Bank system program, credit service program and IC card

摘要

According to the present invention, there is provided a credit settlement system which enables a bank system and a credit system to be linked to each other by storing data representing information on payment received from any user in an IC card, enables the user to deposit in his or her bank account the payment for any transaction on credit, and enables the user to make a transaction on credit reflecting the payment receipt information even immediately after that deposit.