On-line/off-line automated banking system
First Claim
1. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the improvement comprising:
- a card with customer-identifying information encoded thereon, said customer-identifying information being unique to said customer,a card reader associated with said remote unit and responsive to said customer-identifying information encoded on said card for reading said customer-identifying information,request message assembly means associated with said remote unit responsive to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link,reply message assembly means associated with said central processing unit and responsive to said request message received from said remote unit for preparing and transmitting to said remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer,transaction selection means associated with said remote unit responsive to said account description information in said reply message for permitting said customer to select a series of different transactions involving said multiple different accounts, including cash withdrawal and/or fund transfer and/or deposits and/or payments,amount selection means associated with said remote unit for customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions,transaction processing means associated with said remote unit responsive to customer actuation of said transaction selection means and said amount selection means for processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message so as to determine the allowability of said series of different transactions,whereby a customer upon a single insertion of his card into said card reader may perform a series of different transactions involving different accounts for different amounts based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
2 Assignments
0 Petitions
Accused Products
Abstract
An automated banking system, which comprises at least one remote transaction and cash dispensing unit interconnected with a central unit via a communication network is disclosed. Each remote unit is operable following a single customer card insertion, in either a first mode or a second mode, to process one or more transactions, including cash withdrawal, fund transfer and payment and deposit transactions. The central unit determines the mode of operation of each remote unit. In the first mode, the central unit communicates data to a remote unit following a request from the remote unit. The central unit may transmit information for updating the customer'"'"'s card. The central unit communicates actual account balances which the remote unit reports to the customer. From other communicated data, which includes account descriptions, the remote unit determines which transactions a customer may perform. The remote unit then processes customer-selected transactions in accordance with additional communicated data, which includes working balances, an extended credit balance and a maximum cash limit. In the second mode, the remote unit does not communicate with the central unit, but itself both determines which transactions a customer may perform and processes customer-selected transactions in accordance with information included on the customer'"'"'s card. In the first mode, the remote unit communicates customer transaction data to the central unit immediately after the customer completes his transactions. The remote unit, in the second mode, records customer transaction data which it communicates to the central unit when the remote unit becomes operable in the first mode. Line security and customer verification schemes are provided to protect the integrity of the system. Additional features are disclosed.
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Citations
58 Claims
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1. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the improvement comprising:
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a card with customer-identifying information encoded thereon, said customer-identifying information being unique to said customer, a card reader associated with said remote unit and responsive to said customer-identifying information encoded on said card for reading said customer-identifying information, request message assembly means associated with said remote unit responsive to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said remote unit for preparing and transmitting to said remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said remote unit responsive to said account description information in said reply message for permitting said customer to select a series of different transactions involving said multiple different accounts, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said remote unit for customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, transaction processing means associated with said remote unit responsive to customer actuation of said transaction selection means and said amount selection means for processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message so as to determine the allowability of said series of different transactions, whereby a customer upon a single insertion of his card into said card reader may perform a series of different transactions involving different accounts for different amounts based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the improvement comprising:
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a card with customer-identifying information encoded thereon, said customer-identifying information being unique to said customer, a card reader associated with said remote unit and responsive to said customer-identifying information encoded on said card for reading said customer-identifying information, request message assembly means associated with said remote unit responsive to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said remote unit for preparing and transmitting to said remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said remote unit responsive to said account description information in said reply message for permitting said customer to select at least one of a plurality of different transactions involving said multiple different accounts, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said remote unit for customer-entry of at least one transaction amount corresponding to said at least one transaction, transaction processing means associated with said remote unit responsive to customer actuation of said transaction selection means and said amount selection means for processing independently of said central processing unit said at least one customer-selected transaction for said at least one customer-entered amount in accordance with said account balance information in said reply message so as to determine the allowability of said at least one transaction, whereby a customer upon a single insertion of his card into said card reader may perform at least one of a plurality of different transactions involving different accounts for at least one selective amount based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
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14. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the improvement comprising:
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a card with customer-identifying information encoded thereon, said customer-identifying information being unique to said customer, a card reader associated with said remote unit and responsive to said customer-identifying information encoded on said card for reading said customer-identifying information, request message assembly means associated with said remote unit responsive to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said remote unit for preparing and transmitting to said remote unit a reply message containing account data associated with said identified customer, said account data including account balance information for said customer, amount selection means associated with said remote unit for customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of a series of different transactions, transaction processing means associated with said remote unit responsive to customer actuation of said amount selection means for processing independently of said central processing unit said series of different transactions for said different customer-entered amounts in accordance with said account balance information in said reply message so as to determine the allowability of said series of different transactions. whereby a customer upon a single insertion of his card into said card reader may perform a series of different transactions for different amounts based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
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15. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the improvement comprising:
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a card with customer-identifying information encoded thereon, said customer-identifying information being unique to said customer, a card reader associated with said remote unit and responsive to said customer-identifying information encoded on said card for reading said customer-identifying information, request message assembly means associated with said remote unit responsive to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said remote unit for preparing and transmitting to said remote unit a reply message containing account data associated with said identified customer, said account data including account balance information for said customer, amount selection means associated with said remote unit for customer-entry of a transaction amount, transaction processing means associated with said remote unit responsive to customer actuation of said amount selection means for processing independently of said central processing unit said transaction for said customer-entered amount in accordance with said account balance information in said reply message so as to determine the allowablity of said transaction, whereby a customer upon a single insertion of his card into said card reader may perform a transaction for a selective amount based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
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16. An automated banking system available to a plurality of customers for processing banking transactions comprising:
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a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon, at least one remote unit alternatively operable in on-line and off-line modes, a card reader associated with said at least one remote unit and responsive to said information encoded on said card for reading said information, a central processing unit, a communication link for interconnecting said at least one remote unit and said central processing unit, request message assembly means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said at least one remote unit for preparing and transmitting to said at least one remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said account description information in said reply message from said central processing unit and responsive, when said at least one remote unit is in said off-line mode, to said permissible transaction information read from said card, respectively, for permitting said customer to select a series of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said at least one remote unit for customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, transaction processing means associated with said at least one remote unit and responsive to customer actuation of said transaction selection means and said mount selection means, when said at least one remote unit is in said on-line and off-line modes, for processing independently of said central processing unit said different customer-selected transactions for said different customer-selected amounts in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively, so as to determine the allowabiity of said series of different transactions. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. An automated banking system available to a plurality of customers for processing banking transactions comprising:
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a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon, at least one remote unit alternatively operable in on-line and off-line modes, a card reader associated with said at least one remote unit and responsive to said information encoded on said card for reading said information, a central processing unit, a communication link for interconnecting said at least one remote unit and said central processing unit, request message assembly means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said customer-identifying information read from said card for preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said at least one remote unit for preparing and transmitting to said at least one remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said account description information in said reply message from said central processing unit and responsive, when said at least one remote unit is in said off-line mode, to said permissible transaction information read from said card, respectively, for permitting said customer to select at least one of a plurality of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said at least one remote unit for customer-entry of at least one transaction amount corresponding to said at least one transaction, transaction processing means associated with said at least one remote unit and responsive to customer actuation of said transaction selection means and said amount selection means, when said at least one remote unit is in said on-line and off-line modes, for processing independently of said central processing unit said at least one customer-selected transaction for said at least one customer-selected amount in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively, so as to determine the allowability of said at least one transaction.
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28. An automated banking system available to a plurality of customers for processing banking transactions comprising:
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a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon, at least one remote unit alternatively operable in on-line and off-line modes, a card reader associated with said at least one remote unit and responsive to said information encoded on said card for reading said information, a central processing unit, a communication link for interconnecting said at least one remote unit and said central processing unit, request message assembly means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said customer-identifying and permissible transaction information read from said card for preparing and transmitting a request message containing said customer-identifying and permissible transaction information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said at least one remote unit for preparing and transmitting to said at least one remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said account description information in said reply message from said central processing unit and responsive, when said at least one remote unit is in said off-line mode, to said permissible transaction information read from said card, respectively, for permitting said customer to select a series of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said at least one remote unit for customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, transaction processing means associated with said at least one remote unit and responsive to customer actuation of said transaction sellection means and said amount selection means, when said at least one remote unit is in said on-line and off-line modes, for processing independently or said central processing unit different customer-selected transactions for said customer-selected amounts in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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29. An automated banking system available to a plurality of customers for processing banking transactions comprising:
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a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon, at least one remote unit alternatively operable in on-line and off-line modes, a card reader associated with said at least one remote unit and responsive to said information encoded on said card for reading said information, a central processing unit, a communication link for interconnecting said at least one remote unit and said central processing unit, request message assembly means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said customer-identifying and permissible transaction information read from said card for preparing and transmitting a request message containing said customer-identifying and permissible transaction information to said central processing unit via said communication link, reply message assembly means associated with said central processing unit and responsive to said request message received from said at least one remote unit for preparing and transmitting to said at least one remote unit a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, transaction selection means associated with said at least one remote unit and responsive, when said at least one remote unit is in said on-line mode, to said account description information in said reply message from central processing unit and responsive, when said at least one remote unit is in said off-line mode, to said permissible transaction information read from said card, respectively, for permitting said customer to select at least one of a plurality of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, amount selection means associated with said at least one remote unit for customer-entry of at least one transaction amount corresponding to said at least one transaction, transaction processing means associated with said at least one remote unit and responsive to customer actuation of said transaction selection means and said amount selection means, when said at least one remote unit is in said on-line and off-line modes, for processing independently of said central processing unit said at least one customer-selected transaction for said at least one customer-selected amount in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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30. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the method of:
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responding to insertion at said remote unit of a card with customer-identifying information encoded thereon by reading said customer-identifying information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, responding to said request message by preparing and transmitting to said remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select a series of different transactions involving said multiple different accounts, including cash withdrawal and/or fund transfer and/or deposits and/or payments in accordance with said account description information in said reply message, permitting customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, responding to customer selection of a transaction and customer entry of an amount by processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message so as to determine the allowability of said series of different transactions by transaction processing measns at said remote unit, whereby a customer upon a single insertion of his card may perform a series of different transactions involving different accounts for different amounts based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit. - View Dependent Claims (31, 32, 33, 35, 36, 37, 38, 39, 40, 41, 42)
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34. dispensing cash in said permitted amount,
decrementing said extended credit balance by the amount which said cash withdrawal exceeds said working balance of said customer'"'"'s account from which is customer indicates said cash withdrawal is to be deducted, whereby the system dispenses cash to said customer in an amount which exceeds the working balance of one of said customer'"'"'s accounts but which does not exceed the sum of said working balance plus said extended credit balance, thereby facilitating split deposit transactions in which said customer desires to withdraw cash in an amount which exceeds said one or more working balances.
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43. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the method of:
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responding to insertion at said remote unit of a card with customer-identifying information encoded thereon by reading said customer-identifying information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, responding to said request message by preparing and transmitting to said remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select at least one of a plurality of different transactions involving said multiple different accounts, including cash withdrawal and/or fund transfer and/or deposits and/or payments in accordance with said account description information in said reply message, permitting customer-entry of at least one transaction amount corresponding to said at least one transaction, responding to customer selection of a transaction and customer entry of an amount by processing independently of said central processing unit said at least one customer-selected transaction for said at least one customer-entered amount in accordance with said account balance information in said reply message so as to determine the allowability of said at least one transaction by transaction processing means at said remote unit, whereby a customer upon a single insertion of his card may perform at least one of a plurality of different transactions involving different accounts for at least one selective amount based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
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44. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the method of:
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responding to insertion at said remote unit of a card with customer-identifying information encoded thereon by reading said customer-identifying information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, responding to said request message by preparing and transmitting to said remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including account balance information for said customer, permitting customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of a series of different transactions, responding to customer entry of an amount by processing independently of said central processing unit said series of different transactions for said different customer-entered amounts in accordance with said account balance information in said reply message so as to determine the allowability of said series of different transactions by transaction processing means at said remote unit, whereby a customer upon a single insertion of his card may perform a series of different transactions for different amounts based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit.
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45. In an automated banking system having a central processing unit coupled to a remote unit via a communication link, the method of:
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responding to insertion at said remote unit of a card with customer-identifying information encoded thereon by reading said customer-identifying information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link, responding to said request message by preparing and transmitting to said remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including account balance information for said customer, permitting customer-entry of a transaction amount, responding to customer entry of an amount by processing independently of said central processing unit said transaction for said customer-entered amount in accordance with said account balance information in said reply message so as to determine the allowability of said transaction by transaction processing means at said remote unit, whereby a customer upon a single insertion of his card may perform a transaction for a selective amount based upon transmission of a single request message to said central processing unit containing said customer-identifying information and receipt of a single reply message from said central processing unit containing said account data, thereby economizing utilization of said communication link and said central processing unit. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 55)
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46. In an automated banking system having at least one remote unit alternatively operable in on-line and off-line modes, a central processing unit and a communication link for interconnecting said at least one remote unit and said central processing unit, the method for processing banking transactions including:
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responding to insertion at said at least one remote unit of a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon by reading said information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link when said at least one remote unit is in said on-line mode, responding to said request message by preparing and transmitting to said at least one remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select a series of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, in accordance with said account description information in said reply message from said central processing unit, when said at least one remote unit is in said on-line mode, and in accordance with said permissible transaction information read from said card, when said at least one remote unit is in said off-line mode, respectively, permitting customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, responding to customer selection of a transaction and customer entry of an amount, when said at least one remote unit is in said on-line and off-line modes, by processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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56. In an automated banking system having at least one remote unit alternatively operable in on-line and off-line modes, a central processing unit and a communication link for interconnecting said at least one remote unit and said central processing unit, the method for processing banking transactions including:
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responding to insertion at said at least one remote unit of a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon by reading said information, preparing and transmitting a request message containing said customer-identifying information to said central processing unit via said communication link when said remote unit is in said on-line mode, responding to said request message by preparing and transmitting to said at least one remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select at least one of a plurality of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, in accordance with said account description information in said reply message from said central processing unit, when said at least one remote unit is in said on-line mode, and in accordance with said permissible transaction information read from said card, when said at least one remote unit is in said off-line mode, respectively, permitting customer-entry of at least one transaction amount corresponding to said at least one transaction, responding to customer selection of a transaction and customer entry of an amount, when said at least one remote unit is in said on-line modes, by processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance informaion in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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57. In an automated banking system having at least one remote unit alternatively operable in on-line and off-line modes, a central processing unit and a communication link for interconnecting said at least one remote unit and said central processing unit, the method for processing banking transactions including:
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responding to insertion at said at least one remote unit of a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon by reading said information, preparing and transmitting a request message containing said customer-identifying and permissible transaction information to said central processing unit via said communication link when said at least one remote unit is in said on-line mode, responding to said request message by preparing and transmitting to said at least one remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select a series of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, in accordance with said account description information in said reply message from said central processing unit, when said at least one remote unit is in said on-line mode, and in accordance with said permissible transaction information read from said card, when said at least one remote unit is in said off-line mode, respectively, permitting customer-entry of a series of different transaction amounts corresponding, respectively, to transactions of said series of different transactions, responding to customer selection of a transaction and customer entry of an amount, when said at least one remote unit is in said on-line and off-line modes, by processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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58. In an automated banking system having at least one remote unit alternatively operable in on-line and off-line modes, a central processing unit and a communication link for interconnecting said at least one remote unit and said central processing unit, the method for processing banking transactions including:
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responding to insertion at said at least one remote unit of a card with customer-identifying information, credit limit information and permissible transaction information encoded thereon by reading and information, preparing and transmitting a request message containing said customer-identifying and permissible transaction information to said central processing unit via said communication link when said at least one remote unit is in said on-line mode, responding to said request message by preparing and transmitting to said at least one remote unit via said communication link a reply message containing account data associated with said identified customer, said account data including (a) account description information, designating multiple different accounts of said customer and (b) account balance information for said multiple different accounts of said customer, permitting said customer to select at least one of a plurality of different transactions, including cash withdrawal and/or fund transfer and/or deposits and/or payments, in accordance with said account description information in said reply message from said central processing unit, when said at least one remote unit is in said on-line mode, and in accordance with said permissible transaction information read from said card, when said at least one remote unit is in said off-line mode, respectively, permitting customer-entry of at least one transaction amount corresponding to said at least one transaction, responding to customer selection of a transaction and customer entry of an amount, when said at least one remote unit is in said on-line and off-line modes, by processing independently of said central processing unit said different customer-selected transactions for said different customer-entered amounts in accordance with said account balance information in said reply message when said at least one remote unit is in said on-line mode and in accordance with said credit information read from said card when said at least one remote unit is in said off-line mode, respectively.
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Specification