Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine

• US 5,952,639 A
• Filed: 12/05/1996
• Issued: 09/14/1999
• Est. Priority Date: 12/08/1995
• Status: Expired due to Term

• Current Assignee: Hitachi, Ltd.
• Original Assignee: Hitachi, Ltd.
• Inventors: Kitagawa, Hiroki, Ohki, Masayuki, Oosawa, Takao, Urushihara, Atsuhiko, Furuya, Jun
• Primary Examiner(s): ST CYR, DANIEL
• Application Number:
  US08/761,749
• Time in Patent Office: 1,013 Days
• Field of Search: 235/375, 235/379, 235/380, 235/382, 235/492, 902/4, 902/5, 902/8, 902/25, 902/26
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

An electronic-money card is used for carrying out transactions such as depositing, drawing, cash exchanging and transfers of electronic money in an automatic teller machine. A plurality of menus showing a variety of transactions are displayed so that the user to select one of the menus. If the deposit menu is selected, menus for cash and electronic money are displayed to request the user to select whether the money to be deposited is cash or electronic money. If the user selects the electronic-money deposit menu, the user is requested to enter a cash card and a password number. Once the password number is entered, the validity of the user is verified. After the validity of the user has been verified, the user is requested to enter an IC card and to specify the amount of electronic money to be deposited. Electronic money of the specified amount is drawn from the IC card and deposited in an account of the user by transferring the drawn electronic money to an electronic value box in a bank business system by way of a communication line. Thus, the transaction to deposit electronic money can be carried out in combination with a cash card in an automatic teller machine.

Claims

1. A method for handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) designating a financial account to which depositing is to be executed;

(b) inserting a card containing electronic money;

(c) designating amount of money to be deposited; and

(d) executing processing of depositing electronic money within the electronic money contained in the card, to the financial account, based upon the designated amount of money to be deposited.

2. A method for handling electronic money according to claim 1, further comprising step of:

(e) requesting a user to select cash or electronic money as transaction money;

wherein said step (d) is executed under a condition that electronic money has been selected as transaction money by said user at said step (e).

3. A method for handling electronic money according to claim 1, further comprising a step of:

(e) requesting a user to select a transaction item;

wherein said step (d) is executed under a condition that an item for depositing money has been selected as a transaction item by said user at said step (e).

4. A method of handling electronic money in an automatic cash handling machine, comprising the steps of:

(a) inserting into the machine, a cash card which holds account identification information of a financial account;

(b) inputting a password number;

(c) inputting withdraw amount of electronic money to be withdrawn from a financial account specified by the account identification information;

(d) inserting an electronic money card into the machine; and

(e) storing electronic money of amount corresponding to the inputted withdraw amount into the electronic money card.

5. A method of handling electronic money according to claim 4, further comprising a step of:

(f) designating cash or electronic money as a kind of money to be withdrawn, thereby causing money of the designated kind of money to be withdrawn.

6. A method of handling electronic money in an automatic cash handling machine, comprising the steps of:

(a) inserting into the machine, a cash card which holds account identification information of a deposit target financial account;

(b) inputting cash to be deposited

(c) accepting the inputted cash;

(d) executing a process for depositing money of amount corresponding to amount of money of the accepted cash into an account designated by the account identification account held in the cash card;

(e) inserting an electronic money card into the machine, and inputting deposit amount of money;

(f) withdrawing from the inserted electronic card, electronic money of amount corresponding to the inputted deposit amount of money; and

(g) executing a process for depositing money of amount corresponding to the amount corresponding to the inputted amount into an account.

7. A method of handling electronic money in an automatic cash handling machine, comprising the steps of:

(a) requesting balance check of a financial account, and inserting into the machine, a cash card which holds account identification information of the account;

(b) inputting a password;

(c) displaying a balance of the account;

(d) inserting an electronic money card into the machine and requesting check of the balance;

(e) reading a balance of electronic money held in the electronic money card therefrom; and

(f) displaying the read balance.

8. A method of handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) inserting a card which can contain electronic money;

(b) accepting cash; and

(c) storing electronic money of amount corresponding to amount of the cash, into the card.

9. A method of handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) inserting a card which contains electronic money;

(b) requesting a user to select one of exchange from cash to electronic money and exchange from electronic money to cash;

(c) selecting exchange from electronic money to cash;

(d) designating amount of electronic money to be exchanged to cash, within the electronic money contained in the card;

(e) withdrawing electronic money of amount corresponding to the designated amount of electronic money, from the card; and

(f) dispensing cash corresponding to the designated amount.

10. A method of handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) designating a financial account of a remittee;

(b) inserting a card which contains electronic money;

(c) designating amount of money to be transferred to the account electronic money; and

(d) executing processing of transferring electronic money to the financial account within the electronic money contained in the card, based upon the designated amount of money.

17. A method for handling electronic money according to claim 10, further comprising a step of:

(e) requesting a user to select cash or electronic money as transaction money;

wherein said step (d) is executed under a condition that electronic money has been selected as transaction money by said user at said step (e).

18. A method for handling electronic money according to claim 10, further comprising a step of:

(e) requesting a user to select a transaction item;

wherein said step (d) is executed under a condition that an item for transfer of money has been selected as a transaction item by said user at said step (e).

11. A method for handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) inserting a card which is for use in cash transaction and stores a financial account to which depositing is to be executed;

(b) inserting a card containing electronic money;

(c) designating amount of money to be deposited; and

(d) executing processing of depositing electronic money within the electronic money contained in the card to said financial account, based upon the designated amount of money to be deposited.

12. A method for handling electronic money according to claim 11, further comprising a step of:

(e) requesting a user to select cash or electronic money as transaction money;

wherein said step (d) is executed under a condition that electronic money has been selected as transaction money by said user at said step (e).

13. A method for handling electronic money according to claim 11, further comprising a step of:

(e) requesting a user to select a transaction item;

wherein said step (d) is executed under a condition that an item for depositing money has been selected as a transaction item by said user at said step (e).

14. A method for handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) inserting a card which is for use in cash transaction and stores a financial account to which withdrawal is to be executed;

(b) inputting a password number;

(c) inserting a card which can contain electronic money;

(d) designating amount of money to be withdrawn as electronic money; and

(e) executing processing of storing electronic money into the card from the financial account, based upon the designated amount of money to be withdrawn.

15. A method for handling electronic money according to claim 14, further comprising a step of:

(f) requesting a user to select cash or electronic money as transaction money;

wherein said step (e) is executed under a condition that electronic money has been selected by said user at said step (f).

16. A method of handling electronic money in an automatic cash handling machine which can handle depositing by cash, comprising the steps of:

(a) inserting a card which can contain electronic money;

(b) requesting display of balance of electronic money; and

(c) reading and displaying balance of electronic money contained in the card.