Portable electronic medium

• US 4,973,828 A
• Filed: 03/22/1989
• Issued: 11/27/1990
• Est. Priority Date: 04/15/1988
• Status: Expired due to Fees

• Current Assignee: Toshiba Corporation
• Original Assignee: Kabushiki Kaisha Toshiba (Toshiba Corporation)
• Inventors: Matsuoka, Hideo, Naruse, Kazuaki
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US07/327,122
• Time in Patent Office: 615 Days
• Field of Search: 235/380, 235/492
• US Class Current: 235/380
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A portable electronic medium such as an IC card, for example. The IC card incorporates a data memory and CPU and is externally provided with a keyboard and a liquid crystal display. The data memory stores a variety of data which respectively indicates the maximum amount allowed for executing transactions in an effective term, the effective term for transactions, the maximum amount for transactions that can be renewed each effective term, and the effective term between renewals. In addition, the IC card also incorporates a clock circuit which generates data indicating present date. When the card holder enters into a transaction using the IC card, the CPU compares data related to the date with the effective term for transactions. If the CPU identifies from the result of comparison that the present date is out of the effective term for transactions, CPU then automatically renews the effective term for transactions and updates maximum amount allowed for transactions by applying data indicating the effective term applicable to renewal and maximum amount for transactions to be renewed.

Claims

1. A portable electronic medium, comprising:

first memory means for storing term data which relates to an effective time of the medium;

second memory means for storing maximum amount data indicating a monetary amount allowed for executing transactions to the medium within the effective time;

third memory means for storing renewable data indicating a monetary amount for setting new maximum amount data in the second memory means;

timer means for generating data relating to time;

comparison means for comparing the data generated by the timer means with the term data in the first memory means; and

renewal means for renewing the maximum amount data in the second memory means in accordance with the renewable data in the third memory means when the comparison means indicates that the data generated by the timer means exceeds the term data in the first memory means.

2. A portable electronic medium according to claim 1, wherein the renewal means includes a monetary amount comparing means for comparing the maximum amount data in the second memory means with the renewable data in the third memory means, and the renewal means renews the maximum amount data only when the monetary amount comparing means indicates that the maximum amount data is less than the renewable data.

3. A portable electronic medium according to claim 1, wherein the renewal means stores the renewable data read from the third memory means into the second memory means so that the renewable data indicates newly-provided maximum amount data.

4. A portable electronic medium according to claim 1, wherein the renewal means generates newly-provided maximum amount data by adding the renewable data in the third memory means to the maximum amount data in the second memory means.

5. A portable electronic medium according to claim 1, wherein the second memory means stores a plurality of maximum amount data each for one of a plurality of accounts, and the third memory means stores a plurality of renewable data each corresponding to one of the maximum amount data, respectively.

6. A portable electronic medium according to claim 1, further comprising:

input means for entering monetary amount data indicating transaction data associated with the medium; and

subtracting means for subtracting the monetary amount data entered by the input means from the maximum amount data in the second memory means.

7. A portable electronic medium according to claim 1, wherein:

said first memory means stores term data relating to an effective date;

said timer means includes calendar means for generating data relating a present date; and

said comparison means compares said effective date with said present date.

8. A portable electronic medium according to claim 1, further comprising:

fourth memory means for storing renewable term data which relates to a next effective time;

another renewal means for renewing the term data in the first memory means in accordance with the renewable term data in the fourth memory means when the comparison means indicates that the data generated by the timer means exceeds the term data in the first memory means.

9. A portable electronic medium according to claim 8, wherein:

said first memory means stores term data relating to an effective date;

said timer means includes calendar means for generating data representing a present date; and

said comparison means compares said effective date with said present date.

10. A portable electronic medium according to claim 9, wherein the fourth memory means includes the number of days in a term as the renewable term data, and another renewal means generates newly-provided term data by adding the number of days to the term data in the first memory means.

11. A portable electronic medium according to claim 8, wherein the first memory means stores a plurality of term data, each for one of a plurality of accounts, and the fourth memory means stores a plurality of renewable term data each corresponding to one of the term data, respectively.