The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 23, 1999
Filed:
Jul. 26, 1996
Nonaka Tomoyuki, Yokohama, JP;
Kenji Matsumoto, Yokohama, JP;
Shigeyuki Itoh, Kawasaki, JP;
Masayuki Inoue, Yokohama, JP;
Hitachi, Ltd., Tokyo, JP;
Abstract
When the amount of a former loan of the user of an IC card is written to a personal information storage provided in a center and the IC card is inserted into the slot of an electronic purse terminal at the time of a current transaction, the amount of the loan stored in the personal information storage is cleared and this loan is paid. At this time, the balance stored in the sum information storage of the IC card is updated by this payment and is stored as the current balance in the sum information storage. If the balance is more than the charge for a transaction, the transaction is carried and if the balance is less than the charge for the transaction and is short, the transaction is performed by obtaining a new loan. The amount of this loan is stored in the personal information storage in the center. Thus, the suspension of a transaction due to a shortage in the balance carried by the IC card can be avoided by providing a function for a loan in an electronic purse system.