JPH0630120B2 - IC card trading system - Google Patents

Description

Description: (a) Technical Field The present invention relates to an IC card transaction system capable of conducting transactions using an IC card.

(b) Background of the Invention An IC card having a memory inside has a possibility of becoming widespread in the future as an intelligent card having its own processing capability. The IC card is greatly different from the conventional MS card (card having a magnetic stripe surface) in that the IC card itself has an intelligent function and can greatly increase the storage capacity.

(c) Object of the Invention The object of the present invention is to enable the IC card itself to store the operating procedure of the transaction processing device by utilizing the characteristics of the IC card as described above, and to trade the memorable operating procedure. It is possible to do many transactions with one IC card as multiple types for each type and for each bank, and it is possible to do transactions with multiple banks. Furthermore, at the time of transaction, necessary data can be selected from many operation procedures. An object of the present invention is to provide an IC card transaction system that can reduce the burden on the IC card side by performing the work to be performed on the transaction device side.

(d) Structure and Effect of the Invention In summary, the present invention stores a plurality of types of transaction data that can be written in an IC card by operating procedures such as ATM and access from an external data input device for each transaction type and each bank. A possible operation procedure table is further provided, and means for transmitting all the stored data of the table to the transaction processing device at the time of transaction is provided, and the transaction processing device performs a predetermined transaction from the stored data of the table sent from the IC card. It is characterized in that a means for selecting data is provided.

With this configuration, according to the present invention, one IC card can store a plurality of procedures, and one IC card enables transactions with a plurality of banks. It will be very convenient and useful for people and banks. Further, at the time of transaction, the IC card only needs to send all the data stored at that time to the transaction processing device, so that the software load on the IC card side is very light, and the memory is accordingly reduced. There is an advantage that the capacity is small and the cost is low.

(e) Example FIG. 2 is an external view of an IC card. Plastic I
An IC 2 is embedded inside the C card, and a plurality of connectors 3 connected to the IC 2 are exposed and formed on the surface of the card. An emboss is formed on the front surface, and a spare magnetic stripe 5 is formed on the back surface.

The IC 2 is, as shown in FIG. 3, a CPU 20 and a ROM 21 composed of an electrically writable and erasable EEPROM.
And a RAM 22 used for work. The CPU 20 receives power from the terminals C4 and C8 of the connector 3 and receives a clock from the terminal C6. Further, it receives a reset pulse from the terminal C7 and transmits data (serial data) via the terminal C2. Terminals C1, C3
C5 is a spare terminal.

FIG. 4 is an external view of a card holder which is an example of the external data input device. This card holder can receive the IC 2 and write transaction data in the ROM 21.

The card holder body 1 is made of plastic, and its size is substantially the same as that of the IC card. On the surface of the card holder body 6, a numeric keypad 7, a liquid crystal display 8, a solar cell 9
Is provided. The numeric keypad 7 is the ROM 2 of the IC card
It is used when writing transaction data etc. into 1. Display 8
Displays input data. The solar cell 9 constitutes a power source for the card holder itself, and further supplies power to the IC card when the IC card is stored. An IC card insertion slot 10 is provided on the side of the card holder body 6. The IC card is inserted from the IC card insertion port 10 and inserted inside. A storage portion for storing the IC card is provided inside the card holder body 6, and a contact terminal for contacting the terminal 3 of the IC card is further mounted in the storage portion.

FIG. 5 is an internal block diagram of the card holder. The contact terminal 30 has the same configuration as the terminal of the connector terminal 3 of the IC card. The solar battery cell 9 is connected to the contact terminals C4 and C8, and the CPU 31 receives power supply from the pins connected to the contact terminals C4 and C8. A clock circuit 32 is connected to the contact terminal C6, and the CPU 31 receives a clock from a pin connected to the connection terminal C6. C
The PU 31 further sends a reset pulse from the contact terminal C7. In addition, serial transfer of data is performed between the IC cards via the contact terminal C2. Reference numeral 33 is a ROM that stores a program that defines the operation procedure of the card holder, and 34 is a RAM that includes a data work area and the like.

FIG. 6 is a schematic external view of an ATM (Automatic Teller Machine) equipped with an IC card reader. CRT2 that displays messages (operation procedures, etc.) on the front of the main body 23
4. Input key 25 for inputting numerical values required for transactions, IC
IC card insertion slot 26 for inserting cards, passbook insertion slot 2
7. Banknote insertion slot 28 for inserting banknotes in the deposit mode,
There are provided a bill outlet 29 for receiving bills in the payment mode, a call button 30 for calling a clerk in the event of an abnormality, and a clerk key 31 that can be operated by the clerk.

FIG. 7 is a block diagram of the ATM control unit. The main controller 11 includes an IC card reader 12, a CRT controller 13,
It controls the key control unit 14, the passbook printer 15, the banknote loading / unloading control unit 16, and the line control unit 17, respectively. Each element is divided into blocks and constitutes a master-slave control system together with the main controller 11. The IC card reader 12 accesses the IC card input from the IC card insertion slot 26 and reads / writes operation procedures, transaction data, and the like. The CRT controller 13 controls the display of the CRT 24.
The key control unit 14 receives the input data operated by the input key 25 and sends it to the main control unit 11. Passbook printer 15
Prints transaction data and the like on the passbook inserted into the passbook insertion slot 27, and also reads the record data of the passbook. The banknote pay-in / pay-out control unit 16 controls the pay-in of the banknote inserted into the banknote insertion slot 28 and the payout control of the banknote to the banknote ejection slot 29. The line control unit 17 controls transmission with a center having a large capacity data file.

FIG. 1 is a partial configuration diagram of the ROM 21 included in the IC 2. BF constitutes an input data buffer. The input data includes, for example, a transaction type and a bank number. In the example shown in the figure, input data with a transaction type of 1 and a bank number of 1234 is stored. Area IM constitutes the bank operation procedure table index. 1234,234
Each serial number of 5,3456 is a bank number. In the case where the bank number is 1234, the first address stored in each procedure is sequentially stored so that procedure 1, procedure 2, and procedure 3 are executed respectively. Similarly, the bank number is 3456
In the case of, the start addresses of the areas for storing steps 6 and 7 are stored in order. Area MA constitutes an operation procedure table that stores operation procedures of the transaction processing apparatus and transaction data. The operation procedure is stored in order from Step 1,
The start address of each procedure is stored in the table index IM in association with the bank number as described above. a to i are operation procedures, and A to C are transaction data. Transaction data A ~
C can be written with the card holder described above. Further, the procedures a to i are automatically written from the center via the ATM. The transaction data is written under the control of the IC card itself as described later. In the example shown in the figure, transaction data corresponding to each of the operation procedure “press encryption” of d and the operation procedure “press money” of e are not stored. Further, the transaction data corresponding to the procedure “Press the transfer destination” of step f is 1234567, but this transaction data is indicated by * (fixed information mark) added to the operation procedure storage field to indicate that it is fixed information. .

8A and 8B are flowcharts showing the operation of the IC card.

When the IC card 1 is inserted into the card holder body 6 or the card reader 12 of the ATM and a start command is input from the key 7 or 25, step n1 (step ni)
Is simply referred to as “ni”) to n2. The input data is passed to the IC card as it is, and the IC card determines whether the input data is the input data from the ATM or the card holder. Since the ID number of the ATM or the card holder is added to the input data, the IC card knows which the input data is by checking the IC number.

When the input data is the data from the card holder, the process proceeds from n2 to n3. In the case of n3 or less, transaction data is set in the operation procedure table MA from the key 7 of the card holder. First, when the transaction type and bank number data are input to the buffer BF in n4, the operation of the enter key is awaited and the process proceeds from n5 to n6. At n6, a predetermined address of the operation procedure table based on the data input to the buffer is set in the pointer. For example, when 11234 is input in the buffer BF as shown in FIG. 1, the pointer is set to the address storing "press the code" in the procedure 1. Next, in n7, the contents of the operating procedure of the address designated by the pointer are displayed, in n8 it is determined whether or not a fixed information mark (*) is added to the operating procedure, and in n9 the pointer is designated. It is determined whether the transaction data corresponding to the operation procedure has already been entered. N if a fixed information mark is added
In step 17, the pointer is advanced by 1 to update the operation procedure table address. That is, in the above example, the address set in the pointer is the address of the area in which "press the amount of money" is stored. In n18, it is determined whether or not the content of the address designated by the pointer is "END". If not, n7 and subsequent steps are executed again. If it is "END", the process ends at that point. If there is no fixed information mark in n8 and n9 and there is no input data, the process proceeds to n14. In this case, the key input data is stored as it is in the transaction data storage area corresponding to the operation procedure currently designated by the pointer (n15), and the operation waits until the enter key is pressed (n16) to proceed to n17. If there is no fixed information mark in n8 and n9 but there is input data, the process proceeds to n10 to display the already input data. At this point, the operator will be asked if the entered data is acceptable. If the operator decides that is okay, the operator depresses the key marked with *. This key is included in the input key 7 of the IC card holder. n12
If it is determined that the * key has been pressed, the process proceeds to n17 to move to the process for the next operation procedure. * If the key is not n1,
3, the newly input data is replaced with the input data displayed in n10 and stored. The following n14 to n16 are executed, the data from the input key is stored in the same address until the enter key is operated, and the process proceeds to n7 when the enter key is operated.

As described above, desired transaction data can be written in the transaction data storage area having no fixed information mark. If the entered data is already stored,
* You can save the data just by operating the key.

It should be noted that it is not the IC card but the display 8 of the card holder that displays the data in n7 and n10.
The IC card only sends its display data to the card holder.

Next, the flowchart shown in FIG. 8B will be described. If the data input in n1 is the input data from ATM, the process proceeds from n2 to n20, and FIG. 8 (B)
The flowchart shown in is executed.

[Description of Features of the Present Invention]

First, the transaction type data of the first procedure among the procedures stored in the operation procedure table MA is transmitted to the ATM (n21). Each procedure (procedure 1 in the example shown in FIG. 1)
~ Transaction type data is assigned to each of the procedures 7). For example, if the transaction type data in step 1 is 1, the transaction type data transmitted to the ATM in n21 is 1.
Becomes Subsequently, at n22, the operation procedure table M is pointed to by the pointer.
Set the address of A. That is, the start address of the procedure transmitted to the ATM is set in the pointer. n23
Then, the transaction data corresponding to the operation procedure set in the pointer at that time is transmitted to the ATM. For example,
Assuming that the address of the operation procedure “press encryption” of the first address of procedure 1 is set in the pointer, data 1234 is transmitted. At n24, it is determined whether the transaction data is data with a fixed information mark *. Otherwise, the input data transmitted in n25 is deleted. This is done to increase the security of transaction data. If the data has a fixed information mark, proceed to n26 without erasing the data,
Update the pointer to the address of the next operating procedure. n27
Then, it is determined whether the operation procedure is END. If not, the process proceeds to n23 again, and the transaction data is transmitted to the ATM. When the operation procedure becomes END, the process proceeds to n28. n
When proceeding from 27 to n28, it is when the procedure shifts to the next procedure (for example, when shifting from procedure 1 to procedure 2). n28
Then, set the start address of the next procedure to the pointer. n
29, the operation procedure of the address set by the pointer is E
Determine if it is ND. The procedure itself is END
If so, proceed to n30. Otherwise, n23 is executed again. In the example shown in FIG. 1, the procedure 3 is END. As shown in this example, the last procedure among the procedures sequentially stored in the index IM for each bank represents END. Therefore, in the illustrated example, step 3, step 5
And the procedure 7 is END.

At n30, it is determined whether the data transmission for all the procedures is completed. That is, it is determined whether or not the transmission of all transaction data stored for each bank has been completed. If the process proceeds from n29 to n30, it means that the transaction data transmission of the procedure corresponding to one bank has been completed. move on. If not, n21 and subsequent steps are executed again to transmit the transaction data for the next bank. When transmission of all transaction data in the table MA is completed in this way, the process proceeds to n40.

[Operation after sending transaction data]

At n40, the next data input is awaited, and at n41, it is determined whether or not the input data is an operation procedure load request sent from the center via the ATM. Otherwise it ends. If an operation procedure load request is made, the process proceeds to n42, where the operation procedure sent from the ATM side is set in the table MA.
Processing for storing in. It is judged in n43 whether the procedure sent first is already stored. In the example shown in FIG. 1, since steps 1 to 7 have already been stored, if there is a procedure number other than this, the procedure proceeds to n44 as a new procedure number. A new procedure No.
Whether or not the transaction processing data is new is determined. If it is a new procedure, a new address of the operation procedure table MA is set to the pointer in n44, and the data sent in n46 is stored in n48. The data sent here is data indicating an operating procedure, and is operating procedure data stored in the areas a to i shown in FIG. The head address of the new procedure storage area is stored in the area for the bank currently trading in the table index IM. N4 until the input data becomes ETX (data indicating the end)
Repeat 6 to n48, and end when ETX is input. If there is already a procedure number in n43, the process proceeds to n45, and the start address of the existing procedure number is set in the pointer. Subsequently, the data successively sent at n46 to n48 are stored until ETX is sent. That is, in this operation, the procedure is updated.

[Description of Features of the Present Invention]

 FIG. 9 shows a part of the operation on the ATM side.

First, wait until the IC card is set at n50, and when it is set, wait for input of transaction type and bank number with the input key. After these data are input, n52
The operation procedure of the IC card reads all transaction data from the cable MA. At this time, the IC card executes the above n21 to n30. When the reading of all transaction data is completed, the process proceeds from n53 to n54, and it is determined whether or not there is data corresponding to the transaction type and bank number input in n51. If not, the process ends, and if there is n55, the retrieved data is set in a predetermined area, and thereafter, the trading operation is started based on the data.

As described above, the IC card side unconditionally transmits all the stored data, and the ATM side retrieves the necessary data from the transmitted data and uses it for the transaction.

Although the card holder is used as the external data input device in this embodiment, a data input device such as a personal computer can also be used.

[Brief description of drawings]

FIG. 1 is a diagram showing an operation procedure table stored in an IC card, FIG. 2 is an external view of an IC card, FIG. 3 is a block diagram of an IC, FIG. 4 is an external view of a card holder, and FIG. Block diagram of the card holder, FIG. 6 is an external view of the ATM, FIG. 7 is a block diagram of the control unit of the ATM, FIG. 8 (A),
(B) is a flowchart showing the operation of the IC card,
The figure is a flowchart showing a part of the operation on the ATM side. MA: Operation procedure table.

Continuation of front page (51) Int.Cl. ⁵ Identification code Office reference number FI Technical display area G07F 7/08

Claims (1)

[Claims] 1. An IC card having an internal memory, and a transaction processing device having a card reader connected to a center for reading and writing data to and from the IC card, wherein the memory is an operating procedure of the transaction processing device. And an operation procedure table capable of storing a plurality of types of transaction data that can be written by accessing from an external data input device for each transaction type and for each bank, and storing the table in the transaction processing device during a transaction. An IC card transaction system comprising means for transmitting all data, and the transaction processing device comprising means for selecting predetermined transaction data from stored data in the table transmitted from an IC card.