Transaction history system and method

• US 20020133409A1
• Filed: 03/08/2002
• Published: 09/19/2002
• Est. Priority Date: 03/15/2001
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Sawano, Yoshiaki, Ara, Mari
• Application Number:
  US10/094,046
• Publication Number:
  US 20020133409A1
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

An ATM system makes transaction history information for display on an on-screen display section of an ATM, based on transaction history data of a customer'"'"'s account which is obtained from a host server in response to a request from the ATM when the customer performs a given operation. The information displayed in the on-screen display section contains identification marks which indicate whether each transaction in the transaction history is recorded, unrecorded, or unconfirmed.

Claims

1. A transaction system, comprising a terminal for customers to make transactions and a server for holding information about transaction accounts of the customers,

wherein as said information about transaction accounts, said server possesses transaction history data concerning the transaction accounts and data for identifying whether each transaction was made by a customer himself/herself, and

in response to a particular operation by a customer, said terminal outputs history information about the transactions not made by the customer himself/herself, based on said information about transaction accounts held by said server.

2. The transaction system according to claim 1, wherein said terminal comprises a display section for displaying images and outputs said history information by displaying it on the display section.

3. A transaction terminal, comprising:

a specific-information accepting unit for accepting an input of account information for identifying a transaction account;

a history data receiving unit for identifying a transaction account based on said account information inputted and receiving, from an external database, at least a part of transaction history data of the transaction account which has not been output before;

a transaction detail accepting unit for accepting specification of transaction details with respect to said transaction account;

a transaction executing unit for executing a transaction based on the specified transaction details; and

an information output unit for outputting yet-to-be-output transaction information which has not been output before, based on the history data received by said history data receiving unit.

4. The transaction terminal according to claim 3,

wherein said history data receiving unit receives the transaction history data of said transaction account and identification data for identifying whether any output has been made for each transaction, and

said information output unit outputs said yet-to-be-output transaction information based on said history data and said identification data.

5. The transaction terminal according to claim 3, wherein said history data receiving unit receives transaction history data which has not been output before and which has been extracted from transaction history data of said transaction account.

6. The transaction terminal according to claim 3, wherein said information output unit outputs the existence and/or details of transactions for which no output has been made before, as said yet-to-be-output transaction information.

7. The transaction terminal according to claim 3, further comprising an itemized statement issuing unit for issuing an itemized statement by printing out transaction information about the transactions executed by said transaction executing unit and said yet-to-be-output transaction information.

8. The transaction terminal according to claim 3, wherein said information output unit outputs said yet-to-be-output transaction information when said transaction executing unit is executing a transaction based on the specified transaction details.

9. A transaction history output apparatus, comprising:

a card accepting section for accepting a card storing the transaction account number of a customer and reading said transaction account number;

a data reference section for referring to an external database for the transaction history data of the transaction account corresponding to said transaction account number; and

a history output section for outputting information about unconfirmed transactions yet to be confirmed by the customer, from said transaction history data.

10. The transaction history output apparatus according to claim 9, wherein said history output section outputs said information about unconfirmed transactions, information about unrecorded transactions yet to be entered in the passbook which records transaction history, and identification information which distinguishes between said information about unconfirmed transactions and said information about unrecorded transactions.

11. The transaction history output apparatus according to claim 9, wherein said history output section outputs information about a predetermined number of transactions as well as identification information which distinguishes between said unconfirmed transactions and other transactions among said predetermined number of transactions.

12. The transaction history output apparatus according to claim 9, wherein said history output section treats the transactions made by the customer himself/herself in the past as transactions confirmed by said customer.

14. The server according to claim 13, wherein said data extraction section outputs a part of the transaction history information which, according to said output information, has not been output by said data extraction section.

15. The server according to claim 13, wherein said data extraction section outputs said output information with said history information.

18. The transaction history display method according to claim 16, wherein said type has been preset depending on whether or not a given transaction has been made by the customer himself/herself.

20. The computer program product according to claim 19, wherein said processes further comprising:

a determining process of determining whether a passbook recording the transaction history of the transaction account is input in said computer,

wherein said information output process is executed if it is determined that said passbook is not input.

21. The computer program product according to claim 19, wherein said processes further comprising:

a menu presentation process of presenting a menu of processes including said information output process; and

a menu specification process of accepting the specification of a process to be executed on said computer from among the processes presented on the menu,

wherein even if the process specified in said menu specification process is other than said information output process, said information output process is executed during the execution of said specified process.

22. The computer program product according to claim 19, wherein said processes further comprising:

a notification process of indicating the existence of transactions other than the ones made by the customer himself/herself if reference to said transaction history in said reference process finds such transactions; and

a specification process of making a request to specify whether to output said transaction history and accepting an external input of specification made in response to the request,

wherein said information output process is executed if said transaction history is specified to be output in said specification process.

13. A server which executes required processing at the request of a terminal operated by a customer, comprising:

a request accepting section for accepting requests from said terminal;

a data storage section for storing data about a transaction account of a customer; and

a data extraction section for extracting data from said data storage section, based on the request accepted by said request accepting section, and outputting the data to said terminal,

wherein said data storage section stores said data including;

history information about the transactions on the transaction account of said customer;

output information indicating whether or not the transactions contained in said history information have been output by said data extraction section; and

record information indicating whether or not said history data is recorded on a passbook which records transaction history of the transaction account of said customer.

16. A transaction history display method for displaying a history of unrecorded transactions yet to be entered in the passbook of transactions on the transaction account of a customer, comprising:

a determining step of determining whether the type of the unrecorded transactions on the transaction account of the customer is a preset type; and

a display step of displaying the history of the transactions determined to be of said preset type.

17. The transaction history display method according to Claim 16, wherein said display step additionally displays the history of transactions of other types together with the history of the transactions determined to be of said preset type by attaching identification information for distinguishing between the history of the transactions determined to be of said preset type and history of the transactions of said other types.

19. A computer program product comprising a computer useable medium having computer program logic recorded thereon for causing a computer that performs processes on a customer'"'"'s transaction account based on the customer'"'"'s operations to execute processes, said processes comprising:

an acceptance process of accepting an external input of information for identification of a transaction account and identifying the transaction account;

a reference process of referencing the transaction history of said transaction account; and

an information output process of outputting information about transactions other than those made by the customer himself/herself, based on said transaction history referenced.