Patent US5569897A successfully refreshed from Google Patents.
US5569897A
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Credit card system and method of issuing credit card using such a system
Assignee: Mitsubishi UFJ NICOS Co Ltd
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Filing: 1995-01-19
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Granted: 1996-10-29
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Expires: 2015-01-19
Abstract
Abstract A credit card system includes a card having storage columns for recording first identification information, a generating unit for generating a check code from the first identification information and second identification information, a card reader/writer for reading information from and writing information on the card, a keyboard for entering the second identification information and a check code. A comparing unit compares the check code generated by the generating means with a check code entered by the keyboard or a check code recorded on the card, and a unit for indicating or displaying information representing that the check codes compared by the comparing unit do not agree with each other if the compared check codes do not agree with each other.
Inventors
- 👤 Hidehiro Masuda
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 16:01
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/347; G07F7/10; G07F7/1025; G07F7/1058; G07F7/1066; G07F7/12; G07F7/127
Claims Analysis
Total Claims: 13
Claim 1
Independent Claim
107 words
A credit card system comprising: a card having first identification information encoded thereon; a card reader configured to read the first identification information from the card; an input device configured to supply second identification information and a first check code; and a processor connected to the card reader and the input device and configured to generate a second check code based on the first identification information read from the card by the card reader and the second identification information supplied by the input device, to compare the first check code to the second check code, and to indicate whether the first and second check codes are identical.
Claim 2
Dependent Claim
107 words
A credit card system comprising: a card having first identification information encoded thereon; a card reader configured to read the first identification information from the card; an input device configured to supply second identification information and a first check code; and a processor connected to the card reader and the input device and configured to generate a second check code based on the first identification information read from the card by the card reader and the second identification information supplied by the input device, to compare the first check code to the second check code, and to indicate whether the first and second check codes are identical.
Claim 3
Dependent Claim
103 words
A credit card system comprising: a card having first identification information, second identification information, and a first check code generated from the first identification information and second identification information encoded thereon; a card reader configured to read the first identification information, the second identification information, and the first check code from the card; and a processor connected to the card reader and configured to generate a second check code based on the first identification information and the second identification information, to compare the first check code to the second check code, and to indicate whether the first and second check codes are identical.
Claim 4
Dependent Claim
103 words
A credit card system comprising: a card having first identification information, second identification information, and a first check code generated from the first identification information and second identification information encoded thereon; a card reader configured to read the first identification information, the second identification information, and the first check code from the card; and a processor connected to the card reader and configured to generate a second check code based on the first identification information and the second identification information, to compare the first check code to the second check code, and to indicate whether the first and second check codes are identical.
Claim 5
Dependent Claim
21 words
A credit card system as recited in claim 1 or claim 2, wherein the first identification information comprises a card number.
Claim 6
Dependent Claim
19 words
A credit card system as recited in claim 3, wherein the second identification information comprises a customer identification number.
Claim 7
Dependent Claim
96 words
A credit card system as recited in claim 1 or claim 2, wherein the card has recorded thereon limit amount information indicative of a maximum amount of money that a user of the card can pay with the card, wherein the card reader is configured to read the limit amount information from the card, and wherein the processor is configured to compare the limit amount information with an amount of money to be paid by the user, the system further comprising a card writer connected to the processor and configured to update the limit amount information.
Claim 8
Dependent Claim
52 words
A credit card system as recited in claim 1, wherein the card has recorded thereon an issuance expiration date, wherein the card reader is configured to read the issuance expiration date, and wherein the processor is configured to compare the issuance expiration date with a date on which the card is issued.
Claim 9
Dependent Claim
55 words
A credit card system as recited in claim 1 or claim 2, wherein the card has recorded thereon a use expiration date, wherein the card reader is configured to read the use expiration date, and wherein the processor is configured to compare the use expiration date with a date on which the card is used.
Claim 10
Dependent Claim
60 words
A credit card system as recited in claim 1 or claim 2, further comprising entry means for permitting a user to enter a first password, wherein the card has recorded thereon a second password, wherein the card reader is configured to read the second password, and wherein the processor is configured to compare the first password to the second password.
Claim 11
Independent Claim
188 words
A method of issuing a credit card comprising: sending first identification information stored on a credit card and an inquiry as to whether the credit card is to be issued to a customer from a first system for issuing and managing credit cards to a second system for managing customer credit information; at the second system, determining whether a credit card is to be issued to the customer; at the second system, generating a first check code based on both the first identification information and second identification information; when a credit card is to be issued to the customer, sending the second identification information and the first check code from the second system to the first system; at the first system, generating a second check code based on both the first identification information and the second identification information; at the first system, comparing the first check code with the second check code; and at the first system, issuing the credit card and recording information on the credit card indicative that the credit card has been issued when the first check code is identical to the second check code.
Claim 12
Independent Claim
188 words
A method of issuing a credit card comprising: sending first identification information stored on a credit card and an inquiry as to whether the credit card is to be issued to a customer from a first system for issuing and managing credit cards to a second system for managing customer credit information; at the second system, determining whether a credit card is to be issued to the customer; at the second system, generating a first check code based on both the first identification information and second identification information; when a credit card is to be issued to the customer, sending the second identification information and the first check code from the second system to the first system; at the first system, generating a second check code based on both the first identification information and the second identification information; at the first system, comparing the first check code with the second check code; and at the first system, issuing the credit card and recording information on the credit card indicative that the credit card has been issued when the first check code is identical to the second check code.
Claim 13
Dependent Claim
26 words
The method of claim 9, wherein the information indicative that the credit card has been issued is the second identification information and the first check code.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1999-10-29 | 2000-04-29 | 2000-10-29 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2003-10-29 | 2004-04-29 | 2004-10-29 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2007-10-29 | 2008-04-29 | 2008-10-29 | $7700.00 | Window Closed / Lapsed |