JPH09245104A - Electronic wallet device - Google Patents

Abstract

(57) [Abstract] [PROBLEMS] To provide an electronic wallet device that suppresses damage caused by unauthorized use by a third party within a certain amount and requires less illegal use protection operation during use. An electronic wallet device (4) includes a virtual wallet (1), a virtual coin purse (2), and a control unit (3). The virtual wallet 1 and the virtual coin purse 2 are configured by using a part or all of the storage device 20 and store electronic money. Control unit 3
Controls the payout of electronic money from the virtual wallet 1 or the virtual coin purse 2 to the payment terminal 5. The electronic coin in the virtual coin purse 2 can be used without user authentication, but the electronic coin in the virtual coin purse 1 cannot be used unless it is confirmed by the user's authentication that it is not illegal use by a third party. Usually, a large amount of electronic money is stored in the virtual wallet 1, and a small amount of electronic money is stored in the virtual coin wallet 2. Electronic money in the virtual wallet 1 is used for high-value shopping, and electronic money in the virtual coin wallet 2 is used for low-value shopping.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system for making payment by exchanging electronic data, and more particularly to an electronic wallet device having a function of protecting a third party from unauthorized use.

[0002]

2. Description of the Related Art Conventionally, there has been known an electronic settlement system in which predetermined electronic data can be stored in an IC card or the like as a substitute for cash and the required fee can be paid by exchanging the electronic data.

FIG. 7 shows the configuration of a fee payment system using an IC card, which is described in, for example, Japanese Patent Laid-Open No. 5-197868. This system includes an IC card 12 in which various types of unique information (such as user ID data, data for identifying a financial institution and an account, a usage limit amount, and a code number) are recorded by a financial institution, and an IC.
Terminal device 1 for accepting payment from the card 12
3, a counting IC card 14 that is mounted on the terminal device 13 and stores payment information from the IC card 12, and a data processing device 15 that mounts the counting IC card 14 and processes data. There is.

In this system, the user uses the IC card 1
When 2 is set in the terminal device 13 and a predetermined operation for payment of the charge is performed, the terminal device 13 subtracts the amount data of the amount of payment from the IC card 12, and further,
The C card 14 stores the same amount of money data together with the user's ID information (account number, etc.). Then, finally, the data processing device 15 calculates the amount to be withdrawn from the financial institution, based on the amount data stored in the counting IC card 14 and the user's ID information.

This system uses monetary data and user's I
Since the fee can be paid by exchanging D information, it can be considered as a form of the electronic wallet system, but the following two points are assumed. That is, firstly, the user's IC card 12 stores a password, and this password is used to confirm the user when the IC card 12 is used. Secondly, when paying. Requires the input of a recitation number each time (however, although there is no description about removing the defense by the recitation number, it is inferred as such from the viewpoint of the function of the recitation number).

[0006]

As described above, in the conventional electronic wallet system, protection against unauthorized use by a third party has been taken into consideration. However, the protection mechanism is intended for the entire electronic wallet device. It was For this reason, when protection is applied, it is necessary to authenticate the user by inputting a recitation number each time the device is used, and the operation and processing must be complicated. On the other hand, if the protection is not applied, there is a problem that all the amount of money stored in the electronic wallet device is at risk of unauthorized use by a third party.

The present invention has been made to solve the above problems, and its purpose is to suppress the damage caused by the unauthorized use of a third party within a certain amount and to prevent the unauthorized use required when the electronic wallet device is used. An object of the present invention is to provide an electronic wallet device that requires few operations.

[0008]

An electronic wallet device according to claim 1 is an electronic wallet device for storing electronic money which gives electronic information a monetary value, for authenticating a user. The authentication unit includes a first electronic money storage unit protected by the authentication unit, and a second electronic money storage unit not protected by the authentication unit.

In this electronic wallet device, since the first electronic money storage unit is protected by the authentication means, if the user's authentication is not obtained, the electronic money stored therein is used to make the payment. I can't. On the other hand, since the second electronic money storage unit is not protected by the authentication means, the electronic money stored therein can be used for payment without the user's authentication.

An electronic wallet device according to a second aspect of the present invention is the electronic wallet device of the first aspect.
In the electronic wallet device described above, further, a comparing means for comparing the payment amount and the balance of the second electronic money storage unit in the payment processing using electronic money, and a first means according to the comparison result by the comparing means. The electronic money storage unit and the second electronic money storage unit are selected for determining.

In this electronic wallet device, the payment amount is the second
Is compared with the balance in the electronic money storage unit, and which electronic money in the electronic money storage unit to use is determined according to the comparison result, and if necessary, the user is authenticated and the payment process is performed. Done.

An electronic wallet device according to a third aspect of the invention is the electronic wallet device of the first aspect.
In the electronic wallet device described above, the upper limit of the electronic money that can be stored in the second electronic money storage unit can be set and changed by the owner.

The electronic wallet device according to claim 4 is the electronic wallet device according to claim 1.
In the electronic wallet device described above, further, when the authentication processing of the user is performed by the authentication means, the second electronic money storage unit is automatically replenished with electronic money up to a predetermined upper limit amount. Equipped with replenishment means.

In this electronic wallet device, the electronic money is automatically replenished in the second electronic money storage unit when the user is authenticated. In this case, replenishment is performed up to a predetermined upper limit.

An electronic wallet device according to a fifth aspect of the present invention is the electronic wallet device of the first aspect.
In the electronic wallet device described above, an arbitrary amount of electronic money can be replenished in the second electronic money storage unit by a user's operation as necessary.

In this electronic wallet device, electronic money is replenished in the second electronic money storage unit by a user's operation. In this case, replenishment is possible up to an arbitrary amount.

The electronic wallet device according to claim 6 is the electronic wallet device according to claim 1.
The described electronic wallet device further includes recording means for recording the usage history of electronic money and display means for displaying the contents of the usage history recorded by the recording means to the owner.

With this electronic wallet device, the owner of the electronic wallet device can refer to the usage history of electronic money at any time.

The electronic wallet device according to claim 7 is the electronic wallet device according to claim 1.
In the electronic wallet device described above, further, means for storing cash card information relating to a cash card function, and the first electronic money storage unit and the second electronic money storage unit having a payment amount of money.
Determining means for determining whether or not the total amount of electronic money stored in the electronic money storage unit is exceeded, and when the amount of payment exceeds the total amount as a result of the determination by the determining means, the cash card information is used. Means for withdrawing a predetermined amount of deposit from the bank account and storing it as electronic money in the first electronic money storage unit, the second electronic money storage unit, or both.

In this electronic wallet device, when the balance of electronic money is insufficient, a deposit is withdrawn from the owner's bank account and replenished in the electronic wallet device.

An electronic wallet device according to claim 8 is the electronic wallet device according to claim 1.
In the electronic wallet device described above, further, means for storing credit card information relating to a credit card function, and a first electronic money storage unit and a second electronic money storage unit for which a payment amount is paid.
Determination means for determining whether or not the total amount of electronic money stored in the electronic money storage unit is exceeded, and when the payment amount exceeds the total amount as a result of the setting by the determination means, the credit card information is used. And means for making payment by credit.

In this electronic wallet device, when the balance of electronic money is insufficient, credit payment is made.

The electronic wallet device according to claim 9 is the electronic wallet device according to claim 1.
In the electronic wallet device according to any one of claims 6 to 6, the electronic wallet function of the electronic wallet device is constructed by software on a computer.

The electronic wallet device according to a tenth aspect of the present invention is the electronic wallet device according to the ninth aspect, further comprising a virtual cash card function, and the balance of electronic money in the electronic wallet device is insufficient for the payment amount. In this case, the virtual cash card function is used to withdraw a predetermined amount of deposit from a bank account and store it as electronic money in the electronic wallet device.

The electronic wallet device according to claim 11 is the electronic wallet device according to claim 9, further comprising a virtual credit card function, and the balance of electronic money in the electronic wallet device is insufficient for the payment amount. In this case, the virtual credit card function is used for payment.

[0026]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

Embodiment 1 FIG. 1 shows a schematic configuration of an electronic wallet device according to an embodiment of the present invention.
The electronic wallet device 4 includes a virtual wallet 1, a virtual coin purse 2, and a control unit 3. The virtual wallet 1 and the virtual coin purse 2 are configured by using a part or the whole of the storage device 20, and electronic information (hereinafter, referred to as electronic currency) given a monetary value is stored therein. It is like this. Electronic money is information for making payment from an electronic wallet device, and includes at least information on its value (usable amount). The control unit 3 is for controlling the payout of electronic money from the virtual wallet 1 or the virtual coin purse 2 to the payment terminal 5.

The electronic wallet device 4 is adapted to be connected to the payment terminal 5 by the user at the time of paying a charge for the purchase of a product, etc., and electronic money is paid from the electronic wallet device 4 to the payment terminal 5. The decision is to be made. The overall shape of the electronic wallet device 4 may be, for example, an IC card or the like, but other forms may be used as long as it includes a storage device and a control unit that manages the storage device.

Now, in FIG. 1, when the electronic wallet device 4 is used for payment, if the electronic money stored in the virtual coin purse 2 is used, any number of people can use it. When the electronic money stored in 1 is used, it can be used only after authenticating the user and confirming that it is not an unauthorized use by a person other than the owner of the electronic wallet device 4. ing. Various methods are conceivable as a user authentication method, for example,
It is possible to perform collation by inputting a code number or password, collation by fingerprint or voice print, and the like. In this case, ID information required for authentication is stored in the electronic wallet device 4 in advance.

Next, a method of using the electronic wallet device having the above-described structure will be described.

In normal use, a large amount of electronic coins is stored in the virtual wallet 1 of the electronic wallet device 4, and a small amount of electronic coins is stored in the virtual coin purse 2. Then, when making a high-value shopping, the electronic money in the virtual wallet 1 is used, and when making a low-value shopping, the electronic money in the virtual coin purse 2 is used. In this case, virtual wallet 1
Since it is necessary to authenticate the user in order to make payment with the electronic money, it is possible to eliminate a large amount of illegal use by a third party. On the other hand, since it is not necessary to authenticate the user in order to make a payment using the electronic coins of the virtual coin purse 2, the complexity of having to perform the authentication operation each time even if a small amount of money is paid is eliminated. Is improved. It should be noted that when using electronic coins in the virtual coin purse 2, authentication is not required, and thus unauthorized use by a third party is possible, but since the virtual coin purse 2 originally stores only a small amount of electronic coins, In that case, the damage amount can be kept low.

Embodiment 2 FIG. Next, another embodiment of the present invention will be described. Since the schematic configuration of the electronic wallet device according to the present embodiment is the same as that in FIG. 1, the description thereof will be omitted to avoid redundant description.

In the present embodiment, when using electronic money, the control unit 3 sets the amount of money to be paid and the amount of money that can be used without authentication (that is, the amount of electronic money in the virtual coin purse 2). Based on the comparison result, it is determined whether to use the electronic money in the virtual wallet 1 or the electronic coin in the virtual coin purse 2, and the selected terminal sends the payment terminal 5 to the payment terminal 5. Make payment.
Specifically, when the amount of money to be paid is less than or equal to the balance in the virtual coin purse 2, electronic money of the virtual coin purse 2 is used for payment, and the amount of money to be paid is the virtual coin purse 2.
When the balance exceeds, the electronic bill in the virtual wallet 1 is used for payment.

As described above, according to the present embodiment, which of the virtual wallet 1 and the virtual coin wallet 2 is to be used is automatically selected according to the amount of payment, so that the user can use one virtual coin wallet at a time. It is not necessary to check the amount of money of 2 and determine whether or not payment is possible with the balance of the virtual coin purse 2, and the usability is further improved.

The upper limit of the amount of electronic money that can be stored in the virtual coin purse 2 can be set or changed by an operation involving user authentication such as input of a password.

Further, the replenishment of electronic coins into the virtual coin purse 2 is automatically performed when the payment from the virtual bill compartment 1 is made.

Further, if necessary, the owner of the electronic wallet device 4 can perform an operation accompanied by authentication to replenish an arbitrary amount of electronic money from the virtual wallet 1 to the virtual coin wallet 2. In this case, as a result of the replenishment, if the balance of the virtual coin purse 2 may exceed the preset upper limit amount, a large amount of electronic money is immediately replenished in the virtual coin purse 2 as necessary. It is possible to supplement the inconvenience of the automatic replenishment process that the replenishment amount is limited and to make the electronic wallet device more convenient to use.

Further, a record relating to the exchange of electronic money (withdrawal amount, date, etc.) is stored in a storage area separately secured in the storage device 20, and can be output later by a dedicated output device or display device. If this is done, income and expenditure management will be possible easily.

Embodiment 3 Next, another embodiment of the present invention will be described.

FIG. 2 shows an electronic wallet device according to another embodiment of the present invention, specifically, an electronic wallet device having the function of a cash card. As shown in this figure, the electronic wallet device 7 includes a cash card information storage unit 6 in addition to the virtual wallet 1, the virtual coin purse 2 and the control unit 3.

The electronic wallet device 7 is connected to the payment terminal 8 with the ATM function by the user when paying a fee for purchasing a product or the like. Then, when the balance of the electronic wallet device 7 (the total balance of the virtual wallet 1 and the virtual coin purse 2) is sufficient for the payment amount, the electronic wallet is processed in the same procedure as described in the above embodiment (FIG. 1). Electronic money is paid from the device 7 to the payment terminal 8 with ATM function,
The decision is made. On the other hand, when the balance of the electronic wallet device 7 is smaller than the payment amount, the payment terminal 8 with the ATM function is used.
Online to a bank, withdraw a predetermined amount of money from the user's bank account, store it in the electronic wallet device 7 (usually in the virtual wallet 1) as electronic money, and then perform the normal procedure (perform the above procedure). Payment is made in the same manner as described in the form (FIG. 1).

In this case, the amount of money to be withdrawn from the bank account is designated by the user on the spot, but in addition to that, for example, one withdrawal amount is set in advance in the electronic wallet device 7 and withdrawal is made in accordance with that amount. You may

When withdrawing a deposit from a bank account, in order to authenticate the user, a predetermined operation necessary for withdrawing the deposit with a normal cash card (input of the recitation number of the cash card, etc.) is performed.

It is also possible to omit the virtual wallet 1 in FIG. In this case, the cash card function takes the role of the virtual wallet 1. That is, when the balance of the virtual coin purse 2 is insufficient at the time of payment, online connection is made to the bank from the payment terminal 8 with ATM function, a predetermined amount of money is withdrawn from the user's bank account, and the virtual coin of the electronic wallet device 7 is used. Store it in the case 2 once.
Then, according to a normal procedure (a procedure similar to that described in the above-described embodiment (FIG. 1)), payment is made from the total amount of the withdrawn amount and the original balance.

Embodiment 4 Next, another embodiment of the present invention will be described.

FIG. 3 shows an electronic wallet device according to another embodiment of the present invention, and more specifically, an electronic wallet device having a credit card function. As shown in the figure, the electronic wallet device 10 includes a credit card information storage unit 9 in addition to the virtual wallet 1, the virtual coin purse 2 and the control unit 3.

The electronic wallet device 10 is connected to the payment terminal 11 with a credit terminal function by the user when paying a fee for purchasing a product or the like. When the balance of the electronic wallet device 10 (the total balance of the virtual wallet 1 and the virtual coin purse 2) is sufficient for the payment amount, the electronic wallet is processed in the same procedure as described in the above embodiment (FIG. 1). Electronic money is paid from the device 10 to the payment terminal 11 with a credit terminal function, and a settlement is made. On the other hand, when the balance of the electronic wallet device 10 is small with respect to the payment amount,
Credit payment is made using the credit card information stored in the credit card information storage unit 9. In this case, the balance in the electronic wallet device 10 does not decrease.

It is also possible to omit the virtual wallet 1 in FIG. In this case, when a payment exceeding the balance of the virtual coin purse 2 is made, a payment decision by credit is performed.

Embodiment 5. In the above embodiments, the electronic wallet device is configured by hardware such as an IC card, but the present invention is not limited to this, and the electronic wallet device may be constructed by software on a computer. It is possible. The electronic wallet device constructed by software will be described below.

When an electronic wallet device is to be constructed by software, the virtual wallet 1 and virtual coin purse 2 in FIG. 1 are stored in a fixed disk or other storage device as a storage unit for files and the like. Further, the control unit 3
It is replaced by a control program and manages withdrawal and withdrawal of electronic coins from the virtual wallet 1 and the virtual coin purse 2.
The electronic wallet device built on the computer is connected to a store, a sales company or the like by a telephone line or other communication lines.
Then, by combining with an ordering system such as electronic catalog shopping, it becomes possible to perform online selection, ordering, and payment of products.

First, the basic processing procedure of the electronic wallet device constructed by software on the computer will be described with reference to FIG.

If payment processing is started after procedures such as ordering of goods, etc., first, the payment amount is compared with the balance of the virtual coin purse 2 (step S101). As a result, when the payment amount does not exceed the balance of the virtual coin purse 2 (step S101; N), the payment process is performed using the electronic money in the virtual coin purse 2 (step S10).
6). On the other hand, when the payment amount exceeds the balance of the virtual coin purse 2 (step S101; Y), user authentication processing such as input of a code number is performed (step S102).

Next, the result of the authentication process is determined (step S103). When the use is approved by the authentication (step S103; Y), the amount specified in the virtual wallet 1 is moved to the virtual coin purse 2 (step S105), and payment is made (step S106). On the other hand, when the use is not recognized by the authentication (step S103;
N) Then, the user is notified that the payment cannot be made by a display or the like (step S104), and the payment process ends.

Embodiment 6 FIG. Next, with reference to FIG. 5, a payment processing procedure when the cash card function is added to the electronic wallet device constructed by software on the computer will be described.

In FIG. 5, when the payment process is started,
First, the payment amount and the balance of the electronic wallet are compared (step S201). As a result, when the payment amount does not exceed the balance of the electronic wallet (step S201; N), the payment process is performed using the electronic money in the electronic wallet (step S208). The payment processing in this case is performed by the same procedure as the processing procedure shown in FIG.

On the other hand, when the payment amount exceeds the balance of the electronic wallet (step S201; Y), first, the user is notified that the deposit is withdrawn from the bank account, and confirmation is made (step S202). When the user's confirmation is obtained, connect to the bank online (step S203),
Next, authentication processing for the bank account (input of code number, etc.)
Is performed (step S204). The authentication process here is different from the authentication process for the virtual wallet 1 performed in steps S102 and S103 of FIG.

Now, when the withdrawal of the deposit is permitted by the authentication processing for the bank account (step S20)
5; Y), a predetermined amount of money is withdrawn from the bank account, stored as electronic money in an electronic wallet, and payment is made from there (step S208). On the other hand, when the withdrawal of the deposit is not permitted by the authentication process for the bank account (step S205; N), the user is notified by a display or the like that the payment cannot be made (step S206), and the payment process ends.

Embodiment 7 FIG. Next, with reference to FIG. 6, a payment processing procedure in the case where a credit card function is added to an electronic wallet device constructed by software on a computer will be described.

In FIG. 6, when the payment process is started,
First, the payment amount is compared with the balance of the electronic wallet (step S301). As a result, when the payment amount does not exceed the balance of the electronic wallet (step S301; N), payment processing is performed using the electronic money in the electronic wallet (step S305). The payment processing in this case is performed by the same procedure as the processing procedure shown in FIG.

On the other hand, when the amount of payment exceeds the balance of the electronic wallet (step S301; Y), first, the user is notified that credit payment will be made and confirmation is made (step S302). When the confirmation of the user is obtained, the information such as the credit number is transmitted to the store, and the credit payment is made (step S304). On the store side, the credit company is inquired using the received credit number and the like, and the approval process is performed.

The present invention has been described above with reference to some embodiments, but the present invention is not limited to these embodiments, and various modifications can be made within the equivalent range.

[0062]

As described above, according to the electronic wallet device of the present invention, the first electronic money storage unit requires user authentication when using electronic money, while the second electronic money storage unit requires the second electronic money storage unit.
Since electronic money can be used without user authentication in the electronic money storage unit of, for example, a large amount of electronic money is stored in the first electronic money storage unit while the second electronic money storage unit is stored. Stores a small amount of electronic money, uses the electronic money of the first electronic money storage unit for high-value shopping, and uses the electronic money of the second electronic money storage unit for low-value shopping It is possible to use it. In this case, since the user's authentication is required to use the electronic money in the first electronic money storage unit, a large amount of illegal use by a third party is excluded. On the other hand, when the electronic money stored in the second electronic money storage unit is used, the user does not need to be authenticated. Therefore, even if a small amount of money is paid, the authentication operation is not necessary each time. , The usability is improved. Further, when using the electronic money in the second electronic money storage unit, authentication is not required, and thus unauthorized use by a third party is possible. However, only a small amount of electronic money is stored in the second electronic money storage unit. By doing so, the damage amount can be kept low.

Particularly, according to the electronic wallet device of the second aspect, the payment amount is compared with the balance of the second electronic money storage unit, and the first electronic money storage unit and the second electronic money storage unit are compared in accordance with the comparison result.
Since any one of the electronic money storage units is selected, it is necessary for the user to check the balance of the second electronic money storage unit one by one and determine whether or not payment is possible within the range of the balance. The usability is further improved.

Further, according to the electronic wallet device of the present invention, the electronic money is automatically replenished in the second electronic money storage unit when the user is authenticated. There is no need to worry about the balance of electronic money in the second electronic money storage unit.

Further, according to the electronic wallet device of the fifth aspect, it is possible to replenish an arbitrary amount of electronic money to the second electronic money storage unit by the operation of the user as necessary. It is also possible to store a large amount of electronic money exceeding the upper limit amount in the second electronic money storage unit. Therefore, it is possible to deal with a special situation in which a large amount of electronic money is to be paid without a user authentication operation.

According to the electronic wallet device of the sixth aspect, the owner of the electronic wallet device can refer to the usage history of electronic money at any time, which is extremely convenient for management.

According to the electronic wallet device of the present invention, when the balance of electronic money is insufficient, the deposit is drawn from the bank account of the owner and replenished in the electronic wallet device. You can avoid the situation where you cannot pay with.

According to the electronic wallet device of the eighth aspect, when the balance of the electronic money is insufficient, the payment can be made by credit. Therefore, in this case as well, the balance is insufficient. It is possible to avoid the situation where payment is not possible.

According to the electronic wallet device according to any one of claims 9 to 11, since the electronic wallet function is constructed by software on the computer, for example, an order for electronic catalog shopping or the like is placed. By combining with the system, it becomes possible to select products, place orders, and make payments online.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an electronic wallet device according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of an electronic wallet device according to another embodiment of the present invention.

FIG. 3 is a block diagram showing a configuration of an electronic wallet device according to still another embodiment of the present invention.

FIG. 4 is a flowchart showing a payment processing procedure by the electronic wallet device according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a payment processing procedure by the electronic wallet device according to another embodiment of the present invention.

FIG. 6 is a flowchart showing a payment processing procedure by an electronic wallet device according to still another embodiment of the present invention.

FIG. 7 is a diagram showing a conventional electronic wallet system.

[Explanation of symbols]

1 virtual wallet, 2 virtual coin purse, 3 control unit, 4,
7, 10 Electronic wallet device, 5 payment terminals, 6 cash card information storage unit, 8 payment terminals with ATM function,
9 credit card information storage unit, 11 payment terminal with credit terminal function, 20 storage device.

Claims (11)

[Claims] 1. An electronic wallet device for storing electronic money by giving a monetary value to electronic information, the authentication means for authenticating a user, and a first protection protected by the authentication means. An electronic wallet device comprising an electronic money storage unit and a second electronic money storage unit which is not protected by the authentication means. 2. Comparing means for comparing a payment amount and a balance of the second electronic money storage unit in a payment process using electronic money, and first electronic money storage according to a comparison result by the comparing means. 2. A determination unit that determines which of the second section and the second electronic money storage section is selected is provided.
Electronic wallet device described. 3. The electronic wallet device according to claim 1, wherein an upper limit amount of electronic money that can be stored in the second electronic money storage unit can be set and changed by an owner. 4. A replenishing unit for automatically replenishing the second electronic money storage unit with electronic money up to a predetermined upper limit when the user performs authentication processing by the authenticating unit. The electronic wallet device according to claim 1, wherein 5. The electronic wallet device according to claim 1, wherein an arbitrary amount of electronic money can be replenished in the second electronic money storage unit by a user's operation as necessary. . 6. The recording medium according to claim 1, further comprising recording means for recording a history of use of electronic money and display means for displaying to the owner the contents of the history of use recorded by the recording means. Electronic wallet device. 7. A means for storing cash card information relating to a cash card function, wherein the payment amount is the first
Determination means for determining whether or not the total amount of electronic money stored in the electronic money storage unit and the second electronic money storage unit is exceeded, and the payment amount exceeds the total amount as a result of setting by the determination means. At this time, a means for withdrawing a deposit of a predetermined amount from the bank account using the cash card information and storing this as electronic money in the first electronic money storage unit, the second electronic money storage unit, or both. The electronic wallet device according to claim 1, wherein the electronic wallet device is provided. 8. A means for storing credit card information relating to a credit card function, wherein the payment amount is the first
Determination means for determining whether or not the total amount of electronic money stored in the electronic money storage unit and the second electronic money storage unit is exceeded, and the payment amount exceeds the total amount as a result of setting by the determination means. The electronic wallet device according to claim 1, further comprising means for making payment by credit using the credit card information. 9. The electronic wallet device according to claim 1, wherein the electronic wallet function of the electronic wallet device is constructed by software on a computer. 10. A virtual cash card function is provided, and when the balance of electronic money in the electronic wallet device is insufficient for the payment amount, a predetermined amount of deposit is withdrawn from the bank account by the virtual cash card function. 10. The electronic wallet device according to claim 9, wherein is stored as electronic money in the electronic wallet device. 11. A virtual credit card function is provided, and when the balance of electronic money in the electronic wallet device is insufficient for the payment amount, payment is performed by the virtual credit card function. Electronic wallet device described.