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Credit card system and method of issuing credit card using such a system
| Details |
Inventors: Masuda, Hidehiro;
Assignee: Nippon Shinpan Co., Ltd. (Tokyo, JP)
Primary Examiner: Hajec; Donald T.
Assistant Examiner: Le; Thien Minh
Attorney, Agent or Firm: Fish & Richardson P.C.
A credit card system has a card with first identification information written thereon, a reading/writing unit for writing information on and reading information from the card, an input device for entering second identification information, a processor for deriving second identification information from information written on the card, comparing the second identification information entered by the entering device with the second identification information derived by the deriving device, and controlling the reading/writing unit to write information representing allowance of issuance of the card on the card if the compared second identification information agrees with each other. |
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DETAILED DESCRIPTION It is therefore an object of the present invention to provide a credit card system capable of issuing credit cards immediately upon request at retail stores, preventing credit cards from being illegally issued and used, and making possible highly safe credit sales.
According to the present invention, there is a credit card system provided which is comprised of a card having a means for storing written first identification information, as well as other devices with a means for writing information on and reading information from the said card, a means for entering second identification information, a means for deriving second identification information from information written on the card, a means for comparing the second identification information entered by the entering means with the second identification information derived by the deriving means, and a means for writing information representing allowance of issuance of the card on the card if the compared second identification information agrees with each other.
The second identification information may be logically derived from the first identification information.
The second identification information may correspond to the first identification information.
The card may have a limit amount column for recording a limit amount of money up to which the user of the credit card can pay with the credit card, and the credit card system may be further comprised of a means for updating the limit amount of money recorded in the limit amount column with an amount of money available to the user, and a means for comparing the limit amount of money recorded in the limit amount column with an amount of money to be paid by the user, and indicating or displaying the result of comparison.
The card may have an issuance expiration date column for recording a date on which the issuance of the credit card expires, and the credit card system may be further comprised of a means for comparing the issuance expiration date with a date on which the credit card is actually issued, and indicating or displaying the result of comparison
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Finance 
