PROBLEM TO BE SOLVED: To provide an electronic money loaning system which enables the loaning of electronic money without the use of a loaning device installed at a store, improves convenience on a debtor's side, and is excellent in performance.;SOLUTION: A financial side device Px is provided with; a credit information storage means 2a which stores user identification information and loanable amount of money; a loan application information reception means 2b which receives a desired amount of loan and the user identification information, as the loan application information, from a user side terminal device Q; a loan approval-or-disapproval determination means 2c which determines whether the desired amount of loan is within a range indicated in loanable amount information; and a loan approval information transmission means 2d which transmits a message that the execution of loaning by electronic money is approved to an electronic money management device Py when the desired amount of loan is within the range indicated in the loanable amount information. In addition, the electronic money management device Py is provided with a charge information transmission means 3b which charges electronic money to a user when it receives the loan approval information and the loan application information from the financial side device Px.;COPYRIGHT: (C)2006,JPO&NCIPI
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