JPH0438032B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a card-shaped electronic passbook in which an IC chip consisting of a CPU, a data memory, etc. is built into an insulating card base material, and particularly relates to a data memory. It is.

[Conventional technology]

In recent years, the electronicization of financial institutions such as banks,
Mechanization is progressing significantly, and the future is called electronic banking, and various mechanized systems are being considered.

Amid these structural reforms, the savings and savings passbook has changed.
Consideration has begun to use IC cards to create electronic passbooks, and if this is implemented, more diverse forms of passbook use can be expected without sacrificing the functionality of the booklet passbooks that have traditionally been used.

Conventional booklet passbooks are limited in paper quality, number of inner sheets, etc. due to structural limitations of the devices used for transactions, and in response to demands from financial institutions to lower prices and increase the number of inner sheets. The current situation is that sufficient measures have not been taken.

In a booklet passbook, a lack of inner paper means a lack of data storage capacity, and especially when multiple transaction items are combined into one passbook to create a comprehensive passbook, the data storage capacity is even more insufficient. It became noticeable,
This results in an increase in the number of new bankbooks issued, which is one of the factors that prevents total cost reduction. Incidentally, the booklet-shaped passbooks currently in use are capable of storing (printing out) 4 to 8 kilobytes of data. In addition, bankbooks at financial institutions record the history of transaction results, and being able to directly read the contents is also an important function.

On the other hand, an IC card is an IC chip consisting of a CPU, data memory, etc., a display, a key switch,
It is constructed by mounting a battery, etc. on an insulating card base material, and transaction data, etc. can be stored in the data memory, and the transaction data, etc. can be retrieved from the data memory by key operation and displayed on the display. Therefore, it is fully possible to fulfill the function of a financial institution's savings account passbook.

In addition, due to dramatic improvements in semiconductor technology in recent years,
Data memory is 256 kilobits of CMOS RAM
has been realized, and it has become possible to implement large-capacity data memory in IC cards as well, so the amount of data stored in an IC card has increased significantly compared to a booklet passbook. It is now possible to store transaction data equivalent to several volumes.

Examples of electronic passbooks using such IC cards include JP-A-59-20087 and JP-A-59-20087.
No. 94170 etc. have been proposed.

By the way, financial institutions such as banks store customer attribute data in customer data files in order to improve customer services, expand transaction operations, and conduct customer credit checks. The information is not just bank numbers, account numbers, and loan limits, but also includes a variety of information such as privacy-related information such as credit card amount, address, age, occupation, telephone number, family, and property business, and the amount of data is large. As a result, the amount of data stored in the memory file systems of financial institutions' data processing centers is enormous.

Therefore, in a situation where the data handled by financial institutions includes not only transaction data but also customer attribute data, memory file systems are becoming increasingly faster and larger in order to process the huge amount of data. Things will be required.

Therefore, when using the above-mentioned electronic passbook as a financial institution's savings passbook, since the amount of data stored is large, storing customer attribute data in the data memory of the electronic passbook reduces the burden on the financial institution's memory file system. It is possible to reduce the

[Problem that the invention seeks to solve]

However, customer attribute data is confidential information on the financial institution side and, in principle, is not disclosed to customers. Therefore, customer attribute data cannot be stored in the data memory that stores transaction data. Ultimately, there is a problem in that the data must be processed at the financial institution's data processing center.

The present invention was made to solve such problems, and it is possible to store confidential customer attribute data in a data memory without losing its confidentiality, and is suitable for use in memory file systems of data processing centers in financial institutions. The aim is to realize an electronic passbook that can reduce the burden.

[Means for solving problems]

An insulating card base material includes an IC chip consisting of a CPU, data memory, etc., a key switch section, a display for displaying data, a data exchange means for connecting with a transaction device to exchange data, and a power source for these. The data memory includes a first data memory divided into a plurality of memory blocks each having a data area in which a display prohibition code can be written, and a first data memory in which display is prohibited. The second data memory is divided into a plurality of memory blocks each having a data area, and the key switch section includes a key for specifying data to be displayed on the display;
Equipped with a key to send data so as to display data older than the data displayed on the display, and a key to send data so as to display data newer than the data displayed on the display,
The CPU writes data transferred from the transaction device via the data transfer means into the first and second data memories, and writes data into the first and second data memories in response to a request from the transaction device. a function of extracting data from the transaction device and transferring it to the transaction device via the data exchange means; and when data to be displayed is specified by a key of the key switch section when the data exchange means is not connected to the transaction device; The code of each memory block of the first data memory is extracted and it is determined whether or not it is a display prohibition code, and based on the determination result, the data specified by the key among the data in which the display prohibition code is not written is selected. It is characterized by having a function to take it out and display it on a display.

[Effect]

In the present invention having the above-mentioned configuration, when data to be displayed is specified by a key on the key switch part in a state where the data exchange means is not connected to the transaction device, the code of each memory block of the first data memory is retrieved. , it is determined whether or not it is a display prohibition code, and based on the determination result, the data specified by the key from among the data in which the display prohibition code is not written is retrieved and displayed on the display. Transaction data is stored in the first data memory along with codes other than display prohibited codes, and confidential data, that is, customer attribute data is stored in the second data memory, which has an area for data whose display is prohibited. in,
Its confidentiality can be maintained, thereby making it possible to decentralize customer attribute data, that is, to reduce the burden on the financial institution's memory file system.

In addition, since it is possible to write a display prohibition code in the first data memory, when the second data memory becomes full, confidential data can be written in the first data memory together with the display prohibition code. If you do so, you can prohibit the display of this sensitive data.

This makes it possible to effectively utilize the two data memories, making it less susceptible to the initial memory capacity settings.As a result, data that requires secrecy due to changes in the business of banks and other financial institutions can be stored in the initial memory. It is possible to provide an electronic passbook that can flexibly handle even if the capacity increases significantly compared to when the capacity is set.

〔Example〕

Examples will be described below with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of an electronic passbook according to the present invention. In the figure, 1 is a CPU;
A 4-bit CMOS CPU is used here. This CPU 1 performs internal control of the electronic passbook and connection control with the transaction device using the program memory 2. 3 is a first data memory that mainly stores transaction data indicating transaction results; for example, 8 to 64;
A kilobyte of CMOS RAM is used,
Further, 4 is a second data memory for storing PIN number data, customer attribute data, etc., and like the first data memory 3, it is 8 to 64 kilobytes C.
MOS RAM is used. As will be explained in detail later, the addresses of the first data memory 3 and the second data memory 4 are distinguished from each other, and only the transaction data stored in the first data memory 3 is displayed on the liquid crystal display 5. It's becoming like that.

6 is a key switch section used to display the data stored in the first data memory 3 on the liquid crystal display 5, and 7 is an interface section for connecting the CPU 1 to the transaction device.

8 and 9 are power supply means, specifically, 8 is a lithium battery for backing up the contents of the first and second data memories 3 and 4;
is a solar battery that is the main power source for electronic passbooks.

FIG. 2 is a front view showing the appearance of the electronic passbook with the above-described configuration, and 10 is an insulating card base material;
A liquid crystal display 5, a key switch section 6, and a solar cell 9 are arranged on the surface of this insulating card base material 10, and an IC chip consisting of a CPU 1, a program memory 2, a first data memory 3, a second data memory 4, etc. , and a lithium battery 8 is built into an insulating card base material 10.

Here, the liquid crystal display 5 is configured to display characters in 32×2 lines, and the key switch section 6 is provided with keys 6a to 6d for specifying the subject of transaction data and switching the displayed data. Furthermore, the solar cell 9 is adapted to be activated by the light of a fluorescent lamp, for example, and to supply sufficient power necessary to perform the functions of an electronic passbook.

Reference numeral 11 denotes a connection section with the transaction device, which is a means for exchanging data with the transaction device using a photocoupler.

Next, the operation of the above-described configuration will be explained.

First, when a new transaction occurs with a customer at a financial institution, for example, when the customer has a new general account, the financial institution connects an electronic passbook with the above-described configuration to a transaction device and conducts the transaction. At this time, along with the new deposit transaction, the personal identification number and attribute data of the customer who will be the passbook holder are simultaneously written to the first data memory 3 and the second data memory 4, respectively, and after the transaction is completed, the electronic passbook is passed to the customer.
In other words, financial institutions issue electronic passbooks to customers.

After this, each time a transaction is made, the unrecorded data stored in the financial institution's center file will be written to the first data memory 3 of the electronic passbook, but in this case, the transaction device will The customer attribute data stored in the second data memory 4 can be read out to perform transaction data processing.

Furthermore, when the electronic passbook is not connected to the transaction device, the transaction data stored in the first data memory 3 can be displayed on the liquid crystal display 5 by operating the key switch section 6 of the electronic passbook.

That is, when the ordinary key 6a, which is the subject key of the key switch section 6, is pressed, transaction data indicating the latest transaction details of the ordinary deposit is displayed on the liquid crystal display 5 according to the passbook format as shown in FIG. If you wish to go back and view the details of previous transactions, press the ↑ key 6c for display switching to forward the display data, and the transaction data will be displayed on the liquid crystal display 5 sequentially. Further, when the ↓ key 6d is pressed, transaction data newer than the currently displayed transaction data is displayed by advancing the display.

Further, when the regular key 6b for specifying the display of time deposit data is pressed, transaction data indicating the latest transaction details is displayed on the liquid crystal display 5 in accordance with the passbook format. At this time, key 6
Display data can be sent using c and 6d in the same manner as above.

3 is a diagram showing the data format of the first data memory 3, and FIG. 4 is a diagram showing the data format of the second data memory 4.
FIG. 1 is a diagram showing a data format of the electronic passbook according to the present invention, and the operation of the electronic passbook according to the present invention will be explained in more detail with reference to both diagrams.

The first data memory 3 is 1 as shown in FIG.
It has memory blocks for ~n transaction data, and each memory block consists of an area of 68 bytes, where the 1st byte is for the account code, the 2nd to 4th bytes are for the transaction number, and the 5th to 68th bytes are for the transaction number. of bytes are used for transaction data.

Therefore, when the subject key of the key switch section 6, for example, the normal key 6a, is pressed, the CPU 1
A memory block in which the item code shown in the first byte of the memory block of transaction data in the data memory 3 is "1" is found. Next, find the largest number among the 3-digit transaction numbers shown in the 2nd, 3rd, and 4th bytes in the memory block with account code "1", and display the transaction data of that memory block on the LCD display 5. to be displayed. If the ↑ key 6c is then pressed, the memory block whose value is the transaction number being displayed minus 1 will be found and the transaction data of that memory block will be displayed on the LCD display 5, and if the ↓ key 6d is pressed again. , change the displayed transaction number to 1
The memory block with the plus value is found and the transaction data of that memory block is displayed on the liquid crystal display 5.

When writing transaction data from a financial institution's transaction device to an electronic passbook, the electronic passbook is stored in the first data memory 3.
The maximum value of the transaction number data in the memory block of the same account is determined by determining the account code of the same account, and the value obtained by adding 1 to that value is inserted as a transaction number between the account code and the transaction data, and the value is inserted into the first data memory 3. write to. At this time, the subject code is “0”
In order to use it as a display prohibition code, that is, a second data memory 4 to be described later, other than "0", for example, "1" is written as the code for ordinary deposit, and "2" is written as the code for time deposit.

On the other hand, as shown in FIG. 4, the second data memory 4 includes a 5-byte memory block for a password, and areas 1 to n consisting of 259-byte areas each.
It has a memory block for customer attribute data, and the memory block for the PIN code has the first byte for the display prohibition code, the 2nd to 4th bytes for the PIN data, and the memory block for the PIN code. The memory block uses the first byte for a display prohibition code, the second and third bytes for an information code, and the fourth to 259th bytes for attribute data.
Note that the display prohibition codes of each memory block are all fixed to "0".

As described above, the second data memory 4 has a memory address distinct from that of the first data memory 3, and is programmed in the CPU 1 so that the electronic passbook alone cannot be displayed on the liquid crystal display 5.

Specifically, the start address of each memory block of the first data memory 3 and the second data memory 4, that is, the first byte, is determined, and if it is "0", it is displayed on the liquid crystal display 5 as display prohibited data.
Avoid doing this.

When issuing a new electronic passbook, the customer's password data, information code, and attribute data are written into the second data memory 4 in the above-described format by the passbook issuing device of the financial institution. And when trading,
When this electronic passbook is connected to a transaction device, the transaction device issues a command to request a PIN number to the electronic passbook, which causes the CPU 1 to extract 5 bytes from the first address of the second data memory and display the first byte. Transfer the data of the second to fifth bytes excluding the prohibition code to the transaction device.

When the customer's identity is verified using the transferred PIN, the transaction device issues a command to request customer information necessary for the transaction to the electronic passbook. This allows CPU1
determines the customer information code specified in the customer information request command and transfers only the corresponding information to the transaction device. That is, among the memory blocks that match the information codes shown in the second and third bytes of the 259-byte customer attribute data memory block stored in the second data memory 4, Transfer the second and subsequent 258 bytes, excluding the display prohibition code of the first byte, to the transaction device.

The transaction device displays success/failure of the transaction or customer service information, such as time deposit maturity date information, deposit effective investment information, and Maruyu limit balance information, on the display of the transaction device based on this customer attribute data, and further The transaction processing continues, and once the transaction is completed, the transaction data is transferred to the electronic passbook.
The data is stored in the first data memory 3 by the CPU 1, and the transaction is completed.

In addition, when the customer's attribute data is added or updated, an attribute data write command is issued from the transaction device to the electronic passbook as necessary, and data consisting of 258 bytes is stored in the second data memory 4 as one block. Stored in memory block for use.

Furthermore, when the second data memory 3 becomes full and customer attribute data is added,
Since the first data memory 3 is capable of writing a display prohibition code as shown in FIG. If written, display of this attribute data on the display 5 can be prohibited.

〔Effect of the invention〕

As explained above, in the electronic passbook of the present invention, when the data to be displayed is specified by the key of the key switch part in a state where the data exchange means is not connected to the transaction device, each memory block of the first data memory is The code is extracted and it is determined whether or not it is a display prohibition code, and based on the determination result, the data specified by the key from among the data in which the display prohibition code is not written is extracted and displayed on the display. Therefore, transaction data is stored in the first data memory along with codes other than the display prohibited code, and confidential data, that is, customer attribute data, is stored in the second data memory, which has an area for data whose display is prohibited. By storing it, its confidentiality can be maintained.

Therefore, customer attribute data, which was previously stored in the memory file system of the processing center of all financial institutions, can now be distributed and stored in each customer's electronic passbook, thereby reducing the burden on the processing center. This has the effect of being able to reduce the amount of noise and improve processing capacity.

Furthermore, according to the present invention, not only the amount of data stored can be significantly increased compared to a booklet-like passbook, but also various data including the above-mentioned customer attribute data can be stored, so the applications can be expanded. Moreover, since the mechanical part of the transaction device is simpler than that of a booklet-like passbook, which takes various forms, the transaction device can be made smaller and cheaper, and the data memory can repeatedly store transaction data. Since it can be rewritten, it also has the effect of reducing total costs compared to booklet passbooks.

Furthermore, the present invention allows writing a display prohibition code in the first data memory.
When the first data memory becomes full, if sensitive data is written in the first data memory together with a display prohibition code, display of this sensitive data can be prohibited.

This makes it possible to effectively utilize the two data memories, making it less susceptible to the initial memory capacity setting. Therefore, due to changes in the business operations of banks and other financial institutions, sensitive data can be stored in the initial memory. It is also possible to provide an electronic passbook that can flexibly accommodate even if the memory capacity increases significantly compared to when the memory capacity is set.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing an embodiment of an electronic passbook according to the present invention, FIG. 2 is a plan view showing the external appearance of the electronic passbook, FIG. 3 is a diagram showing the data format of the first data memory, and FIG. FIG. 4 is a diagram showing the data format of the second data memory. 1: CPU, 2: Program memory, 3: 1st
data memory, 4: second data memory, 5:
Liquid crystal display, 6: key switch section, 7: interface section, 8: lithium battery, 9: solar cell, 10: insulating card base material, 11: connection section.

Claims (1)

[Scope of Claims] 1. An IC chip consisting of a CPU, data memory, etc. on an insulating card base material, a key switch section, a display for displaying data, and a data exchange device for transmitting and receiving data by connecting with a transaction device. and a power supply means for supplying power to these, and the data memory is a first data memory divided into a plurality of memory blocks each having a data area in which a display prohibition code can be written. ,
A second data memory is provided which is divided into a plurality of memory blocks each having a data area whose display is prohibited, and the key switch section has a key for specifying data to be displayed on the display, and a key for specifying data to be displayed on the display. A key for transmitting data to display older data and a key for transmitting data to display newer data than the data displayed on the display, the CPU transmits data from the transaction device via the data transfer means. writes the transferred data into the first and second data memories, retrieves the data from the first and second data memories in response to a request from the transaction device, and executes the transaction via the data exchange means. When the data to be displayed is specified by the key of the key switch section when the data transfer means is not connected to the transaction device, the code of each memory block of the first data memory is retrieved. The present invention has a function of determining whether or not the code is a display prohibition code, and, based on the determination result, extracting only the data specified by the key from among the data in which the display prohibition code is not written and displaying it on the display. A distinctive electronic passbook.