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ELECTRONIC PURSE SYSTEM HAVING A DOUBLE-STRUCTURED PURSE, IC CARD APPLICABLE TO THE ELECTRONIC PURSE SYSTEM, IC CARD TRANSACTION APPARATUS HAVING A DOUBLE-STRUCTURED PURSE, IC CARD TRANSACTION SYSTEM HAVING A DOUBLE-STRUCTURED PURSE, AND IC CARD APPLICABLE TO THE

  • US 20020046186A1
  • Filed: 03/10/1998
  • Published: 04/18/2002
  • Est. Priority Date: 10/01/1997
  • Status: Abandoned Application
First Claim
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1. An electronic purse system having a double-structured purse comprising:

  • a portable type of card-formed carrier body comprising a first rewritable and non-volatile memory in turn having a first area in which a first deposited amount is stored and a second area in which a second deposited amount is stored, and an I/O terminal for accessing information stored in said first and second non-volatile memories respectively;

    when accessing said first area, ciphered information received from said I/O terminal is de-ciphered, access is permitted if a code number included in the de-ciphered information satisfies a prespecified relation, and when accessing said second area, access to said second area is permitted if an identification number indicating a type of accessible transaction apparatus;

    a withdrawing machine for transferring all or a portion of a deposited amount to the first area of the memory in said card-formed carrier body, which ciphers at least either one of identification information for the apparatus and a code number inputted by the card holder and transfers the ciphered information or number to said card-formed carrier body;

    an input unit for inputting a code number and a amount of money to be transferred from said first area to said second area in said card-formed carrier body;

    a transfer unit for supplying the code number, amount of money to be transferred, and identification information inputted by said input unit to said card-formed carrier body; and

    a device in the user'"'"'s side for transmitting an amount of money used and the apparatus information to use a deposited amount stored in the second area of said card-formed carrier body;

    wherein said card-formed carrier body updates said first area, when transfer is instructed by said transfer unit and said individual'"'"'s authorization number is accepted, by subtracting a specified amount of money from the deposited amount stored in said first area, and also writes the specified amount of money in said second area, and allows, when an amount of money to be used is instructed from said device in the user'"'"'s side and at the same time access to said second area is permitted according to said identification information, use of the instructed amount of money with said device in the user'"'"'s side by subtracting said amount of money to be used.

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