JPH027105B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a card in which a card-like body has the function of a savings account passbook.

The recent miniaturization of electronic desktop calculators (hereinafter referred to as "calculators") has been remarkable, and some
An ultra-thin card-type calculator with a thickness of 1.6 mm has appeared. On the other hand, in the financial field, cash cards have become widespread and are now quite commonly used.
A cash card is characterized by having a built-in magnetic recording medium and the ability to semi-permanently store information.

However, while cash cards have become widespread, the need for passbooks has not diminished. This is because it gives customers peace of mind that they can visually check the details of their transactions at any time, and it is a custom that exists due to national character, and it is not expected that it will disappear easily in the future with the current magnetic card system. be done.

On the other hand, the handling of passbooks at banks, etc. requires complex mechanisms such as printers.
In reality, this is a factor that increases the cost of processing equipment. Eliminating the need for passbooks simplifies a considerable amount of work, reduces the printing function of the processing equipment itself, reduces costs, and reduces equipment costs. However, simply abolishing passbooks will not meet customer needs, and it is expected that there will be many obstacles and difficulties in unifying credit cards. However, among the contents printed on current passbooks, the minimum amount of information such as ``previous balance'', ``new transaction details and amount'', and ``new balance'' can be easily seen, and it is also large enough to be printed on a cash card. If this could be used as an alternative, resistance to traditional cash cards would be considerably eased, and we would be able to move one step closer to abolishing passbooks.

The present invention has focused on this point, and aims to realize a new information medium, that is, a card-type passbook, which has the functions of a passbook in a single card-like body and can also be used as a calculator. To achieve this objective, the present invention provides a numerical key provided on the surface, a key for specifying a calculation method, a display for displaying at least a plurality of digits, a key for reading stored data,
and a key for inputting a transaction type, a memory provided inside, and a microcomputer electrically connected directly or indirectly to the memory and each of the keys, provided at a position other than the surface, A transaction card connectable to an external device and comprising an external interface section for transferring information between the memory and the external device, the transaction type being input via the external interface section. The input transaction type is performed using the key, and monetary amount information related to the monetary transaction and transaction date information corresponding to the monetary amount information are received from an external device, and the information is stored in the memory. , the microcomputer reads monetary amount information and transaction date information stored in the memory in response to an operation of the key to read stored data, and displays them on the display, and displays the monetary information and transaction date information stored in the memory. In response to the combination operation of the numerical key and the key specifying the calculation method, the computer executes the corresponding calculation process using the numerical value of the operated numerical key, and displays the calculation result on the display. The configuration is such that it is displayed.

This kind of multi-functional card (hereinafter referred to as "card-type passbook")
If this technology is realized, the printing of bankbooks as mentioned above will become unnecessary, and a considerable effect can be expected in terms of equipment savings, as well as the potential for multiple methods of utilization to be included as the information society develops in the future. become. Considering the current system, it eliminates the need for complex and expensive processing equipment, significantly improving processing operations and reducing costs, and reduces the need for bankbooks and seals, creating cashless generation. It can also be a strong springboard to move forward. Of course, the cost of the card becomes an issue here, but as mentioned earlier, it is not just a comparison of the cost of a conventional card and passbook combined, but also a comparison of cost reduction of processing equipment, enhancement of services through business improvements, For customers, consider the benefits comprehensively, such as freedom from bankbooks and seals, the ability to use this card-type bankbook as a calculator, or the ability to have a built-in timer and function as a clock. This allows for significant cost reductions. Furthermore, as the amount of card-type passbooks issued will ultimately be enormous, even due to the mass production effect,
The unit price will be considerably reduced. In terms of ease of handling for customers, it is not as bulky as a passbook, is convenient to store, is free from the need for a seal, and can be used as a calculator-style button to visually check the necessary records, and can also be used as a calculator or watch. It is available and highly effective.

Next, an embodiment of the card-type passbook according to the present invention will be described in detail. FIG. 1 is a perspective view of the front surface of a card-type passbook embodying the present invention, and FIG. 2 is a perspective view of the back surface. Reference numeral 1 denotes a display unit, which can display up to 19 digits using, for example, a liquid crystal display. Reference numeral 2 denotes an operation keyboard section, which has no irregularities on its surface and is suitably a piezoelectric rubber switch type. The key arrangement is just one example, but in the case of the figure, the top three keys (21
-26) are keys specific to the passbook function, and all others are normal calculator functions. In addition, in the keys in the rightmost column, 21 is the key for the previous balance, 22 is the transaction amount, and 23 is the key for the new balance, and in the second column from the right, 24 is the PIN, 25 is the key for depositing, and 26 is the key for withdrawing money. It is. On the back of the card in Figure 2, 3 is a magnetic stripe, which is exactly the same as magnetic cards currently used, and is designed to record semi-permanent information, but as will be explained later, it is not necessarily essential. It's not a thing. Reference numeral 4 denotes a hook for battery replacement, and depending on the case, a contact point for electrically connecting to an external device may be built in inside this hook. The external dimensions should preferably be the same as current magnetic cards, and the thickness should be as thin as possible from both strength and functionality standpoints, so that it can be used without major changes to the structure of current cash cards. is ideal. FIG. 3 is a block diagram showing the circuit configuration of this card-type passbook, in which a card C is shown set in a processing device P. First, I will explain how to use card C. Card C is owned by the customer, and to explain the case of deposit processing as an example, before handing it to the operator at the bank counter, the customer uses the operation keys 25 of the keyboard 2 and the numeric keypad to enter "deposit" and "deposit amount" and Operate the "PIN" in order, check the contents on the display section 1, and hand it to the operator at the counter along with cash. Therefore, the troublesome task of filling out each deposit slip in the past, as well as the need to bring a personal seal, are eliminated, and the deposit operation for the operator is simplified. The operator confirms the displayed amount and cash, and inserts the card C into the opening 6 of the processing device P.
The plug 7 provided at a predetermined position, that is, the card reader section, is inserted and set. Since it is in the form of a card, it is easier to set up than a passbook. By setting the card, the external interface section of the card is
Interface control unit between INT and processing unit
The MWRCs are coupled at the interface section 5, indicated by terminal 71. Next, the processing device P reads out the card's external input/output memory _M1 in which the customer's transaction information is stored according to the procedure, analyzes the data, and then determines whether the PIN numbers match or do not match, and the transaction data. Predetermined processing such as validity determination is carried out, and the contents of this processing are displayed on the display (DP) of the processing device. Therefore, the operator only needs to check the display. The card information includes information from the aforementioned memory _M1 and information on the magnetic stripe 3, and the data on the magnetic stripe 3 can be read by a conventional card reader mechanism. The information on this magnetic stripe can be used for bank-specific processing data and various information for confidentiality purposes, but the information on the external input/output memory _M1
If it were made to be compatible with these, a magnetic stripe would become unnecessary.

When the above processing is completed, the processing device P sends necessary information such as the previous balance, deposited amount, new balance, date, etc. to the memory _M1 of the card. The memory _M1 is
Once data is stored, it becomes a semi-permanent memory that does not disappear until the next process. Once data has been stored on the card, the card is reset. In this case, when using a magnetic stripe,
Write the necessary data and eject the card before resetting. The transaction amount and necessary balance information are displayed on the display DP of the processing device, so the operator operates the designated key on the card to check and verify the contents of the data stored on the card. Return to customer.

This completes the normal transaction, but the previous balance, transaction amount, and new balance have been rewritten in the card's memory _M1 by the above processing operation, so the key 21
You can check the latest information on the display at any time by performing steps 23 to 23. The display section in Figure 1 shows the date of March 1954.
The new balance as of the 15th is displayed as 1,395,000 yen. The above is for deposit processing, but deposit withdrawals are processed in the same manner.

Memory _M2 is an internal memory when used as a normal calculator, and is provided separately from external input/output memory _M1 . Therefore, by using the numeric keypad and keys for four arithmetic calculations to display transaction details,
It can also be used as a calculator, making it convenient for keeping a household account book or creating a budget while checking the contents of your passbook. Buzzer BZ is used as an alarm when a timer is installed in this card to give it the function of a clock, or as a warning alarm when the battery BT is about to run out. In addition to these, in the circuit of card C,
CPUA is a microcomputer built into the card.
B is a bus line, _C1 is a keyboard control section, _C2 is a display control section, and _C3 is a buzzer control section. In addition, in the processing device P, CPUB is a microcomputer, ME is a memory, KB is a keyboard, IOC ₁ is a keyboard control section, IOC2 is a display control section,
CRW is a magnetic read/write machine, and CRWC is a magnetic read/write control unit.

As described above, according to the present invention, a conventional magnetic card-like body is equipped with a passbook function and a calculator function, so financial institutions can save on equipment such as printers, while customers can save on equipment such as printers. , read and display monetary information supplied from an external device with keystrokes, and check the contents of your passbook at any time with keystrokes.
It is very effective as it allows you to make calculations based on the contents of your passbook. In addition, the functions of a passbook and a calculator share a large part, such as the display and numeric keypad, so calculation results and monetary information can be displayed on the same display, reducing costs and making the card more compact. is easy.

[Brief explanation of drawings]

The drawings show an embodiment of a card-type passbook according to the present invention, and FIG. 1 is an oblique view of the front side of the card, and FIG.
The figure is a perspective view of the back side of the card, and FIG. 3 is a block diagram showing the circuit configuration of the card along with the processing device side. In the figure, 1 is a display section, 2 is a keyboard section,
21 to 26 are passbook keys, 3 is a magnetic stripe,
_M1 is external input/output memory, and _M2 is internal memory for the calculator.

Claims (1)

[Claims] 1 Numerical keys provided on the surface, keys for specifying a calculation method, a display for displaying at least a plurality of digits, a key for reading stored data, and a key for inputting a transaction type. a microcomputer that is electrically connected directly or indirectly to the memory provided therein and to the memory and each of the keys; and a microcomputer that is provided at a position other than the surface and that is connectable to an external device and that A transaction card comprising a memory and an external interface section for transferring information between the external device and the transaction card, the transaction card being provided with a memory and an external interface section for transferring information between the external device and the transaction card, the transaction card being input by a key for inputting a transaction type through the external interface section. the microcomputer receives monetary amount information related to the monetary transaction and transaction date information corresponding to the monetary amount information from an external device, and stores the information in the memory; In response to the operation of the keys for reading data, the microcomputer reads out monetary amount information and transaction date information stored in the memory and displays them on the display, and In response to a combination operation with a key specifying the calculation method, the corresponding calculation process is executed using the numerical value of the operated numerical key, and the calculation result is displayed on the display device. Featured cards.