Communication terminal device

• US 20050218211A1
• Filed: 08/09/2004
• Published: 10/06/2005
• Est. Priority Date: 03/31/2004
• Status: Abandoned Application

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Saso, Yosuke, Nakamura, Hideki, Maeoka, Jun, Nagura, Toru, Hayashi, Toshimitsu
• Application Number:
  US10/913,419
• Publication Number:
  US 20050218211A1
• Time in Patent Office: Days
• US Class Current: 235/380
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices

Abstract

Conventionally, obtaining both information regarding use of a credit card and information regarding an account to which credit card payment is debited is not considered. For instance, when paying by credit using a communication terminal device, obtaining information regarding a payment amount and information regarding a bank balance is not considered. Thus, a communication terminal device capable of transmitting/receiving data, comprises: a communication portion transmitting/receiving data; a display portion displaying information received by the communication portion; and a control portion controlling the communication portion and display portion, wherein the communication portion receives card use information from a server of a card company and account information from a server of a financial institution; and wherein the control portion operates to display the card use information and the account information side-by-side on the display portion.

Claims

1. A communication terminal device capable of transmitting and receiving data, comprising:

a communication portion which transmits and receives data;

a display portion which displays information received by the communication portion; and

a control portion which controls the communication portion and the display portion,

wherein the communication portion receives card use information from a server of a card company and account information from a server of a financial institution, and

wherein the control portion operates to display the card use information and the account information side-by-side on the display portion.

3. The communication terminal device according to claim 1, further comprising a memory portion which stores the card use information and the account information, wherein the control portion reads the card use information and the account information from the memory portion and displays the card use information and the account information regarding the display portion.

4. The communication terminal device according to claim 1, further comprising a credit-limit setting portion which sets a limit to an amount paid by a credit card, wherein the control portion operates to display on the display portion a result of a comparison made between the limit and the card use information.

5. The communication terminal device according to claim 4,

wherein the card use information includes an amount which has been paid by the credit card to date, and

wherein the control portion operates to display on the display portion a fact that the amount which has been paid exceeds the limit by a predetermined proportion, when appropriate.

6. The communication terminal device according to claim 1, wherein the communication portion receives the card use information when a payment is made by a credit card.

7. The communication terminal device according to claim 1, wherein the communication portion periodically receives the card use information.

8. The communication terminal device according to claim 1, further comprising notifier portion which notifies the user of information related to the card use information and the account information.

9. The communication terminal device according to claim 8, wherein the notifier portion notifies the user of the information related to the card use information and the account information regarding the day before a withdrawal date on which the payment made by the credit card is deducted from the account.

10. The communication terminal device according to claim 8, wherein the notifier portion periodically notifies the user of the information related to the card use information and the account information.

11. The communication terminal device according to claim 8, wherein the notifier portion notifies the user of the information related to the card use information and the account information, by sound, light or vibration.

12. The communication terminal device according to claim 1, further comprising an IC card which stores an ID, which is necessary to access the server of the card company or to access the server of the financial institution.

13. The communication terminal device according to claim 1, wherein the user can select a card company to use from a plurality of card companies.

14. The communication terminal device according to claim 1,

wherein the communication portion receives information related to charges for electricity, gas or water, and

wherein the control portion operates to display on the display portion a result of comparison made between the charges for electricity, gas or water and the account information.

15. The communication terminal device according to claim 1,

wherein the communication portion receives withdrawal amount information from the server of each of a plurality of card companies and account balance information from the server of the financial institution, the withdrawal amount information being related to an amount withdrawn from the account for the payment made by the credit card issued from the each card company, and

wherein the control portion operates to display on the display portion a result of a comparison made between a total amount to be withdrawn and the account balance information.

19. The communication terminal device according to claim 1,

wherein the card use information is related to use of a credit card issued to a user of the communication terminal device from a card company,

wherein the account information is related to an account to which a payment made by the credit card is debited.

2. A communication terminal device capable of transmitting and receiving data, comprising:

a communication portion which transmits and receives data;

a display portion which displays information received by the communication portion; and

a control portion which controls the communication portion and the display portion,

wherein the communication portion receives card use information from a server of a card company and account information from a server of a financial institution, and

wherein the control portion operates to display on the display portion a result of a comparison made between the card use information and the account information.

16. A communication terminal device capable of transmitting and receiving data, comprising:

a communication portion which transmits and receives data;

a display portion which displays information received by the communication portion; and

a control portion which controls the communication portion and the display portion,

wherein the communication portion receives card use information from a server of a card company and account information from a server of a financial institution, and

wherein the control portion operates to display the card use information and the account information in a single screen on the display portion.

17. A method of notifying account information, comprising steps of:

receiving card use information from a server of a card company;

receiving account information from a server of a financial institution;

comparing the card use information to the account information; and

notifying the user of a result of the comparison made between the card use information and the account information.

18. A method according to claim 17, wherein the notifying step comprise displaying the result of the comparison.