JPS6337468A - Parental card system - Google Patents

Abstract

PURPOSE:To minimize damages due to missing and crime by differentiating and hierarchizing a parentage card used for transferring critical data regarding money issues, transferring said data to other parental cards with transfer source's content, confirming that there is no influence upon others and backing up a copy. CONSTITUTION:A bank 1 issues a master card 3 including a key capable of opening and closing an account to an account contracter 2, and accepts that if the contracter 2 wants, the bank hierarchically issues a slave card 4 that cannot open and close the account. For transferring data, a transfer source card 22 and a transfer destination card 23 are inserted into the prescribed position of a transfer device 21 and a password is inputted to the card. If the parental relation is recognized, only a previously permitted area is backed up. However, since said area is defenseless against an illegal access, the entire data regarding data transfer is written in a transfer area 24. The right to correct and delete the data is given only to a host computer in the bank.

Description

[Detailed description of the invention] [Industrial application field] The present invention relates to a data transfer method between cards.

In particular, the present invention relates to a parent-child card system suitable for transferring important data such as money.

[Conventional technology]

Conventionally, in the usage of IC cards, the main focus has been on increasing the added value of the IC card, security, etc., and no consideration has been given to a system for free data transfer between cards by using one layer.

[Problem that the invention seeks to solve]

The above-mentioned conventional technology deals with the psychological burden on users of carrying an IC card that manages valuable information, especially financial data, and with the fact that all card users enter into direct contracts with banks, etc., it becomes extremely difficult to manage both parties. There was a problem in that the lack of consideration was given to the fact that cashless shopping using IC cards, for example, became a major obstacle to the spread.

The purpose of the present invention is to enable the use of multiple child cards under one parent card that has a direct contract with the issuer.

Free data transfer enables independent management of money flows between cards, and it can be easily carried around like a coin purse.

By making it possible to lend and borrow money, the purpose is to remove the psychological burden on users, and at the same time, to suppress the complexity of management operations at banks, etc. due to the increase in the number of IC card users.

[Failure to solve the problem]

The above objectives are: 1) Differentiating between a parent card that has a direct contract with the issuer and child cards that are approved for use under that parent card; 2)
Transfer of important data such as money between any two cards including another parent card and a child card under the approval of the parent card (separation - with the consent of the transfer source) This can be achieved by providing a means for realizing this and a means for realizing backup copies only in areas that have been certified in advance that there will be no impact on others between immediate parents and children.

[Effect]

By layering parent cards and child cards, child cards can also be
Further, other cards that receive monetary data distributed from those cards can ultimately be billed to the same account through the ID of the same parent card, which simplifies management operations.

In addition, if only parents and children under direct control are allowed to make backup copies of a portion of their data, the damage caused by the loss of common and important data, such as house keys, can be kept to a minimum, and the psychological burden on users associated with carrying an IC card can be reduced. can.

〔Example〕

Hereinafter, five embodiments of the present invention will be explained with reference to FIGS. 1, 2, and 3.

FIG. 1 is a block diagram of a parent-child card system according to the present invention.

The card issuance procedure will be explained using Contractor A as an example.

First, the bank 1 issues one ID to the account subscriber 2. The parent card 3 embodies this, and the key for opening and closing the account is integrated into the parent ID. Bank 1 also uses the above parent ID at the request of policyholder 2.
Multiple child IDs hierarchically under (i.e. child card 4)
However, since these child IDs do not have the authority to directly open and close accounts, the parent card 3 can easily manage the child cards 4 (use restrictions, truncation, etc.). Through the above procedure, multiple cards belonging to the same account can be used freely within their authority.

FIG. 2 is an example of a data transfer method between two arbitrary cards. The flow of data will be specifically explained using this diagram.

First, insert the transfer source card 22 and transfer destination card 23 into the designated positions of the transfer machine 21, and enter the PIN number. Enter information for each card. As a result, communication between cards becomes possible only after the validity of the user is confirmed, and if the parent-child relationship is recognized at this time, backup copying can be realized only in areas that have been previously permitted. Once the card has opened the gate for communication in this way, it is vulnerable to unauthorized access from devices other than the other card (for example, the transfer device 21), so the data transfer method is defined as follows. , increasing its safety. It should be noted that all data related to data transfer is written in the transfer area 24, and the authority to modify or delete it is given only to the bank's host computer.

First, when the desired transfer amount is input from the transfer machine 21, the transfer source card 22 confirms that the balance is within that amount, and then
Pledge bare data containing your ID and amount in the TO area 25, and also note down the ID of the transfer destination1.
One transfer destination card 23 reads the bare data and writes it as is into its own FROM area 26.
．． At this point, rereading of the bare data in the TO area 25 is prohibited. The bare data in FROM26 cannot be used as is, so
Submit a request for approval to 2. At this time, along with the bare data, the address and update count data 2 of the transfer area 24 are
7 to the transfer source card 22, a special approval key that can be uniquely designated as bare data can be issued. The transfer destination card 23 that receives this activates its internal approval stamp issuing program to make the bare data valid data. It should be noted that if a malfunction is detected between the processes, the two processes will request each other to lock the transfer area 24.

・If you configure the data transfer method as described above.

This makes it possible to prevent crimes such as duplication and falsification of monetary data that are expected to occur during offline data transfer. In addition, the transfer area 24 records all data transfer information during the period when online monitoring was not possible, so not only can you track a single crime, but you can also quickly restore your card in the event of an unexpected malfunction and prevent damage. It has the advantage of being minimized.

FIG. 3 is a block diagram of a cashless shopping system using a parent-child card system. shopping center 3
The user of the card 35 who made the purchase at step 2 inserts the card into the terminal 33 or 34 installed at the center 32 and makes a payment. At this time, if the total balance of the account balance, FROM area, and TO area data has the ability to pay, the transaction is completed and the account balance is changed by the payment. Also, when the terminal is online and connected to the bank's host computer 31.

Clearance of the transfer area 36, reconfiguration of account balance, etc. can also be performed on the spot if necessary. At this time, the parent ID (
In other words, monetary data actually flows between the Midea accounts. For convenience, what is referred to as the account balance here refers to the monetary data under the authority of the card 35 (excluding data in the transfer area 36).
[Effects of the Invention] According to the present invention, damage caused by loss, crime, etc. can be reduced.

Minimized by logical separation of child cards.

At the same time, procedures for restoring and reissuing information can be carried out quickly, making it possible to realize a highly reliable and flexible cashless shopping system, which is highly effective.

[Brief explanation of drawings]

FIG. 1 is a block diagram of a parent-child card system according to the present invention. FIG. 2 is a specific example of off-line data transfer between cards, and FIG. 3 is a configuration diagram of a cashless shopping system using a parent-child card system. 1g/ Figure Ichiga ID's Revenge J Kuretomi 3rd

Claims (1)

[Claims] 1. In an IC card usage system that involves data transfer, a parent card that has a direct contract with the issuer and a child card that is approved for use under that parent card are differentiated and stratified, and other parent cards are used. Data is transferred between any two cards, including child cards that have been approved by the parent card, with the consent of the transfer source, and it has been certified in advance that there will be no impact on others between the direct parent and child. This is a parent-child card system that is characterized by backing up and copying only the area where the data is stored.