Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable terminal used therein

• US 6,029,892 A
• Filed: 11/17/1998
• Issued: 02/29/2000
• Est. Priority Date: 11/15/1996
• Status: Expired due to Fees

• Current Assignee: Akiko Miyakae
• Original Assignee: Akiko Miyakae
• Inventors: Miyake, Susumu
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US09/192,589
• Time in Patent Office: 469 Days
• Field of Search: 235/375, 235/382, 235/380, 235/492, 235/379
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• 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 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/122 Online card verification
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 2215/32 Involving wireless systems

Abstract

On a credit IC card, issuing by a credit card company, brought by a credit payer with him/her is stored at least personal information for identifying a credit card company, a card number and a credit payer. Based on input of a code number by the credit payer and the stored information read out from the credit IC card, a cellular telephone is used to automatically inquire of an information center of the credit card company whether the credit can be gained. This can therefore eliminates complication involved by payment using the credit IC card and ensures smooth use of the credit IC card, with the cost performance being increased to spread the expensive credit IC card.

Claims

1. A method for electronically transferring personal information on a credit gaining card comprising:

receiving an IC card;

storing in the IC card at least personal information for identifying a card issuing organization, a card number and a card user;

automatically inquiring to an information center of the card issuing organization on whether the credit can be gained based on input of a code number by the card user;

electronically reading out the stored information from the IC card;

providing to a portable terminal a function for making connection with the IC card to automatically perform the inquiry and for displaying a result of the inquiry;

connecting the IC card to the portable terminal;

inputting the code number using push-button digits on the portable terminal;

making the inquiry by utilizing a radio call function of the portable terminal; and

displaying a result of the inquiry on the portable terminal.

2. A method for electronically transferring personal information on a credit gaining card comprising:

receiving an IC card;

storing in the IC card at least personal information for identifying a card issuing organization, a card number and a card user;

automatically inquiring to an information center of the card issuing organization on whether the credit can be gained based on input of a code number by the card user;

electronically reading out the stored information from the IC card;

providing to a portable terminal a connection with the IC card to automatically perform the inquiry and for displaying a result of the inquiry;

connecting the IC card to the portable terminal;

inputting the code number using push-button digits on the portable terminal;

making the inquiry by utilizing a radio call function of the portable terminal; and

displaying a result of the inquiry on the portable terminal, wherein

the size of the IC card is made smaller than that of a regular magnetic card on which the personal information is magnetically written so that the IC card can be inserted into the portable terminal,

the IC card is inserted into an adapter card which is a large as a regular magnetic card, and

the personal information is read out as information magnetically written in the adapter card which has a compatibility with the magnetic card.

3. A method for electronically transferring personal information on a credit gaining card comprising:

receiving an IC card;

storing in the IC card at least personal information for identifying a card issuing organization, a card number and a card user;

automatically inquiring to an information center of the card issuing organization on whether the credit can be gained based on input of a code number by the card user;

electronically reading out the stored information from the IC card, wherein

the size of the IC card is made smaller than that of a regular magnetic card on which the personal information is magnetically written so that the IC card can be inserted into a portable terminal;

inserting the IC card into an adapter card which is as large as a regular magnetic card; and

reading out the personal information as information magnetically written in the adapter card which has a compatibility with the magnetic card.