Patent US3973406A successfully refreshed from Google Patents.
Patent EP0157416A2 successfully refreshed from Google Patents.
EP0157416A2
Expired / Lapsed
EP
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Financial transaction processing system using integrated circuit card
Assignee: Omron Corp
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Filing: 1985-04-02
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Granted: —
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Expires: 2005-04-02
Abstract
Abstract A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for each financial body. The IC card (6) comprises a read only memory (2) for storing data for specifying transaction accounts corresponding to a plurality of financial bodies and data of a single secret number common to the financial bodies. When the IC card (6) is inserted into the terminal, a customer can designate a specific account which he wishes to use, by operating a keyboard (20) provided in each of the terminals. In response to such designation, the corresponding account specifying data is read out from the ROM, but if the corresponding account is not stored in the ROM 2, a transaction can not be made. In addition, the account specifying data as read out and a claimed amount entered by a customer are sent to a center of each of the financial bodies where processing for payment is performed. However, if and when the balance is not sufficient, the center instructs the customer to select other account. A random access memory (3) included in the IC card (6) is made to store the amount after payment processing in the center, so that a transaction can be made with a cash dispensing terminal in an offline manner, by using such IC card (6).
Inventors
- 👤 Shinya C/O Omron Tateisi Electronics Co Yoshida
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-07 16:43
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/357; G06Q20/3572; G06Q20/3576; G06Q20/36; G06Q20/363
Claims Analysis
Total Claims: 9
Claim 1
Independent Claim
148 words
A financial transaction processing system comprising: an integrated circuit card (6) for use in financial transaction processing, said integrated circuit card including first data storage means (2) having storage area for storing data specifying transaction accounts corresponding to a plurality of financial bodies; and a terminal (16) for communicating with said integrated circuit card, said terminal including account designating means (Step S29) for designating a specific account which a customer wishes to use, out of said plurality of transaction accounts corresponding to the plurality of financial bodies; said integrated circuit card further including transaction data outputting means (Step S23 and Step S50) responsive to said account designating means for reading out data specifying the account designated by said account designating means from the data specifying transaction accounts corresponding to said plurality of financial bodies stored in said storage area and for transmitting the read data to said terminal.
Claim 2
Dependent Claim
148 words
A financial transaction processing system comprising: an integrated circuit card (6) for use in financial transaction processing, said integrated circuit card including first data storage means (2) having storage area for storing data specifying transaction accounts corresponding to a plurality of financial bodies; and a terminal (16) for communicating with said integrated circuit card, said terminal including account designating means (Step S29) for designating a specific account which a customer wishes to use, out of said plurality of transaction accounts corresponding to the plurality of financial bodies; said integrated circuit card further including transaction data outputting means (Step S23 and Step S50) responsive to said account designating means for reading out data specifying the account designated by said account designating means from the data specifying transaction accounts corresponding to said plurality of financial bodies stored in said storage area and for transmitting the read data to said terminal.
Claim 3
Dependent Claim
193 words
A financial transaction processing system in accordance with claim 1, which further comprises a center apparatus (21 - 24) provided for each of said plurality of financial bodies, and wherein said terminal further includes claimed amount information entering means (11) for entering information concerning a first claimed amount, and transaction data transmitting means (Step S13 and Step S41) for transmitting said first claimed amount information and said designated account specifying data to the center apparatus which said designated account belongs to, said center apparatus includes a center file (21d, 22d, 23d and 24d) for storing information associated with related accounts, including balance information of the related accounts, and account balance collating means (Step S57) for determining whether said first claimed amount is less than the balance of said designated account stored in said center file and for transmitting a signal indicating lack of balance when the first claimed amount is more than the balance, and said terminal further includes instructing means (Step S59) responsive to said lack-of-balance-indicating singal for instructing a customer to designate a new account from said plurality of transaction accounts except for said designated account, using said account designating means.
Claim 4
Dependent Claim
191 words
A financial transaction processing system in accordance with claim 1, which further comprises a center apparatus provided for each of said plurality of financial bodies, and wherein said integrated circuit card further includes second data storage means (3) being writable and readable and having a storage area at least for amount information, said terminal further includes claimed amount information entering means for entering first claimed amount information, transaction data transmitting means (Step S81) for transmitting said first claimed amount information and data specifying said designated account to a center apparatus'which said designated account belongs to, and writing means (Step S81) for writing said first claimed amount information and said designated account specifying data into said storage area of said second storage means, and said center apparatus further includes a center file for storing information associated with related accounts, including balance information of the accounts included in the file, and payment processing means (Step S82) responsive to said first claimed amount information received from said transaction data transmitting means and said designated account specifying data for making payment processing based on the balance of said designated account stored in said center file.
Claim 5
Dependent Claim
132 words
A financial transaction processing system in accordance with claim 3, which further comprises a cash dispensing terminal for communicating with said integrated circuit card having said storage area of said second data storage means in which said first claimed amount information and said designated account specifying data are stored, said cash dispensing terminal including entering means (Step S95) for entering a second claimed amount, and wherein said integrated circuit card further includes means (Step S105) for comparing said second claimed amount as entered with said first claimed amount information stored in said storage area of said second data storage means for providing a payment instruction instructing said cash dispensing terminal to dispense the cash corresponding to the second claimed amount when said second claimed amount is less than said first claimed amount.
Claim 6
Dependent Claim
66 words
A financial transaction processing system in accordance with claim 1, wherein said integrated circuit card further includes impossible transaction indicating signal outputting means (Step S49) for generating a signal indicating an impossible transaction and sending it to said terminal when the account designated by said account designating means is not included in the transaction accounts for said plurality of financial bodies stored in said storage area.
Claim 7
Dependent Claim
41 words
A financial transaction processing system in accordance with claim 1, wherein said account designating means designates, from said plurality of transaction accounts corresponding to said plurality of financial bodies, the specific account of specific financial bodies which said terminal belongs to.
Claim 8
Dependent Claim
34 words
A financial transaction processing system in accordance with claim 1, wherein said account designating means further includes means (11) for selecting and designating a desired account from said plurality of financial body transaction accounts.
Claim 9
Dependent Claim
35 words
A financial transaction processing system in accordance with claim 1, wherein said first data storage means further includes a storage area for storing a single secret number information common to said plurality of financial bodies.
References Cited (Backward Citations)
No citation records indexed.
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