Financial transaction processing system using an integrated circuit card device
First Claim
1. A financial transaction processing system comprising:
- an integrated circuit card for use in financial transaction processing, said integrated circuit card including first data storage means having storage area for storing data specifying a plurality of transaction accounts corresponding to a plurality of financial institutions; and
a terminal for communicating with said integrated circuit card, said terminal including account designating means for designating a specific account which a customer wishes to use, out of said plurality of transaction accounts corresponding to the plurality of financial institutions;
said integrated circuit card further including transaction data outputting means responsive to said account designating means for reading out data specifying the account designated by said account designating means from the data specifying transaction accounts corresponding to said plurality of financial institutions stored in said storage area and for transmitting the read data to said terminal.
1 Assignment
0 Petitions
Accused Products
Abstract
A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for each financial body. The IC card (6) comprises a read only memory (2) for storing data for specifying transaction accounts corresponding to a plurality of financial bodies and data of a single secret number common to the financial bodies. When the IC card (6) is inserted into the terminal, a customer can designate a specific account which he wishes to use, by operating a keyboard (20) provided in each of the terminals. In response to such designation, the corresponding account specifying data is read out from the ROM, but if the corresponding account is not stored in the ROM 2, a transaction can not be made. In addition, the account specifying data as read out and a claimed amount entered by a customer are sent to a center for the financial institutions carrying account where processing for payment is performed. However, if and when the balance is not sufficient, the center instructs the customer to select another account. A random access memory (3) included in the IC card (6) is made to store the amount after payment processing in the center, so that a transaction can be made with a cash dispensing terminal in an offline manner, by using such an IC card (6).
337 Citations
8 Claims
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1. A financial transaction processing system comprising:
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an integrated circuit card for use in financial transaction processing, said integrated circuit card including first data storage means having storage area for storing data specifying a plurality of transaction accounts corresponding to a plurality of financial institutions; and a terminal for communicating with said integrated circuit card, said terminal including account designating means for designating a specific account which a customer wishes to use, out of said plurality of transaction accounts corresponding to the plurality of financial institutions; said integrated circuit card further including transaction data outputting means responsive to said account designating means for reading out data specifying the account designated by said account designating means from the data specifying transaction accounts corresponding to said plurality of financial institutions stored in said storage area and for transmitting the read data to said terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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Specification