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IC card for credit transactions and credit transaction apparatus and method using the same
| Details |
Inventors: Baik, In-Seong;
Assignee: SamSung Electronics Co., Ltd. (Kyungki-do, KR)
Primary Examiner: Hajec; Donald T.
Assistant Examiner: Minh; Le Then
Attorney, Agent or Firm: Bushnell, Esq; Robert E.
An IC card for credit transactions and a credit transactions apparatus and method using the IC card are provided. In an IC card for credit transactions includes a data memory portion and a controlling portion for reading out or recording data in the data memory portion, the data memory portion includes a user information area for recording information on the identification of a user, a transaction limit information area for recording information on the off-line transaction limit of the user, and a transaction particulars information area being divided into a plurality of sub-areas and for recording information on the transaction particulars of the user. Transactions using the credit card within the usage limit range set according to the credit rating of a customer are processed off-line, so as to reduce not only the load applied to the host system of the credit card company caused by the on-line transaction but also the time delay by the transaction approval, while minimizing losses (due to non-payment) of a credit card company and retail outlets caused by off-line usage by additionally recording special information on the IC card, such as delinquent payments, to restrict off-line credit transactions. |
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DETAILED DESCRIPTION To solve the above problems, it is an object of the present invention to provide an IC card for credit transactions which can make a deal on credit not only on-line but also off-line with a host system in a credit card company by using an IC card provided with a data recording and reading out function.
It is another object of the present invention to provide an IC card for credit transactions which can make a deal on credit, selectively on-line or off-line with a host system according to the credit of an IC card user, by using an IC card provided with a data recording and reading out function for credit transactions.
It is still another object of the present invention to provide an apparatus for on-line and off-line credit transactions with a host system, by using an IC card provided with a data recording and reading out function for credit transactions.
It is still yet another object of the present invention to provide a method for on-line and off-line credit transactions with a host system, by using an IC card provided with a data recording and reading out function for credit transactions.
Accordingly, to achieve the first object, there is provided an IC card for credit transactions including a data memory portion and a controlling portion for reading out or recording data in the data memory portion, wherein the data memory portion comprises: a user information area for recording information on the identification of a user; a transaction limit information area for recording information regarding a user's off-line transaction limit; and a transaction particulars information area, divided into a plurality of sub-areas, for recording information on the particulars of a credit transaction.
To achieve the second object, there is provided an IC card for credit transactions including a data memory portion and a controlling portion for reading out or recording data in the data memory portion, wherein the data memory portion comprises: a user information area for recording information on the identification of a user; a transaction particulars information area, divided into a plurality of sub-areas, for recording information on the particulars of a transaction; and a usage restriction information area for recording restriction information according to the user's credit rating
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Finance 
