Portable terminal device

• US 4,511,970 A
• Filed: 03/31/1982
• Issued: 04/16/1985
• Est. Priority Date: 04/08/1981
• Status: Expired due to Fees

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Okuma, Yasuo, Okano, Yoshio
• Primary Examiner(s): Smith, Jerry
• Assistant Examiner(s): Woo, Louis
• Application Number:
  US06/363,800
• Time in Patent Office: 1,112 Days
• Field of Search: 364/408, 364/401, 364/900, 235/379
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A portable terminal device is adapted to effect transaction operation by transmitting and receiving data to and from a central unit. When transaction data is entered, the transactions including the current transaction are accumulated, and when the accumulated transaction exceeds a predetermined limit determined by a preset transaction limiting data, the transaction based on the input data is inhibited.

Claims

1. A portable terminal device adapted to be carried to a customer site and to perform transaction operations by transmitting and receiving data to and from a central unit through a telephone set, said portable terminal device comprising:

a card reader for receiving a transaction card on which customer data is recorded, a first control card on which transaction limiting data is recorded for limiting the scope of transactions permitted by said terminal device, said transaction limiting data including at least one limiting item data indicative of a limit of total transaction amount to be permitted, and a second control card on which data is recorded for causing the inhibiting of transactions by said terminal device, said card reader functioning for reading out the data recorded on each of said transaction, first control card and second control cards;

a keyboard for inputting transaction data;

data buffer means coupled to said keyboard and said card reader for temporarily storing the transaction data inputted from said keyboard and the customer data read out from said transaction card by said card reader;

memory means coupled to said card reader for storing said transaction limiting data read out from said first control card by said card reader;

state storing means coupled to said card reader for holding a transaction ready state in which said terminal device is ready for a transaction when said transaction limiting data is stored in said memory means and a transaction inhibit state in which said terminal device is inhibited for a transaction when said card reader reads out said second control card;

transmitting means coupled to said data buffer means for transmitting the data stored in said data buffer means to said central unit through said telephone set during a time in which said state storing means holds the transaction ready state;

accumulating means coupled to said data buffer means operative prior to the data transmission by said transmitting means to said central unit for producing an accumulation of transactions for each limiting item of said transaction limiting data; and

means coupled to said accumulation means and said memory means for checking whether or not a value of the accumulation produced by said accumulating means exceeds a value for the corresponding limiting item of said transaction limiting data stored in said memory means, said means for checking causing the inhibition of the data transmission by said transmitting means to said central unit when the value of the accumulation exceeds the value for the corresponding item of said transaction limiting data,

whereby transactions with a plurality of customers are possible within a scope allowed by a manager of said terminal device.

2. A portable terminal device according to claim 1, further comprising means for setting said state storing means into the transaction inhibit state when the value of the accumulation produced by said accumulating means exceeds the value of the corresponding limiting item of said transaction limiting data.

3. A portable terminal device according to claim 2, wherein said transaction limiting data recorded on said first control card includes as a limiting item data indicative of a limit number of transactions, said memory means includes a first memory for storing the data of the limit of total transaction amount read out from said first control card and a second memory for storing the data of the limit number of transactions read out from said first control card, said accumulating means producing respective accumulations for the transaction amount and the number of transactions each time any given transaction is to be carried out, and said means for checking operating to inhibit the data transmission by said transmitting means to said central unit when either a value of the accumulated transaction amount or a value of the accumulated transaction number produced by said accumulating means exceeds either the content of said first memory or the content of said second memory.

4. A portable terminal device according to claim 3, further comprising timer means which starts its timer operation when said transaction limiting data read out from said first control card is stored in said memory means and sets said state storing means into the transaction inhibit state when a predetermined time has been ealpsed, whereby a plurality of transactions are possible only within a limited time.

5. A portable terminal device according to claim 1, wherein said transaction limiting data recorded on said first control card includes as a limiting item data indicative of a limit number of transactions, said memory means includes a first memory for storing the data of the limit of total transaction amount read out from said first control card and a second memory for storing the data of the limit number of transactions read out from said first control card, said accumulating means producing respective accumulations for the transaction amount and the number of transactions each time any given transaction is to be carried out, and said means for checking operating to inhibit the data transmission by said transmitting means to said central unit when either a value of the accumulated transaction amount or a value of the accumulated transaction number produced by said accumulating means exceeds either the content of said first memory or the content of said second memory.

6. A portable terminal device according to claim 5, further comprising timer means which starts its timer operation when said transaction limiting data read out from said first control card is stored in said memory means and sets said state storing means into the transaction inhibit state when a predetermined time has been elapsed, whereby a plurality of transactions are possible only within a limited time.