Transaction recording system and method

A transaction recording system comprises means for inputting transaction data, means for storing said transaction data, means for writing the transaction data input from said inputting means into said storing means, means for reading out required transaction data from said storing means and outputting them, and means for changing account processing data of a memo item and its related items among the transaction data stored in said storing means. A transaction recording method comprises the steps corresponding to the respective means of the system. The transaction recording system and method permit the transaction data to be later changed thereby to provide data useful for processing an account such as a household account book.

BACKGROUND OF THE INVENTION 
The present invention relates to a transaction recording system and method, 
and more particularly to a system and method for changing the contents of 
a cash transaction. 
Automated transaction machines such as an automated teller machine, which 
have spread remarkably in recent years, have a large number of functions 
such as automatic transfer of several kinds of public money as well as 
cash deposit and withdrawal. With the spread of these automated 
transaction machines, the transaction frequency of users has increased 
gradually. With these machines, generally, the contents of the transaction 
are printed or typed in the order of transactions on a passbook issued 
from the users' own financial institute. 
FIG. 1 shows an conventional example of a record of the transactions typed 
on a passbook 18. A bar code 27, indicative of the page of intermediate 
papers of the passbook 18, can be generally recognized by a bar code 
reader provided in a pass book processing unit. As seen from FIG. 1, the 
record of the passbook includes several transaction data such as cash 
deposit and withdrawal using an automated teller machine (ATM), automatic 
transfer of a salary, and automatic payment of the gas, power, water or 
similar bills, which are typed in the order of time as are their memo. 
The item of `ATM` in the memo column on the passbook 18 represents a cash 
deposit or a withdrawal using the automated teller machine. For example, 
the item of ATM as an expenditure does not suggest the use for cash 
payment unlike the other terms, e.g. power, gas, etc. So the user may 
forget the use for the payment in question in keeping her household 
account book later. 
This also applies to the term of `transfer`. 
In order to overcome such a defect, JP-A-60-8977 proposes a cash 
transaction recording system which permits a user to type transaction 
processing data of cash deposit or withdrawal together with their memo on 
a passbook, a specification card, or the like in using an ATM. Also, 
JP-A-63-261464 discloses a system which permits the memos to be typed 
according to their item so that the household account book can be easily 
kept later. This system permit accounts such as keeping a household 
account book to be efficiently done in such a manner that the typing 
format of the passbook is regulated in several ways. 
However, the systems mentioned above have the following defects. The system 
disclosed in JP-A-60-8977 permits individual items in the memo to be 
optionally described only when the ATM is used. The use of money will 
often be different from its planned use, the memo item, thus, will be 
required to be rewritten later. Further, it is rare that the amount of 
money as much as 120,000 yen, which is paid as indicated in the third row 
in the passbook as shown in FIG. 1, is used for only one use. This also 
requires the system to be improved. 
SUMMARY OF THE INVENTION 
An object of the present invention is to provide a transaction system which 
can rewrite the memo item indicative of the contents of a transaction at 
any time. 
Another object of the present invention is to provide a transaction system 
which gives a new memo to each of the portions into which a memo item is 
divided so that accounts can be easily made. 
Still another object of the present invention is to provide a transaction 
system which can output memos arranged according to the same or the same 
kind of item so that accounts can be easily made. 
In order to attain the above objects, in accordance with the present 
invention, there is provided a transaction recording system comprising 
means for inputting transaction data, means for storing said transaction 
data, means for writing the transaction data input from inputting means 
into storing means, means for reading out required transaction data from 
storing means and outputting them, and means for changing account 
processing data of a memo item and its related items among the transaction 
data stored in said storing means. 
Further, in order to output the memos arranged according to the same or the 
same kind of item, there is provided means for classifying the read 
transaction data according to the memo items and outputting the memo item 
of the classified data and their related memo item through said output 
means.

DESCRIPTION OF THE PREFERRED EMBODIMENTS 
FIG. 2 shows a transaction recording system according to one embodiment of 
the present invention. The transaction recording system mainly comprises a 
central processing unit (CPU) 1, a transaction data storing device 2, an 
automated teller machine (ATM) 3, a transaction data input device 10 and a 
transaction data output device 11; the devices 3, 10 and 11 are connected 
with the CPU 1 through a communication line 17, respectively, and the 
devices 10 and 11 may be provided integral to or separate from the ATM 3. 
The ATM 3 comprises a guidance panel 4 such as a CRT (cathode ray tube), a 
passbook processing unit 5, a card processing unit 6, an operation button 
7 for a user, a bill processing unit 8 and a coin processing unit 9. The 
transaction data input device 10 comprises the guidance panel 4, the 
passbook processing unit 5 and the card processing unit 6. The transaction 
data output device 11 comprises a printing medium input/output unit 12 in 
addition to the guidance panel 4 and the operation button 7. A transaction 
data input/output data device 13 such as a personal computer of a customer 
using a finance program can be located in a store or a general home and is 
connected with the CPU 1 through the communication line 17; the 
transaction data input/output device 13 comprises a display device 15 such 
as a CRT, the operation button 7, and also connected with a transaction 
data output device 16. A line connection device 14 such as a telephone is 
also connected with the CPU 1. In this system, transactions initially 
recorded so that transaction data may be changed as required such as by 
being random-accessed to past transaction data. 
FIG. 3 shows a passbook 18 including intermediate sheets of paper 20 and a 
magnetic stripe 19 on which the number of a user's account number is 
described. This passbook 18 is dealt with by the passbook processing unit 
5. 
FIG. 4 shows a magnetic card 21 including the magnetic stripe 19. This 
magnetic card 21 is dealt with by the card processing unit 6. 
FIG. 5 shows the detailed arrangement of the ATM 3. In FIG. 2, like 
reference numerals designate like parts in FIG. 5. In addition to the 
components shown in FIG. 2, the ATM 3 comprises a user sensor 50, a voice 
guidance unit 51, a power supply 52, a cut-form printing unit 53, an input 
unit 54 and a control unit 55, which are well known in their mechanism. 
FIG. 6 shows that the ATM 3 also comprises a terminal controller 56 which 
is connected with the CPU 1 through modems 57 and 58. The data 
communicated between the ATM 3 and CPU 1 in a well known way include 
common transaction data (a code number, an account number, a card number, 
etc.) and data peculiar to a transaction in question (a transaction amount 
of money, a balance data, a memo, etc.). 
Now referring to FIGS. 7A to 7D, the operation of the ATM 3 will be 
explained below. 
When the user sensor 50 senses that a user stands in front of the ATM 3, 
the operation of the ATM 3 is initiated. First, choices of transaction 
codes are displayed on the guidance panel 4 (S70). 
If the user selects the choice of withdrawal (S71), the operation proceeds 
to the flow as shown in FIG. 7B. In this flow, a card and/or a passbook 
are accepted (S711 to S713); a transaction processing is executed (S714); 
further if required, a memo related to the transaction is input; and 
finally a post-processing is executed (S76). In the post-processing (S76), 
the data related to the transaction in question are sent from the ATM 3 to 
the CPU 1 and then stored in the memory device 2. 
If the user selects the choice of deposit (S72), the operation proceeds to 
the flow as shown in FIG. 7C. In this flow, the passbook is first accepted 
(S721), and thereafter the same processings as shown in FIG. 7B are 
executed. Likewise, it should be noted that in this specification, like 
reference numerals designate like steps or like components in order to 
obviate repeated explanation. 
If the user selects the choice of keeping a household account book (S73), 
the operation proceeds to the flow as shown in FIG. 7D which will be 
described later. If the user selects the choice of entry in a passbook or 
a balance recognition, known processings (S741, S742 and S76, or S751, 
S752 and S76) will be performed. 
Explanation will be given for the processing of changing the memo 
indicative of a transaction and its related item after the processings as 
shown in FIGS. 7A to 7D have been executed. 
FIG. 8 shows the procedure of changing a memo in the form of a flowchart. 
If the date of a transaction in question (S81) after a passbook or a card 
has been accepted (S80), the transaction contents on that day are 
displayed by means of the memory device 2 (S82). In order to select the 
item of the memo of which is desired to be changed, a cursor is moved to 
that item or the page and/or the line of thereof are designated (S83). A 
new memo is input (S84) and the memo as well as the transaction contents 
are displayed (S85). After this display is confirmed (S86), the 
post-processings such as printing the changed memo and return of the 
passbook (card) are performed (S87). 
Further, the post-processing changes the contents of transaction data areas 
in the memory device 2 as explained below. 
FIG. 9A shows an example of the transaction data areas in the memory device 
2. In FIG. 9A, a common data area 90 stores the data peculiar to a 
specific user. Each of individual transaction data areas 91, which stores 
the data related to an individual transaction, is newly established in the 
order of the transaction. 
The individual transaction data area corresponding to the transaction 
indicated in the third line from top of the passbook as shown in FIG. 1 
stores the sequence No. i added for each transaction, the processing data 
of Apr. 1, 1989, processing contents, of the withdrawal, being output by 
ATM 3, the page and the line of a passbook of the x-th page and the third 
line, the transaction amount of money of 120,000 and the memo of ATM; 
these data are printed or typed as shown in the parenthesis. Incidentally, 
the contents of the memo are classified and symbolized. Amounts of money, 
and memos and balance forming pairs with the amounts of money may be 
described up to their maximum number of e.g. five in one individual 
transaction data area. If the number exceeds five, additional individual 
transaction data areas are also used. 
After the post-processing (S87), the transaction data area 91 of the 
sequence No. i is changed as shown in FIG. 9B. In FIG. 9B, the transaction 
amount of money 1, memo 1 and balance 1 which have been stored are flagged 
so as not to be printed. The remaining data area stores a difference 
between the amount of money 1 and the amounts of money 2 to 4 which is 
calculated automatically by using well-known method. If the transaction 
amount of money 1 is smaller than the amounts of money 2 to 4 newly added, 
the character of the error will be displayed in step 85 in FIG. 8. Then, 
the total transaction of amount of money is not changed to assure the 
user's security. Further, the the page and lines of the individual 
transation data areas following to the data area in question are renewed. 
In order to add new data for change as described above, the transaction 
data input device 10 as shown in FIG. 2 is used. 
FIG. 10 shows an example of display on the guidance panel 4 of the above 
input device 10. The guidance panel 4, which is constructed in a touch 
panel operation system, comprises a series of characters 23, and a series 
of particular characters 24, which can be used as keys as illustrated. The 
guidance panel 4 comprises also a display part 25. 
FIG. 11 shows a modification of FIG. 10. The guidance panel 4 shown in FIG. 
11 comprises keys 26 consisting of ten keys, a yen key and a particular 
item key and general item keys 29. These keys may be pressed by either the 
touch panel system or the system using the operation button 7. 
Incidentally, of course, the transaction data input device 10 can be 
provided integrally to the ATM 3. Further, the data change may be input 
from the transaction data input/output device 13 as shown in FIG. 2. 
FIG. 12 shows a record obtained by printing the transaction data changed as 
described above on another page y of the passbook. As seen from FIG. 12, 
the memo of `from mother` is added in the seventh line. This also can be 
executed by inputting a new memo in an individual transaction data area 91 
of the memory device 2 in the manner as described above. The record as 
shown in FIG. 12 permits the passbook 18 to be additionally used as a 
household account book. 
In order to print the new data on the passbook as shown in FIG. 12, the 
transaction data output device 11, the transaction input/output device 13 
or the ATM 3 is used. Now referring to FIG. 7D, an explanation will be 
given for the operation in the case where the choice of keeping a 
household account book in the ATM 3 is selected by a user (S73 in FIG. 
7A). 
First, the period of keeping a user's household account book is inputted 
(S731). A printing medium is selected (S732). Since the printing medium is 
a passbook in the case of FIG. 12, the operation proceeds to step 733. 
When the ATM 3 accepts the passbook (S733), the data stored in the common 
data area 90 in FIG. 9A are collated with those on the passbook 18 by the 
CPU 1. If they agree, the transaction data are read on the basis of the 
period previously input and printed in order of data (starting from a 
smaller sequence number). 
FIGS. 13 and 14 show the other records printed out on the passbook 18. More 
specifically, FIGS. 13 and 14 show records of transactions during a 
certain period printed out on the passbook 18. Whereas the transactions 
are printed out in time sequence in the case of FIG. 12, in the case of 
FIG. 13, the transactions belonging to income during one year of 1989 are 
classified according to their items and correctively arranged for each of 
the items. In order to clarify that these transactions belong to income, 
by means of a printing mechanism (not shown) an indication of (income) 30 
is additively typed, and also the column of balance is erased by a double 
line to type an indication of total 31. The record of FIG. 13 includes 
lines 1 to 3 indicative of deposit amounts of money and their total amount 
of money the ATM, lines 4 to 8 indicative of automatic transfers of 
salary, lines 9 to 10 indicative of deposits by a transfer, lines 11 to 12 
indicative of settled interests, and line 13 indicative of the total 
income amount of money during this year. 
FIG. 14 shows a record of the transactions belonging to expenditure during 
one year of 1989 classified according to their items and correctively 
arranged for each of the items. In order to clarify that these 
transactions belong to a expenditure, by means of a printing mechanism 
(not shown) an indication of (expenditure) 32 is additively typed, and 
also the column of the balance is erased by a double line to type an 
indication of total 33. The record of FIG. 14 includes lines 1 to 4 
indicative of withdrawal amounts of money and their total amount of money 
by the ATM, lines 5 to 8 indicative of automatic payments of the power, 
lines 9 to 11 indicative of that of the gas, lines 12 to 14 indicative of 
that of the water, and line 16 indicative of the total expenditure of 
money during this year. 
FIG. 15 shows a record printed on cut-forms 34 by the transaction data 
output device 11 when a cut-form is selected in step 732 in FIG. 7D. 
Although in FIG. 15, the record is made on a sheet of paper of the 
cut-forms 34 continued through perforations, it may be made on a 
continuous sheet of paper with no perforation or on each of cut-forms 
separated. 
The record of FIG. 15 is made about the period during one month of April, 
1989, and it includes an income part, an expenditure part and a difference 
therebetween and a balance at the end of April. The items of transactions 
as shown in FIG. 12 during this period are classified into income and 
expenditure and their total amount of money calculated is also recorded. 
FIG. 16 shows the recording format of another cut-form 36. The record is 
made on a sheet of paper in the form of a household account book on which 
characters indicative of required items classified according to income and 
expenditure are previously typed and entry columns are provided for each 
of the months. Such a recording format is particularly efficient for the 
case where a new transaction item is added. 
FIG. 17 shows the recording format of still another cut-form 37 into which 
transactions described on a customer-dedicated passbook for recording 
payments for and transfers from customers as shown in FIG. 18 are to be 
posted. Specifically, the record is made on a sheet of paper on which 
characters of payment/transfer year total table are previously typed, and 
the, calculation results of total income by payments and the total 
expenditure by transfers are to be recorded for each of the customers. 
Such a recording format is efficient for examining the income/expenditure 
for each customer. 
Incidentally, it should be understood from the above description that the 
expression of `cut-form` in FIG. 7D means to include both formats of a 
customer list and a household account book. 
In the system as shown in FIG. 2, the transaction data regarding a certain 
store or home as described above can be input/output through the 
transaction input/output device 13 such as a personal computer. 
Inputting/outputting the data, first, the data input/output device 13 is 
line-connected with the CPU 1 in a finance constitute using telephone 14. 
Thereafter, the operation button 7, the display device 15 and the 
transaction data output device 16 are operated to add memos to the 
transaction data, and extract or output the transaction data in time 
sequence, according to transaction items and/or in the form of a household 
account book. The output transaction data may be stored in a transaction 
data storage device such as a disk (not shown) in the transaction data 
input/output device 13. 
In this way, the embodiments of FIGS. 12 to 17 have described the records 
obtained by the process of automatically recording the transaction data 
during a certain period such as one year or one month in the form of a 
household account book in accordance with the flow of FIG. 7D. Since a 
user can optionally designate the above period in making the record, the 
household account book can also be formed for the period of e.g. half a 
year or three months Further, although the record has been made on the 
printing medium of a passbook (FIGS. 12 to 14) or cut-form(s) on which a 
form corresponding to transaction items are previously typed (FIGS. 15 to 
17), this printing medium may be automatically selected according to the 
recording period, or may be prepared and set by the user. 
Furthermore, the old record on a passbook may be erased to make the record 
as shown in FIGS. 12 to 14 in place of it (see JP-A-62-56167). 
Further, the transaction recording system according to the present 
invention permits a user who does not require the record according the 
transaction item to designate the record in time sequence in a usual 
manner and thus can sufficiently satisfy the user. 
Further, the user can use an IC card or a photo-card which stores 
transaction data instead of the magnetic card 21 shown in FIG. 4. The 
flowchart of depositing by using passbook is shown in FIG. 7C. When a 
transaction is operated by using the magnetic card with no passbook, the 
transaction data e.g., the memos and the transaction amount of money are 
printed on the passbook after the transaction operation. 
Further, this invention can be applied to the payment-only CD machine and 
the transfer-only machine, etc. as it is applied to the ATM.