Advance transaction processing method

• US 5,064,999 A
• Filed: 08/21/1990
• Issued: 11/12/1991
• Est. Priority Date: 08/21/1989
• Status: Expired due to Term

• Current Assignee: Chuba Hitachi Electric Company Limited, Hitachi, Ltd.
• Original Assignee: Chuba Hitachi Electric Company Limited, Hitachi, Ltd.
• Inventors: Okamoto, Ryuichi, Kasugai, Hiroshi, Tamamoto, Seishi, Nishiguchi, Masato
• Primary Examiner(s): PITTS, HAROLD I
• Application Number:
  US07/570,526
• Time in Patent Office: 448 Days
• Field of Search: 235/379, 235/380, 902/5, 902/8, 364/405, 364/408
• US Class Current: 235/379
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/12 Card verification

Abstract

An advance transaction processing method in a transaction processing system for conducting transaction by inserting a card as a recording medium into an automatic teller machine by a user and carrying out input operation by the user, involves registering transaction assigning data for assigning transaction operation to be conducted by the user, a transaction restriction condition, and card identifying data on the card carried by the user; allowing an internal storage or a storage of the central processing unit connected to the automatic teller machine to store a transaction-operational procedure by using the transaction assigning data as a key for search; confirming as to whether the transaction restriction condition is satisfied, when the card is inserted into the automatic teller machine; reading the transaction-operational procedure by using the transaction assigning data recorded on the card as the key for search; and allowing the automatic teller machine to execute the processing for the transaction in accordance with the transaction-operational procedure.

Claims

1. An advance transaction processing method in a transaction processing system for conducting transaction by inserting a card as a recording medium into an automatic teller machine by a user and carrying out input operation by the user, comprising:

registering transaction assigning data for assigning transaction operation to be conducted by the user, a transaction restriction condition, and card identifying data on the card carried by the user;

allowing an internal storage of the automatic teller machine to store a transaction-operational procedure by using the transaction assigning data as a key for search;

confirming as to whether the transaction restriction condition is satisfied, when the card is inserted into the automatic teller machine;

reading the transaction-operational procedure by using the transaction assigning data recorded on the card as the key for search; and

allowing the automatic teller machine to execute the processing for the transaction in accordance with the transaction-operational procedure.

2. An advance transaction processing method as claimed in claim 1, wherein the transaction restriction condition for the advance transaction is confirmed by checking whether data on at least one of a scheduled day/time of the transaction to be conducted, a local area in which the automatic teller machine to be used for the advance transaction is installed, and a bank or banking organization at which the automatic teller machine to be used for the advance transaction is installed is identical.

3. A process for registering an advance transaction in an advance transaction processing method as claimed in claim 1, for subjecting the transaction intended to be conducted later to advance transaction, comprising:

recording transaction-operational data for a normal transaction operation to be implemented by inserting a card carried by a user into an automatic teller machine temporarily on an internal storage of the automatic teller machine as advance registration data;

allowing the user to select as to whether to conduct the transaction operation so far conducted again at the time of advance transaction which follows later, immediately prior to completion of normal transaction;

inputting a transaction restriction condition for the advance transaction when the user has selected so as to implement the transaction, which is to be conducted later, on the basis of the advance transaction;

registering transaction assigning data in a combination of the advance registration data for the transaction-operational procedure temporarily recorded with the transaction restriction condition as key data in the storage of a central processing unit connected to the automatic teller machine;

recording the transaction assigning data and the transaction restriction condition inputted in advance on the card inserted into the automatic teller machine; and

returning the card to the user.

4. An advance transaction processing method as claimed in claim 1, for processing the transaction automatically without inputting the transaction operation by the user subsequent to insertion of the card into the automatic teller machine, said method comprising:

reading the transaction restriction condition recorded on the card on which the advance transaction in turn is registered;

confirming as to whether the transaction restriction condition is satisfied;

reading the transaction assigning data recorded on the card when the transaction restriction condition is satisfied;

searching reserved registration data registered in the internal storage of the automatic teller machine from a key data by using the transaction assigning data as the key data for search; and

executing the transaction with the automatic teller machine in accordance with the transaction-operational data contained in the reserved registration data.

5. A process for registering an advance transaction as claimed in claim 3, for executing the advance transaction to be handled on a regular basis in a package with the automatic teller machine, wherein:

the transaction assigning data constituting the key data for search of the reserved registration data to be recorded on the card as the recording medium and the transaction restriction condition are recorded in a package by the bank or banking organization running the automatic teller machine;

the card as the recording medium is distributed to each user; and

the internal storage of the automatic teller machine is regularly registered with corresponding reserved registration data in a package.

6. An advance transaction processing method as claimed in claim 4, wherein:

the card as the recording medium is an IC card having at least a processing unit and a storage disposed therein;

the reserved registration data and the transaction restriction condition are registered only in the storage of the IC card; and

whether the transaction restriction condition is satisfied at the time of executing the advance transaction is confirmed by the processing unit of the IC card.

7. An advance transaction processing method in a transaction processing system for conducting by inserting a card as a recording medium carried by a user into an automatic teller machine to which a central processing unit is connected and implementing input operation by the user, comprising:

registering transaction assigning data for assigning transaction operation to be conducted by the user, a transaction restriction condition, and card identifying data on the card carried by the user;

allowing a storage of a central processing unit to which the automatic teller machine is connected, to store a transaction-operational procedure by using the transaction assigning data as a key for search;

confirming as to whether the transaction restriction condition is satisfied, when the card is inserted into the automatic teller machine;

reading the transaction-operational procedure by using the transaction assigning data recorded on the card as the key for search; and

allowing the automatic teller machine to execute the processing for the transaction in accordance with the transaction-operational procedure.

8. An advance transaction processing method as claimed in claim 7, wherein the transaction restriction condition for the advance transaction is confirmed by checking whether data on at least one of a scheduled day/time of the transaction to be conducted, a local area in which the automatic teller machine to be used for the advance transaction is installed, and a bank or banking organization at which the automatic teller machine to be used for the advance transaction is installed is identical.

9. A process for registering an advance transaction intended to be conducted later in an advance transaction processing method as claimed in claim 7, for subjecting the transaction intended to be conducted later to advance registration, comprising:

transaction-operational data for a normal transaction operation to be implemented by inserting a card carried by a user into an automatic teller machine being temporarily recorded on a storage of a central processing unit to which the automatic teller machine is connected as advance registration data;

allowing the user to select as to whether to conduct the transaction operation so far conducted again at the time of advance transaction to be implemented later, immediately prior to completion of normal transaction;

inputting a transaction restriction condition for the advance transaction when the user has selected so as to implement the transaction, which is to be conducted later, on the basis of the advance transaction;

registering transaction assigning data in a combination of the advance registration data for the transaction-operational procedure temporarily recorded with the transaction restriction condition as key data in the storage of a central processing unit connected to the automatic teller machine;

recording the transaction assigning data and the transaction restriction condition inputted in advance on the card inserted into the automatic teller machine; and

returning the card to the user.

10. An advance transaction processing method as claimed in claim 7, for processing the transaction automatically without inputting the transaction operation by the user subsequent to insertion of the card into the automatic teller machine, comprising:

reading the transaction restriction condition recorded on the card no which the advance transaction in turn is registered;

confirming as to whether the transaction restriction condition is satisfied;

reading the transaction assigning data recorded on the card when the transaction restriction condition is satisfied;

searching reserved registration data registered in the storage of the central processing unit to which the automatic teller machine is connected from a key data by using the transaction assigning data as the key data for search; and

executing the transaction with the automatic teller machine in accordance with the transaction-operational data contained in the reserved registration data.

11. A process for registering an advance transaction as claimed in claim 9, wherein the bank or banking organization at which the advance transaction is implemented is assigned as the transaction restriction condition for the advance transaction.

12. A process for registering an advance transaction as claimed in claim 9, wherein a particular automatic teller machine at the bank or banking organization at which the advance transaction is implemented is assigned as the transaction restriction condition for the advance transaction.

13. A process for registering an advance transaction as claimed in claim 9, wherein a prefecture and an area having the bank or banking organization at which the advance transaction is implemented is assigned as the transaction restriction condition for the advance transaction.

14. A process for registering an advance transaction as claimed in claim 9, for executing the advance transaction to e handled on a regular basis in a package with the automatic teller machine, wherein:

the transaction assigning data constituting the key data for search of the reserved registration data to be recorded on the card as the recording medium and the transaction restriction condition are recorded in a package by the bank or banking organization running the automatic teller machine;

the card as the recording medium is distributed to each user; and

the internal storage of the automatic teller machine is regularly registered with corresponding reserved registration data in a package.

15. An advance transaction processing method as claimed in claim 10, wherein:

the card as the recording medium is an IC card having least a processing unit and a storage disposed therein;

the reserved registration data and the transaction restriction condition are registered only in the storage of the IC card; and

whether the transaction restriction condition is satisfied at the time of executing the advance transaction is confirmed by the processing unit of the IC card.