Registers – Systems controlled by data bearing records – Banking systems
Patent
1996-03-18
2000-02-29
Hajec, Donald
Registers
Systems controlled by data bearing records
Banking systems
235380, 902 40, G06F 1530
Patent
active
060298871
DESCRIPTION:
BRIEF SUMMARY
FIELD OF THE INVENTION
The present invention relates to an electronic bankbook which combines on the same resin base board an IC card, an optical storage medium, and a magnetic stripe and embossing, and which has the functions of a money transfer card, a cash card, and a deposit account bankbook; and which further provides added value by combining these functions. And, in addition, the present invention also relates to a system which processes financial transaction information using an electronic bankbook.
BACKGROUND OF THE INVENTION
The computerization of financial work has progressed in recent years, and the demand is increasing for conversion from the paper bankbooks which are used in banks to electronic cards. IC cards and optical cards are proposed as cards which can correspond to these sorts of demands. IC cards, as is known, are ones in which IC chips including semiconductor memory are arranged in predetermined regions upon a card base board made of resin, and they combine both high security characteristics and also potential capacity several times or more that of magnetic stripes; and, on the other hand, optical cards are ones in which an optical storage medium is disposed in stripe form or rectangular form upon a card base board made of resin, and, while they have low security characteristics, the feature is outstanding that they can ensure storage capacities in units of megabytes. Furthermore, recently, various proposals have been made for hybrid type cards in which IC chips and an optical storage medium are disposed in combination on the same card base board, in order to make the most of the beneficial features of them both more efficiently.
In the conversion from paper bankbooks to electronic cards, not only high security characteristics, but also the absolute accuracy of the recorded detailed bankbook information which includes a history of transactions must be ensured. That is to say, because the customer cannot in any way tamper with the detailed bankbook information once it has been recorded, a paper bankbook functions as a certificate which is objective evidence of the transaction history of cash depositing and payment and the like; and, furthermore, as an original, it also functions as a security for evidence ability. Accordingly, it is necessary for these functions also to be supported by a electronic card, and there should be no possibility of rewriting the detailed bankbook information which has been stored on the various storage mediums. Accordingly, it is necessary for the recording medium upon the card base plate which is to be used as an electronic bankbook to be of a non rewritable category, such as an optical storage medium of the write-once type.
From a different angle, it often happens recently that the same person carries a plurality of cash cards and/or money transfer cards. Further, the number of paper bankbooks and the number of transaction slips on which detailed bankbook information is printed increase along with the increase of card transactions. However, since a considerable cost is entailed when producing these cards, paper bankbooks, and transaction slips, the burden of expense to the banks is immense. On the other hand, for the customers as well, carrying a plurality of cards, paper bankbooks, and the like becomes inconvenient from the management point of view. Accordingly, it would be convenient from the point of view of the bank and also from the point of view of the customer if it were possible to combine into one card the functions of this plurality of cards and paper bankbooks, but in the prior art nothing has existed which has combined the functions of such a plurality of cards, due to the above described restrictions related to the storage medium and also due to the diversity of detailed bankbook information and the increasing amount thereof and the like. As described above, in the conversion from paper bankbooks to electronic cards, the implementation of the combination together of the functions of several cards has been extremely difficult, even independ
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Furuhashi Nobuo
Inoue Kenichiro
Iwase Noriyuki
Kobayashi Takafumi
Takahashi Sigefumi
Frech Karl D.
Hajec Donald
NTT Data Communications Systems Corporation
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