Method for performing transaction

• US 5,214,269 A
• Filed: 02/24/1992
• Issued: 05/25/1993
• Est. Priority Date: 03/17/1989
• Status: Expired due to Term

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Nomura, Kunihiro, Kawaoka, Akihiro, Hiroya, Masaaki, Yamashita, Khotaro
• Primary Examiner(s): McGraw, Vincent P.
• Application Number:
  US07/839,078
• Time in Patent Office: 456 Days
• Field of Search: 235/379, 235/381, 235/380, 902/10, 902/13
• US Class Current: 235/379
• 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
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02

Abstract

The content of a banking transaction inputted through a terminal of specifying the transaction is executed if the transaction has sufficient related financial evidence (for example balance). In turn, in the case that there is no financial evidence or insufficient financial evidence, (for example, where the cash is selected as a transaction financial source and the cash is not deposited yet or a balance of the deposit selected as a financial source is lacking) an execution of the transaction is temporarily halted and the content of the halted transaction is stored in a file of halted transactions. Data relating to a transaction financial source is stored in a file of halted transactions; the information is checked when the balance of the account is renewed by a deposit or transfer, that is when it changes, and with respect to such checking execution of the halted transaction is judged as to whether it can now be carried out. Thereby, when the financial resources relating to a halted execution are changed and judged to now be sufficient, the halted transaction is automatically executed. In view of this fact, it is then possible to specify the transaction without having any financial evidence.

Claims

1. A method for automatically performing a banking transaction with a computer controlled system having public terminals and storage, the steps of:

storing financial transaction information such as deposit balances and relating to valuable goods, including securities, cash and checks to establish financial evidence relating to transactions such as withdrawal, deposit, transfer and dealing with valuable goods;

receiving customer input at one of the public terminals dedicated to dealing with the valuable goods to perform withdrawal or deposit of valuable goods as one item of a list of a single banking transaction;

receiving customer input at another one of the public terminals dedicated to specifying a transaction from among the transactions of deposit, withdrawal, and transfer as another item of the same list of a single banking transaction;

one of said steps of receiving being a first performed receiving and the other being a subsequently performed receiving;

executing all of the items of the list of a single banking transaction based upon the presence of sufficient financial evidence independently of the order of said steps of receiving; and

at one of the corresponding dedicated terminals for dealing valuable goods and specifying a transaction used in said subsequently performed receiving, taking in an inserted medium for identifying the customer for completion of the transaction involving the subsequently performed receiving, and in response to said first performed receiving, issuing the medium for identifying the customer when the operations of the respective terminal are terminated.

2. A method for performing a banking transaction according to claim 1, in which said executing includes the following steps:

judging the executability of the list of a single transaction by comparing a total amount of the single banking transaction with available balance independently of the order of said steps of receiving at the terminals,

separating the list of a single banking transaction into a list of a transaction executable just after specifying the transaction and a list of a halted transaction in response to said judging, and

completing the execution of the list of a transaction executable independently of the list of a halted transaction and storing the list of a halted transaction.

3. A method for performing a banking transaction according to claim 2, including,

collecting the list of a halted transaction at time intervals by a host computer, and

storing the collected lists of halted transactions as a file for halting transactions at a location central to the terminals.

4. A method for performing a banking transaction according to claim 1, further comprising the following steps to be performed at one of the terminals:

displaying the user inputted content of a transaction;

printing the content of the transaction;

judging the executability of the content of transaction;

after completion of the first performed receiving, guiding the customer by indicating another terminal for the subsequently performed receiving to complete the transaction; and

said executing including communicating with a host computer.

5. A method for performing a banking transaction according to claim 1, including:

operating a confirmation key, at the terminals for dealing valuable goods, only by a bank employee for indicating an acceptance of valuable goods through a person with respect to an acceptance of securities not received by machine.

6. A method for performing a banking transaction according to claim 1, including:

said issuing including issuing the medium with recorded information including a total amount of valuable goods by the terminal for dealing valuable goods or a content of transaction specified by the terminal for specifying a transaction.

7. A method of performing a banking transaction according to claim 1, wherein at least one of said steps receiving is conducted at a general purpose terminal outside of a banking institution and includes the step of connecting said general purpose terminal over a telephone wire with the banking institution.

8. A method for performing a banking transaction according to claim 4, further comprising storing a program for controlling each of said steps, and storing the content of the transaction.