Transaction processing system and transaction processing method
First Claim
1. A transaction processing system comprising a host computer of financial institutions, a transaction machine, a first card for customers, and a second card for financial institutions and stored in said transaction machine;
- whereinsaid transaction machine includes an interface for transmitting and receiving signals between said transaction machine and said host computer, a first card reader-writer for transmitting and receiving signals between said transaction machine and said first card, and a second card reader-writer for transmitting and receiving signals between said transaction machine and said second card;
said transaction machine accesses an account stored in said host computer in response to account information stored in said first card when receipt payment or payment processing is carried out;
said host computer transmits a signal representing authentication of receipt or payment processing to be carried out between said first card and said second card to said first card and said second card by way of said transaction machine;
wherein said first card and said second card directly and mutually carry out receipt or payment processing based on the signal representing authentication of the receipt or payment processing; and
wherein said host computer renews a balance of said account which is accessed, by adding or subtracting a sum transferred by the receipt or payment processing.
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Accused Products
Abstract
This invention relates to a transaction processing system including a host computer (1), a transaction device (2), a first customer card (3) and a second customer card (4). The first card (3) and the second card (4) directly transfer information representing monetary values between them on the basis of signals verifying a transaction processing received from the host computer (1) through the transaction device (2). When the information representing the monetary values are exchanged between the first card (3) and the second card (4), the host computer (1) updates the balance of the account stored in the host computer (1).
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Citations
29 Claims
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1. A transaction processing system comprising a host computer of financial institutions, a transaction machine, a first card for customers, and a second card for financial institutions and stored in said transaction machine;
- wherein
said transaction machine includes an interface for transmitting and receiving signals between said transaction machine and said host computer, a first card reader-writer for transmitting and receiving signals between said transaction machine and said first card, and a second card reader-writer for transmitting and receiving signals between said transaction machine and said second card; said transaction machine accesses an account stored in said host computer in response to account information stored in said first card when receipt payment or payment processing is carried out; said host computer transmits a signal representing authentication of receipt or payment processing to be carried out between said first card and said second card to said first card and said second card by way of said transaction machine; wherein said first card and said second card directly and mutually carry out receipt or payment processing based on the signal representing authentication of the receipt or payment processing; and wherein said host computer renews a balance of said account which is accessed, by adding or subtracting a sum transferred by the receipt or payment processing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
- wherein
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26. A transaction processing method for a transaction processing system comprising a host computer of financial institutions, a transaction machine, a first card for customers, and a second card for financial institutions and stored in said transaction machine;
- said transaction processing method comprising;
said transaction machine checking a genuineness of said first card; said transaction machine accessing an account stored in said host computer in response to an account information stored in said first card; said transaction machine checking to see whether a card holder is a corresponding customer in person; said host computer authenticating a receipt or payment processing to be carried out between said first card and said second card and transmitting a signal representing authentication of the transaction processing to said first card and said second card, and wherein said first card and said second card mutually authenticate each other based on the signal representing authentication of the receipt or payment processing received from said host computer, then directly and mutually transfer electronic money, and wherein said host computer renews a balance of said account which is accessed, by adding or subtracting a sum transferred by the receipt or payment processing. - View Dependent Claims (27, 28, 29)
- said transaction processing method comprising;
Specification