Settlement system, server device, terminal device, method and program

Abstract

A settlement system performs on-line settlement and off-line settlement by switching between them, while reducing risk to the business side and not causing a user making payment to be aware of the switching. A terminal device includes selection means for comparing a payment amount with a set amount read from a recording medium and for selecting between off-line processing and on-line processing, depending on a result of the comparison, off-line processing means for performing a process of subtracting the payment amount from the set amount recorded in the recording medium and a process of sending the payment amount to a server device; and on-line processing means for performing a process of sending the payment amount to the server device and a process of updating the set amount when having received an update value. A server device includes server processing means for performing a process of receiving the payment amount from a terminal device and a process of subtracting the payment amount from a balance of an account corresponding to the recording medium, and for performing, in a case of the on-line processing, a process of sending the update value to the terminal device.

1 - 23 . (canceled) 
     
     
         24 . A server device connected to a terminal device, the server device comprising:
 at least one memory storing program instructions; and   at least one processor configured to execute the program instructions to:
 receive, from the terminal device, a payment amount associated with a recording medium; and 
 send an update amount to the terminal device when a limit amount in the recording medium is greater than a balance of an account stored in the memory, 
   wherein the balance is calculated based on the payment amount and the update amount is equal to or smaller than the balance.   
     
     
         25 . The server device according to  claim 24 , wherein the update amount is equal to the balance. 
     
     
         26 . The server device according to  claim 24 , wherein the processor is further configured to execute the program instructions to:
 update a balance of an account corresponding to recording medium, by subtracting the payment amount from the account;   determine whether a limit amount stored in the recording medium is greater than the updated balance, the limit amount being an upper allowable limit for an off-line payment performed by the storage medium; and   in response to a determination that the limit amount is greater than the updated balance, send the update amount.   
     
     
         27 . The server device according to  claim 25 , wherein the processor is further configured to execute the program instructions to:
 update a balance of an account corresponding to recording medium, by subtracting the payment amount from the account;   determine whether a limit amount stored in the recording medium is greater than the updated balance, the limit amount being an upper allowable limit for an off-line payment performed by the storage medium; and   in response to a determination that the limit amount is greater than the updated balance, send the update amount.   
     
     
         28 . The server device according to  claim 24 , wherein the processor is further configured to execute the program instructions to process a payment based on the received payment amount. 
     
     
         29 . The server device according to  claim 25 , wherein the processor is further configured to execute the program instructions to process a payment based on the received payment amount. 
     
     
         30 . The server device according to  claim 26 , wherein the processor is further configured to execute the program instructions to process a payment based on the received payment amount. 
     
     
         31 . The server device according to  claim 27 , wherein the processor is further configured to execute the program instructions to process a payment based on the received payment amount.