Financial transaction processing system using an integrated circuit card device

US4736094A · kind A · utility

Assignee

• Omron Tateisi Electronics · JP

Inventor

• Shinya Yoshida · Tokyo, JP

Key dates

• Filing date: Mar 29, 1985
• Grant date: Apr 5, 1988
• Expiry date: Mar 29, 2005

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3576
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A financial transaction processing system comprising an IC card (6) for use in transaction with a financial body, terminals (21e-24e) communicating with the IC card (6) and centers (21-24) provided for each financial body. The IC card (6) comprises a read only memory (2) for storing data for specifying transaction accounts corresponding to a plurality of financial bodies and data of a single secret number common to the financial bodies. When the IC card (6) is inserted into the terminal, a customer can designate a specific account which he wishes to use, by operating a keyboard (20) provided in each of the terminals. In response to such designation, the corresponding account specifying data is read out from the ROM, but if the corresponding account is not stored in the ROM 2, a transaction can not be made. In addition, the account specifying data as read out and a claimed amount entered by a customer are sent to a center for the financial institutions carrying account where processing for payment is performed. However, if and when the balance is not sufficient, the center instructs the customer to select another account. A random access memory (3) included in the IC card (6) is mad…