JPS60196876A - Ic card - Google Patents

Abstract

PURPOSE:To reduce the number of operating processes sharply at the insertion of a card into a terminal equipment by providing an IC card having a storage device and a processor with an input means and displaying means for previously inputting all transaction data and storing and displaying the data. CONSTITUTION:An I/O port 1 of the IC card is coupled with a CPU2, a ROM3, a RAM4, a display device 5, and a keyboard 6 through a data bus 9. Before going to a self transaction bank, a customer turns on a power switch 11 at first, and then inputs a required transaction No., i.e. the kind of transaction, by operating a keyboard 12. The No. is stored in the RAM4, a program of the transaction sort corresponding to the No. is read out from the ROM3 and a cipher is stored in the RAM4 on the basis of the program. In case of a payment transaction, the amount of payment is keyed. In case of a transfer transaction, the cipher, a transferred bank No. and its account No. are keyed. These input data are read out and processed at the insertion of the card into the terminal equipment.

Description

[Detailed Description of the Invention] Technical Field of the Invention The present invention relates to an IC card, and particularly to an IC card that can store and store data necessary for transactions with financial institutions such as banks and credit companies in advance of transactions. It is something.

Description of the Prior Art Currently, magnetic cards such as so-called cashier cards and credit cards are widely used for transactions such as withdrawals, deposits, and transfers through online systems with financial institutions such as banks and credit companies. . These magnetic cards magnetically store data such as codes for identifying customers.

When making a transaction, customers go to their bank with these cards and use the so-called A
1'M (Automatic TellerMachi
ne) or Q [) (Ca5h [) 1spense
r) Insert your card into a transaction terminal such as Yahoo! R), operate the keyboard or other input means according to the prescribed procedure, and input the data necessary for the transaction, such as your PIN, transaction type, transaction amount, etc., into the terminal. do. The encrypted information on the card read by the terminal device and various transaction information entered by the customer into the terminal device are transmitted to each bank's center.
The center's files are updated according to this information and instructions are given to the terminal to carry out the transaction. As a result, various transactions are executed between the customer and the terminal device.

Toko/Ude, the types of transactions currently conducted through online systems include transactions that are not frequently used, such as transfers and transfers, and considering the current social situation, the number of such types of transactions will continue to increase in the future. considered to be a thing. Since current magnetic cards only have a customer identification function, the customer must determine various transaction data such as the type of transaction and input it into the terminal device when making a transaction. Transaction V for customers! In other words, the number of selection elements and operation procedures when operating the terminal device increases.

This may cause customers to be confused when making transactions.
Banks are taking measures such as installing display means such as CRTs on terminal devices to show customers transaction procedures and selection elements. However, such auxiliary means have limitations, and it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, and the efficiency of transaction processing may deteriorate.

Furthermore, these conventional magnetic cards may be stolen, lost, or otherwise used illegally. Such unauthorized use is often carried out by unattended transaction terminals such as ATVs and CDs. Of course, the PIN numbers must match in order to make an unauthorized withdrawal, but PIN numbers are usually made up of numbers that are relatively close to each other, such as the customer's date of birth or phone number. There was also a problem in terms of safety, as there was a risk that unauthorized users could make analogies.

Purpose of the Invention Therefore, the main purpose of the present invention is to eliminate the above-mentioned drawbacks, to be able to store various data necessary for a transaction in advance before a transaction, and to reduce the burden of transaction processing on the terminal device side at the time of transaction. An object of the present invention is to provide an IC card that can perform a variety of transactions and improve the security of transactions.

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, R
AM) and a data processing means (CPU), the IC card is further provided with an input means for inputting transaction data into the RAM and a display means for displaying input transaction data to the customer. Input some or all of the transaction data, such as the PIN number, transaction type, and transaction amount, in advance, and at the time of the transaction, send these data stored on the IC card to the terminal device to execute the transaction. It is composed of

Therefore, according to the present invention, a customer can reliably input and store various transaction data on his or her IC card before going to the bank, and the number of operational steps required when inserting it into a terminal device is greatly reduced. . This reduces the time required for transactions and increases the efficiency of transaction processing.

Additionally, customers can enter data when they are alone, so they do not have to be discreet and can maintain complete transaction confidentiality.

The present invention will be explained in more detail below along with embodiments shown in the drawings.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card that is an embodiment of the present invention.

rC Car i: is a card that has the same size and shape as conventional magnetic cards such as cashier cards and credit cards, and has at least memory such as ROM and RAM, a CPU, and a terminal device. It has built-in contacts (usually 8) for communication.

Conventional magnetic cards have a small storage capacity and are easy to decipher stored information. Compared to conventional magnetic cards, IC cards have a large storage capacity and are highly secure, as they can be programmed so that they cannot be read easily, so there is no need to worry about the stored information being deciphered by others. . It is also possible for the IC card itself to issue a request on its own initiative.

In FIG. 1, the input/output boat 1 is provided with a human line terminal 8, and the human output port 1 is connected to a data bus 9.
It is coupled with the CP, U2, ROM3, RAM4, display 5, and keyboard 6. Power is supplied to the input/output port 1, CPU 2, ROM 3, RAM 4, display 5, and keyboard 6 from a dry battery 7.

Here, the input/output port 1 is for communicating with a terminal device during a transaction, and the ROM 3 stores fixed data regarding the transaction such as IQ number, bank number, branch number, account number, expiration date, etc. The RAM 4 is used to store data necessary for each transaction, such as a PIN number and transaction amount, and the keyboard 6 stores the data necessary for each transaction in the RAM.
4, and a display 5 is used to display the input data to the customer.

Next, FIG. 2 is an external perspective view of an IC card which is an embodiment of the present invention. In Figure 2, the IC card body 1
The front panel of 0 includes a power switch 11, a keyboard (touch keys) 12, a liquid crystal display 13, and contacts 14.
is provided.

The power switch 11 is for supplying power to each component of the IC card shown in FIG. 1, and the keyboard 12 is for inputting various data necessary for transactions into the IC card and storing it in the RAM 4. , and the liquid crystal display 1
3 is for displaying the above-mentioned input data to the customer, and contact 14 is for communicating with terminal B when the IC card is inserted into the terminal device.

Next, FIG. 3 is a diagram showing a memory map of an IC card according to an embodiment of the present invention, which is composed of a ROM storage area and a RAM storage area.

Furthermore, FIG. 4 is a flow diagram for explaining a specific operation program for inputting and storing transaction information before a transaction, which is stored in the ROM of an IC card that is an embodiment of the present invention. It is.

Next, specific operations when inputting IC card transaction data will be described with reference to FIGS. 1 to 4. The embodiment shown in FIG. 4 shows a case where the type of transaction, identification number (hereinafter referred to as code), and transaction amount are stored in an IC card before the transaction.

Before going to the customer's own bank, the customer enters the above-mentioned transaction data, that is, the type of transaction (hereinafter referred to as transaction number), code, and transaction amount, into his or her IC card whenever and wherever he or she likes. First, the customer turns on the power switch 11 under the IC car. Then, power is supplied to each element constituting the IC card shown in FIG. Next, the customer operates the keyboard 12 to select a desired transaction number, ie, the type of transaction, and input it into the IC card. In this example, transaction number 1 represents a withdrawal, transaction number 2 represents a deposit, and transaction number 3 represents a transfer.

This selected transaction number is stored in the storage area of RAM4. Furthermore, the following data input and storage operations are executed based on the program for each transaction type stored in the ROM 3, which corresponds to this transaction number.

When the customer selects transaction number 1 (withdrawal), the customer first inputs an abbreviation using the keyboard 12. This code is IC
It is stored in the storage area of RAM 4 (FIG. 3) within the card. Subsequently, the customer inputs the withdrawal amount using the keyboard 12 as well. This amount is also stored in the storage area of the RAM 4.

This completes the storage of transaction data in the case of withdrawal, and
The power of the C card is automatically turned off according to the program.

When selecting transaction number 2 (deposit), the customer uses the keyboard 12 to input the deposit amount. This amount is RAM4
is memorized. This completes the storage of transaction data in the case of deposit, and the power to the IC card is automatically turned off as well.

Further, when selecting transaction number 3 (transfer), the customer first inputs a code using the keyboard 12. This code is stored in RAM4. Subsequently, the customer enters the other party's bank number and its account number using the keyboard 12. This data is also stored in RAM4. Further, the customer uses the keyboard 12 to input the transfer amount. This amount is also stored in RAM4. This completes the storage of transaction data in the case of transfer, and the power to the IC card is automatically turned off. Further, each data inputted using the keyboard 12 is displayed on the liquid crystal display 13 each time, so that the customer can check whether his or her inputted data is correct.

As described above, according to this embodiment, the transaction number, code, and transaction amount can be reliably stored in the IC card in advance before the transaction.

Next, FIG. 5 is a schematic block diagram showing the electrical configuration of a terminal device that communicates with 1, the C card, which is one embodiment of the present invention shown in FIGS. 1 to 4.

In FIG. 3, an IC card reader 15 is a unit for communicating with the input/output port 1 of an inserted IC card via a contact point 14, and a CRT 16 is a unit for displaying transaction procedures etc. to a customer. and keyboard 1
7 is a unit for a customer to communicate with a terminal device when necessary; a slip issuing machine 18 is a unit for issuing a slip after receiving withdrawal permission from the center; It is a unit for counting banknotes inserted by a customer, a banknote discharging unit 20 is a unit for paying cash to a customer, and a bankbook printing unit 21 is a unit for counting banknotes inserted by a customer, and a bankbook printing unit 21 is a unit for counting banknotes inserted by a customer. , a unit for printing transaction records on the inserted passbook. Each of these units is connected to a control section 22 via an internal data bus, and the control section 22 controls the operations of these units. Further, the control section 22 is connected to a center CPU (not shown) of each bank via a line control section 23 and an input/output terminal 24.

Next, FIG. 6 is a diagram showing a memory map of the IC card terminal device shown in FIG. 5.

Furthermore, the seventh factor is a flowchart for explaining a specific reading operation between an IC card according to an embodiment of the present invention and the IC card terminal device shown in FIG.

Next, a specific IC card reading operation will be explained with reference to FIGS. 5 to 7. Reading of the IC card is performed using a half-duplex communication method, similar to the communication between the terminal device and the center CPU.

First, a customer inserts an IC card, which is an embodiment of the present invention shown in FIGS. 1 to 4, into a terminal device provided at each bank. Then, VtS is supplied to each element constituting the IC card shown in FIG.
A card insertion command is generated based on the program stored in the OM 3 and transmitted to the IC card reader 15 of the terminal device via the input/output port 1. The terminal device that receives this generates an ID number request command and transmits it to the IC card. Next, in the IC card, CPLJ2, which has received the 1088 request command from the terminal via input/output port 1, is stored in the storage area of ROM3 as shown in FIG. 1 to the IC card reader 15 of the terminal device.The terminal device receiving this sends the bank number request command to the IC card reader 15 of the terminal device.
generated and transmitted to the IC card. Next, in the IC card, the CPU 2, which has received the bank number request command from the terminal device via the input/output port 1, inputs the bank number stored in the storage area of the ROM 3 to the input/output port as shown in FIG. 1 to the IC card reader 15 of the terminal device. Upon receiving this, the terminal device side generates an expiration date data request command and transmits it to the IC card. Next I
In the C' card, the CPU 2G receives the expiration date data request command from the terminal device via the input/output port 1.
As shown in FIG. 3, the expiration date data stored in the storage area of the ROM 3 is transmitted to the IC card reader 15 of the terminal device via the input/output port 1. As described above, first, the fixed data related to the transaction stored in the ROM 3 of the IC card is read out by the terminal device.

Next, depending on the type of transaction, the terminal device generates a RAM storage content request command for requesting transaction data stored in advance in the RArVi 14 according to the respective program, and transmits it to the IC card. Next, the terminal is sent to the IC card via the input/output port 1! The CP (J2) that received the RAM storage content request command from
M storage contents, ie, various transaction data such as transaction number, code, transaction amount, counterparty bank, etc., are transmitted to the IC card reader 15 of the terminal device via the input/output cards 1 to 1. IC
The card can track its role by transmitting the RAM storage contents to the terminal device, is powered off according to the program, and is returned to the customer from the terminal device after the transaction is completed.

Next, FIG. 8 is a flow diagram for explaining the specific transaction processing operation of the terminal device from insertion of the IC card to completion of the transaction.

Next, with reference to FIGS. 1 to 8, specific transaction processing of an IC card terminal device, which is an embodiment of the present invention, will be described.

From the IC card inserted into the terminal device by the customer,
As shown in FIG. 7 above, data related to transactions are read from the ROM 3 and RAM 4. First, the fixed data unique to the corresponding bank, such as the TD number, bank number, and expiration date data, read from the ROM 3 is confirmed by the terminal device, and if any of them do not match, the IC
The contents stored in RAM4 of the card will be erased and
The C card is returned to the customer. If all of these conditions are met, then the following transaction processing is executed according to the predetermined type.

When the customer has previously set transaction number 1 (withdrawal), it is first determined whether the code read from the RAM 4 of the IC card is correct. If correct, the terminal device transmits the transaction data read from the ROM 3 and RAM 4 of the IC card to the center CPU of each bank number. At the center, files are searched and updated according to these data, and a withdrawal permission command is given to the terminal device. Upon receiving this command, the terminal fi commands the slip issuing machine 18 to issue a withdrawal slip,
The bill dispensing unit 20 is commanded to pay cash to the customer. After the payment to the customer is completed, the contents stored in the RAM 4 of the IC card are erased for safety, and the IC card is returned to the customer according to the program, and the transaction is completed.

Next, when the customer has previously set transaction number 2 (deposit), the customer inserts the banknotes to be deposited into the banknote deposit section 19. The banknote deposit unit 19 counts the banknotes and determines whether the amount matches the amount stored in advance in the RAM 4 of the IC card. If these amounts match, the terminal device will
The transaction data read from the ROM 3 and RAM 4 of the card is transmitted to the center CPLI of each bank. At the center, files are searched and updated according to this data. This completes the deposit transaction and the IC card RA
The details of the transaction stored in M4 are erased and the IC card is returned to the customer according to the program.

Next, when the customer has set transaction number 3 (transfer) in advance, the data is sequentially read from the RAM 4 of the IC card and it is determined whether the code is correct or not. If it's correct.

The terminal device transmits transaction data read from the ROM 3 and RAM 4 of the IC card to the center CPU of each bank. As shown in FIG. 4, the center CPU communicates with the other party's bank based on the data such as the other party's bank, account number, and transfer amount that have been input in advance, and completes the transfer. With this, the transfer transaction is completed and the IC card
The details of the transaction stored in AM4 are erased and the IC card is returned to the customer according to the program.

As described above, according to this embodiment, the transaction number, code, and transaction amount, which were conventionally input on the terminal device at the time of transaction, can be inputted securely into the IC card before the transaction, thereby allowing the customer to complete the transaction. Confidentiality can be maintained, especially if the transaction number is set for deposits or transfers, even if an unauthorized user uses the IC card, it cannot be used for withdrawals, making it safe and secure. The operating time when handling the equipment can be reduced and the efficiency of transaction processing can be improved.

In addition, in the above-mentioned embodiment, a case was explained in which the transaction number, code, and transaction amount are stored in the IC card in advance. It is also possible to configure the system so that the code and transaction amount are input, or it can also be configured so that the code and transaction amount are stored in an IC card and the transaction number is input using a terminal device at the time of transaction. It is.

[Brief explanation of drawings]

FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card according to an embodiment of the present invention. FIG. 2 is an external perspective view of an IC card which is an embodiment of the present invention. FIG. 3 is a memory map of an IC card which is an embodiment of the present invention. FIG. 4 is a flowchart for explaining the transaction data storage operation of an IC card, which is an embodiment of the present invention. FIG. 5 is a schematic block diagram showing the electrical configuration of the IC card terminal device. FIG. 6 is a memory map of the terminal device shown in FIG. FIG. 7 is a flowchart for explaining the transaction data reading operation of an IC card according to an embodiment of the present invention. FIG. 8 is a flow diagram for explaining transaction processing of the IC card terminal device. In the figure, 1 is an input/output port, 24t CPU, 3
is the ROM, 4 is the RAM 15 is the display, 6, 12° 17 is the keyboard, 7 is the dry battery, 8 is the input/output line terminal, 9 is the data bus, 10 is the IC card body, 11 is the power switch, 13 is the liquid crystal display, 14 is a contact point, 15 is an IC card league, 16 is a CRT 118 is a slip issuing machine, 19 is a bill receiving section, 20 [j bill discharging section, 21 is a passbook printing section, 2
2 is a control section, 23 is a line control section, and 24 is an input/output terminal. (2 others) Figure 1 Figure 2 Figure 3 Figure 6 Figure 5 Figure 4 Figure 7 (IO card) (Dan Song Ai 1)

Claims (2)

[Claims] (1) The first storage for storing data necessary for financial transactions.
a second storage means containing a program for processing procedures for executing the financial transaction; and a data input means for inputting data necessary for the financial transaction into the first storage means. An IC card, comprising: a data display means for displaying the input data; and a data processing means for processing the input data according to the program. (2) The IC card according to claim 1, wherein the program includes a processing procedure program for storing data necessary for the financial transaction.