Bank system program, credit service program and IC card

• US 20040128247A1
• Filed: 12/16/2003
• Published: 07/01/2004
• Est. Priority Date: 12/20/2002
• Status: Abandoned Application

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Mishina, Yusuke, Sato, Akiko
• Application Number:
  US10/735,872
• Publication Number:
  US 20040128247A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

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.

Claims

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.

2. The program according to claim 1, wherein

said bank account is a common bank account for pooling sums to be transferred to said credit service provider system and allows no withdrawal by any user once he or she has made a deposit in it.

3. The program according to claim 1, wherein

said deposit information includes at least the sum deposited.

4. The program according to claim 1, wherein

at the step of storing deposit information certifying said deposit into the IC card,

said program enables said server for bank service provider to execute the steps of:

encrypting said deposit information with a public key of said credit service provider system; and

as signing a signature with a secret key of said bank service provider system.

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.

6. The program according to claim 5, wherein

said bank account is a common bank account for pooling sums to be transferred to said credit service provider system and allows no withdrawal by any user once he or she has made a deposit in it.

7. The program according to claim 6, wherein

said deposit information includes at least the sum deposited.

8. The program according to claim 6, wherein

at the step of causing deposit information to be reflected in said data related to financial status,

said program enables said server for credit service provider to execute the steps of:

verifying with a public key of said bank service provider system with a signature assigned to said deposit information; and

decrypting said deposit information with a secret key of said credit service provider system.

9. The program according to claim 7, wherein

at the step of determining the availability of credit service to said user on the basis of said data related to financial status and making the credit service available,

said program enables said server for credit service provider to execute the steps of:

causing said sum deposited in said deposit information to be temporarily reflected in the credit limit in said data related to financial status; and

assessing the temporarily reflecting credit limit in comparison with the sum of a requested transaction on credit.

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.

11. The IC card according to claim 10, wherein

said bank account is a common bank account for pooling sums to be transferred to said credit service provider system and allows no withdrawal by any user once he or she has made a deposit in it.

12. The IC card according to claim 11, wherein said deposit information includes at least the sum deposited.

13. The IC card according to claim 12, wherein

in storing said deposit information into said memory or providing said deposit information which is stored,

said bank service provider system and credit service provider system exchange in advance public keys matching secret keys they respectively hold.