Banking system equipped with a radio linked portable terminal

• US 6,098,055 A
• Filed: 02/05/1997
• Issued: 08/01/2000
• Est. Priority Date: 02/07/1996
• Status: Expired due to Term

• Current Assignee: NEC Corporation
• Original Assignee: NEC Corporation
• Inventors: Watanabe, Mitsuhiro
• Primary Examiner(s): CANGIALOSI, SALVATORE A
• Application Number:
  US08/795,201
• Time in Patent Office: 1,273 Days
• Field of Search: 380/24, 380/25, 380/30, 235/380, 705/21, 705/73, 705/75, 705/79
• US Class Current: 705/73
• 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 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

In order to provide a banking system having an IC card available anytime anywhere with no risk of the security information plagiary because of the missing IC card, no complexity of the IC card usage, nor problem of the discharged battery, a banking system of the present invention comprises radio communication means to be connected to a center terminal (5) of a financial organization (4) by way of a radio communication network for drawing an amount from and depositing an amount to a bank account in the financial organization (4), the bank account being identified by a bank password. The radio communication means includes a radio linked portable terminal (1) and an IC card (2) to be connected to the radio linked portable terminal, the IC card comprising a memory for storing information of an available amount reserved for the IC card (2) and a processor for adding an amount drawn from the bank account to the available amount and subtracting an amount to be deposited to the bank account from the available amount.

Claims

1. A banking system comprising:

radio communication means to be connected to a center terminal of a financial organization by way of a radio communication network for drawing an amount from and depositing an amount to a bank account in said financial organization, said bank account being identified by a bank password;

wherein said radio communication means includes a radio linked portable terminal and an IC card to be connected to said radio linked portable terminal, said IC card comprising

a memory for storing information of an available amount reserved for the IC card and a processor for adding an amount drawn from said bank account to said available amount and subtracting an amount to be deposited to said bank account from said available amount; and

means for confirming coincidence of a first input password entered from outside with said bank password stored within,

said IC card having no display for displaying said first input password.

2. A banking system recited in claim 1, wherein said IC card has no input key for inputting said first input password.

3. A banking system recited in claim 1, wherein said first input password is entered through said radio linked portable terminal and transferred to said IC card.

4. A banking system recited in claim 1, wherein said IC card further comprises means for confirming coincidence of a second input password entered from outside with a user password stored therein.

5. A banking system recited in claim 1, wherein said radio linked portable terminal comprises:

a memory for storing a public-key; and

means for ciphering information to be guarded into a cryptogram to be stored in said IC card making use of said public-key.

6. A banking system recited in claim 5, wherein said radio linked portable terminal further comprises:

means for reading out and deciphering cryptograms stored in said IC card making use of said public-key and an input password entered as a secret-key.

7. A banking system recited in claim 1, wherein said IC card further comprises:

a memory for storing a public-key; and

means for reading out and deciphering cryptograms stored therein making use of said public-key and an input password entered as a secret-key through said radio linked portable terminal and transferred thereto.

8. A banking system recited in claim 1, wherein said radio linked portable terminal comprises a power supply for supplying said IC card.