Terminal device for making payments for credit transactions

• US 4,562,340 A
• Filed: 10/18/1983
• Issued: 12/31/1985
• Est. Priority Date: 10/19/1982
• Status: Expired due to Term

• Current Assignee: Omron Corporation
• Original Assignee: Omron Tateisi Electronics Co. (Omron Corporation)
• Inventors: Shinohara, Yoshitsugu, Tateisi, Kazuma
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US06/543,012
• Time in Patent Office: 805 Days
• Field of Search: 235/379, 235/380, 364/900
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"

Abstract

A terminal device for making payments for credit transactions is connected to and adapted to communicate with a control center which includes a memory having stored therein data relating to a plurality of users of credit cards and to a deposit account of at least one credit company, the control center having the function of transferring a specified sum payable from an account of each user to the account of the credit company. The terminal device comprises a card reader for reading data from either a credit card or a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to an account number of its holder and data for identifying the holder; input means for entering sum payable; a display for showing at least the entered sum payable; a unit for transmitting to the control center at least the entered sum payable the data read by the card reader and relating to the account number of the credit company, such as the company code thereof, and the data read by the card reader and relating to the account number of the holder of the bank card; and a recorder for recording data as to transfer processing on receiving from the control center a message indicating completion of the transfer processing.

Claims

1. A terminal device for making payments for credit transactions which is connected to and adapted to communicate with a control center including a memory having stored therein data as to a plurality of users and as to a deposit account of at least one credit company, the control center having the function of transferring a specified sum payable from an account of the user to the account of the credit company, the terminal device comprising:

a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder,

input means for entering a sum payable,

a display for showing at least the entered sum payable,

means for transmitting to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card, and a recorder for recording data as to transfer processing upon receiving from the control center a message indicating completion of the transfer processing.

2. A terminal device as defined in claim 1 wherein the data relating to the account number of the credit company is a credit company code.

3. A terminal device as defined in claim 1 which further comprises means for entering data for identifying the holder of the bank card, and means for checking whether the holder identifying data read from the bank card bears a predetermined relationship with the identifying data entered by the entering means

4. A terminal device as defined in claim 3 wherein input means for entering sums payable and the means for entering the data for identifying the holder of the bank card are a keyboard.

5. A system for making payments for credit transactions comprising a control center including a memory having stored therein data relating to a plurality of users and to a deposit account of at least one credit company, and a terminal device connected to the control center, the terminal device comprising:

a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder,

input means for entering sum payable,

a display for showing at least the entered sum payable,

communication means for sending to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card and for receiving messages from the control center, and

a recorder for recording data relating to transfer processing upon receiving from the control center a message indicating completion of the transfer processing,

the control center comprising;

communication means for receiving from the terminal device messages containing data relating to payments and for sending to the terminal device messages relating to payments, and

means for transferring the sum payable from the account of the user to the account of the credit company in the memory, based on the message received from the terminal device and containing payment relating data.

6. A system as defined in claim 5 wherein the data relating to the account number of the credit company is a credit company code, and the control center is provided with a table for converting the code to the account number of the credit company.

7. A method for sending payment transaction data to a central station from a remote station comprising, at a remote station, the steps of:

reading from a credit card data relating at least to the account number of a credit company, and to the credit card holder;

reading from a bank card data relating at least to an account number of the bank card holder;

storing a sum payable; and

transmitting to the central station at least the stored sum payable, data relating to the account number of the credit company, and data relating to the account number of the bank card holder.