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Off-line, one-level/on-line, two-level timeshared automated banking system

  • US 4,091,448 A
  • Filed: 10/29/1976
  • Issued: 05/23/1978
  • Est. Priority Date: 10/29/1976
  • Status: Expired due to Term
First Claim
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1. In an automated banking system which is alternatively operative in an on-line mode and an off-line mode and which is available to a plurality of customers, a method for processing banking transactions, including the steps of:

  • reading a card with customer identification and customer information, including customer credit information and customer available-transaction information, encoded thereon at one of a plurality of customer stations,sending said customer identification and customer information to a local processor which is associated with the plurality of customer stations over a first communication link, the plurality of customer stations being in a timesharing relationship with respect to data processing means at the local processor,assembling a request message containing at least said customer identification by means of the data processing means, when the local processor is in an on-line mode,sending the request message to a central processor over a second communication link, when the local processor is in the on-line mode,assembling a reply message containing account data associated with the identified customer, including a) account descriptions and b) account balances for the accounts of the identified customer, in response to a request message sent to the central processor,sending the reply message to the local processor over the second communication link, after the reply message has been assembled in response to a request message,determining a transaction selection by means of the data processing means at the local processor in response to the account descriptions in the reply message when the local processor is in the on-line mode and in response to the customer available-transaction information when the local processor is in the off-line mode,sending the transaction selection from the local processor to the customer station over the first communication link,permitting the identified customer to a) choose a transaction in accordance with the transaction selection and b) enter a transaction amount at the customer station,sending the transaction choice and amount from the customer station to the local processor over the first communication link,processing the transaction by means of the data processing means at the local processor in response to the transaction choice and amount a) in accordance with the account balances in the on-line mode and b) in accordance with the customer credit information in the off-line mode so as to determine the allowability of the transaction,sending execution commands from the local processor to the customer station over the first communication link, andcompleting the transaction at the customer station in accordance with the execution commands,whereby data processing functions associated with transactions are executed by the local processor and input/output functions associated with transactions are relegated to the customer stations.

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