JPH0619945A - Data transfer system portable terminal equipment - Google Patents

Abstract

(57) [Summary] [Purpose] To provide a data transfer system and a mobile terminal device that enable easy and secure electronic money transfer without carrying cash. [Structure] The first IC card 17 and the second IC card 18 are connected to the first mobile terminal device 10, and the external input means 1 is connected.
By inputting data from No. 4 and pressing the transfer button 13, some or all of the data stored in the memory of the first IC card 17 is transferred to the memory of the second IC card 18. Next, by coupling the second IC card 18 and the third IC card 27 to the second mobile terminal device 20, and pressing the confirmation button 22 of the second mobile terminal device 20, the memory of the second IC card 18 is pushed. Check the data of
By pressing the transfer button 23, the second IC card 1
All the data stored in the memory 8 is transferred to the memory of the third IC card 27.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a data transfer system and a mobile terminal device for electronically transferring data using a portable data carrier and a mobile terminal device in the fields of distribution and finance. Regarding

[0002]

2. Description of the Related Art Conventionally, cash or a check has been used as a settlement method in a distribution field such as a wholesaler who deals in cash, which does not use a settlement method such as credit sales, bills and credit cards.

[0003]

However, in such a distribution field, a relatively large amount of money is transferred (generally, hundreds of thousands to millions of yen), so that it is bulky or counted as cash. Not only is it annoying, but there is also the problem that carrying a large amount of cash carries a great risk of crime.

On the other hand, a check does not have the problem that it is bulky or cumbersome to count, but its creditworthiness and quickness are inferior to cash. In other words, there is a risk of non-delivery, and because it takes time to confirm the contents, it cannot be immediately cashed, and there is a low security that it is not possible to confirm the legitimacy of the bearer like cash, which causes crimes. It is also a factor. In other words, even if a criminal robbed a check, he could not prevent it from being redeemed, even if he had no immediate money, unless he could report it because the legitimate holder was detained. Was there.

The present invention is to solve the above-mentioned conventional problems, and provides a data transfer system and a mobile terminal device that enable easy and secure transfer of electronic funds without carrying cash, and the mobile terminal device is used in advance. The purpose is to simplify the processing on the store side by setting the amount of money to be paid for the single data.

[0006]

In order to achieve this object, a data transfer system of the present invention is a portable first device having at least a coupling means with a terminal device, a rewritable nonvolatile storage means, and a computing means. And a second and third data carrier, a portable first portable terminal device that receives the first and second data carriers, and a portable second portable terminal device that receives the second and third data carriers. A part of data stored in the nonvolatile storage means of the first data carrier, the first data carrier and the second data carrier being coupled to the first mobile terminal device. Or all of them are transferred to the non-volatile storage means of the second data carrier via the first mobile terminal device, and then the second data carrier and the third data carrier are transferred to the second data carrier. Data to be transferred to the non-volatile storage means of the third data carrier via the second mobile terminal device, by transferring all the data stored in the non-volatile storage means of the second data carrier to the mobile terminal device. It is a transfer system.

[0007]

With this configuration, by using the portable terminal device and the data unit without using cash or checks, the processing on the store side can be simplified and electronic money can be transferred with high security.

[0008]

1 is a block diagram showing a data transfer system according to an embodiment of the present invention. In the figure, 10 is a first mobile terminal device, 11 is a first data carrier (hereinafter, I
Called C card) and 12 are second IC cards, which are possessed by the individual A. Reference numeral 20 is a second mobile terminal device, and 21 is a third IC card, which the store B possesses.

The mechanism for transferring electronic funds between the individual A and the store B using an IC card will be described below with reference to FIG.

In the memory of the first IC card 11 of the individual A, an ATM (Automated Telecommunications) of the bank is previously stored from the individual A's account.
ller Machine: An automated teller machine, etc., and the amount of money, such as 2 million yen of monetary data, is recorded on the IC card 11.
Stored in memory.

The individual A has a first IC card 11 and a second I card.
Bring the C card 12 and the first mobile terminal device 10 to the store B so that they can be used for the electronic money transfer at the store B. Individual A
Is assumed to transfer electronic money of 1.5 million yen at the store B.

First, the individual A inserts the first IC card 11 and the second IC card 12 into the first portable terminal device 10 of the individual A, and the input means of the first portable terminal device 10 (see FIG. 2). (Explained in 1.) that the first IC card 11 will be used for 1.5 million yen. That is, IC
The card 11 checks whether the monetary data (here, 1.5 million yen) input by the input means is within the range of the monetary data (here, 2 million yen) stored in the memory of the first IC card 11, If it is within the range, 1.5 million yen worth of monetary data is transferred to the second I via the first portable terminal device 10.
Transfer to the memory of the C card 12.

Next, the individual A sends the second IC card 1 to the store B.
2 is passed, and the store B transfers the third I to the second mobile terminal device 20.
The C card 21 and the second IC card 12 of the individual A are inserted, and the monetary data stored in the memory of the second IC card 12 is displayed on the display of the second mobile terminal device 20 (described in FIG. 2) ( If it is confirmed that the displayed monetary data is correct, the store B transfers the entire amount of 1.5 million yen from the memory of the second IC card 12 to the memory of the third IC card 21. Then, the store B receives 1.5 million yen from the individual A. By the above procedure, the funds can be transferred from the individual A to the store B by using the IC cards 11, 12 and 21 and the mobile terminal devices 10 and 20 without handling bothersome and dangerous cash and checks. Is. Here is the second IC
The card 12 may be of the store B.

In this embodiment, in order to guarantee the validity of the amount of money to be transferred, first, mutual authentication is performed between the IC card and the mobile terminal device, and thereafter, the monetary data transferred between the IC cards is electronically converted. A signature may be added. This can be easily realized by using the calculation function of the IC card. In this case, it is not necessary to confirm online (or offline) via the communication line because the validity of the transferred monetary data can be confirmed simply by verifying the signature. .

Further, as a feature of using the IC card, the store B is the same as that of the embodiment of the present invention.
Use the fourth IC card (not shown) to transfer electronic funds from the third IC card 21 to use for another payment,
Distribution of electronic money data can be improved.

FIG. 2 is an external view of a portable terminal device owned by a payer or recipient of electronic funds in the data transfer system of the present invention. Hereinafter, only the mobile terminal device 10 will be described, but the mobile terminal device 20 also has the same function.

The first IC card 11 is inserted into the first insertion slot 35.
Then, the second IC card 12 is inserted into the second insertion slot 36, and the owner of the first IC card 11 can input the personal identification number from the ten key 34. The data input from the ten-key pad 34 can be confirmed on the display 31. By pressing the confirmation button 32, the first insertion port 3
5, the data stored in the memory of the IC card 11 inserted in 5 is compared with the data input from the ten-key pad 34.
Alternatively, the IC card 12 inserted in the second insertion slot 36
It is possible to display the data stored in the memory of. When the transfer button 33 is pressed after pressing the confirmation button 32 to compare the data stored in the memory of the IC card 11 inserted in the first insertion slot 35 with the data input from the ten-key 34, From the memory of the IC card 11 inserted in the first insertion port 35 to the memory of the IC card 12 inserted in the second insertion port 36, the ten key 34
Monetary data is transferred by the amount input from. Also,
When the transfer button 33 is pressed after pressing the confirmation button 32 to display the data stored in the memory of the IC card 12 inserted into the second insertion opening 36, the data is inserted into the second insertion opening 36. All the monetary data displayed on the display 31 is transferred from the memory of the IC card 12 to the memory of the IC card 11 inserted into the first insertion slot 35.

Here, each time the electronic funds are transferred, the first IC card 11 is inserted into the first insertion slot 35 of the portable terminal device 10.
Need not be inserted, and the first IC card 11 may be built in the mobile terminal device 10. In this case, the first insertion port 35 of the mobile terminal device 10 is not necessary, and on the other hand, any other shape than the card may be used as long as it has the same function as the first IC card 11. . However, it is necessary to be physically safe so that the data stored inside is not tampered with unfairly.

FIG. 3 is a block diagram of the portable terminal device 10 used in the data movement system of the present invention.

The first IC card 11 has a first insertion slot 35.
It is inserted into the first IC card reader / writer (hereinafter referred to as R / W) 41 via the. The second IC card 12 is inserted into the second IC card R / W 42 via the second insertion slot 36. The owner of the first IC card 11 operates the ten keys 34 in a predetermined procedure while confirming the display contents of the display 31, and the first IC card 1
When the personal identification number of 1 is input, the CPU 43 causes the first IC card 11 in the first IC card R / W 41 to the second IC in the second IC card R / W 42 via the system bus 44. Transfer funds to the card 11. The result of this movement processing may be stored in the memory 45. The backup power supply 46 supplies power to the CPU 43 and each input / output device so that normal processing can be completed even in the event of a power failure during processing. It is something to do. Also memory 4
5 can be divided into a memory that stores programs, a memory that stores temporary information during processing, a memory that stores transaction results, etc. Of these, the memory that stores transaction results is more secure. Although it is possible to electrically erase the data, it is a nonvolatile memory that retains its contents even when the power is turned off.
y Erasable Programmable Re
ad Only Memory). Also,
In the mobile terminal device 10, the encryption logic is incorporated in the CPU 43, and the data in the memory for storing the transaction result is encrypted data, so that it cannot be tampered with maliciously. Consideration is given to the safety and security of data.

[0021]

INDUSTRIAL APPLICABILITY As described above, the present invention can realize an electronic fund transfer system using a medium such as an IC card which is convenient and has high security. Therefore, there are various cases in which the payment by cash or check is used in the conventional example. It can solve problems such as bulky, cumbersome to count, lack of quickness, low security, and high risk of crime. Further, by setting the amount of money to be paid by the individual in advance on the mobile terminal device, the processing on the shop side is simplified and becomes safe.

[Brief description of drawings]

FIG. 1 is a block diagram of an electronic fund transfer system using a data transfer system according to an embodiment of the present invention.

FIG. 2 is an external view of a mobile terminal device in the data transfer system of the present invention.

FIG. 3 is a configuration diagram of a mobile terminal device 10 used in the data movement system of the present invention.

[Explanation of symbols]

 10 1st portable terminal device 11 1st data carrier 12 2nd data carrier 20 2nd portable terminal device 21 2nd data carrier

Claims (4)

[Claims] 1. A portable first, second and third data carrier having at least a coupling means with a terminal device, a rewritable nonvolatile storage means, and a computing means, and the first and second data. It comprises a portable first portable terminal device for receiving a carrier and a portable second portable terminal device for receiving the second and third data carriers, the first data carrier and the second data carrier. Is coupled to the first mobile terminal device, and part or all of the data stored in the non-volatile storage means of the first data carrier is transferred to the second data carrier via the first mobile terminal device. Of the second data carrier and the third data carrier are coupled to the second mobile terminal device and stored in the non-volatile storage means of the second data carrier. Data transfer system for transferring all of the data was through the second mobile terminal device to the non-volatile memory means of the third data carrier. 2. A portable data carrier having at least a coupling means with a terminal device, a rewritable non-volatile storage means, and a computing means, and a portable rewritable non-volatile storage for receiving the data carrier. A first and a second mobile terminal device having means, the data carrier is coupled to the first mobile terminal device, and a part or all of the data stored in the nonvolatile storage means of the mobile terminal device. Is transferred to the non-volatile storage means of the data carrier, then the data carrier is coupled to the second mobile terminal device, and all the data stored in the non-volatile storage means of the data carrier is transferred to the second mobile terminal device. A data transfer system for transferring to a non-volatile storage means of a terminal device. 3. A secret code which has at least a coupling means for both the first data carrier and the second data carrier and an external input means, and which has been input by the owner of the first data carrier from the external input means. A mobile terminal device for transferring predetermined data from a non-volatile storage means of a first data carrier to a non-volatile storage means of a second data carrier according to a number and a command. 4. The mobile terminal device according to claim 3, wherein the first data carrier and the second data carrier can be combined, and the first data carrier can be semi-fixedly resident.