EP0720102A1
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Electronic bankbook and cash transaction information processing system using the same
Assignee: NTT Data Group Corp
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Filing: 1995-07-18
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Granted: —
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Expires: 2015-07-18
Abstract
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.
Inventors
- 👤 Nobuo NTT Data Communications Sys Corp. FURUHASHI
- 👤 Kenichiro NTT Data Communications Sys Corp. INOUE
- 👤 Tomoo NTT Data Communications Systems Corp TAKEDA
- 👤 Sigefumi NTT Data Communications Sys C. TAKAHASHI
- 👤 Atsumi NTT Data Communications Sys Corp. TOKUMASU
- 👤 Takafumi NTT Data Communications Sys C. KOBAYASHI
- 👤 Noriyuki NTT Data Communications Sys Corp. IWASE
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-02 10:10
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06K; G06K19/00; G06K19/06; G06K19/08; G06K19/10; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/3415; G06Q20/38; G06Q20/40; G06Q20/409; G06Q20/4093
Claims Analysis
Total Claims: 30
Claim 1
Independent Claim
99 words
An electronic bankbook having a rewritable storage medium, a write-once storage medium and at least one magnetic stripe which are disposed in predetermined regions of the same card base plate, said bankbook comprising: a search information recording region provided in said rewritable storage medium for storing payee information and search key information; a region provided in said write-once storage medium for storing detailed bankbook information of which address is specified by said search key information; and a region provided in said magnetic stripe for storing bankbook information including a security code, a bank code, and a bank account number.
Claim 2
Dependent Claim
21 words
An electronic bankbook according to Claim 1, further comprising an IC chip including a semiconductor memory as said rewritable storage medium.
Claim 3
Dependent Claim
25 words
An electronic bankbook according to either one of Claim 1 and 2, further comprising a write-once type optical storage medium as said write-once storage medium.
Claim 4
Dependent Claim
71 words
An electronic bankbook according to any one of Claim 1 through Claim 3, further comprising a proud-indented portion formed upon a predetermined region of said card base board for exhibiting either of specific letter, figure and codes; wherein said rewritable storage medium, said write-once storage medium and said magnetic stripe are disposed in regions of said card base board which avoid the predetermined region on which said proud-indented portion is formed.
Claim 5
Dependent Claim
66 words
An electronic bankbook according to any one of Claim 1 through Claim 3, further comprising a proud-indented portion formed upon predetermined region of said card base board for exhibiting either of specific letters, figures and codes; wherein said rewritable storage medium and said write-once storage medium are disposed in regions which do not come into contact with a reading and writing means for said magnetic stripe.
Claim 6
Dependent Claim
66 words
An electronic bankbook for which writing and reading transaction data are performed by an automatic teller machine, comprising: a payee information storage section capable of being read by said automatic teller machine for storing one or a plurality of items of payee information determined by a customer; and a transaction data storage section provided separately from said payee information storage section for storing the transaction data.
Claim 7
Independent Claim
109 words
A system for money transfer processing using an automatic teller machine and an electronic bankbook, wherein the automatic teller machine comprises: a means, operational when said electronic bankbook having a transaction data storage section and a payee information storage section separate from the transaction data storage section, for reading out payee information registered in advance from the payee information storage section; a selection means for selecting a payee item intended by a customer from among the payee information registered in advance; and a mean for executing money transfer processing using the payee item which has been read out by said means for reading and selected by said selection means.
Claim 8
Dependent Claim
47 words
A system of money transfer processing according to Claim 7, further comprising a payee entry device, separate from said automatic teller machine, for writing one or a plurality of items of payee information determined by the customer into said payee information storage section of said electronic bankbook.
Claim 9
Independent Claim
118 words
A device for payee entry into an electronic bankbook having a transaction data storage section and a payee information storage section separate from the transaction data storage section, said device being separate from an automatic teller machine for writing and reading of the transaction data storage area in said electronic bankbook, said device comprising: an electronic bankbook read and write means for reading and writing information in said electronic bankbook; a customer input means for inputting payee item as determined by a the customer; and a control means for controlling said electronic bankbook read and write means so as to write payee item from said customer input means into the payee information storage section of said electronic bankbook.
Claim 10
Independent Claim
100 words
A method for payee entry into an electronic bankbook having a transaction data storage section and a payee information storage section separate from the transaction data storage section, comprising the steps of: setting said electronic bankbook accessibly to a payee entry device which is a separate unit from an automatic teller machine which performs writing and reading of transaction data in said electronic bankbook; inputting payee information as determined by a customer into said payee entry device; and writing the payee information which has been input, from said payee entry device into the payee storage section in said electronic bankbook.
Claim 11
Dependent Claim
110 words
A transaction information processing device which is used with an electronic bankbook in which information containing transaction type codes related to transactions executed in the past is recorded as transaction history, said device comprising: a type selection 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 types 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.
Claim 12
Dependent Claim
58 words
A transaction information processing device for an electronic bankbook according to Claim 11, 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.
Claim 13
Dependent Claim
50 words
A transaction information processing device for an electronic bankbook according to Claim 11 or Claim 12, 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.
Claim 14
Dependent Claim
74 words
A transaction information processing device for an electronic bankbook according to any one of Claim 11 through Claim 13: 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.
Claim 15
Dependent Claim
83 words
A transaction information processing device for an electronic bankbook according to any one of Claim 11 through Claim 13: 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 wherein 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.
Claim 16
Dependent Claim
46 words
A transaction information processing device for an electronic bankbook according to Claim 15, 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.
Claim 17
Dependent Claim
58 words
A transaction information processing device for an electronic bankbook according to Claim 15, 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.
Claim 18
Dependent Claim
72 words
A transaction information processing device for an electronic bankbook according to any one of Claim 11 through Claim 15, 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.
Claim 19
Dependent Claim
68 words
A transaction information processing device for an electronic bankbook according to Claim 18, 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.
Claim 20
Independent Claim
88 words
A method of transaction information processing which uses an electronic bankbook in which information including transaction type codes related to transactions executed in the past is recorded as transaction history code, said method comprising the steps of: inputting 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; and presenting to the customer the transaction history selectively read out.
Claim 21
Dependent Claim
75 words
An electronic receipt file card comprising: a recording medium for electronically recording receipt data indicating a recipient, a payment amount, a payment date/time, and a validation code for checking the legitimacy of the receipt data; wherein said recording medium is of write-once type; and wherein said validation code is generated based upon at least one of the payment amount and the payment date/time, and also upon a secret key which is specific to the recipient.
Claim 22
Dependent Claim
85 words
An electronic receipt entry device for electronically writing upon a recording medium receipt data indicating a recipient, a payment amount, a payment date and time, said device comprising: a means for generating a validation code for checking the legitimacy of the receipt data, based upon at least one of the payment amount and the payment date/time, and also upon a secret key which is specific to the recipient; and a means for writing the validation code together with the receipt data upon said recording medium.
Claim 23
Independent Claim
78 words
A method for electronically writing upon a recording medium receipt data indicating a recipient, a payment amount, and a payment date/time, said method comprising the steps of: generating a validation code for checking the legitimacy of the receipt data, based upon at least one of the payment amount and the payment date/time, and also upon a secret key which is specific to the recipient; and writing the validation code together with the receipt data upon said recording medium.
Claim 24
Dependent Claim
133 words
An electronic receipt read out device for reading out from a recording medium receipt data indicating a recipient, a payment amount, a payment date/time, and a validation code for checking the legitimacy of the receipt, said device comprising: a first calculation means for calculating a secret key which is specific to the recipient, based upon the recipient which is read out from said recording medium and also upon a predetermined validation secret code; a second calculation means for calculating a reference validation code based upon the secret key specific to the recipient and also upon at least one of the payment amount and the payment date/time; and a comparison means for comparing the reference validation code with the validation code in the receipt data to decide upon the legitimacy of the receipt data.
Claim 25
Dependent Claim
123 words
An electronic receipt read out method for reading out from a recording medium receipt data indicating a recipient, a payment amount, a payment date/time, and a validation code for checking the legitimacy of the receipt data, said method comprising the steps of: calculating a secret key which is specific to the recipient based upon the recipient which is read out from said recording medium and also upon a predetermined validation secret key; calculating a reference validation code based upon the secret key specific to the recipient and also upon at least one of the payment amount and the payment date/time; and comparing the reference validation code with the validation code in the receipt data to decide upon the legitimacy of said receipt data.
Claim 26
Dependent Claim
159 words
An electronic check system for issuing an electronic check of the form of electronic data, comprising: an IC card having an IC chip in which are stored an usable money amount and an set money amount which defines the upper limit for the usable money amount; a card issue device for writing the set money amount in the IC chip of said IC card; and a payment processing device for input a payment amount thereinto and for, only if the payment amount input does not exceed the usable money amount in said IC card, accepting the issue of an electronic check of said payment amount from said IC card and subtracting the payment amount from the usable money amount in said IC card; wherein the IC chip of said IC card imposes a rewrite restriction with respect to the set money amount, and maintains the rewrite restriction unless a rewrite authority key which only a payer knows is used.
Claim 27
Dependent Claim
43 words
An electronic check system according to Claim 26, wherein the IC chip imposes another rewrite restriction with respect to the usable money amount, and maintains the another rewrite restriction against devices other than said card issue device and than said payment processing device.
Claim 28
Dependent Claim
69 words
An electronic check system according to Claim 26: wherein said IC card further having an auxiliary recording medium for unerasably storing an issue history including at least a payment amount of an electronic check which has been issued; and wherein said payment processing device, when accepting the issue of the electronic check, writes the issue history of the electronic check which has been issued into said auxiliary recording medium.
Claim 29
Dependent Claim
93 words
An IC card for functioning as a book of electronic checks in the form of electronic data, comprising: an IC chip for storing an usable money amount which defines the upper limit for the face value of a single electronic check which can be issued, and an set money amount which defines the upper limit value for the usable money amount; wherein said IC chip imposes a rewrite restriction with respect to the set money amount, and maintain the rewrite restriction unless a rewrite authority key which only a payer knows is used.
Claim 30
Dependent Claim
133 words
A payment processing device for accepting the issue of an electronic check in the form of electronic data from an IC card which has an IC chip for storing an usable money amount and a set money amount, the usable money amount defining the upper limit for the face value of a single electronic check which can be issued, the set money amount defining the upper limit value for the usable money amount, said device comprising: a means for inputting a payment amount and for, only if the payment amount does not exceed the usable money amount in said IC card, accepting the issue of an electronic check of the payment amount from said IC card; and a means for subtracting the payment amount from the usable money amount in said IC card.
References Cited (Backward Citations)
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