Importance

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Abstract

A money can be withdrawn from one's bank account with a cash data corresponding to the to-be-drawn money amount written in the storage area of a portable IC card or the like. The bank account consists of a first storage area of account balance and transaction data and a second storage area for data indicative of a money amount shifted from the first account as cash data. In case of a money deposit, a data corresponding to a money amount to be deposited is subtracted from a cash data stored in the IC card or the like, and the data corresponding to the money amount to be deposited is written into the first storage area. The data indicative of the drawn money amount stored in the above-mentioned second storage area is updated. Also, when a money is transferred from his bank account to another's account, such as for a commercial transaction, the intended transaction amount is first compared against the cash data stored in the IC card or the like. If the intended transaction amount is less than the cash data the user enters his authorization code and a data corresponding to the money amount to be transferred, or price of the commodity, is subtracted from the cash data stored in the IC card or the like and the data corresponding to the transferred money amount is written into the first storage area. At this time, the data indicative of the drawn amount stored in the second account of the transferring side is updated.

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First Claim