Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
1999-08-02
2001-07-10
Pitts, Harold I. (Department: 2876)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S379000
Reexamination Certificate
active
06257487
DESCRIPTION:
Following is a detailed explanation of this invention.
FIG. 1 shows the configuration of the underlying principle. This configuration comprises a cashless medium 1 having memory means 11 for memorizing amount information, and an operation means 12 ; an ATM terminal unit 2 having a read/write means 2 - 1 for writing amount information into the cashless medium 1 ; a deposit ledger file 321 for storing amount information that identifies the deposit balance corresponding to one of many accounts; a non-settled fund file 322 for storing amount information written at least in the cashless medium 1 ; a bank center device 3 comprising a seller ledger file 323 for storing amount information that identifies the deposit balance corresponding to the account of the seller and a medium balance log file 324 for memorizing balance of the cashless medium 1 when the ATM terminal unit 2 writes the most recent amount information to the cashless medium 1 ; and a commercial transaction or POS terminal device 4 having a register unit 51 to which amount information is input, a sending/receiving part 41 for at least sending and receiving amount information to and from said cashless medium 1 , and a sales tallying file 53 for tallying and storing amount information gained from said cashless medium 1 , and that is at least connected with the bank center device 3 .
Below is an explanation of an operative input and an action in the configuration of FIG. 1 .
The ATM terminal unit 2 , at an issuing time of the cashless medium 1 , writes into the memory part 11 any designated amount information not exceeding the upper limit of the amount information stored in the deposit ledger file 321 of the bank center device 3 . The owner of the cashless medium 1 carries it with him to a seller. The owner presents this cashless medium. 1 at a clearing time. An operator at a retail outlet operates the register unit 51 of the commercial transaction or POS terminal device 4 and inputs amount information necessary to clear the commercial transaction. The sending/receiving part 41 of the commercial transaction or POS terminal device 4 sends inputted amount information necessary to clear the commercial i.e. the amount of goods and services changing hands. The operation means 12 of the cashless medium 1 makes an operation processing based on the amount information received from the commercial transaction or POS terminal device 4 and the amount information memorized in the memory means 11 . In short, the operation means 12 performs the an operation of subtracting the amount indicated by the amount information received from the commercial transaction or POS terminal device 4 from the amount indicated by the amount information stored in the memory means 11 . After this operation, if amount information in excess of the amount necessary for clearing the commercial transaction is stored in the memory means 11 of the cashless medium 1 , the cashless medium 1 notifies such an occurrence to the commercial transaction or POS terminal device 4 . After this notification, the commercial transaction or POS terminal device 4 sends the information that the commercial transaction has taken place to the cashless medium 1 and stores the same amount information in the sales tallying file 53 classified by the clearing bank. These actions conclude a direct clearing of the commercial transaction with the owner of the cashless medium 1 .
Next, an indirect clearing of the commercial transaction is made, i.e. a clearing with the bank center device 3 . First, amount information stored in the sales tallying file 53 is sent to the bank center device 3 of the proper clearing bank. Based on the amount information sent, the bank center device 3 prepaids the necessary amount to the non-settled fund file 322 and credits the same to the appropriate account of the seller in the seller ledger file 323 .
Since a transaction is thus consummated in the above manner. This invention thus enables a complete cashless commercial transaction.
Meanwhile, when amount information memorized in the memory means 11 of
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Fujitsu Limited
Pitts Harold I.
Staas & Halsey , LLP
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