Source: http://www.google.com/patents/US6338048?dq=KOI-18
Timestamp: 2018-01-20 06:16:00
Document Index: 541620197

Matched Legal Cases: ['art 13', 'art 13', 'art 13', 'art 14', 'art 14', 'art 14']

Patent US6338048 - Electronic transaction system - Google Patents
A plurality of types of settlement conditions exist for transactions with electronic money. An electronic transaction system capable of being applied to a plurality of types of settlement conditions using a single automatic teller machine is provided. In order to achieve this, this system has the following...http://www.google.com/patents/US6338048?utm_source=gb-gplus-sharePatent US6338048 - Electronic transaction system
Publication number US6338048 B1
Application number US 09/254,706
PCT number PCT/JP1997/003234
Also published as CN1132127C, CN1230269A, DE69723994D1, DE69723994T2, EP0933731A1, EP0933731A4, EP0933731B1, WO1998011514A1
Publication number 09254706, 254706, PCT/1997/3234, PCT/JP/1997/003234, PCT/JP/1997/03234, PCT/JP/97/003234, PCT/JP/97/03234, PCT/JP1997/003234, PCT/JP1997/03234, PCT/JP1997003234, PCT/JP199703234, PCT/JP97/003234, PCT/JP97/03234, PCT/JP97003234, PCT/JP9703234, US 6338048 B1, US 6338048B1, US-B1-6338048, US6338048 B1, US6338048B1
Inventors Toru Mori
Patent Citations (12), Non-Patent Citations (1), Referenced by (149), Classifications (21), Legal Events (6)
US 6338048 B1
A plurality of types of settlement conditions exist for transactions with electronic money. An electronic transaction system capable of being applied to a plurality of types of settlement conditions using a single automatic teller machine is provided. In order to achieve this, this system has the following configuration. Namely, in this electronic transaction system for carrying out transaction settlements using electronic money stored on a customer card while using an automatic teller machine, customer identification information and an electronic money amount are stored as balance information for each customer account established at a financial institution, with the customer card being such that stored information can be updated based on pre-decided transaction conditions. The automatic teller machine then houses customer cards corresponding to a plurality of transaction conditions and a plurality of ATM cards, and a plurality of control software is prepared. Control software coinciding with the transaction conditions is then activated, and transactions are carried out with the ATM cards stored in the automatic teller machine.
1. An electronic transaction system comprising:
a first IC card of a customer for storing information specifying a type of electronic money and electronic money issued by a money issuer;
a terminal capable of having the first IC card inserted into it; and
a plurality of second IC cards of the terminal for storing electronic money provided at the terminal, each of the plurality of second IC cards storing a different type of electronic money issued by different money issuers or by the same money issuer,
wherein the terminal reads out information specifying a type of electronic money stored in the first IC card when the first IC card is inserted into the terminal and selects one of the plurality of second IC cards storing the type of electronic money specified by the information read from the first IC card, and the type of electronic money specified by the information is transferred between the first IC card and the one of the plurality of second IC cards selected by the terminal.
2. The electronic transaction system of claim 1, wherein the terminal makes each of the plurality of second IC cards start sending the prescribed signal to the first IC card by a preset order when information specifying the type of the electronic money cannot be read from the first IC card, and makes the one of the plurality of second IC cards carry out at least one transaction with the first IC card when the first IC card returns an appropriate response to the terminal.
memory in which is stored at least two different types of control software corresponding to at least two different types of settlement conditions of electronic money that may be stored on said first IC card, wherein the terminal uses the type of control software corresponding to the type of settlement condition of electronic money shown by the information specifying the type of electronic money.
10. The electronic transaction system according to claim 1, the terminal including:
a controller, said controller selecting one of the second IC cards storing the type of electronic money specified by the information read from the first IC cards.
11. The electronic transaction system according to claim 1, wherein at least one of said plurality of second IC cards stores different types of electronic money.
receiving a user IC card in said terminal;
reading out information from the user IC card, said information specifying a type of electronic money stored in the first IC card;
selecting one of said plurality of system IC cards storing the type of electronic money specified by the information read from the user IC card; and
transferring electronic money between the user IC card and the selected system IC card.
if information specifying a type of electronic money can not be read from the inserted user IC card, sending, in a preset order, prescribed signals from each of the plurality of system IC cards to the user IC card; and
when, in response to the prescribed signals from one of the plurality of system IC cards, the user IC card returns an appropriate response to the terminal, causing at least one transaction to be performed between the user IC card and that one of the plurality of system IC cards.
14. The method according to claim 12, wherein at least one of said system IC cards stores at least two different types of electronic money.
The present invention relates to an electronic transaction system for depositing currency to a financial institution such as a bank, storing a value corresponding to this currency as money information (electronic money) in a card (IC card) mounted with an integrated circuit and settling the cost by withdrawing from electronic money stored on the IC card when paying at the time of a business transaction such as the purchase of goods.
A number of methods of settling costs using electronic money exist, such as prepaid (advance payment), debit (immediate payment) and credit (deferred payment). An example of a method for settling costs by prepayment is disclosed in Japanese Patent Publication No. Hei. 7-104891. In this publication, technology is disclosed where an outstanding amount is deducted from a balance recorded on a customer IC card (hereinafter referred to as “customer card”) and the outstanding amount is directly transferred to a vendor IC card (hereinafter referred to as “vendor card”).
The present invention adopts the following configurations in order to resolve the aforementioned problems.
FIG. 1 is a view illustrating the concept of a transaction of the present invention;
The object of the present invention is to provide an electronic transaction system capable of executing transaction processes of different settlement conditions using a single terminal. In the present invention, a plurality of IC cards for use on the financial institution side corresponding to pre-decided settlement conditions are provided at each terminal.
The following is a description using a specific example of an embodiment of the present invention.
In FIG. 1, numeral 1 represents an automatic teller machine (hereinafter referred to as “ATM”) installed in a branch of a financial institution, a supermarket, convenience store or gasoline stand etc. Numeral 2 represents a communication line. Numeral 3 represents a host computer constituting an upper order device for the ATM 1 connected to the ATM 1 via the communication line 2.
Numeral 9 represents a customer interface. The customer operating unit 9 comprises, for example, a touch panel. The customer operating unit 9 displays screens such as “IC card transaction guidance” or “withdrawals” which constitute one type of withdrawal processing and guides the customer to select the type of processing. If, at this time, the customer lightly touches (presses), for example, the part of the display for “withdrawals”, the ATM 1 executes a transaction to replenish the customer card with electronic money.
Numeral 10 represents an audio guidance unit provided on the front of the ATM 1 for giving operation guidance using speech. The audio guidance unit 10 comprises a speaker 10 a and a microphone 10 b.
Numeral 11 represents a guidance display and numeral 11 a represents a display provided at the front of the ATM 1. The guidance display 11 is for displaying possible transactions and operation guidance or can display information such as information peculiar to the local area when in a wait state at the display 11 a.
Numerals 12 a, 12 b and 12 c represent first, second and third card readers provided within the ATM 1. IC cards for financial institution use (hereinafter referred to as “ATM cards”) 200 a, 200 b and 200 c to be described later are installed at the card reader/writers 12 a, 12 b and 12 c, respectively. One of these card reader/writers is selected and driven for every transaction process in response to the type of customer card inserted via the card insertion/return opening 5 a or the transaction settlement conditions. The driven card reader/writer is itself electrically connected to an ATM card, with information being exchanged based on prescribed control software.
Numeral 13 is an internal operation part. The internal operation part 13 is constructed from, for example, a touch panel. The internal operation part 13 displays screens such as, for example, “procedure for installing ATM card to the card reader/writer”. The clerk then installs ATM cards 200 a, 200 b and 200 c at the card reader/writers 12 a, 12 b and 12 c based on this display. Further, the internal operation part 13 is inputted with a code for releasing a prescribed door for the clerk and information for setting up the ATM cards, etc.
Numeral 15 represents an interface (hereinafter referred to as a“I/F”) for connecting the ATM 1 with the host computer 3.
Numeral 203 represents a display area. The display area 203 is printed with a code of a financial institution, a customer name and account number etc. and is embossed with embossed characters. In FIG. 4 is “A01” taken as an issuing body number, “023” taken as a identifying number, “4567890” taken as an ID number and the customer name is taken as “OO smith”.
Next, a description is given of an example of data stored when the data stored in the IC card 20 is used in electronic transactions. In this embodiment, three types of settlement conditions are taken as type A, B and C with a description being given where the types A, B and C are assumed to be, for example, debit (immediate payment), credit (deferred payment) and prepaid (advance payment). IC cards 20 corresponding to the types A, B and C are then described as 20 a, 20 b and 20 c, respectively are taken as type A, B and C, respectively, and classified for IC card 20 a, 20 b, and 20 b respectively. The IC card 20 is stated as a typical example, when describing matters common to the IC cards 20 a, 20 b and 20 c.
FIG. 5 is a conceptual view of data stored in the IC card 20 a.
In FIG. 5, numeral 21 a is a classification code showing that type A is taken as the settlement condition.
Numeral 21 c represents the electronic money balance held within the card. The balance 21 c is recorded for each currency unit such as “yen” and “dollar” as shown in FIG. 5. This balance 21 c is updated so as to be reduced when payment is carried out in a goods purchase transaction.
FIG. 7 is a conceptual view of the data stored in the IC card 20 c. This IC card 20 c is for executing transaction processing for settlement conditions different from the settlement conditions of the IC cards 20 a and 20 b.
In FIG. 7, numeral 23 a represents an identification code indicating that type C is taken as the settlement condition.
Numeral 30 represents a branch of a financial institution, with an ATM 1 established within a store. Numeral 31 is a branch cash server for controlling other ATMs (not shown) and an ATM 1 a within an unmanned shop 32 and for sending funds from a server card 33 when there are insufficient funds at an ATM card 200 installed in the ATMs 1 and 1 a.
Numeral 34 is a money management center for allotting separate funds to each branch and carrying out detailed audits of funds. The money management center also designates the transfer of funds from a center card 35 to a server card 33 within a branch 30.
FIG. 9, FIG. 10 and FIG. 11 are flowcharts showing the procedure for transferring funds from a customer deposit account to the IC card 20 as an example procedure for an electronic transaction. In these drawings a procedure is shown where a customer uses the magnetic card 19 and the IC card 20 so as to access a customer deposit account stored in the host computer of a financial institution using the magnetic card 19 so as to transfer funds from the customer deposit account to the IC card 20. Here, “S” indicates each operation step. Further, FIG. 12 is a view illustrating an example display of a customer guidance screen of the present invention and FIG. 13 is a further view illustrating an example display of a customer guidance screen of the present invention.
First, when a customer approaches the ATM, the ATM detects this using a proximity detector 16 and a display of a customer operating unit 9 is changed over from a wait screen to a customer guidance screen (S1). When the customer then presses “IC card transaction”, the screen is changed over (S2), “please insert your IC card” is displayed as shown in FIG. 12 and a transaction selection is obtained.
When the customer presses “replenish funds” and inserts the customer card into a card insertion/return opening 5 a, this is detected by the ATM 1 (S3) and this customer card is taken into the card processor 5 and transported as far as a magnetic reader 5 b (S4). Magnetic information stored within the magnetic stripe 201 is then read (S5).
After step S8, the ATM displays “input card of account to be withdrawn from and input code number, or when a card is not used, press the confirm button please” at the customer guidance screen, and the customer is invited to insert the magnetic card 19. When the magnetic card 19 is then inserted via the card insertion/return opening 5 a, it is detected (S10) and carried as far as the card handling unit 5, and the magnetic information stored on the magnetic stripe 191 is read (S11). The case where a magnetic card 19 is not inserted and the confirmation button is pressed is described in the following.
When it is determined from the collation results that the code number is different, the host computer 3 gives notification to the ATM 1 that the code number is different. In this case, the ATM 1 displays “code number is incorrect, please input the code number again” so that the customer is urged to re-input the code number. If the collation is then carried out again so as to coincide, the next step is proceeded to. If it is determined that there is still no coincidence after re-collating, “the current code number is also incorrect, please press the cancel button and confirm the card” or “if incorrect again, transactions will not be possible” etc. are displayed. If a prescribed number of inputs is exceeded (S16), the magnetic card 19 is discharged at the card insertion/return opening 5 a (S17).
In parallel with the operation of step S23, the main controller 17 of the ATM 1 designates issuance of a receipt 8 at the receipt handling unit 7. As a result of this, the receipt handling unit 7 prints the contents of the transaction processing and the read information of the display area stored at the storage part 14 on the receipt 8 and the receipt 8 is conveyed to the vicinity of the card insertion/return opening 5 a.
The ATM 1 then discharges the magnetic card 19 from the card insertion/return opening 5 a(S24). When the ATM detects withdrawal of the magnetic card 19 by the customer using a detection means (not shown), the receipt 8 and the IC card 20 a are simultaneously discharged from the card insertion/return opening 5 a (S25). The ATM 1 then detects withdrawal of the receipt 8 and the IC card 20 by the customer using the detecting means (not shown) (S26). Processing for paying to the customer is then complete.
When the transaction limit is not exceeded, the ATM 1 sends a signal designating the transaction processing to the ATM card 200 b installed at the IC card 20 b and the second card reader 12 b. The IC card 20 b and the ATM card 200 b that receive this signal then make their own determinations as to whether the conditions are fulfilled for carrying out fund transfers. When the IC card 20 b and the ATM card 200 b determine that the conditions are fulfilled, a signal designating fund transferring is sent to the other cards, with fund transfers then being carried out when the signal designating fund transferring is received (S33). At this time, an amount corresponding to the withdrawn amount is subtracted from the balance provided for the IC card 20 b for updating and electronic money corresponding to the withdrawn amount is transferred from the ATM card 200 b to the IC card 20 b and stored in the storage region storing electronic money of the IC card 20 b. Transferring of electronic money between the ATM card 200 b and the IC card 200 b is carried out in the same order as transferring of electronic money between the ATM card 200 a and the IC card 20 a.
In parallel with the operation of step S33, the main controller 17 of the ATM 1 designates issuance of a receipt 8 at the receipt handling unit 7. As a result of this, the receipt handling unit 7 prints the contents of the transaction processing and the read information of the display area stored at the storage part 14 on the receipt 8 and the receipt 8 is conveyed to the vicinity of the card insertion/return opening 5 a.
The ATM 1 then discharges the magnetic card 19 from the card insertion/return opening 5 a (S34). When the ATM 1 detects withdrawal of the magnetic card 19 by the customer using the detecting means (not shown), the receipt 8 and the IC card 20 b are simultaneously discharged from the card insertion/return opening 5 a (S35). The ATM 1 then detects withdrawal of the receipt 8 and the IC card 20 by the customer using the detecting means (not shown) (S36). The process for outputting money to the customer is then complete.
The main controller 17 then selects the control software 14 c for use with the card reader/writer 12 c based on the type information read from the IC card 20 c (S38). At the same time, the main controller 17 confirms whether or not the card is appropriate for the system from the issuing body code and ID number etc. of the IC card 20 c included in the information read from the IC card 20 c. The ATM 1 then displays the message “Please input your code number” and the customer is invited to input his code number (S39).
If it is determined from the collation results of step S41 that the code number is different, the ATM 1 displays the message “code number incorrect, please input again” and the customer is invited to re-input the code number. If collation is then carried out again and the numbers match the next step is proceeded to.
When it is determined that there is still no coincidence after collating again, the ATM 1 displays the messages “the current code number is also incorrect, please press the cancel button and confirm the card” or “if there is a further mistake, a transaction will not be possible”. If a prescribed number of inputs is exceeded (S43), the ATM 1 discharges the IC card 20 c at the card insertion/return opening 5 a (S44).
In parallel with the operation of step S48, the main controller 17 of the ATM 1 designates issuance of a receipt 8 at the receipt handling unit 7. As a result of this, the receipt handling unit 7 prints the contents of the transaction processing and the read information of the display area stored at the storage part 14 on the receipt 8 and the receipt 8 is conveyed to the vicinity of the card insertion/return opening 5 a.
The ATM 1 then discharges the receipt 8 and the IC card 20 c simultaneously from the card insertion/return opening 5 a (S49) and detects withdrawal of the receipt 8 and the IC card 20 c by the customer using the detection means (not shown) (S50). Processing for outputting money to the customer is then complete.
When the IC card 20 is inserted, the ATM 1 reads the magnetic information stored in the magnetic stripe 201. When there is no type code data within the magnetic information read in, the ATM 1 determines that confirmation of the type is not possible and conveys the IC card 20 to the IC card reader/writer 5 d (S61). The ATM 1 then displays the message “please designate the transaction institution for this IC card” and the name of the machine for which permitted transactions are possible is displayed (S62). A timer monitoring the presence of an input in accordance with this display is then made to operate and a customer input is awaited (S63).
The present invention described above has the following effects.
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International Classification G06Q10/00, G06Q40/00, G06Q40/02, G06Q50/00, G06Q20/00, G06Q20/06, G06Q20/30, G06Q20/34, G06Q20/36, G06Q20/18, G07F7/08, G07D9/00
Cooperative Classification G07F7/0866, G06Q20/00, G06Q20/363, G06Q20/105
European Classification G06Q20/363, G06Q20/105, G06Q20/00, G07F7/08C
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:MORI, TORU;REEL/FRAME:010381/0689
Effective date: 19990109