Transaction processing system and transaction processing method

• US 5,854,581 A
• Filed: 09/06/1996
• Issued: 12/29/1998
• Est. Priority Date: 03/08/1994
• Status: Expired due to Term

• Current Assignee: OKI Electric Industry Company Limited
• Original Assignee: OKI Electric Industry Company Limited
• Inventors: Hamasaki, Satoshi, Suto, Sinichi, Mori, Tohru, Yoshizawa, Seiji, Tanabe, Shusaku, Koshida, Yoshinori
• Primary Examiner(s): Pitts, Harold
• Application Number:
  US08/704,782
• Time in Patent Office: 844 Days
• Field of Search: 235/379, 235/380
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

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).

Claims

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.

2. A transaction system according to claim 1, wherein, when the transaction processing starts between said first card and said second card, said transaction machine relays signals which are inputted and outputted between said first card and said second card without interposition in the transaction processing until said transaction machine receives a signal representing completion of transfer of electronic money from said first card and said second card.

3. A transaction system according to claim 1, wherein electronic money is stored in advance in said second card.

4. A transaction system according to claim 1, wherein electronic money is not stored in advance in said second card, and electronic money which is transferred from said host computer or said first card to said second card is transferred to said first card or said host computer in advance.

5. A transaction system according to claim 1, wherein said computer compares a system code or an ID code set for every said second card and received from said second card, with a system code or an ID code set for every said second card stored in said computer;

and

wherein said second card is authenticated as a genuine second card based on a result of the comparison.

6. A transaction system according to claim 1, further comprising means for coding the electronic money based on a predetermined rule.

7. A transaction system according to claim 1, further comprising a controller for executing a part of processing instead of said host computer,

wherein said controller compares a system code or an ID code set in said second card and received from said second card, with a system code or ID code set in said second card stored in said controller;

and

wherein said second card is authenticated as a genuine second card based on a result of the comparison.

8. A transaction system according to claim 1, further comprising a second card controller for supplying or collecting electronic money stored in said second card,

wherein said second card controller transmits a signal representing an instruction of transfer of the electronic money to said second card which transmitted an information signal showing requirement of supply or collection of another electronic money which is received from said second card.

9. A transaction system according to claim 1, wherein said transaction machine includes a printer for printing on a thermoplastic indication part formed on a surface of said first card or said second card.

10. A transaction system according to claim 1, wherein said transaction machine includes a display indicator or a journal printer, and

wherein said transaction machine reads information representing a history of transaction processing or a renewed balance from said second card, and indicates or prints the read information on a display or a journal.

11. A transaction system according to claim 1, wherein said transaction machine includes a clerk operation part, and

wherein said transaction machine, compares an ID code inputted from said clerk operation part with a clerk ID code stored in said transaction machine, and

wherein said transaction machine indicates on a display or prints on a journal when both ID codes agree with each other.

12. A transaction system according to claim 1, wherein said transaction machine includes a customer operation part, and

wherein said transaction machine indicates whether electronic money is added to said first card or not after cash is received through said customer operation part.

13. A transaction system according to claim 1, wherein said transaction machine includes a customer operation part, and

wherein said transaction machine indicates whether electronic money is added to said first card or cash is paid to a customer when payment is carried out by said customer operation part.

14. A transaction system according to claim 1, wherein said transaction machine can pay in cash, an amount specified by a customer within an

allowable range of said second card.

15. A transaction system according to claim 1, wherein said transaction machine can deposit an amount specified by a customer in an applicable account stored in said host computer within an allowable range of said first card.

16. A transaction system according to claim 1, wherein said transaction machine includes destruction means for electrically or physically destroying said second card, and

wherein said second card, is destroyed so as not to be reused when said second card is forcibly removed from said transaction machine.

17. A transaction system according to claim 1, wherein said transaction machine includes,

a volatile memory, and

a CPU for storing therein a program for loading a part of a program from an external equipment and carrying out processing,

wherein the part of the program is loaded from said external equipment and is stored in said volatile memory when said transaction machine is connected to said external equipment, and

wherein the program loaded from said external equipment is volatile when a power source of said transaction machine is cut off.

18. A transaction system according to claim 1, wherein said second card locks a program for transferring electronic money when a predetermined continuous number of errors occur.

19. A transaction system according to claim 18, wherein said second card transmits an information signal to an external equipment when locking the program for transferring the electronic money.

20. A transaction system according to claim 1, wherein said second card transmits an information signal to an external equipment when detecting a given amount of renewed balance predetermined in advance.

21. A transaction system according to claim 1, wherein said second card can carry out the transaction processing until a renewed balance reaches a given amount of over-payment predetermined in advance.

22. A transaction system according to claim 1, wherein said second card includes,

a volatile memory, and

a CPU for storing therein a program for loading a part of a program from said transaction machine and carrying out processing,

wherein a part of said program for transferring the electronic money is loaded from said transaction machine and is stored in said volatile memory when said second card is connected to said transaction machine, and

wherein the part of the program for transferring the electronic money is volatile when said second card is removed from said transaction machine.

23. A transaction system according to claim 1, wherein each of said first card and said second card include respectively;

a memory; and

an indication part;

wherein said first card and second card respectively store information representing histories of transaction processing thereof and renewed balances thereof in said memory, and indicate information representing histories of update transaction processing and renewed balances on said indication part when they respectively receive a signal showing completion of transfer of electronic money.

24. A transaction system according to claim 1, wherein each of said first card and said second card include respectively;

a memory;

an indication part using a display; and

input means;

wherein said first card and second card respectively store information representing histories of transaction processing thereof and renewed balances thereof in said memory when they respectively receive a signal showing completion of transfer of electronic money, and selectively indicate information representing histories of transaction processing or renewed balances thereof on said indication part based on an instruction inputted from said input means and representing that a content of indication of said indication part is switched.

25. A transaction system according to claim 1, wherein each of said first card and said second card include respectively;

a data memory;

an indication part using a display; and

input means;

wherein said first card and second card compare a personal ID code stored in said data memory and a personal ID code inputted from said input means;

wherein said first card and second card respectively can indicate information of histories of transaction processing and renewed balances thereof on said indication part only when both ID codes agree with each other.

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.

27. A transaction processing method according to claim 26, further comprising said transaction machine relaying signals inputted and outputted between said first card and said second card without interposition in the transaction processing until said transaction machine receives a signal showing completion of transfer of the electronic money from said first card and second card when the transaction processing starts between said first card and said second card.

28. A transaction processing method according to claim 26, wherein the electronic money is stored in said second card in advance.

29. A transaction processing method according to claim 26, wherein the electronic money is not stored in said second card in advance, and the electronic money which is transferred from said host computer or said first card to said second card is transferred to said first card or said host computer in advance.