International-online automatic cash transaction system

• US 20040267666A1
• Filed: 05/12/2004
• Published: 12/30/2004
• Est. Priority Date: 04/20/2001
• Status: Abandoned Application

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Goto, Kanzen, Minami, Tadashi
• Application Number:
  US10/843,371
• Publication Number:
  US 20040267666A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Abstract

An international-online automatic cash transaction system including a domestic financial institution host 10A connected to an abroad financial institution host 10B via an international network and a plurality of automated teller machines (ATMs) connected to the domestic financial institution host via a domestic network, in which when a deposit or withdrawal transaction using an international cash card of which account is in a foreign financial institution is conducted by one of ATMs, a handling fee required for the transaction is displayed before the transaction is conducted to allow a customer to select whether the transaction should be continued or not, a transaction amount is automatically converted into an amount in the currency of the customer'"'"'s account in accordance with the rate of exchange at that time point, and the foreign financial institution is notified of the resultant amount.

Claims

1-6. -6. (Cancelled)

7. An international-online automatic cash transaction system comprising:

an automated teller machine for reading an account number from a cash card offered by a customer and calculating a deposit amount; and

a host system coupled to said automated teller machine to receive the account number and the deposit amount, the host system including means for communicating with a financial institution abroad when the account number of the cash card represents an account of the financial institution abroad, to conduct an international deposit in the deposit amount on a customer account corresponding to the account number.

8. An international-online automatic cash transaction system comprising:

an automatic teller machine including;

a deposit currency receiving mechanism for receiving cash in a first currency and counting the deposit amount of the received cash;

a card reader for reading an account number from a cash card; and

a communication unit for transmitting the account number read from the cash card and the deposit amount to a first host computer of a first financial institute to which the automatic teller machine belongs; and

a network approval host including;

means for receiving the account number and deposit amount transmitted from said first host computer via a communication network;

means for determining a second currency different from the first currency based on a financial institution identifier extracted from the received account number, retrieving a handling fee from a handling fee table based on the financial institution identifier, and converting the deposit amount and handling fee from the first currency to the second currency; and

means for conducting an international deposit transaction of the deposit amount converted to the second currency on a customer'"'"'s account specified by the account number received.

9. The international-online automatic cash transaction system according to claim 8, wherein said network approval host further includes:

an address table indicating a communication address of a second financial institution corresponding to the financial institution identifier; and

means for transmitting a transaction notification message to an international communication network, said transaction notification message including the account number, the deposit amount and the handling fee converted to the second currency and having the communication address retrieved from said address table based on the financial institution identifier extracted from the received account number.

10. The international-online automatic cash transaction system according to claim 8, wherein said network approval host further includes means for transmitting a transaction notification message to a second host computer of a second financial institution to which said customer'"'"'s account belongs via an international communication network, said transaction notification message including the account number, deposit amount and handling fee converted to the second currency, whereby said second host computer, responsive to the received transaction notification message, performs a deposit transaction and withdrawal of a handling fee on the customer'"'"'s account according to the account number, the deposit amount and the handling fee notified by the transaction notification message.

11. The international-online automatic cash transaction system according to claim 8, wherein:

said first host computer transmits the account number and the deposit amount in a form of a transaction notification message including a first identifier of the first financial institution to which the automatic teller machine belongs, and

said network approval host converts said deposit amount from the first currency to the second currency by applying an exchange rate retrieved from an exchange rate table indicating the exchange rate between two countries corresponding to the first financial institution and a foreign financial institution specified by the financial institution identifier extracted form the account number.

12. The international-online automatic cash transaction system according to claim 8, wherein said automatic teller machine further comprises:

a display unit for displaying the deposit amount and the handling fee;

an input operation unit for receiving a confirmation response indicating whether a user of said cash card agrees to or cancels the deposit transaction with the displayed deposit amount and handling fee; and

a controller for retuning the cash received by said deposit currency receiving mechanism to the user when a response of canceling the deposit transaction is received from said input unit.

13. A terminal for an international-online automatic cash transaction system, comprising:

a deposit currency receiving unit for receiving cash and counting the deposit amount in a first currency;

a card reader for reading out an account number from a cash card, said account number including a financial institution identifier; and

a display unit for displaying a handling fee necessary for an international deposit transaction with the abroad financial institution and a deposit amount in a second currency converted form the deposit amount counted in the first currency, in response to the extracted financial institution identifier associated with an abroad financial institution, said second currency being specified based on the financial institution identifier extracted from the account number;

an input operation unit for receiving a confirmation response indicating whether a user of said cash card agrees to the deposit transaction with the displayed deposit amount and handling fee; and

a control unit for performing when a response of agreeing the deposit transaction is received from said input operation unit, a subsequent process of the international deposit transaction on a foreign account corresponding to the account number of said cash card.

14. The terminal according to claim 13, wherein said controller instructs said deposit currency receiving unit to return the received cash to the user when a response of canceling the deposit transaction is received from said input operation unit.

15. The terminal according to claim 13, wherein said controller instructs said card reader to return the cash card to the user upon receiving a response message indicating that the international deposit transaction is complete by said abroad financial institution, thereby to terminate the process of the international deposit transaction.

16. An international-online automatic cash transaction system comprising:

an automatic teller machine including means for reading out an account number from a cash card, and means for counting cash offered by a user to calculate the deposit amount in a first currency; and

a first host computer, coupled to said automatic teller machine via a communication network, including;

means for receiving from said automatic teller machine a message indicating the account number and the deposit amount; and

means for conducting an international deposit transaction on a foreign account specified by the account number with a deposit amount in a second currency converted from the deposit amount in the first currency, in response to the account number being associated with an abroad financial institution, the second currency being determined based on the account number.

17. The international-online automatic cash transaction system according to claim 16, wherein said first host computer includes means for transmitting a transaction notification message to a second host computer of said abroad financial institution to which said foreign account belongs, and said transaction notification message indicates the account number, the deposit amount in the second currency and a handling fee for the international deposit transaction.