JPH0426747B2 - - Google Patents

Description

[Detailed Description of the Invention] (a) Technical Field The present invention relates to an IC card transaction system consisting of an automatic transaction processing device and an IC card inserted into the automatic transaction processing device. The present invention relates to an IC card transaction system that allows operations performed on IC cards to be performed on IC cards.

(b) Summary of the Invention The IC card transaction system according to the present invention allows inputting transaction processing data, such as selecting a transaction type and inputting a transaction amount, to an IC card, which was conventionally done to an automatic transaction processing device. (transaction processing data receiving means), and the data is stored in the transaction processing data storage means. The automatic transaction processing device accepts the IC card and processes the transaction using the transaction processing data stored on the IC card, and only when there is transaction processing data not stored on the IC card, the automatic transaction processing device Now accepts direct input from.

This makes it possible to shorten the time the automatic transaction processing device is occupied per transaction, and
This allows the transaction details to be determined and changed at the time of the transaction (when the user goes to the automatic transaction processing device). Furthermore, by storing only a portion of the transaction processing data, safety in the event of loss is increased.

(c) Prior art and its drawbacks Automatic transaction processing equipment is used as an online terminal device directly operated by customers in financial institutions, etc., but in recent years, automatic transaction processing equipment has rapidly become multi-functional and can handle withdrawal transactions with a single device. In addition to processing, it is now possible to process deposits, check balances, enter passbooks, and transfer transactions. Along with this, users are required to perform operations such as selecting a transaction type, and the time required for one transaction tends to increase. Also,
In some cases, customers who are not accustomed to operating automatic transaction processing devices are unable to complete transaction processing on their own. As a result, the operating efficiency of automatic transaction processing devices has decreased, and staff have become necessary to assist users.

In order to solve these problems, the present applicant has already proposed a new transaction system using IC cards, which is currently being put into practical use, in Japanese Patent Laid-Open No. 196876. According to this, a user performs transaction processing operations conventionally performed on an automatic transaction processing device using an IC card equipped with an input means, and stores the input result transaction processing data in the IC card. I made it. When an IC card is inserted into an automatic transaction processing device, the automatic transaction processing device can process transactions based on data read from the IC card instead of accepting key input by the user. This allows each user to enter transaction processing data in advance into their own IC card, allowing reliable input without being subject to time constraints. Since transactions can be processed simply by inserting an IC card into the automatic transaction processing device, there is an advantage that the time the automatic transaction processing device is occupied by the transaction is shortened and the operating efficiency of the automatic transaction processing device can be improved. Furthermore, since the password, transaction amount, etc. can be entered in advance at another location, there is also the advantage that there is no risk of the password being tampered with by another person.

However, in the invention pertaining to the above-mentioned application, all transaction processing data had to be entered into the IC card in advance, so it was not possible to determine or change the details of the transaction at the time of the transaction. Furthermore, if an IC card containing all transaction processing data is lost, it can easily be used fraudulently by someone who finds it, posing a problem with the safety of deposits.

(d) Purpose of the Invention In view of the above-mentioned drawbacks, the present invention provides a system in which a part of the transaction processing data is input into an IC card in advance, and the remaining part is input directly into an automatic transaction processing device. An object of the present invention is to provide an IC card transaction system that can satisfy the degree of freedom of transactions at the point of transaction and the safety of deposits while maintaining a high operating rate of an automatic transaction processing device.

(e) Structure and Effects of the Invention The present invention provides a transaction processing data receiving means for accepting input of any part or all of transaction processing data used for each individual transaction processing including transaction type and transaction amount; An IC card having a transaction processing data storage means for storing transaction processing data inputted by the transaction processing data receiving means; and an automatic transaction processing device for accepting the IC card and processing the transaction. transaction processing data reading means for reading transaction processing data necessary at each stage from the transaction processing data storage means;
and an automatic transaction processing device having uninputted data receiving means for accepting input of necessary transaction processing data when the data is not stored in the transaction processing data storage means.

In the above configuration, a user who has an IC card inputs any part or all of the transaction processing data into the IC card in advance before going to the automatic transaction processing device and processing the transaction. When an IC card is inserted into an automatic transaction processing device at a financial institution, etc., the automatic transaction processing device reads transaction processing data from the IC card and processes each step of the transaction. When the data is warmed up, the input of that data is accepted. Once the customer enters this data, the transaction process is complete.

This allows the customer to directly enter only the final decision on the automated transaction processing device using keystrokes, allowing the transaction to be finalized at the time of the transaction in the minimum amount of time required (the amount of time the automated transaction processing device is occupied). It can be performed. Furthermore, by storing only part of the transaction processing data on the IC card, even if the card is lost, there is less risk of unauthorized use of the card, making deposits safer. It is also possible to ensure sex.

(f) Embodiment FIGS. 1A and 1B are diagrams showing the appearance of the front and back sides of an IC card 1 used in an IC card transaction system that is an embodiment of the present invention. The surface of an IC card has a magnetic stripe 16, which is used when processing transactions with a conventional magnetic card reader/writer.
is provided, and inside the card near this magnetic stripe is an LSI 1 that constitutes a microcomputer.
0 is built-in. On the surface of the card where this LSI is built-in, there is a contact point 11 for exchanging data, etc. with the IC card reader/writer of the automatic transaction processing device.
A flat battery 15 is built in the lower part of the inside of the card.

Further, on the back side of this IC card 1, an LCD dot matrix display 12 and a keyboard 13 are provided. The display device 12 consists of character displays for 10 characters, and each character display device has 5 characters.
It consists of ×7 LCD dots. This display displays a simple guidance display corresponding to the user's operation stage, input data, etc. Further, when this IC card is not used as a card for financial transactions, it can be used as a card-shaped calculator, and at that time, the display 12 displays the entered numbers and calculation results.

In addition, the keyboard 13 has an ON/OFF key, OPEN key
key, CE/C key, numeric keypad, ENT key, four arithmetic operation keys, YES key, NO key, etc. These keys are used to enter transaction processing data and also to process calculations as a calculator.

FIG. 2 is a block diagram of the control section of the IC card. The LSI10 has a CPU100 and a mask.
ROM 101, controller 10 of the contact 11
2 and an LCD driver 103 that controls the display 12. The controller 10
Contact 11 is connected to 2, and LCD driver 10
3 is connected to a display 12. Also CPU
100 has a keyboard 13 and external RAM
14 are connected. This RAM14 is battery 1
Backed up by 5.

Figure 3 shows the mask ROM 101 and RAM.
FIG. 14 is a partial configuration diagram of No. 14. The mask ROM 101 is set with a control program (M1) and a key code table (M2) that stores selections of processing functions corresponding to keyed-in numerical values and the like. Also
RAM14 stores card data (M3) consisting of bank code (M30), branch code (M31), account number (M32), PIN number (M33), deposit balance (M34), and validity code (M35). In addition to
A history of 100 transactions using this card is stored (M4). If the user selects the transaction history display function by performing a predetermined key operation, this transaction history data can be displayed on the display 12. Also
The RAM 14 is provided with a transaction processing data storage area (M5) that is an area for storing transaction processing data to be used for the next transaction. This transaction processing data storage area consists of storage areas for transaction amount (M50), transaction type (M51), transfer destination code (M52), transfer destination designation (M53), and transfer date (M54). Only the data necessary for the type (deposit/withdrawal, transfer, etc.) is stored.

FIG. 4 is an external view of an ATM used in the IC card transaction system. There is a vertical operation panel on the front of the device for inserting the IC card 1.
An IC card insertion slot 21, a bankbook insertion slot 22, and a magnetic card insertion slot 23 are provided. A banknote deposit/withdrawal port 24, a CRT 25, and a coin deposit/withdrawal port 27 are provided on the horizontal operation panel surface. CRT25 is this
In addition to displaying information such as ATM functions and operating procedures, it also displays input keys for customers to press. this
A transparent touch panel switch 26 is installed on the surface of the CRT 25 and detects pressing of various keys displayed on the CRT 25.

FIG. 5 is a block diagram of the control section of the ATM. The CPU 28 of the ATM 2 includes a ROM 29 that stores programs, etc., and a RAM that stores data, etc.
30 is connected and the interface 31
is connected. The interface 31 includes a display 32 including the CRT 25, a touch panel device 33 including the touch panel switch 26, and other ICs.
An IC card reader titer 34 that communicates data etc. with an IC card inserted into the card insertion slot 21;
A magnetic card reader 35 reads and writes the magnetic card inserted into the magnetic card slot 23, a banknote processing unit 36 processes banknote deposits and withdrawals, a coin processing unit 37 processes coin deposits and withdrawals, and transaction results include bankbooks and slips. A form processing unit 38 that prints data on the computer and a communication control unit 39 that communicates with the center are connected.

FIG. 6 is a flowchart showing the operation of the control section of the IC card.

Figure A shows the processing content selection operation. When the ON/OFF key of the keyboard 13 is pressed, power is supplied to the LSI, and the calculator function is started (step n1: hereinafter "step ni" will be referred to as "ni"). Next, when the OPEN key is pressed (n2), a message is displayed on the display 12 requesting input of a PIN number to permit acceptance of transaction processing data (n3). At n4, the input of the password is accepted, and it is determined whether the input password matches the password (M33) stored in the card data storage area (M3) (n5). If it doesn't match, n6
Then, it is determined whether this password input error is the third time by referring to the validity code storage area (M35). The validity code is a number that indicates the number of consecutive PIN input errors. If it is the third time or later, the card function will be locked and the operation will end (n7). If it is not the third time, display 12
An error is displayed (n8), and after the user confirms the input (by pressing the YES key) (n9), the process returns to n3. If it is confirmed in n5 that the input PIN numbers match, the process proceeds to n10, the mode is changed to transaction card mode, and a message is displayed on the display 12 requesting input to select the processing content (n11).
If a transaction code is entered (n12), the transaction code is checked in n13. If there is no corresponding transaction code, the process returns to n11 to prompt re-input, and if there is a corresponding transaction code, the process proceeds to the transaction processing data reception operation.

Figure B shows the transaction processing data reception operation when a transfer transaction is selected. First, a confirmation request for the selected transfer transaction is displayed in n20, and a confirmation input from the user is accepted in n21. If the user presses the YES key, the process advances to n23 and below, and if the NO key is pressed, the process returns to n11 (n22).

At n23, a request for inputting the amount to be transferred is displayed on the display 12, and at n24, a subroutine for accepting input of the amount to be transferred is executed. This input reception subroutine will be explained with reference to FIG. Next, a similar input request display and input reception subroutine is performed for the transfer destination date and transfer date (n25 to n28), and finally, the fee for this transfer is displayed (n29), and after confirming the fee, (n30) , n31), the input contents are stored in the transaction processing data storage area (M5) and the operation ends. If the NO key is pressed on n30,
Based on the judgment of n31, the process returns to n11 and the input is redone.

C in the figure shows an input reception subroutine. n40,
At n41, it waits until the ENT key or numeric keypad is pressed, and if the numeric keypad is pressed, it buffers the input numeric value buffer (n42) and returns to the standby routine again.

On the other hand, when the ENT key is pressed, it is determined whether or not the digit is stored in the numeric buffer (n43), and if the digit is stored, the transaction processing data is temporarily stored as transaction processing data. Store transaction processing data in the buffer and clear the number buffer (n44). If no numerical value is entered in the transaction processing data buffer, this transaction processing data is skipped without being input, that is, it is directly input into the automatic transaction processing device, and a skip code ( “×” etc.) is memorized (n45). next
This confirmed input data is stored in n46 and the user's confirmation input is accepted (n47). User says YES
Press the key to return to the main routine,
If the NO key is pressed, the buffered data in n44 will be cleared and the process will return to the standby routine in n40 and n41. The transaction processing data buffer has the same configuration as the transaction processing data storage area (M5).
The memory contents are moved by n32.

FIG. 7 is a flowchart showing the operation of the control section of the ATM. At n51 and n52, the process waits until an IC card is inserted or any key is pressed. When it is determined at n51 that the IC card has been inserted, the operation proceeds to transaction processing operations from n54 onwards, where the card data and transaction processing data stored in the IC card are read out and buffered in a predetermined area. Transaction selection subroutine (n55) based on the buffered transaction processing data, etc.
is performed, and the process branches to the transaction processing operation selected at n56. The transfer transaction processing operation will be explained below.
In the transfer transaction processing operation, the PIN input subroutine (n57), transfer amount setting subroutine (n58),
A transfer destination setting subroutine (59) and a transfer date input subroutine (n60) are performed. The transfer transaction is processed according to the transaction processing data set in these subroutines (n61).

Figure B is a flowchart showing the subroutine. First, in n65, the buffer in which the transaction processing data of the card has been read is referred to, and it is determined whether or not the corresponding transaction processing data is stored (n66).
When predetermined data is stored in the buffer, the data is set as transaction processing data in the corresponding subroutine (n68), and the process returns to the main routine. On the other hand, if the corresponding transaction processing data is not stored in the BATSUFA, the N67 can be used to store the CRT.
The input by pressing the key displayed at 25 is accepted, the input data is set as the corresponding transaction processing data (n68), and the process returns to the main routine.

The keyboard 13, n23 to n28, and the subroutine shown in FIG. 6C correspond to the transaction processing data receiving means of the present invention, and the RAM 14 and n32 correspond to the transaction processing data storage means of the present invention. Further, n54 and n65 correspond to the transaction processing data reading means of the present invention, and n67 corresponds to the uninput data receiving means of the present invention.

In this way, according to this IC card transaction system, any part or all of the data required for individual transaction processing can be stored in advance on an IC card, and by inserting this card into an ATM. Therefore, the data input operation performed on the IC card in advance can be omitted. As a result, it is possible to shorten the time that an ATM is occupied during a transaction, and speedy transaction processing is possible. This can improve the operating efficiency of ATMs and reduce the complexity of transaction processing operations that accompany the multifunctionality of ATMs.

In addition, any part of the transaction processing data
By storing information on the IC card,
Even if an IC card with transaction processing data set is lost, the person who finds the card will not be able to use it fraudulently, improving the security of deposits. In addition, by presetting transaction processing data that has already been determined and skipping content that cannot be determined until the actual transaction, the automatic transaction processing device can process any transaction in the minimum amount of time. can do.

This IC card is also equipped with an LCD display 12, and the past 100 transaction history data are stored in the memory, so this transaction history data can be displayed by performing a predetermined key operation. It can also be displayed on the display 12.

[Brief explanation of drawings]

FIGS. 1A and 1B are external views of an IC card used in an IC card transaction system according to an embodiment of the present invention. FIG. 1A shows a front view of the card, and FIG. 1B shows a back view of the card. FIG. 2 is a block diagram of the control section of the IC card, and FIG. 3 is a partial configuration diagram of the mask ROM and RAM built into the IC card. Figure 4 is an external view of the ATM used in the IC card transaction system, and Figure 5 is the ATM used in the IC card transaction system.
FIG. 3 is a block diagram of a control unit of an ATM. Also, the 6th
Figures A, B, and C are flowcharts showing the operation of the control section of the IC card, and Figures 7A and B are flowcharts showing the operation of the control unit of the IC card.
3 is a flowchart showing the operation of the control unit of FIG. 13...Keyboard, 14...RAM, 21...
...IC card insertion slot, 30...IC card reader/writer.

Claims (1)

[Claims] 1. Transaction processing data receiving means for receiving input of any part or all of transaction processing data used for individual transaction processing, including transaction type and transaction amount;
an IC card having transaction processing data storage means for storing transaction processing data inputted by the transaction processing data receiving means; and an automatic transaction processing device for accepting this IC card and processing transactions; transaction processing data reading means for reading transaction processing data necessary at each stage of processing from the transaction processing data storage means;
and an automatic transaction processing device having uninput data receiving means for accepting input of necessary transaction processing data when the data is not stored in the transaction processing data storage means. system.