Money transaction system

Claim 1

In a transaction system which comprises a card having a card balance recorded therein, said card balance being set to a predetermined value when an on-line transaction is effected and also being subsequently updated each time an on-line transaction is effected, at least one terminal transaction processor operable on the basis of on-line and off-line computer scheme, said terminal transaction processor being adapted to be operated by an individual having said card, and a center connected with the terminal transaction processor through an on-line channel and having a file for recording thereon data corresponding to the card, said center being capable of recording on the card an ordinary deposit balance owned by the individual having the card, one or both of said card and said file having recorded therein a maximum purchase amount with which the individual having the card can transact during the off-line transaction scheme, the improvement which comprises a card balance updating means for updating the card balance and the ordinary deposit balance during the on-line transaction scheme as a result of comparison, performed prior to the intended transaction, between the card balance and the maximum purchase amount, whereby cash can be dispensed to the individual during the off-line transaction scheme within the framework of the maximum purchase amount even after the operation by the individual during the on-line transaction scheme involving no cash transaction.