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    • 1. 发明授权
    • Data transfer system and data transfer terminal device
    • 数据传输系统和数据传输终端设备
    • US5691525A
    • 1997-11-25
    • US767150
    • 1996-12-16
    • Shigeo AokiTakuya OkaYukihiko Kimura
    • Shigeo AokiTakuya OkaYukihiko Kimura
    • G06Q20/04G06Q20/10G06Q20/22G07F7/08G06F17/60
    • G07F19/201G06Q20/04G06Q20/10G06Q20/29
    • In a financial transaction data processing system, plural host computers maintained by banks and containing bank account information are interconnected by a communications network, and plural automated teller machines are connectable to the plural host computers. Portable data carriers are provided each containing a non-volatile memory for storing money balances. Also, at a wholesaler location or the like, a terminal device connectable to at least one of the host computers is provided. The portable data carriers are insertable into the automated teller machines to transfer money from a bank account to the portable data carrier inserted in the automated teller machine. Also, the portable data carriers are insertable into the terminal device to transfer money from the inserted portable data carrier to a memory of the terminal device. Accumulated transactions in the terminal device are stored on another portable data carrier which is then taken to an automated teller machine to transfer the money from the portable data carrier to a bank account of the wholesaler or the like. Also, verification of the transaction is effected by transmitting data from the terminal device to a connected host computer.
    • 在金融交易数据处理系统中,由银行维护并且包含银行帐户信息的多个主计算机通过通信网络互连,并且多个自动柜员机可连接到多个主计算机。 提供便携式数据载体,其中包含用于存储货币余额的非易失性存储器。 此外,在批发商位置等,提供可连接到至少一个主计算机的终端设备。 便携式数据载体可插入到自动柜员机中以将钱从银行账户转移到插入自动取款机中的便携式数据载体。 此外,便携式数据载体可插入到终端设备中,以将钱从插入的便携式数据载体转移到终端设备的存储器。 终端设备中的累计交易被存储在另一个便携式数据载体上,然后将其交给自动柜员机将钱从便携式数据载体转移到批发商等的银行帐户。 此外,通过从终端设备向连接的主计算机发送数据来实现交易的验证。