Card settlement system by debit card use
OwnerKoichi Awanoinventor
Life of this patent
Estimating the term…
Abstract
In a card settlement system, a prepaid card is issued by using a debit card having a money withdrawal function at ATM installed in a settlement bank. When goods are purchased at a store by using the prepaid card, a price for the goods is transmitted from a store's bank in which the store has a store's account to the settlement bank as a settlement data. Money corresponding to the price for goods is remitted from the settlement bank to the store's account on the basis of the settlement data.
Claims4
A card settlement system by a debit card use comprising:
- means for issuing a prepaid card by using a debit card having a money withdrawal function;
- means for transmitting a settlement data corresponding to a price or charge to be paid by using said prepaid card from a store's bank with which a prepaid card usable store has an account to a settlement bank in which said prepaid card is issued;
- and
- means for remitting from said settlement bank to a store's account in said store's bank on the basis of said settlement data.
A card settlement system by a debit card use including a reader/writer unit installed in a store, said reader/writer unit comprising:
- means for inputting or reading a settlement data to be paid to said store by using a prepaid card storing credit grant information;
- means for storing a balance data obtained by subtracting said settlement data from said credit grant information or a balance previously obtained;
- and
- means for transmitting said settlement data to a settlement bank through a store's bank with which said store has an account.
A card settlement system by a debit card use including an ATM of a settlement bank, said ATM comprising:
- means for issuing a prepaid card by using a debit card having a money withdrawal function;
- means for inserting a prepaid card having a balance and a cash card into said ATM;
- means for inputting an identification number;
- and
- means for permit withdrawing money when said identification number is proper and for making said prepaid card having the balance invalid.
Dependencies are inferred from the claim text.