To utilize the advantages of a current prepaid card that is simple and sure and suitable to the settlement of small amounts and also to secure the unitary management of both the transaction data on a network and the balance of the prepaid card.
When the amount received from a user is confirmed, a virtual prepaid card including the value information on a prescribed amount is issued against the virtual prepaid card request given via a terminal 4 (4A, 4B) that is used by the purchasers of commodities. Then a commodity is purchased via the terminal 4 and the amount of the commodity is subtracted from the value information of the prepaid card. At the same time, the user is charged via a terminal 5 (5A, 5B) that is used by the sellers of commodities, and an amount equivalent to the purchase commodity is paid to the user out of the received amount. Thus the prepaid balance can be acquired, given, used and settled in the same concept as the prepaid card. As a result, this account settlement system is suitably applied to the settlement of transactions for the commodities of small amounts. Furthermore, the unitary management is attained via an account settlement center 1 between the acquisition of the prepaid balance and the transaction data and the balance related to the application. Consequently, the transaction safety is secured.
TACHIHARA KATSUMI
KOROGI SHOJI
OCHIAI YUJI
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