| 摘要 |
A circulation system with which consumers can purchase commodities or receive services at stores and shops which are tied up with a bank by using circulation media which are issued by the bank and have the function equivalent to a certain amount of money is mainly composed of a host computer of the bank, circulation medium issuing means incorporated in automatic teller machines of the bank and terminals installed in the stores and shops. The circulation medium issuing means and the terminals are connected to the host computer through lines, and when a circulation medium is issued, the circulation medium issuing means adds identification codes representing the amount of money which is requested by the consumer to the circulation medium. The limit of the amount of money is the balance of the deposit of the consumer. The host computer charges the amount of money allocated to the issued circulation medium to the account of the consumer and stores the identification code added to the issued circulation medium. On the shop side, the circulation medium which is handed by the consumer for the commodity or the service are inserted into the terminal to transmit the identification code to the host computer which confirms that the circulation medium is genuine. At that time, the host computer compares the transmitted identification code with the code which is stored when the circulation medium is issued and judges whether the circulation medium are genuine or not. When the circulation medium is genuine, the amount of money of the circulation medium is added to the account of the shop. <IMAGE>
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