CA2196947A1 - Banking system equipped with a radio linked portable terminal - Google Patents

Banking system equipped with a radio linked portable terminal

Info

Publication number
CA2196947A1
CA2196947A1 CA002196947A CA2196947A CA2196947A1 CA 2196947 A1 CA2196947 A1 CA 2196947A1 CA 002196947 A CA002196947 A CA 002196947A CA 2196947 A CA2196947 A CA 2196947A CA 2196947 A1 CA2196947 A1 CA 2196947A1
Authority
CA
Canada
Prior art keywords
card
amount
portable terminal
banking system
bank account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002196947A
Other languages
French (fr)
Other versions
CA2196947C (en
Inventor
Mitsuhiro Watanabe
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NEC Corp
Original Assignee
NEC Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by NEC Corp filed Critical NEC Corp
Publication of CA2196947A1 publication Critical patent/CA2196947A1/en
Application granted granted Critical
Publication of CA2196947C publication Critical patent/CA2196947C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

In order to provide a banking system having an IC card available anytime and anywhere with no risk of security information plagiary from loss of the IC
card, no complexity in using the IC card, and no problem with a discharged battery, a banking system of the present invention comprises a 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 the financial organization, the bank account being identified by a bank password. The radio communication means includes a radio-linked portable terminal and an IC card connectable to the radio-linked portable terminal, the 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 the bank account to the available amount and for subtracting an amount to be deposited to the bank account from the available amount.
CA002196947A 1996-02-07 1997-02-06 Banking system equipped with a radio linked portable terminal Expired - Fee Related CA2196947C (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP8-020337 1996-02-07
JP2033796A JPH09212565A (en) 1996-02-07 1996-02-07 Radio portable terminal system

Publications (2)

Publication Number Publication Date
CA2196947A1 true CA2196947A1 (en) 1997-08-08
CA2196947C CA2196947C (en) 2001-04-10

Family

ID=12024334

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002196947A Expired - Fee Related CA2196947C (en) 1996-02-07 1997-02-06 Banking system equipped with a radio linked portable terminal

Country Status (5)

Country Link
US (1) US6098055A (en)
JP (1) JPH09212565A (en)
AU (1) AU721600B2 (en)
CA (1) CA2196947C (en)
GB (1) GB2310069B (en)

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KR20020063346A (en) * 2001-01-27 2002-08-03 에스케이 텔레콤주식회사 Method for e-money charging using mobile phone of internet base
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JP2003303309A (en) * 2002-04-09 2003-10-24 Hitachi Ltd Transaction system and method using card, and computer program for processing transaction
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US20050246253A1 (en) * 2002-04-28 2005-11-03 Paycool International Limited System to enable a telecom operator provide financial transactions services and methods for implementing such transactions
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Also Published As

Publication number Publication date
CA2196947C (en) 2001-04-10
GB2310069A (en) 1997-08-13
US6098055A (en) 2000-08-01
AU721600B2 (en) 2000-07-06
AU1257197A (en) 1997-08-14
JPH09212565A (en) 1997-08-15
GB9702492D0 (en) 1997-03-26
GB2310069B (en) 1999-11-10

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Legal Events

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EEER Examination request
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