Credit card system and method of using credit card with such credit card system

• US 5,777,306 A
• Filed: 04/05/1996
• Issued: 07/07/1998
• Est. Priority Date: 05/02/1995
• Status: Expired due to Term

• Current Assignee: Mitsubishi UFJ Nicos Company Limited (Mitsubishi UFJ Financial Group Incorporated)
• Original Assignee: Nippon Shinpan Co. Ltd. (Mitsubishi UFJ Financial Group Incorporated)
• Inventors: Masuda, Hidehiro
• Primary Examiner(s): PITTS, HAROLD I
• Application Number:
  US08/628,866
• Time in Patent Office: 823 Days
• Field of Search: 235/379, 235/380, 235/487
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4033 Local solvency checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/1066 PIN data being compared to data on card
• CPC Class Codes: G07F 7/12 Card verification

Abstract

A credit card system has a card having at least identification information and management information recorded thereon, a first system for determining whether a credit card can be used or not, and a second system for determining whether the credit card can be used or not. The first system has a communication device for communicating with the second system, a card reader for reading the identification information and the management information recorded on the credit card, and a system processor for determining whether the credit card can be used or not, and judging whether usability of the credit card is to be determined by the first system or the second system based on the management information recorded on the credit card. The system processor indicates or displays resultant data as to whether the credit card can be used or not as determined by the first system if usability of the credit card is to be determined by the first system, and inquires the second system about usability of the credit card through the communication device if usability of the credit card is to be determined by the second system, and indicates or displays resultant data as to whether the credit card can be used or not as determined by the second system.

Claims

1. A credit card system comprising:

a card having at least identification information and management information recorded thereon;

a first system for determining whether a credit card can be used; and

a second system for determining whether a credit card can be used;

the first system comprising;

recording means for recording management information on the credit card, where the management information allows the first system to refer to a reference date ahead of an issuance date;

communications means for communicating with the second system;

reader means for reading the identification information and the management information recorded on the credit card;

decision means for determining whether the credit card can be used;

judgement means for judging whether usability of the credit card is to be determined by the first system or the second system based on the management information recorded on the credit card;

means for inquiring of the second system the usability of the credit card through the communication means if the judgement means determines the second system should make the decision; and

means for indicating whether the credit card can be used; and

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used.

7. A credit card system according to any one of claims 1 2, 3, or 4, wherein the credit card and/or the first system has a limit amount column for recording a limit amount of money at the time the credit card is issued;

further comprising;

means for updating the limit amount of money recorded initially in the limit amount column, decreasing it as the credit card is used;

the decision means comprising;

means for determining whether the credit card can be used based on resultant data produced by comparison between the limit amount of money recorded in the limit amount column and an amount of money of the proposed credit card expenditure.

2. A credit card system comprising:

a card having at least identification information recorded thereon;

a first system for determining whether a credit card can be used; and

a second system for determining whether the credit card can be used;

the first system comprising;

memory means for storing the management information of the credit card;

recording means for recording management information on its memory means when the credit card is issued, where the management information allows the first system to refer to a reference date ahead of an issuance date;

communications means for communicating with the second system;

reader means for reading the identification information recorded on the credit card;

decision means for determining whether the credit card can be used;

judgement means for judging whether usability of the credit card is to be determined by the first system or the second system based on the management information recorded on the credit card;

means for inquiring the second system of the usability of the credit card through the communication means, if judgement means determines the second system should make the decision; and

means for indicating whether the credit card can be used; and

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used.

8. A method according to any one of claims 2, 3, or 4, wherein the credit card and/or the first system has a limit amount column for recording a limit amount of money at the time the credit card is issued;

the first system further comprising;

means for updating the limit amount of money recorded initially in the limit amount column, decreasing it as the credit card is used;

the method further comprising;

the step of determining whether the credit card can be used based on resultant data produced by comparison between the limit amount of money recorded in the limit amount column and an amount of money of the proposed credit card expenditure.

3. A credit card system comprising:

a card having at least identification information recorded thereon;

a first system for determining whether a credit card can be used; and

a second system for determining whether the credit card can be used;

the first system comprising;

communications means for communicating with the second system;

reader means for reading the identification information recorded on the credit card;

inquiry means for inquiring the second system of the usability of the credit card through the communication means;

decision means for determining the usability of the credit card if the second system does not indicate the usability; and

means for indicating whether the credit card can be used; and

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used.

4. A method of using a credit card with a credit card system, the credit card system comprising:

a first system for primarily managing justifiability of a credit card;

a second system for primarily managing credit information of a customer; and

a credit card having storage means for storing at least identification information and management information therein;

the first system comprising;

recording means for recording management information on the credit card, where the management information allows the first system to refer to a reference date ahead of an issuance date;

communication means for communicating with the second system;

reader means for reading the identification information recorded and the management information stored in the storage means of the credit card;

decision means for determining whether the credit card can be used; and

judgement means for judging whether the usability of the credit card is to be determined by the first system based on the management information stored in the storage means of the credit card;

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used;

the method comprising the steps of;

indicating whether the credit card can be used as determined by the decision means, if the judgement means judges that the first system should make the decision;

inquiring the second system about usability of the credit card through the communication means, if the judgement means judges that the second system should make the decision; and

indicating whether the credit card can be used as determined by the second system.

5. A method of using a credit card with a credit card system, the credit card system comprising:

a first system for primarily managing justifiability of a credit card;

a second system for primarily managing credit information of a customer; and

a credit card having storage means for storing at least identification information and management information therein;

the first system comprising;

memory means for storing the management information of the credit card;

recording means for recording management information on its memory means when the credit card is issued, where the management information allows the first system to refer to a reference date ahead of an issuance date;

communication means for communicating with the second system;

reader means for reading the identification information recorded and the management information stored in the storage means of the credit card;

decision means for determining whether the credit card can be used; and

judgement means for judging whether the usability of the credit card is to be determined by the first system based on the management information stored in its memory means;

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used;

the method comprising the steps of;

indicating whether the credit card can be used as determined by the decision means, if the judgement means judges that the first system should make the decision;

inquiring the second system concerning usability of the credit card through the communication means if the judgement means judges that the second system should make the decision; and

indicating whether the credit card can be used as determined by the second system.

6. A method of using a credit card with a credit card system comprising:

a card having at least identification information recorded thereon;

a first system for determining whether a credit card can be used; and

a second system for managing information to determine whether the credit card can be used;

the first system comprising;

communication means for communicating with the second system;

reader means for reading the identification information recorded on the credit card;

decision means for determining whether the credit card can be used;

inquiry means for inquiring the second system about usability of the credit card through the communication means; and

judgment means for judging whether usability of the credit card is to be determined by the first system based on the decision of the second system;

the second system comprising;

generating means for generating a member master file;

decision means for determining whether the credit card can be used based on the member master file;

means for indicating to the first system whether the member master file is completed; and

means for indicating whether the credit card can be used;

the method comprising the steps of;

indicating or displaying resultant data as to whether the credit card can be used as determined by the decision means if the judgment means judges that usability of the credit card is to be determined by the first system based on the response from the second system after the inquiry means inquires the second system about usability of the credit card through the communication means;

indicating or displaying resultant data as to whether the credit card can be used as determined by the second system if the judgment means judges that usability of the credit card is not to be determined by the first system.