Payment management method and system using an IC card

• US 6,604,679 B2
• Filed: 07/01/2002
• Issued: 08/12/2003
• Est. Priority Date: 12/21/1999
• Status: Expired due to Fees

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Umezawa, Tomohiro, Morooka, Yoshitsugu, Hino, Masatoshi
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Lee, Seung H
• Application Number:
  US10/184,916
• Publication Number:
  US 20020166892A1
• Time in Patent Office: 407 Days
• Field of Search: 235/376, 235/379, 235/492, 705/17, 705/69
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• 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 payment management method and system for performing suitable payment management, wherein a user of a credit IC card can store a transaction history in the IC card, collate the transaction history with charged amount data possessed by a credit company, quickly confirm a payment due date, judge an illegal demand for purchase by a non-authorized user, and know charged amounts claimed for the next time. The system includes the IC car which stores the transaction history data therein, a terminal device for accessing the data within the IC card, and a serve of the credit company connected to the terminal device via network for storing credit user data demanded by a credit member store therein. The terminal device stores transaction history data at the time of a purchase into the IC card, extracts the credit user data from the server of the credit company, and collates the transaction history data read out from the IC card with the credit user data extracted from the server. The terminal device displays the collated result.

Claims

1. A payment management method for collating transactions utilizing a system which includes an IC card for storing transaction history information in accordance with a transaction utilizing the IC card and transaction discrimination information for discriminating said transaction in coordination therein, and a server for managing said IC card and payment accompanied by the transaction utilizing said IC card, said method comprising the steps of:

storing transaction discrimination information for discriminating transactions at each transaction in said IC card, and storing transaction discrimination information for discriminating each transaction and information indicating contents of each transaction in the server of a card company;

reading out card discrimination information for discriminating said IC card and said transaction history information from said IC card;

reading out transaction history information corresponding to said card discrimination information read out of a recording portion of a card company apparatus;

collating aid transaction history information read out of said IC card and transaction history information stored in said server for each of said transaction discrimination information; and

outputting he result of the collating.

2. A payment management method as set forth in claim 1, further corn rising the step of displaying the collated result on a display device.

3. A payment management method as set forth in claim 2, wherein said step of displaying the collated result includes a step of displaying the collated result as divided into a charged amount claimed next time and a charged amount claimed after the next time.

4. A payment management method as set forth in claim 2, wherein, upon the collation, when credit demand data is present in the server but the transaction history information corresponding to the credit demand data is not present in the IC card, the transaction history information corresponding to the credit demand data is newly stored in the IC card, data indicative of an unknown demand is added to the added transaction history information, and the collated result is displayed.

5. A payment management method as set forth in claim 4, further including the steps of displaying at least the transaction history information of already paid or of the unknown demand in the transaction history information stored in the IC card, and then deleting the transaction history information.

6. A payment management method as set forth in claim 4, further including a step of issuing an inquiry relating to the transaction history data of the unknown demand to the card company by the user who gives an instruction on a display screen showing the collated result.

7. A payment management method for collating transactions utilizing a system which includes an IC card for storing transaction history information in accordance with a transaction utilizing the IC card, transaction discrimination information for discriminating said transaction, and transaction related information including demand date information for indicating a payment date concerned with said transaction in coordination therein, and a server for managing said IC card and payment accompanied by the transaction utilizing said IC card, said method comprising the steps of:

storing transaction discrimination information for discriminating transactions at each transaction in said IC card, and storing transaction discrimination information for discriminating each transaction and information indicating contents of each transaction in the server of a card company;

reading out card discriminating information for discrimination said IC card and said transaction related information from said IC card;

reading out transaction related information corresponding to said card discriminating information read out from said recording portion of a card company apparatus;

collating transaction related information read out of said IC card and transaction related information stored in said server for each of said transaction discrimination information; and

outputting he result of said collating.

8. A payment management method as set forth in claim 7, wherein the transaction history information in the IC card and credit user data in the server include demand date data indicative of a date on which the card user is to be demanded, and payment state data indicative of whether or not the payment is finished, and wherein the demand date data and payment state data of the transaction history information in the IC card are updated according to the credit user data of said server.

9. A payment management method as set forth in claim 8, further including the steps of displaying at least the transaction history information of already paid or of an unknown demand in the transaction history information stored in the IC card, and then deleting the transaction history information.

10. A payment management method as set forth in claim 8, further comprising the step of displaying the collated result on display device.

11. A payment management method as set forth in claim 10, wherein, upon said collation, when the transaction history information is present in said IC card but credit demand data corresponding to the transaction history information is not present in the storage device connected to the server, data indicative of ‘

not demanded’

is added to the transaction history information and the collated result is displayed.