IC card system compatible with bank account system
First Claim
1. An IC card system, comprising:
- an IC card device containing at least one IC (integrated circuit) chip which includes;
first memory means, for storing personal identification number (PIN) data;
first comparing means for comparing said PIN data, stored in said first memory means, with externally entered PIN data; and
second memory means, said second memory means having;
a first area for storing data for a debit function, anda second area for storing data for a credit function;
said IC card system further includinga terminal device for communicating various items of data to said IC card device when said IC card device is inserted in said terminal device, the terminal device including selecting means for determining whether said IC card device is to be used as a debit card or a credit card, said selecting means being arranged to be activated when said first comparing means detects a coincidence of said PIN data.
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Accused Products
Abstract
In an IC card system, a first file corresponding to a normal bank account and a second file corresponding to an IC card account are provided for each IC cardholder. A card terminal for receiving an IC card communicates in an on-line manner with a host computer installed in a bank. A deposit amount is transferred between the first and second files for a transaction using the IC card. The IC card stores an account list for the transfer of a remittance to an account of a third party, so that a cash transfer from the first or second file to the account of the third party can be performed. The IC card functions both as a debit card and a credit card. When either of these functions is selected, an off-line transaction involving use of the IC card can be performed.
243 Citations
8 Claims
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1. An IC card system, comprising:
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an IC card device containing at least one IC (integrated circuit) chip which includes; first memory means, for storing personal identification number (PIN) data; first comparing means for comparing said PIN data, stored in said first memory means, with externally entered PIN data; and second memory means, said second memory means having; a first area for storing data for a debit function, and a second area for storing data for a credit function; said IC card system further including a terminal device for communicating various items of data to said IC card device when said IC card device is inserted in said terminal device, the terminal device including selecting means for determining whether said IC card device is to be used as a debit card or a credit card, said selecting means being arranged to be activated when said first comparing means detects a coincidence of said PIN data. - View Dependent Claims (2, 3, 4)
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5. An IC card system, comprising:
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an integrated circuit (IC) card device containing at least one IC chip that includes first memory means for storing personal identification number (PIN) data, comparing means for comparing said PIN data, stored in said first memory means, with externally entered PIN data, second memory means for storing a card holder'"'"'s account number corresponding to the IC card device, and third memory means for storing a number of account numbers for enabling remittance to an account of a respective third party; a terminal device for communicating various items of data to said IC card device when said IC card device is inserted in said terminal device; and a host computer installed at a bank and coupled to said terminal device, the host computer having an IC card account file; said IC device further including output means for outputting (a) the card holder'"'"'s account number as stored in said second memory means, and (b) a number of other account numbers stored in said third memory means to said terminal device when said comparing means detects a coincidence; and said host computer further including remitting means for remitting a predetermined amount of money from an account designated by the card holder'"'"'s account number as transferred from said IC card device, to an account designated by one of the other account numbers as transferred from said IC card device. - View Dependent Claims (6, 7, 8)
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Specification