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Description  |
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BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates to a financial transaction processing system
using an integrated circuit (IC) card. More particularly, the present
invention relates to a financial transaction processing system comprising
an integrated circuit having a storage area for storing data specifying a
plurality of transaction accounts corresponding to a plurality of
financial institutions, such as a bank and a credit company, and a
terminal for selecting from such a plurality of transaction accounts a
specific account which a customer wishes to select so that a transaction
can be performed.
2. Description of the Prior Art
Presently, a magnetic card such as a so-called cash card and credit card
has been widely used for payment, deposit, transfer and the like through
an online system in financial institutions such as a bank and a credit
company. Data for identifying a customer, such as a secret number, is
magnetically stored in the magnetic card. When a transaction is performed,
a customer goes to a bank at which he has a bank account, with such
magnetic card, where he inserts his card into a terminal such as an
automatic teller machine (ATM) or a cash dispenser (CD) installed therein
and enters into the terminal the data necessary for transactions, such as
a secret number, and a kind of transaction and a transaction amount by
operating inputting means, such as a keyboard, in accordance with
predetermined procedures. The secret number information read out by the
terminal and the information of each of transactions entered into the
terminal by a customer are transmitted to a center of the bank, and in
response to the transmitted information, a center file is renewed and then
an instruction indicating that the transaction is performed is provided to
the terminal. Thus, any transaction is performed between the customer and
the terminal.
In addition, according to a recent online system, a communication can be
made possible among different banks, in which system it is possible for a
customer to make payment from his bank account by using a terminal of
another bank at which he has no bank account. For example, if and when a
card of "A" bank at which a customer has a bank account is used with
respect to a terminal of "B" bank at which he has no bank account, the
transaction data read out, in the "B" bank, from the card of "A" bank is
transmitted to a center of the "B" bank, from which the data is again
transferred to the center of "A" bank. Then, in the center of the "A"
bank, it is determined whether there is his bank account or not and then,
if there is his bank account at the "A" bank, the corresponding file is
renewed in accordance with transaction information. In addition, an
instruction indicating permission of a transaction is transmitted to the
terminal of the "B" bank wherein a desired transaction can be achieved
between the card owner and the terminal of the "B" bank.
Furthermore, according to the conventional online system, a present balance
in an account, that is, an upper limit of payable amount is recorded in
the card, so that cash can be dispensed within the upper limit of the
payable amount recorded in the card through an offline transaction of a
terminal during a time period other than the online system operating time
period.
Meanwhile, in a recent social circumstances where cards such as a cash card
and a credit card are increasingly used, a person usually must own several
kinds of cards and select from these cards a necessary card for use. It is
expected that such tendency will progressively increase. However, if each
individual comes to own a plurality of cards, that is, a plurality of
financial transaction accounts, a secret number must be set for each card
and hence a card may be erroneously selected and/or a secret number
erroneously entered, which complicates the handling and storage of the
cards complicated.
In order to avoid such situation, it is desirable that data of transaction
accounts corresponding to all of the financial institutions which each
individual has business relations with, and a single secret number common
to all of the financial institutions can be stored in a single card so
that only one account that a customer is going to transact business with
can be selected from these accounts.
In addition, if and when a number designates an erroneous account number
which is not included in the stored account numbers, the customer can not
know why the transaction is not interrupted or inhibited unless the
terminal provides a response and hence the customer will be at a loss.
Therefore, in such a situation, it is desirable that a terminal can show
the customer that the transaction is impossible. Furthermore, if and when
lack of the balance in a selected account occurs, it is desirable to give
a customer a further chance to select another account number, without
immediately interrupting or stopping the transaction.
In addition, in order to eliminate risks that a customer must carry
excessive cash, it is desired that a system can be realized wherein a cash
dispensing is made all the time (including holidays such as Saturday and
Sunday) through an offline transaction in a terminal, when an online
system operating time period has passed. Therefore, it is desirable that a
payable balance in the account can be recorded in the card in which the
data of the above described transaction accounts are stored.
However, a conventional magnetic card has a limitation with respect to
storage capacity, that is, there is a problem that only information
concerning a single financial institution can be stored in a single card.
Furthermore, it is assumed that for payment in an offline manner, a
payable balance was recorded in a card during an operating time period of
an online system, in which case if and when the payment is made in an
offline transaction manner after an online system operating time period
has passed, the processing in the center necessary for such payent will
not be made until the time of the next day at the earliest. Therefore,
there is also a problem that there exists some risks that there is a time
period when a difference between a actual balance and a nominal balance in
the center occurs, which is a cause of unfair use.
SUMMARY OF THE INVENTION
Briefly stated, the present invention is directed to a financial
transaction processing system comprising an integrated circuit card for
use in financial transaction processing and a terminal communicating with
the integrated circuit card, the integrated circuit card including first
data storage means having a storage area for storing data specifying
transaction accounts corresponding to a plurality of financial
institutions, and the terminal including account designating means for
designating a specific account which a customer wishes to use, out of the
plurality of transaction accounts corresponding to the plurality of
financial institutions. The integrated circuit card further includes
transaction data outputting means 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 institutions stored in the
storage area and for transmitting the read data to the terminal.
In accordance with another aspect of the present invention, the financial
transaction processing system further comprises a central apparatus
provided for each of the plurality of financial institutions, wherein said
terminal further includes claimed amount information entering means for
entering information concerning a first claimed amount, transaction data
transmitting means for transmitting the first claimed amount information
and the designated account specifying data to the center apparatus which
the designated account belongs to. The center apparatus includes a center
file for storing information associated with related accounts, including
balance information of the related accounts, and account balance collating
means for determining whether the first claimed amount is less than the
balance of the designated account stored in the center file and for
transmitting a signal indicating lack of balance when the first claimed
amount is more than the balance. The terminal further includes instructing
means responsive to said lack-of-balance-indicating signal for instructing
a customer to designate a new account from said plurality of transaction
accounts expect for the designated account, using the account designating
means.
In accordance with a further aspect of the present invention, the financial
transaction processing system further comprises a center apparatus
provided for each of the plurality of financial institutions, wherein the
integrated circuit card further includes second data storage means having
a writable and readable storage area at least for amount information, and
the terminal further includes claimed amount information entering means
for entering first claimed amount information, transaction data
transmitting means for transmitting the first claimed amount information
and the data specifying the designated account to the center apparatus
which the designated account belongs to, and writing means for writing the
first claimed amount information and the designated account specifying
data into the storage area of the second storage means. The central
apparatus further includes a center file for storing information
associated with the related accounts, including balance information of the
accounts included in the file and payment processing means responsive to
the first claimed amount information received from the transaction data
transmitting means and the desginated account specifying data for making a
payment processing based on the balance of the designated account stored
in the center file.
In accordance with a further aspect of the present invention, a financial
transaction processing system further comprises a cash dispensing terminal
for communicating with the integrated circuit card having the storage area
of the second data storage means in which the first claimed amount
information and the designated account specifying data are stored in the
second data storage means, the cash dispensing terminal including entering
means for entering a second claimed amount. The integrated circuit card
further includes means for comparing the second claimed amount as entered
with the first claimed amount information stored in the storage area of
the second data storage means for providing a payment instruction
instructing the cash dispensing terminal to dispense the cash
corresponding to the second claimed amount when the second claimed amount
is less than the first claimed amount.
In accordance with a still further aspect of the present invention, the
integrated circuit card further includes impossible transaction indication
signal outputting means for generating a signal indicating an impossible
transaction to the terminal when the account designated by the account
designated means is not included in the transaction accounts for the
plurality of financial institutions stored in the storage area. In
accordance with a still further aspect of the present invention, the
account designating means designates, from the plurality of transaction
account corresponding to the plurality of financial institutions, the
specific account of specific financial institution which the terminal
belongs to.
In accordance with a still further aspect of the present invention, the
account designated means further includes means for selecting and
designating a desired account from the plurality of financial
institution's transaction accounts.
In accordance with other aspect of the present invention, the first data
storage means in the integrated circuit card further includes a storage
area for storing a single secret number information common to the
plurality of financial institutions.
Accordingly, a primary object of the present invention is to provide a
financial transaction processing system capable of performing a
transaction with a desired transaction account using only a single
integrated circuit, even if the customer has a plurality of transaction
accounts at a plurality of financial institutions, whereby complexity in
handling and managing a plurality of cards can be eliminated.
Another object of the present invention is to provide financial transaction
processing system in which a cash dispensing from a terminal is made
possible in an offline manner as necessary, even if an operating time
period of an online system has passed.
A primary advantage of the present invention is that a single integrated
circuit can store data concerning a plurality of transaction financial
institutions at which a customer has the transaction accounts and when a
transaction is done, a customer directly goes to a bank at which he has a
bank account, or he selects a specific account which he wishes to use,
from the plurality of transaction accounts data stored in the integrated
circuit card through a terminal, so that a necessary transaction can be
performed.
Another advantage of the present invention is that if and when a lack of
the balance in the selected account occurs, a customer is informed of such
lack of the balance so that the customer can again select another account,
and hence the transaction need not be repeated from the start, thereby to
improve efficiency of operating the terminal.
A further advantage of the present invention is that since cash dispensing
from a terminal in an offline manner is made possible, a risk of a person
having a cash with him is reduced and, in addition, since payment
processing in a center is completed when a claimed amount is entered in an
integrated circuit, unfair use which might be caused due to delay of
payment processing in the center can be prevented.
A further advantage of the present invention is that a customer can retry
to designate a correct account withot any trouble, even if an erroneous
account which is not stored in the integrated circuit card is designated,
since the terminal can indicate an impossible transaction to the customer.
A further advantage of the present invention is that since a secret number
is common with respect to all of the transaction accounts, a customer can
simply learn only one secret number by heart, so that complexity in
handling the card can be eliminated.
These objects and other objects, features, aspects and advantages of the
present invention will become more apparent from the following detailed
description of the present invention when taken in conjunction with the
accompanying drawings.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is a schematic block diagram showing an electric structure of an
integrated circuit of one embodiment of the present invention;
FIG. 2 is a plan view of an integrated circuit card of one embodiment of
the present invention;
FIG. 3 is a memory map of a read only memory contained in an integrated
circuit of one embodiment of the present invention;
FIG. 4 is a memory map of a random access memory contained in an integrated
circuit card of one embodiment of the present invention;
FIG. 5 is a schematic block diagram showing an electric structure of a
terminal for use in an integrated circuit of one embodiment of the present
invention;
FIG. 6 is a perspective view of a terminal for use in an integrated circuit
of one embodiment of the present invention;
FIG. 7 is a diagram showing a connection between centers in an integrated
circuit card system of one embodiment of the present invention;
FIG. 8A and 8B are flow diagrams for explaining an operation of a financial
transaction processing system of one embodiment of the present invention;
FIGS. 9A and 9B are flow diagrams explaining an operation of a financial
transaction processing system of another embodiment of the present
invention;
FIGS. 10A and 10B are flow diagrams explaining an operation of a financial
transaction processing system of another embodiment of the present
invention;
FIG. 11 is a flow diagram explaining an operation of a financial
transaction processing system of another embodiment of the present
invention; and
FIG. 12 is a flow diagram explaining an operation of a financial
transaction processing system of another embodiment of the present
invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
FIG. 1 is a schematic block diagram showing an electric structure of an
integrated circuit card constituting a financial transaction processing
system of one embodiment of the present invention.
An integrated circuit card is of the same size and configuration as a
conventional magnetic card such as a cash card and a credit card and
contains therein at least a memory, such as a read only memory and a
random access memory, a central processing unit (CPU) and a plurality of
contacts (usually eight contacts) connecting to a terminal. A conventional
magnetic card has a small storage capacity and the information stored in
the magnetic card can be easily decoded. As compared with such
conventional magnetic card, the feature of the IC card resides in the
point that the IC card has a large amount of storage capacity and the
programming is made in such a manner that it can not be easily readout so
that the information stored therein can be prevented from being decoded by
others, whereby a security is enhanced. In addition, the IC card itelf can
provide a request to a terminal.
Referring to FIG. 1, the IC card is provided with contacts 5a to 5h for
connecting to a terminal. Of these contacts, the contact 5b is used for
communicating between the IC card and the terminal. The contacts 5d and 5h
are used for supplying a power supply (0V, +5V) from the terminal to the
central processing unit 1 of the IC card. The contact 5f is used for
supplying clock signals to the central processing unit 1 and the contact
5g is used for supplying a reset signal to the CPU1. The contact 5c is
used for supplying a power for altering the storage contents in the RORM
only when the storage contents in the ROM is altered. The remaining
contacts 5a and 5e are extra contacts. In addition, the CPU1, ROM2 and
RAM3 are interconnected through a data bus 4. The CPU controls operation
of each constituent elements.
FIG. 2 is a plan view of an integrated circuit card constituting one
embodiment of the present invention. Referring to FIG. 2, a front panel of
an integrated circuit card body 6 has a group of contacts 5 (which is
comprised of contacts 5a through 5h shownin FIG. 1), which are connected
to an integrated circuit card reader provided in a terminal, when the IC
card 6 is inserted to the terminal. In addition, the IC card 6 has also an
embossed display 7 displaying a name of card owner, etc.
FIG. 3 is a drawing showing a memory map of an integrated circuit card
constituting an embodiment of the present invention, which includes data
specifying transaction accounts corresponding to a plurality of banks at
which the card owner has bank accounts, stored in a storage area of the
ROM 2 of the IC card. Referring to FIG. 3, there exist the first, the
second, . . . the n-th account flats and head addresses of transaction
account data corresponding to these account flags, respectively, and the
like are stored for each account flag. There is a single secret number
common to all of the accounts, followed by detailed transaction data for
the first to the n-th accounts.
FIG. 4 is a diagram showing a memory map of a random access memory of an
integrated circuit card constituting one embodiment of the present
invention, which includes areas for deposit in which a limited payable
amount for each account is stored for the purpose of payment in an offline
manner. Referring to FIG. 4, amount of payment can be stored in each area
for deposit, such as first area, second area, . . . n-th area.
FIG. 5 is a schematic block diagram showing an electric structure of a
terminal communicating with an integrated circuit card constituting an
embodiment of the present invention shown in FIGS. 1 to 4. Referring to
FIG. 5, an integrated circuit card reader 9 is a unit for communicating
with the CPU 1 of the inserted IC card through the contact 5. A CRT 10 is
a unit for indicating procedures for transaction to a customer and for
making a customer select a desired transaction account. A keyboard 11 is a
unit used for entering a desired account and a secret number so that a
customer can communicate with the terminal. A slip issuing machine 12 is a
unit for issuing a slip in response to permission of payment from a
center. A paper discharging machine 13 is a unit for discharging a paper
to a customer. Each of these units is connected to a main control 8
through internal data bases and the main control 8 controls operation of
these units. The main control 8 is connected to a central processing unit
(not shown) of a center of each bank through a line control 14 and an
input/output terminal 15.
FIG. 6 is a perspective view of a terminal for an integrated circuit card
constituting one embodiment of the present invention. Referring to FIG. 6,
a main body 16 of a terminal for use with an integrated circuit card is
provided with an IC card inserting opening 17 and a slip/paper discharging
opening 18 in a vertical surface thereof and a CRT 19 and a keyboard 20 in
a horizontal surface, that is, an operating panel. The IC card inserting
opening 17 is for insertion of the IC card when a customer is to perform a
transaction, the slip/paper discharging opening 18 is used for presenting
to a customer papers and slip upon payment, which is opened only when
payment is made. The CRT 19 is used for providing a customer with
information and instructions regarding operational procedure and the
keyboard 20 is used for entering a number of corresponding to a desired
transaction account, a secret number and a claimed amount.
FIG. 7 is a schematic block diagram explaining the connection between
centers in a financial transaction processing system of one embodiment of
the present invention. Referring to FIG. 7, the reference numerals 21, 22,
23 and 24 denote centers of banks, respectively, comprising line controls
for terminal 21a, 22a, 23a and 24a, line controls among the centers 21b,
22b, 23b and 24b, central processing units 21c, 22c, 23c and 24c, and
individual information files 21d, 22d, 23d and 24d, respectively. Each of
the centers is connected to a plurality of terminals. For example, the
center 21 is connected to a plurality of terminals including a terminal
21e, line connection between each of the terminals and the center 21 is
controlled by the line control 21a for a plurality of terminals. The
transaction data received from the terminal 21e and the like is provided
to the center CPU 21c, which in turn retrieves and renews the individual
information file 21 d and makes a transaction processing if and when the
received transaction data is related to the data concerning transaction
with the corresponding bank. If and when the received transaction data is
related to the data concerning transaction with another bank, the
transaction data is transferred to the other bank by using the line
control 21b and communication lines 25, 26 or 28. The center CPU of other
bank receiving such transferred transaction data retrieves individual file
based on the received data and renews the same and then performs a
transaction processing.
FIGS. 8A and 8B are flow diagrams explaining an example of a specific
transaction processing of the financial transaction processing system of
one embodiment of the present invention.
Referring to FIGS. 1 to 8B, a specific operation of one embodiment of the
present invention will be described.
First, a customer directly goes to a bank where he wishes to make a
transaction processing with an IC card as shown in FIGS. 1 to 3. Then, the
customer inserts his IC card into a terminal installed in the bank (Step
S1). Then, an electric power is supplied to the CPU 1, ROM 2 and RAM 3 of
the IC card, through the contacts 5d and 5h, from the terminal (Step S2).
Then, the terminal generates a start-of-message (SOM) and sends it to the
CPU 1 of the IC card through the contact 5b (Step S3). The
start-of-message comprises an inherent identification (ID) mark
representative of a bank which the terminal belongs to and a bank number.
The IC card, which received such start-of-message (Step S18), sequentially
collates the ID mark and the bank number included in the received
start-of-message with ID marks and bank numbers of the first to the n-th
transaction accounts which are stored in the storage areas of the ROM 2
shown in FIG. 3 (Steps S19, S20 and S21). As a result, if and when it is
determined that the account specified by the ID mark and the bank number
corresponding to the ID mark and the bank number included in the received
start-of-message does not exist in the detailed data specifying a
plurality of financial body's accounts stored in the ROM 2 of the IC card
(Step S21), the CPU 1 generates a signal indicative of an impossible
transaction in accordance with the program stored in the ROM 2 and
transmits the signal to the IC card reader 9 of the terminal (Step S22).
If and when it is determined that the corresponding account specified by
the ID mark and the bank number included in the received start-of-message
exists in a plurality of accounts stored in the ROM 2 (Step S21), the CPU
1 reads out all of the data of this account, such as account number,
effective time period and the like and transmits the data to the terminal
(Step S23).
In such a way, the terminal receiving a message indicating an impossible
transaction or a message including a corresponding account data
transmitted from the IC card (Step S4) indicates to a customer that the
transaction required by him, is impossible by returning his IC card to him
if and when the received message indicates an impossible transaction (Step
S5), and stores the received account data (Step S6) if and when the
received message includes the detailed data of a corresponding account.
In the terminal, the main control 8 generates a message requesting a secret
number and transmits the message to the CPU 1 of the IC card (Step S7).
The IC card receiving such transmitted message determines whether the
received message requests a secret number (Step S24) and if so, the IC
card reads out a secret number common to all of the accounts shown in the
memory map in FIG. 3 and transmits the secret number to the IC card reader
of the terminal (Step S25). When the terminal receives such secret number,
the main control 8 determines whether the received message is a secret
number or not (Step S8) and if the received message is a secret number,
the main control 8 generates an end mark indicating that all of
communication is terminated and transmits the end mark to the CPU 1 of the
IC card (Step S9). In the IC card receiving such end mark, it is
determined whether the received message is an end mark or not (Step S26)
and if so, all of communication is terminated.
The subsequent operation on the terminal side is the same as in a usual
cash card. First, a secret number is entered to a terminal by a customer
using a keyboard 20 (Step S10) and the main control 8 determines whether
the entered secret number coincides with the received secret number from
the above described IC card (Step S11). If and when the entered secret
number does not coincide with the received secret number from the IC card,
the IC card is returned to a customer and the transaction is made
impossible. If and when both secret numbers coincide with each other, an
amount as claimed for payment is entered into the terminal by a customer
using the keyboard 20 (Step S12). The detailed data of the corresponding
account read out from the IC card, which is now stored in the terminal,
and the claimed amount as entered are transmitted to a center of a bank
which the terminal belongs to (Step S13), in which a center file is
retrieved and renewed in accordance with the transmitted data and an
instruction indicating permission of payment is provided to the terminal
(Step S14). The terminal receiving such instruction directs the slip
issuing machine 12 to issue a payment slip (Step S15) and directs the
paper discharging machine 13 to dispense the cash to a customer (Step
S16). After completion of payment to a customer, the IC card is returned
to a customer and the transaction is terminated.
FIGS. 9A and 9B are flow diagrams explaining a specific operation of a
financial transaction processing system in which a desired account is
selected from a plurality of accounts stored in an integrated circuit
card, by using a terminal so that a transaction is made.
Now, referring to FIGS. 1 to FIG. 9B, an operation of a financial
transaction processing system of one embodiment of the present invention
will be described.
First, a customer goes to a bank with an integrated circuit card shown in
FIGS. 1 to 3. Since selection of an account can be made by operation of a
terminal, the bank is not necessarily a bank that he directly makes a
transaction with. The customer inserts his IC card into a terminal
installed in the bank (Step S27). Then, an electric power is supplied to
the CPU 1, ROM 2 and RAM 3 included in the IC card shown in FIG. 1 (Step
S28). In the terminal, the main control 8 makes the CRT 19 display that
number of account is to be selected and entered so that a customer is
informed to the effect (Step S29). Meanwhile, the "number of account"
refers to the number of 1 to n labeled for each of a plurality of accounts
stored in the storage areas of the ROM 2 of the IC card, as shown in a
memory map of FIG. 3 and it is assumed that the customer knows the name of
bank of the account corresponding to the number.
Then, the customer enters into the terminal the number corresponding to the
bank account which he wishes, in accordance with the indication by the CRT
19, using the keyboard 20 (Step S30). The number of the account as
entered, which is any of the numbers of 1 to n, is stored in the terminal
(Step S31) and then is transferred to the CPU 1 of the IC card through the
contact 5b, together with a start mark as a start-of-message (Step S32).
In the IC card receiving such message, it is determined whether the
received message is a start-of-message or not (Step S46) and if it is a
start-of-message, the number of the designated bank account is stored in
the RAM 3 (Step S47). Then, the CPU 1 determines whether an account flag
in the ROM 2, corresponding to the number of the account is set or not
(Step S48) and if it is not set, the CPU 1 generates a signal indicating
an impossible transaction in accordance with the program stored in the ROM
2 and transmits the signal to the IC card reader 9 of the terminal (Step
S49). If and when it is determined that the corresponding account flag is
set, the CPU 1 reads out all of the detailed account content data, such as
account number and effective time period and transmits the data to the IC
card reader 9 of the terminal (Step S50). The terminal receiving an
impossible transaction indicating message or an account content message
(Step S33), shows a customer that the transaction required by him is
impossible by returning the IC card to him if the message transmitted from
the IC card indicates an impossible transaction (Step S34), and the
terminal stores the data of account contents if and when the message
transmitted from the IC card is the detailed data of the account content
(Step S35).
In the terminal, the main control 8 generates a message requesting a secret
number and transmits the message to the CPU 1 of the IC card (Step S36).
In the IC card receiving such message, it is determined whether the
received message requests a secret number or not (Step S51) and if it
requests a secret number, a secret number common to all of the accounts
shown in the memory map of FIG. 3 is read out and transmitted to the IC
card reader 9 of the terminal (Step S52). In the terminal, it is
determined whether the received message is a secret number or not (Step
S37), and if it is a secret number, an end mark indicating that all of
communication is to be terminated is transmitted to the CPU 1 of the IC
card (Step S38). In the IC card receiving the end mark, it is determined
whether the received message is an end mark or not (Step S53) and if it is
an end mark, all communication is terminated.
All of the subsequent operation on the terminal side is substantially the
same as the operation in the terminal in the embodiment shown in FIG. 8.
However, determination of coincidence between the key-inputted (Step S39)
secret number and the secret number received from the IC card is not made
in the terminal and the secret number is transmitted to the center
together with a payment-claimed amount and the like (Step S41) and then in
the center, coincidence of the secret number is made.
As described in the foregoing, according to this embodiment, an integrated
circuit card in which the data specifying a plurality of transaction
accounts corresponding to a plurality of financial bodies can be used and
in making a transaction, a customer directly goes to a bank or operates a
terminal to select a desired financial body so that a desired transaction
can be made. Accordingly, a customer simply own a single integrated
circuit card so that complexity of handling and storing a card can be
reduced.
FIGS. 10A and 10B are flow diagrams explaining an operation of a financial
transaction processing system of other embodiment of the present
invention. The former operation of this embodiment is exactly the same as
the operation shown in FIG. 9A and hence description thereof is omitted.
Accordingly, FIGS. 10A follows FIG. 9A and hence the additional operation
beginning from the step S54 in FIG. 10A will be described. In the
terminal, it is determined whether the received message is a secret number
or not and if it is a secret number, a secret number is entered into the
terminal by a customer using a keyboard 20 (Step S54). Thereafter, the
customer also enters a claimed amount into the terminal using the keyboard
20 (Step S55). Then, the detailed data of the corresponding account read
out from the IC card, which is now stored in the terminal, the claimed
amount, and the secret number entered through key-input are transmitted to
a center of a bank, for example, the first center, which the corresponding
account belongs to (Step S56) and, in the first center an, individual file
is retrieved in accordance with these data and it is determined whether
the claimed amount is less than the account balance or not (Step S57). As
a result, if and when the claimed amount is not over the account balance,
the claimed amount is paid (Step S58) and then the transaction is
completed. If and when the claimed amount is over the balance, the
terminal indicates lack of account balance to a customer by means of CRT
19 (step S59). Furthermore, the terminal instructs a customer to select
the number of account other than the number of the first account and to
key-input the selected number (Step S60) and the number of the account
key-inputted by a customer (Step S61) is once stored in the terminal (Step
S62) and transmitted to the CPU 1 of the IC card through the contact 5B,
together with a start mark as a start-of-message (Step S63). The IC card
receiving such message determines whether the received message is a
start-of-message or not (Step S73) and if it is a start-of-message, the
number of the bank account as designated is stored in the RAM 3 (Step
S74). Then, the CPU 1 determines whether the account flag in the ROM 2,
corresponding to the number of the account, is set or not (Step S75) and
it is not set, the CPU 1 generates a singal indicating an impossible
transaction in accordance with the programs stored in the ROM 2 and
transmits the signal to the IC card reader 9 of the terminal (Step S76).
If and when the corresponding account flag is determined to be set, the
CPU 1 reads out the detailed data of the account content such as the
account number and effective time period of this account and transmits the
same to the IC card reader 9 of the terminal (Step S77). The terminal
receiving such an impossible transaction indicating message or an account
content message indicates an impossible transaction to a customer by
returning the IC card to him if and when the message transmitted from the
IC card indicates an impossible transaction (Step S65), and the terminal
stores all of the account contents if and when the message transmitted
from the IC card includes detailed data of account contents (Step S66).
The detailed data of the corresponding account read out from the IC card,
which is n | | |
