Bank system program, credit service program and IC card
First Claim
Patent Images
1. A program for controlling a bank service provider system performing banking functions, said bank service provider system comprising:
- a client for bank service provider to be connected to an IC card; and
a server for bank service provider performing banking functions on a user'"'"'s bank account for automatic deduction in which the user'"'"'s money is to be deposited, wherein said program enables said server for bank service provider to execute the steps of;
causing said bank service provider to reflect a deposit by said user in said bank account for automatic deduction, storing deposit information certifying said deposit into the IC card via said client for bank service provider, and transferring the money to pay for the use of credit service on the basis of a financial status in which said deposit information is reflected from said bank account to said credit service provider system.
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Abstract
According to the present invention, there is provided a credit settlement system which enables a bank system and a credit system to be linked to each other by storing data representing information on payment received from any user in an IC card, enables the user to deposit in his or her bank account the payment for any transaction on credit, and enables the user to make a transaction on credit reflecting the payment receipt information even immediately after that deposit.
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Citations
13 Claims
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1. A program for controlling a bank service provider system performing banking functions,
said bank service provider system comprising: -
a client for bank service provider to be connected to an IC card; and
a server for bank service provider performing banking functions on a user'"'"'s bank account for automatic deduction in which the user'"'"'s money is to be deposited, wherein said program enables said server for bank service provider to execute the steps of;
causing said bank service provider to reflect a deposit by said user in said bank account for automatic deduction, storing deposit information certifying said deposit into the IC card via said client for bank service provider, and transferring the money to pay for the use of credit service on the basis of a financial status in which said deposit information is reflected from said bank account to said credit service provider system. - View Dependent Claims (2, 3, 4)
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5. A program for controlling a credit service provider system performing credit service,
said credit service provider system comprising: -
clients for credit service provider each to be connected to an IC card; and
a server for credit service provider which has a financial status database for managing data related to financial statuses of users and performing credit service, wherein said program enables said server for credit service provider to execute the steps of;
receiving from the IC card, via one of said clients for credit service provider, deposit information certifying a deposit by a user into a bank account for automatic deduction;
causing said deposit information to be reflected in data related to financial status managed by said financial status database;
determining the availability of credit service to said user on the basis of said data related to financial status and providing credit service to the user via said clients for credit service provider; and
receiving a transfer of payment for the use of said credit service from a bank account managed by said bank service provider system performing banking functions. - View Dependent Claims (6, 7, 8, 9)
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10. An IC card with a built-in IC chip comprising a memory and a communication unit, wherein
said IC card receives from a bank service provider system performing banking functions, via the communication unit, deposit information certifying a deposit by a user into a bank account for automatic deduction, stores said deposit information into said memory, and when said user is to make use of credit service, provides said deposit information stored via said communication unit to a credit service provider system performing said credit service.
Specification