CREDIT ID LENDING SYSTEM AND METHOD THEREOF

WIPO Patent Application WO/2005/027054

A1

There is provided a credit ID lending system capable of safely managing the credit card system, suppressing the issuing cost for a user, and preventing flow out of the credit card numbers. An enterprise for which credit cards (1a to 1c) are issued from a credit company lends the credit cards (1a to 1c) to its employees. An automatic ticket gate system (3) through which the employees pass subtracts a traffic fare from the electronic value balance of the credit cards (1a to 1c) for performing prepaid settlement. When the electronic value balance is below the charge judgment value, the automatic ticket gate system (3) performs credit settlement for charging the electronic value of the same value as the charge value. The prepaid settlement information is transmitted to a lending server device (7) while the credit settlement information is transmitted to a credit server device (5). The lending server device (7) performs fare adjustment of the traffic fee used by the employees while the credit server device (5) sends a bill for the credit transaction to the enterprise.

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NAKANO DAISUKE (JP)
NOTANI TSUYOSHI (JP)

PCT/JP2004/010607

March 24, 2005

July 26, 2004

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JCB CO LTD (JP)
NAKANO DAISUKE (JP)
NOTANI TSUYOSHI (JP)

G06Q20/00; G06Q20/06; G06Q20/24; G06Q20/40; G06Q20/42; G07B15/00; G07F7/00; G07F7/02; G07G1/12; (IPC1-7): G07B15/00

JP2003190610A	2003-07-08
JPH10126531A	1998-05-15

Furutani, Hideo (23-20 Esaka-cho 1-chom, Suita-city Osaka 63, JP)

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