Electronic bankbook and processing system for financial transaction information using electronic bankbook

• US 6,029,887 A
• Filed: 03/18/1996
• Issued: 02/29/2000
• Est. Priority Date: 07/18/1994
• Status: Expired due to Fees

• Current Assignee: NTT Data Communications Systems Corporation
• Original Assignee: NTT Data Communications Systems Corporation
• Inventors: Inoue, Kenichiro, Kobayashi, Takafumi, Iwase, Noriyuki, Tokumasu, Atsumi, Takahashi, Sigefumi, Furuhashi, Nobuo, Takeda, Tomoo
• Primary Examiner(s): Hajec, Donald
• Assistant Examiner(s): Frech, Karl D.
• Application Number:
  US08/617,832
• Time in Patent Office: 1,443 Days
• Field of Search: 235/379, 235/380, 902/40, 902/41
• US Class Current: 235/379
• CPC Class Codes: G06K 19/08 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The object of the present invention is to propose an account bankbook, a money transfer card, a receipt file, and a checkbook utilizing an optical card, an IC card, or a hybrid optical/IC card. On the surface of a resin card base board 1 are formed an IC chip 11, an optical recording sheet 13, a magnetic stripe 14, and an embossment 12. In a semiconductor memory within the IC chip 11 are written validation keys, search keys, payee information, the upper limit amount of a check, and a program for processing transaction data. Access restrictions corresponding to various applications are imposed upon these data. The history of various cash transactions is recorded in the optical recording sheet 13. These records are of write-once type and rewriting or deletion thereof is impossible.

Claims

1. A transaction information processing device for an electronic bankbook in which transaction history containing information related to transactions executed in the past and transaction type codes of each of the transactions executed is recorded, said device comprising:

a type section means for selecting one or more transaction types which are desired by a customer;

a history querying means for selectively reading out from said electronic bankbook only the transaction history which is relevant to the transaction type selected by said type selection means, based upon the transaction type codes; and

a query result presentation means for presenting to the customer the transaction history which has been read out by said history querying means; and

wherein

said history querying means has an asset analysis means for reading out at least a partial items among the transaction history stored in said electronic bankbook to perform a predetermined analysis for asset employment; and

said query result presentation means has an analysis result presentation means for presenting to the customer a result of the analysis performed by said asset analysis means.

2. A transaction information processing device for an electronic bankbook according to claim 1, wherein the predetermined analysis includes, based upon a minimum balance amount among the transaction data in said electronic bankbook, calculating profits to be obtained by different manner uses of the minimum balance amount.

3. A transaction information processing device for an electronic bankbook according to claim 1, wherein said analysis result presentation means, in response to the result of the analysis from said asset analysis means, uses an advice message conversion table which is prepared in advance to present to the customer an advice message corresponding to the result of the analysis.

4. A transaction information processing device for an electronic bankbook according to claim 1, further comprising:

a code/character conversion means for converting said transaction type codes in the transaction history read out into character images;

wherein said query result presentation means presents to the customer the transaction types of the transaction history read out using the character images converted.

5. A transaction information processing device for an electronic bankbook according to claim 1 or 4, comprising:

a time period designation means for designating a time period according to the customer;

wherein said history querying means reads out from said electronic bankbook only the transaction history within the range of the time period designated, based upon dates and times of transaction history which are recorded in said electronic bankbook.

6. A transaction information processing device for an electronic bankbook according to claim 5, comprising:

a history signal receiving means capable of signal transmission with a bank host computer for, when the time period designated exceeds the time period of transaction history which is stored in said electronic bankbook, receiving from said bank host computer another transaction history for at least a exceeding portion of the time period designated.

7. A transaction information processing device for an electronic bankbook according to claim 1, further comprising:

a means connectable to a bank host computer for performing on-line transactions;

wherein said means for performing the on-line transactions and said history querying means are operational in parallel with one another.

8. A transaction information processing device for an electronic bankbook according to any one of claim 1:

wherein said history querying means has a balance querying means for selectively reading balance amounts from within the transaction history stored in said electronic bankbook; and

wherein said query result presentation means has a balance progress presentation means for presenting to the customer information showing a progress over time of the balance amounts read out.

9. A method of transaction information processing which uses an electronic bankbook in which transaction history including information related to transactions executed in the past and transaction type codes of each transaction executed is recorded, said method comprising the steps of:

selecting one or more transaction types which are desired by a customer;

selectively reading out from said electronic bankbook only the transaction history which is relevant to the transaction types which have been selected, based upon the transaction type codes;

presenting to the customer the transaction history selectively read out;

reading out from an asset analysis means at least a partial items among the transaction history stored in said electronic bankbook to perform a predetermined analysis for asset employment; and

presenting to the customer a result of the analysis performed by said asset analysis means.