US 6,604,679 B2 · Payment management method and system using an IC card

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.

Claims11

Dependent claims

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.

3 more elements

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.

3 more elements

Dependencies are inferred from the claim text.

Payment management method and system using an IC card

Life of this patent

Payment management method and system using an IC card

Life of this patent

Abstract

Claims11