JPH0376514B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an electronic passbook processing method that processes an electronic passbook consisting of an IC card with a built-in CPU, memory, operation switch, power supply, display unit, and interface for external connection. In particular, the present invention relates to an electronic passbook processing apparatus that edits transaction data transferred from an electronic passbook into a passbook printing format, prints it on a print medium such as a receipt, and hands it to a user.

[Conventional technology]

Paper passbooks currently in use can store 4 to 8 kilobytes of data, that is, print out the data, and since they record the history of transaction results in print, the contents can be read directly.

However, due to constraints from the machines used for transactions, there are restrictions on paper quality and number of inner sheets of paper passbooks, and demands from financial institutions such as lower prices and an increase in the number of inner sheets have not been adequately addressed. The current situation is that there is no such thing. In other words, a lack of inner paper means a lack of data storage, and especially if you try to combine multiple transaction items into one paper passbook, the lack of data storage becomes even more obvious. This is manifested in an increase in the amount of new paper passbooks issued, which is hindering total cost reduction.

On the other hand, in recent years financial institutions have become more electronic and mechanized, and various mechanized systems are being considered, so much so that the future is called electronic banking.
Electronic passbooks using cards are beginning to be considered. In other words, by using an electronic passbook that uses an IC card, we aim to reduce the total cost, which is the drawback of the paper passbook mentioned above, and also enable various forms of usage without impairing the functions of the paper passbook. It is something.

Here, since the IC card can be equipped with a CPU, read/write memory, display section, operation switch, and battery, the IC card can fully function as a passbook. In other words, data can be stored in the read/write memory of the IC card for each transaction by the electronic passbook transaction device, and the contents of the transaction data can be directly read from the display section by operating the operation switch provided on the IC card. In addition, read/write memory has become 250 kilobit CMOS due to dramatic improvements in semiconductor technology in recent years.
As RAM became possible, it became possible to implement large-capacity memory in IC cards as well. Therefore, since the amount of transaction data stored on an IC card is much larger than the amount recorded on a paper passbook, a single IC card can store transaction data equivalent to several passbooks. .

[Problem that the invention seeks to solve]

However, unlike paper passbooks that allow you to view one page of transaction data at a time, electronic passbooks made of such IC cards are limited in the number of characters that can be displayed on the display due to the size of the IC card. For example, the limit is 32 to 64 characters, and at most 1
It only displays transactions. Therefore,
As an electronic passbook using an IC card, there is a problem in that it is necessary to somehow make it possible to view a large amount of transaction data at once.

In addition, in order to repeatedly and effectively use an electronic passbook, which has a limited storage capacity, it is possible to copy the stored information in some way so that the electronic passbook can be used many times before the storage capacity becomes full. It is necessary to

The present invention has been made to solve the above problem, and its purpose is to provide an electronic passbook processing device that can print out the information stored in an electronic passbook, so that bank customers who are employees of electronic passbooks can To make transaction data easier to view without giving a sense of discomfort compared to a conventional paper passbook, to enable permanent storage of transaction data, and to enable the electronic passbook, which is an electronic device, to be used repeatedly.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention provides a passbook format printing control section that edits transaction detail data stored in an electronic passbook into a passbook printing format based on the operation of a print instruction means or the detection of memory near-end of the electronic passbook. and a printer controlled by the bankbook format printing control section.

[Effect]

The present invention having the above features receives the transaction details data stored in the electronic bankbook from the electronic bankbook based on the operation of the print instruction means according to the user's will or the detection of memory near end of the electronic bankbook, and prints the bankbook format print control unit. The data is edited into a passbook print format, and the edited transaction detail data is printed on a print medium using a printer and delivered to the customer.

〔Example〕

Hereinafter, one embodiment of the present invention will be described based on FIGS. 1 to 7.

Fig. 1 is a block diagram showing a state in which an electronic passbook is connected to an electronic passbook processing device according to an embodiment of the present invention, and Fig. 2 shows a passbook printing format printed out by the printer of the electronic passbook processing device according to the present invention. It is a top view showing an example.

In FIG. 1, 1 is an electronic passbook processing device, and 2 is a buffer memory, which stores transaction detail data received from the electronic passbook 3. Reference numeral 4 denotes a passbook format printing control unit which edits the transaction statement data stored in the buffer memory 2 into the passbook printing format shown in FIG. . Reference numeral 7 denotes an input/output device section, which is provided with printout means such as operation buttons for instructing the output of transaction detail storage data of the electronic passbook 3. Reference numeral 8 denotes a CPU, which controls the inside of the electronic passbook processing device 1 and controls transfer to and from the electronic passbook 1 using a program memory 9 . Reference numeral 10 denotes an interface, which in this embodiment is connected to the interface 11 of the electronic bankbook 3 through a photocoupler to exchange data.
Reference numeral 12 denotes a display section, which is composed of a liquid crystal display panel and the like. Note that the buffer memory 2, CPU 8, program memory 9, etc. may be integrated into one integrated circuit.

13 is a CPU, for example a 4-bit CMOS CPU
It consists of a chip IC, and controls the electronic passbook 3 and transfers to and from the electronic passbook processing device 1 using a program memory 14. 15 is a first data memory;
Reference numeral 6 represents a second data memory, and 17 represents a display section, which is comprised of a liquid crystal display panel and the like. Reference numeral 18 denotes an operation switch that selectively retrieves transaction details of multi-subject accounts such as ordinary deposits and time deposits stored in the first data memory 15 and displays them on the display section 17. A primary power source 19 is a power source such as a lithium battery for backing up data stored in the first data memory 14 and the second data memory 15. 2
0 is a secondary power source, which is the main power source of the electronic passbook 3 made of solar cells.

Here, as shown in FIG. 1, the electronic passbook 3 performs transactions while being connected to the electronic passbook processing device 1.
Each time transaction detail data is generated, it is sequentially stored in the first data memory 15 of the electronic bankbook 3. If this operation is repeated, the first data memory 15 of the electronic passbook 3 will eventually become full, and the electronic passbook processing device 1 will need to print out the data. Further, there may be cases where it becomes necessary to print out transaction statement data all at once to the printer 5 of the electronic passbook processing device 1 as required by the customer's will. An example of the passbook printing format printed by the printer 5 at this time is shown in the second example.
As shown in the figure. Furthermore, the printing medium 6 used in the printer 5
It is best to use low-cost paper such as roll paper.

FIG. 3 is a plan view showing an example of an electronic bankbook used in the present invention. In FIG. 3, the electronic passbook 3 includes a CPU 13, a program memory 14, a first data memory 15, and a second data memory 15 in an insulating card base material 21.
It has a built-in data memory 16, etc. The operation switch 18 also includes a normal key 18 for selecting subjects.
a, periodic key 18b, and ↑ for display stroke
It is divided into a key 18c and a ↓ key 18d, and when the ordinary key 18a is pressed, the latest transaction details of the ordinary deposit are displayed as shown in the display section 17 shown in FIG. 3, for example. If you would like to go back and view previous transactions,
By pressing the ↑ key 18c, the transaction details can be displayed on the display section 17 in sequence, one by one. Also, if you press the periodic key 18b,
The latest time deposit transaction details can be displayed on the display section 17. Here, the functions of the ↑ key 18c and the ↓ key 18d can be handled in the same manner as described above, and the transaction details of the time deposit can also be viewed retrospectively.

In this embodiment, the display unit 17 is configured to be able to display, for example, 32 characters x 2 lines of characters, and the secondary power source 20 can sufficiently perform the function of the electronic passbook 3 even with the light of, for example, a fluorescent light. It shall be possible to supply sufficient power.

FIG. 4 is a diagram showing an example of the data format of the first data memory 15 of the electronic passbook 3 used in the present invention. First, the operation of displaying transaction data stored in the first data memory 15 on the display section 17 of the electronic bankbook 3 will be explained based on FIGS. 3 and 4.

Electronic passbook 3 subject selection key, for example, normal key 18
When a is pressed, the CPU 13 finds the memory block with the item code "1" shown in the first byte of the transaction data memory block in the first data memory 15, and selects the memory block with the item code "1" from among the memory blocks with the item code "1". Find the largest number among the single digits of the transaction number data shown in the 1st, 3rd, and 4th bytes, and display the 64-digit transaction data shown in the 5th to 68th bytes of that memory block on the display unit 1.
Display on 7. Here, when the ↑ key 18c is pressed, a memory block with a value obtained by subtracting 1 from the displayed transaction number is found, and the transaction data of that memory block is displayed on the display section 17. Also, ↓
When the key 18d is pressed, the memory block whose numerical value is 1 added to the displayed transaction number is found, and the transaction data of that memory block is displayed on the display section 1.
Display on 7.

Next, the operation of writing transaction data into the electronic passbook 3 by the electronic passbook processing device 1 will be explained. First, the electronic passbook 3 determines the account code, finds the maximum value of the transaction number data in the memory block with the same account code, and adds 1 to that value as the transaction number and inserts it between the account code and the transaction data. The data is inserted and written into the first data memory 15. At this time, in this embodiment, since the subject code of "0" is used as the display prohibition code, a number other than "0" is written.

FIG. 5 is a diagram showing an example of the data format of the second data memory 16 of the electronic passbook 3 used in the present invention.

The second data memory 16 in such a data format has a memory address that is differentiated from that of the first data memory 15, and the CPU 13 of the electronic passbook 3 is configured so that the contents cannot be displayed on the display unit 17 of the electronic passbook 3 alone. is programmed via the program memory 14. Specifically, the start address of each memory block in the first data memory 15 and the second data memory 16 is determined, and if both of the results are 0, the data is determined to be display prohibited data and is not displayed on the display unit 17. Make it. In addition, electronic passbook 3
When issuing a new electronic passbook 3, data is written into the second data memory 16 of the electronic passbook 3 in the data format shown in FIG. 5 by a passbook issuing device (not shown).

Here, the operation at the time of transaction regarding customer information based on the data format will be explained. First of all,
When the electronic passbook 3 is connected to the electronic passbook processing device 1 via the interfaces 10 and 11, a password request command is issued from the electronic passbook processing device 1 to the electronic passbook 3. When the electronic passbook 3 receives this command, the second
Five bytes are extracted from the first address of the data memory, and the second, third, fourth, and fifth bytes of the password, excluding the display prohibition code of the first byte, are transferred to the electronic passbook processing device 1.

When the identity is verified using this password, the electronic passbook processing device 1 issues a customer information request command necessary for the transaction to the electronic passbook 3. When the electronic passbook 3 receives this command, it determines the customer information code specified in the customer information request command. In other words, of the customer information data memory block consisting of 259 bytes stored in the second data memory 16, the customer information codes indicated in the second and third bytes are the same as the customer information code. 258 bytes of the memory block excluding the display prohibition code of the first byte are transferred to the electronic passbook processing device 1.

The electronic passbook processing device 1 determines the establishment/failure of a transaction based on the transferred customer information, or converts customer service information such as term deposit maturity date information, deposit effective investment information, preferential limit balance information, etc. 1 display section 12. Then, when the transaction processing continues and the transaction is established, the transaction data is transferred to the electronic bankbook 3 and stored in the first data memory 15, and the transaction is completed. Furthermore, when the customer information service is added or updated as necessary, a customer information write command is issued from the electronic passbook processing device 1 to the electronic passbook 3, and the customer information consisting of 258 bytes as shown in Fig. 5 is written. 2nd block with data as 1 block
The data is stored in the data memory 16.

If transactions are repeated as described above, the storage capacity of the first data memory 15 will eventually become full, and in order to continue using the electronic passbook 3, it is necessary to empty the stored contents of the first data memory 15. will arise. Hereinafter, the means for doing so will be explained based on FIGS. 6 and 7.

FIG. 6 is a diagram showing the data transmission control procedure for transactions between the electronic passbook processing device 1 and the electronic passbook 3;
The figure shows the first data memory 15 built into the electronic passbook 3.
3 is a flowchart showing the near-end detection process of FIG.

First, in order to know the connection state with the electronic passbook 3 and the state of the electronic passbook 3, the electronic passbook processing device 1
Issue COM.1 (status read command). In response to this issuance, the electronic passbook 3 returns RES.1 (normal response) if there is no abnormality. Next, the electronic passbook processing device 1 uses COM.2 to know the PIN number.
(Password request command) is issued. In response to this issuance, the electronic passbook 3 transfers RDATA1, that is, 4 bytes of password data, from the second data memory 16 to the electronic passbook processing device 1. Then, the electronic passbook processing device 1 uses COM.3 to know customer specific information.
(Customer information request command). In response to this issue, the electronic passbook 3 transfers RDATA2, that is, 258 bytes of customer information stored in the second data memory 16 from the customer information code specified in COM.3 to the electronic passbook processing device 1. In addition, the above COM.
Processing from 1 to RDATA2 may be omitted depending on the transaction situation.

Here, in the electronic passbook processing device 1, for example, one current transaction and four unrecorded transactions due to automatic withdrawal are processed.
In order to know the status of the electronic passbook 3, when a transaction unit of 5 transactions in total, in other words, a transaction of 5 lines to be printed on the paper passbook occurs, the electronic passbook processing device 1
Issue COM.1. In response to this issuance, the electronic passbook 3 transfers RES.1 if there is no abnormality. next,
The electronic passbook processing device 1 sequentially processes the transaction statement data of the oldest of the four unrecorded transactions from the first one of the electronic passbook 3.
In order to write to the data memory 15, COM.4 (transaction statement write command) and WDATA1 (transaction statement data 1) are issued. In response to this issuance, the electronic passbook 3 stores the data 1 in the first data memory 15.
Then, store it in the data format shown in Figure 4,
If there is no abnormality, transfer RES.1.

Then, the electronic passbook processing device 1 operates as described above.
Issue COM.4 and WDATA2. In response to this issue, the electronic passbook 3 stores data 2 in the first data memory 15 and transfers RES.1 if there is no abnormality. Next, the electronic passbook processing device 1 is connected to COM.4.
Issue WDATA3. In response to this issuance, the electronic passbook 3 stores the data 3 in the first data memory 15. At this time, for example, the first data memory 15
The near-end state is CPU 13 of electronic passbook 3.
When notified, RES.2, that is, near-end status is transferred to the electronic passbook processing device 1.

Note that the near-end detection means in the first data memory 15 of the electronic passbook 3 detects transaction detail data in the first data memory 15.
After storing in the data memory 15, the first data memory 1
From the total number of bytes m of 5, the number of stored transaction details units n, and the number of one transaction details data 68 bytes, X = m-
68n is derived, and when this X becomes X<68, it is determined that the near end is reached.

When the electronic passbook processing device 1 detects a near-end status from the electronic passbook 3, the electronic passbook processing device 1 uses the COM .5 (Transaction details data request command) is issued. Electronic passbook 3 for this issue
From the first address of the first data memory 15,
DATA1, that is, 68 bytes of transaction detail data is transferred to the electronic passbook processing device 1 as one block.

When the electronic passbook processing device 1 receives the transaction detail data from the electronic passbook 3, it transfers it to the passbook format printer control section 4 and prints it out on roll paper or slips in passbook format. Note that the details of this operation will be described later. Next, the electronic passbook processing device 1 issues COM.1 to the electronic passbook 3. In response to this issuance, if the electronic passbook 3 still has transaction detail data stored, RES.
Transfer 2. Then, the electronic passbook processing device 1 requests the next transaction detail data from the electronic passbook 3.
COM.5 is reissued, and in response to this issue, the electronic passbook 3 transfers DATA2 to the electronic passbook processing device 1,
Similarly to the above, the electronic passbook processing device 1 performs printout via the passbook format printer control section 4. The above operations are repeated until all transaction detail data stored in the electronic passbook 3 is transferred to the electronic passbook processing device 1.

Here, after all the transaction detail data stored in the electronic passbook 3 is transferred to the electronic passbook processing device 1,
Further, when the electronic passbook processing device 1 issues COM.5, the electronic passbook 3 transfers RES.3 (data transfer end response). Therefore, the electronic bankbook 3 is initialized in this state.

Then, the electronic passbook processing device 1 further issues COM.1 in order to write the remaining two transactions out of the five suspended transactions into the electronic passbook 3, and in response to this issuance, the electronic passbook 3 If there is no abnormality, transfer RES.1. Next, the electronic passbook processing device 1 is COM.4
and WDATA4, and in response to this issue, the electronic passbook 3 transfers RES.1 if there is no abnormality, and when the electronic passbook processing device 1 receives this, it issues COM.4 and WDATA5. In response to this issuance, the electronic passbook 3 transfers RES.1 if there is no abnormality, and the electronic passbook processing device 1 completes this RES.1 by following the same procedure as described above. On the other hand, at the same time, electronic passbook 3
The printing out of the transaction details data stored in the electronic bankbook 3 is completed, and the rewriting of the electronic bankbook 3 is completed.

In addition, if the customer wishes to output to the printer 5 of the electronic passbook processing device 1 before the near-end detection of the first data memory 15 of the electronic passbook 3, the transaction details of the electronic passbook 3 provided in the input/output device section 7 can be stored. When the electronic passbook 3 receives a signal indicating that the first data memory 15 and the second data memory 16 are near-end based on the signal from the print instruction means such as an operation button that instructs data output, It is designed to perform simultaneous processing. At this time, the display unit 12 of the electronic passbook processing device 1 displays a message indicating whether or not the transaction statement data is desired to be output.

Next, the operation of printing out the transaction details data stored in the electronic bankbook 3 will be explained.

In FIG. 1, an electronic passbook processing device 1 receives transaction data from a first data memory 15 in an electronic passbook 3 via interfaces 10 and 11, and then temporarily stores this transaction data in a buffer memory 2. When the first transaction data is stored in the buffer memory 2, the transaction data is sequentially transferred to the passbook format printing control section 4 in the electronic passbook processing device 1, and the passbook format printing control section 4 performs the passbook printing shown in FIG. Print on printing paper 6 via printer 5 in the format. Here, this printing speed is
The data transfer speed is about 80 to 120 characters/second, which is much slower than the data transfer speed from the first data memory 15 in the electronic passbook 3, so the electronic passbook processing device 1 is
Data transfer requests are made to the electronic passbook 3 one after another even during printing, and transaction data received from the electronic passbook 3 is sequentially stored in the buffer memory 2.

Thereafter, as long as the transaction data is stored in the buffer memory 2, the transaction data is transferred to the bankbook format printing control section 4 and printing is continued. While this printing operation continues, the printing paper 6 is sequentially ejected from the electronic passbook processing device 1 and
After all the transaction data received from the electronic bankbook processing device 1 has been printed, the electronic bankbook 3 is removed from the electronic bankbook processing device 1, and the printing paper 6 is cut and handed to the customer.

〔Effect of the invention〕

As described above, according to the electronic passbook processing device according to the present invention, format printing is performed to edit transaction detail data stored in the electronic passbook into a passbook printing format based on the operation of the print instruction means or the detection of the memory near end of the electronic passbook. By providing a control section and a printer controlled by the passbook format printing control section, transaction detail data stored in the electronic passbook can be stored in the passbook based on the operation of the print instruction means or the detection of the memory near end of the electronic passbook. The format printing control unit edits the bankbook printing format, and the edited transaction details data is printed on a print medium using a printer and delivered to the customer, so it is more easily accepted by bank customers than the paper bankbook used in the past. In addition, the issuing bank can use the electronic passbook, which is made up of a relatively expensive IC card, over and over again, making it possible to use the electronic passbook efficiently and at low cost.

[Brief explanation of drawings]

Fig. 1 is a block diagram showing a state in which an electronic passbook is connected to an electronic passbook processing device according to an embodiment of the present invention, and Fig. 2 shows a passbook printing format printed out by the printer of the electronic passbook processing device according to the present invention. 3 is a plan view showing an example of an electronic passbook used in the present invention; FIG. 4 is a diagram showing an example of the data format of the first data memory of the electronic passbook used in the present invention; FIG. 5 is a diagram showing an example of the data format of the second data memory of the electronic passbook used in the present invention, FIG. 6 is a diagram showing the data transmission control procedure for transactions between the electronic passbook processing device and the electronic passbook, and FIG. The figure is a flowchart showing the near-end detection process of the first data memory built into the electronic passbook. 1...Electronic passbook processing device, 2...Buffer memory,
3...Electronic bankbook, 4...Bankbook format printing control unit, 5...Printer, 6...Print medium, 7...I/O device unit, 8, 13...CPU, 9, 14...Program memory, 10, 11...Interface, 12 ，
17... Display unit, 15... First data memory, 16...
Second data memory, 18...operation switch, 18a
...Normal key, 18b...Periodic key, 18c...↑ key, 18d...↓ key, 19...Primary power supply, 20...2
Next power supply.

Claims (1)

[Claims] 1 IC with CPU, memory, operation switch, display, power supply, and external connection interface
In an electronic passbook processing device that handles an electronic passbook consisting of a card, a passbook format printing control unit edits transaction detail data stored in the electronic passbook into a passbook printing format based on the operation of a print instruction means or the detection of memory near-end of the electronic passbook. , and a printer controlled by the passbook format printing control section.