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

• US 5,886,333 A
• Filed: 01/13/1997
• Issued: 03/23/1999
• Est. Priority Date: 11/15/1996
• Status: Expired due to Fees

• Current Assignee: Susumu Miyake
• Original Assignee: Susumu Miyake
• Inventors: Miyake, Susumu
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US08/782,053
• Time in Patent Office: 799 Days
• Field of Search: 235/492, 235/380, 235/381, 235/488, 235/38 R, 235/382.5
• 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 mini IC card issued by a card issuing organization for use in payment by a card user with respect to a card acceptable store or the like,

the mini IC card comprising:

a memory portion for storing at least personal information for identifying a card issuing organization, a card number and a card user; and

a signal transferring portion for transferring the personal information to/from outside,

the mini IC card being made smaller than a regular magnetic card on which personal information is magnetically written so as to be inserted into a portable terminal.

2. An adapter card for enabling a card reader to read out the personal information stored on the mini IC card defined in claim 1,

the adapter card comprising:

a slot to which the mini IC card is inserted; and

a signal transferring portion for transferring information to/from the card reader,

the adapter card being made as large as a regular magnetic card.

3. A terminal adapter, to which the portable terminal having the mini IC card defined in claim 1 inserted therein is connected, for inquiring of an information center of a card issuing organization on whether the credit can be gained,

the terminal adapter characterized by being provided with a function for connecting the portable terminal to the information center over a telephone wire line based on input of a code number by the card user and the stored information electronically read out from the mini IC card when the portable terminal automatically inquires of the information center of the card issuing organization whether the credit can be gained.

4. A slip issuing device, to which the mini IC card defined in claim 1 is connected, for inquiring of an information center of a card issuing organization on whether the credit can be gained,

the slip issuing device characterized by being provided with a function for automatically inquiring of the information center of the card issuing organization whether the credit can be gained based on input of a code number by the card user and the stored information electronically read out from the mini IC card and a function for issuing a slip upon receiving necessary information from the information center.

5. A portable terminal, to which the mini IC card defined in claim 1 can be inserted, for electronically transferring personal information on a credit gaining card,

the portable terminal characterized by including therein a one-chip integrated circuit incorporating at least a part of functions of a regular portable terminal and at least basic function for automatically inquiring of an information center of a card issuing organization whether the credit can be gained based on input of a code number by the card user and the stored information electronically read out from the mini IC card.