US4562340A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Terminal device for making payments for credit transactions
Assignee: VERVE LLC
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Filing: 1983-10-18
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Granted: 1985-12-31
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Expires: 2003-10-18
Abstract
Abstract A terminal device for making payments for credit transactions is connected to and adapted to communicate with a control center which includes a memory having stored therein data relating to a plurality of users of credit cards and to a deposit account of at least one credit company, the control center having the function of transferring a specified sum payable from an account of each user to the account of the credit company. The terminal device comprises a card reader for reading data from either a credit card or a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to an account number of its holder and data for identifying the holder; input means for entering sum payable; a display for showing at least the entered sum payable; a unit for transmitting to the control center at least the entered sum payable the data read by the card reader and relating to the account number of the credit company, such as the company code thereof, and the data read by the card reader and relating to the account number of the holder of the bank card; and a recorder for recording data as to transfer processing on receiving from the control center a message indicating completion of the transfer processing.
Inventors
- 👤 Kazuma Tateisi
- 👤 Yoshitsugu Shinohara
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-23 11:45
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/22; G06Q20/24; G06Q20/04
Claims Analysis
Total Claims: 10
Claim 1
Independent Claim
231 words
A terminal device for making payments for credit transactions which is connected to and adapted to communicate with a control center including a memory having stored therein data as to a plurality of users and as to a deposit account of at least one credit company, the control center having the function of transferring a specified sum payable from an account of the user to the account of the credit company, the terminal device comprising: a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder, input means for entering a sum payable, a display for showing at least the entered sum payable, means for transmitting to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card, and a recorder for recording data as to transfer processing upon receiving from the control center a message indicating completion of the transfer processing.
Claim 2
Dependent Claim
231 words
A terminal device for making payments for credit transactions which is connected to and adapted to communicate with a control center including a memory having stored therein data as to a plurality of users and as to a deposit account of at least one credit company, the control center having the function of transferring a specified sum payable from an account of the user to the account of the credit company, the terminal device comprising: a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder, input means for entering a sum payable, a display for showing at least the entered sum payable, means for transmitting to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card, and a recorder for recording data as to transfer processing upon receiving from the control center a message indicating completion of the transfer processing.
Claim 3
Dependent Claim
25 words
A terminal device as defined in claim 1 wherein the data relating to the account number of the credit company is a credit company code.
Claim 4
Dependent Claim
50 words
A terminal device as defined in claim 1 which further comprises means for entering data for identifying the holder of the bank card, and means for checking whether the holder identifying data read from the bank card bears a predetermined relationship with the identifying data entered by the entering means
Claim 5
Dependent Claim
33 words
A terminal device as defined in claim 3 wherein input means for entering sums payable and the means for entering the data for identifying the holder of the bank card are a keyboard.
Claim 6
Independent Claim
279 words
A system for making payments for credit transactions comprising a control center including a memory having stored therein data relating to a plurality of users and to a deposit account of at least one credit company, and a terminal device connected to the control center, the terminal device comprising: a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder, input means for entering sum payable, a display for showing at least the entered sum payable, communication means for sending to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card and for receiving messages from the control center, and a recorder for recording data relating to transfer processing upon receiving from the control center a message indicating completion of the transfer processing, the control center comprising: communication means for receiving from the terminal device messages containing data relating to payments and for sending to the terminal device messages relating to payments, and means for transferring the sum payable from the account of the user to the account of the credit company in the memory, based on the message received from the terminal device and containing payment relating data.
Claim 7
Independent Claim
279 words
A system for making payments for credit transactions comprising a control center including a memory having stored therein data relating to a plurality of users and to a deposit account of at least one credit company, and a terminal device connected to the control center, the terminal device comprising: a card reader for reading data from a credit card and a bank card, the credit card having recorded therein data relating at least to the account number of the credit company and data relating to the holder of the card, the bank card having recorded therein data relating at least to the account number of its holder and data for identifying the holder, input means for entering sum payable, a display for showing at least the entered sum payable, communication means for sending to the control center at least the entered sum payable, the data read by the card reader and relating to the account number of the credit company and the data read by the card reader and relating to the account number of the holder of the bank card and for receiving messages from the control center, and a recorder for recording data relating to transfer processing upon receiving from the control center a message indicating completion of the transfer processing, the control center comprising: communication means for receiving from the terminal device messages containing data relating to payments and for sending to the terminal device messages relating to payments, and means for transferring the sum payable from the account of the user to the account of the credit company in the memory, based on the message received from the terminal device and containing payment relating data.
Claim 8
Dependent Claim
45 words
A system as defined in claim 5 wherein the data relating to the account number of the credit company is a credit company code, and the control center is provided with a table for converting the code to the account number of the credit company.
Claim 9
Independent Claim
102 words
A method for sending payment transaction data to a central station from a remote station comprising, at a remote station, the steps of: reading from a credit card data relating at least to the account number of a credit company, and to the credit card holder; reading from a bank card data relating at least to an account number of the bank card holder; storing a sum payable; and transmitting to the central station at least the stored sum payable, data relating to the account number of the credit company, and data relating to the account number of the bank card holder.
Claim 10
Independent Claim
102 words
A method for sending payment transaction data to a central station from a remote station comprising, at a remote station, the steps of: reading from a credit card data relating at least to the account number of a credit company, and to the credit card holder; reading from a bank card data relating at least to an account number of the bank card holder; storing a sum payable; and transmitting to the central station at least the stored sum payable, data relating to the account number of the credit company, and data relating to the account number of the bank card holder.
References Cited (Backward Citations)
US4314352A
Cited
US4277837A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1988-12-30 | 1989-07-01 | 1989-12-31 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1992-12-30 | 1993-07-01 | 1993-12-31 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 1996-12-30 | 1997-07-01 | 1997-12-31 | $7700.00 | Window Closed / Lapsed |