank related to the bank server 30 is set as one of the financial institutions that perform settlement. And the bank server 30
Is selected, a link is provided to move to a payment page provided by the bank server 30.

Further, the settlement page shows that when settlement is performed by a bank related to the bank server 30, provisional electronic money is given to the user.
Then, when performing settlement by the bank related to the bank server 30, the client 20 can take in the provisional electronic money displayed as an image and store it in the memory. Note that the provisional electronic money may have exchange validity period data as in the first embodiment.

When the user inputs from the client 20 that payment is to be made by the bank relating to the bank server 30 and transmits the information, the payment page providing means 36 of the bank server 30 sends a payment page to the client 20. Provided. This page has columns for inputting the user who is the purchaser of the product, the name of the payee, the name and account number, and the price (settlement amount) of the product.

When the information input on this page is transmitted from the client 20 to the bank server 30, the settlement execution means 37 of the bank server 30
Upon receiving this information, the payer and the payee's account are identified from the account database 34 based on this information, and the payment is performed to transfer the payment amount from the user's account to the payee's account. . When this payment is made,
The settlement executing means 37 of the bank server 30 returns information indicating that the settlement has been executed to the client 20.

When the settlement is performed by the bank server 30, the user can send the provisional electronic money from the client 20 to the bank server 30, deposit it in its own account, and exchange it for electronic money. For example, the temporary electronic money is provided with an ID unique to the shop server 50, and when the temporary electronic money is transmitted, the bank server 30 determines the ID of the temporary electronic money. Then, the user's account related to the client 20 is specified from the account database 34, and the settlement history is determined.

The bank server 30 purchases a product on the shopping page provided by the shop server 50 based on the user's payment history, and determines whether or not the payment has been made. When it is determined that the payment has been made, the bank server 30 permits the provisional electronic money transmitted from the client 20 to be deposited in the user's account. Further, similarly to the first embodiment, when the provisional electronic money has data of an exchange valid period in which the temporary electronic money can be exchanged for electronic money, it is determined whether or not it is within the exchange valid period.

In this embodiment, when a user purchases a product, provisional electronic money may be given to the user regardless of whether or not payment has been made by a bank related to the bank server 30. For example, the temporary electronic money may be provided with restriction information to be taken into the client 20, and when a product is purchased, the restriction information may be removed.

[0055]

According to the invention of claim 1 or claim 8,
Electronic money can be given to the user. For example, when a campaign for opening an account at a bank related to the bank server is held, the temporary electronic money is transmitted to the client, so that the user can be prompted to open an account. In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash. If the provisional electronic money can be exchanged for electronic money on condition that an account is opened, the effect of the campaign can be further enhanced. Furthermore, since the provision to the user first is not the electronic money itself but the provisional electronic money, even if many provisional electronic moneys are distributed to the client, the provisional electronic money provider does not suffer any loss.

According to the second or ninth aspect of the present invention, electronic money can be given to the user. For example, when a campaign to open an account at a bank related to the bank server is held, if temporary electronic money can be exchanged for electronic money on condition that an account is opened, users will be encouraged to open an account. Can be. In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash.

The image displayed on the page is not the electronic money itself but the temporary electronic money. If the temporary electronic money can be exchanged for electronic money on condition that an account is opened, the client can display the image on the page. Even if the temporary electronic money is displayed as an image so that it can be imported, the provider of the temporary electronic money does not suffer any loss.

Further, if the provisional electronic money is image-displayed on various pages provided on the network, the advertising effect of the bank can be enhanced, and the opening of an account at the bank can be encouraged. In particular, when there is a user group (for example, in their twenties to thirties) that the bank wishes to open an account, if temporary electronic money is displayed as an image mainly on pages frequently accessed by the user group, the user group is Can be promoted to the center.

Further, according to the third or tenth aspect of the present invention, it is possible to encourage the purchase of a product by giving electronic money to a user who has purchased the product on a shopping page or the like. At the same time, if temporary e-money can be exchanged for e-money on condition that an account is opened at the bank and payment related to product purchases is made at that bank, users can be encouraged to open an account and make payment. it can. In particular, the effect can be further enhanced by giving the user electronic money equivalent to actual cash.

The image displayed on the page is not the electronic money itself but the temporary electronic money. If the temporary electronic money can be exchanged for the electronic money on condition that the product is purchased, etc., the temporary electronic money can be displayed on the page. Even if the electronic money is displayed as an image, the provisional electronic money provider does not suffer any loss.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is a block diagram showing a second embodiment of the present invention.

FIG. 3 is a block diagram showing a third embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Mail distribution server 20 Client 30 Bank server 31 Temporary electronic money receiving means 32 Expiration date judging means 33 Account opening means 34 Account database 35 Electronic money exchange executing means 36 Payment page providing means 37 Payment executing means 40 Providing server 50 Shop server 51 Product Database

Claims (11)

[Claims] 1. A method for issuing temporary electronic money that can be exchanged for electronic money under a certain condition on a network and providing the temporary electronic money to a user, wherein the temporary electronic money is attached from a mail distribution server. The temporary electronic money from the client to the bank server, the bank server responds to the user associated with the client stored in the account database. Deposit temporary electronic money into the account
A method for providing electronic money using a network, wherein the provisional electronic money is exchanged for electronic money. 2. On a page provided on a network, temporary electronic money that can be exchanged for electronic money under a certain condition is displayed as an image to a client, and the temporary electronic money can be transmitted to a bank server. When the temporary electronic money is transmitted from the client to the bank server, the bank server deposits the temporary electronic money into an account stored in the account database and corresponding to the user associated with the client, and transmits the temporary electronic money to the account. A method for providing electronic money using a network, wherein electronic money is exchanged for electronic money. 3. On a page provided by a shop server on a network, temporary electronic money that can be exchanged for electronic money under a certain condition is displayed as an image to a client, and a page provided by the shop server is displayed on the page. When the user related to the client purchases a product, the provisional electronic money can be transmitted to a bank server. When the provisional electronic money is transmitted from the client to the bank server, the bank server stores an account database. A method for providing electronic money using a network, comprising: depositing provisional electronic money into an account corresponding to a user associated with a client stored in the client; and exchanging the provisional electronic money for electronic money. 4. The method for providing electronic money using a network according to claim 3, wherein when a client purchases a product on a page provided by the shop server, payment for the purchase of the product is performed. Providing a page to the client, and when the payment information input from the client is transmitted to the page to the bank server, the bank server stores the page in the account database based on the payment information. The account corresponding to the user associated with the client and the account of the payee, and transferring the payment based on the purchase of the product from the account corresponding to the user to the payee's account. Electronic money offer method. 5. The method according to claim 1, wherein:
In the method for providing electronic money using the network according to the item, when transmitting the temporary electronic money to the bank server, the client sends identification information capable of specifying an account corresponding to a user associated with the client to the bank. Transmitting to the server, the account database of the bank server stores the user's account in association with the identification number, and when the identification information is transmitted, the bank server, based on the identification information, And specifying an account corresponding to the user associated with the client from the account database. 6. One of claims 1 to 4
In the method for providing electronic money using a network according to the paragraph, the bank server provides an account opening page for opening an account by inputting predetermined information to the client that has transmitted the temporary electronic money. When the information input to the account opening page is transmitted from the client to the bank server, an account is opened based on the information and the information is stored in the account database. A method of providing electronic money using the Internet. 7. One of claims 1 to 6
In the method for providing electronic money using the network according to the item, the temporary electronic money has data of an exchange validity period to the electronic money, and the bank server, when the temporary electronic money is transmitted, Based on the data of the validity period of the provisional electronic money, it is determined whether or not the provisional electronic money is within the validity period, and on the condition that the provisional electronic money is determined to be within the validity period, the provisional electronic money is A method for providing electronic money using a network, characterized by exchanging for electronic money. 8. A system for issuing temporary electronic money that can be exchanged for electronic money under a certain condition on a network and providing the temporary electronic money to a user, wherein the temporary electronic money is attached to an e-mail, A mail distribution server that distributes the e-mail to a client via a network, a bank server that receives temporary electronic money transmitted from the client, and an account database that stores information about a user's account; When the temporary electronic money is transmitted from the client, the temporary electronic money is deposited in the account corresponding to the user associated with the client stored in the account database, and the temporary electronic money is transferred to the electronic money. Electronic management using a network characterized by exchanging Providing system. 9. A system for issuing temporary electronic money that can be exchanged for electronic money under a predetermined condition on a network and providing the temporary electronic money to a user, wherein a page displaying the temporary electronic money as an image is displayed on a client. A provisional electronic money providing server, a provisional electronic money providing server, a bank server receiving the provisional electronic money transmitted from the client, and an account database storing information on a user's account, wherein the bank server provides the provisional electronic money from the client. When money is transmitted, the temporary electronic money is deposited into an account corresponding to the user associated with the client stored in the account database, and the temporary electronic money is exchanged for electronic money. Electronic money providing system using a network. 10. A shop server which provides a client with a page for purchasing a product on a network and displays an image of temporary electronic money which can be exchanged for electronic money under a predetermined condition on the page, A bank server that receives the provisional electronic money transmitted from the client, and an account database that stores information on a user's account, wherein the bank server, when the provisional electronic money is transmitted from the client, A system for providing electronic money using a network, wherein temporary electronic money is deposited into an account corresponding to a user associated with the client stored in an account database and the temporary electronic money is exchanged for electronic money. . 11. A system for providing electronic money using a network according to any one of claims 8 to 10, wherein the provisional electronic money has data of a validity period of exchange with the electronic money, When the provisional electronic money is transmitted, the bank server determines whether or not the provisional electronic money is within the exchange validity period based on the data of the provisional electronic money exchange validity period. A system for providing electronic money using a network, wherein the provisional electronic money is exchanged for electronic money on condition that the electronic money is determined to be within the network.