JPH0659753B2 - Method for determining the effectiveness of operating media - Google Patents

Description

Description: FIELD OF THE INVENTION The present invention relates to a method for determining the effectiveness of an operating medium such as an IC card, and more particularly to a method suitable for taking measures against theft, loss, falsification and the like.

[Background of the Invention]

In an operating device such as an automatic teller machine, an operation is performed using a medium such as a magnetic card given to each user. The conventional method of recognizing whether a user is valid is to compare the data in the magnetic card with the information in the computer system, as described in JP-A-54-146942. However, the security is low when the magnetic card is illegally used.

[Object of the Invention]

An object of the present invention is to increase the safety of the operating medium.

[Outline of Invention]

The present invention is characterized in that the operation medium itself can determine the effectiveness.

Example of Invention

 An embodiment of the present invention will be described below with reference to FIG.

The IC card 1 includes a storage unit 1a, a processing unit 1b, a determination unit 1c,
It has a clock unit 1d and an interface unit 1e. Further, the terminal device 2 has a control unit 2a, a keyboard 2b, and the like.
For example, it is an automatic teller machine. Further, the computer 3 of the center has a customer's ledger file 3a and a random number code generation circuit 3b for taking out data from the ledger file 3a and generating a random number code. Also, although not shown,
The terminal device 2 has an IC card insertion slot, a display unit, and the like.

A customer who wishes to open an account fills in an address, name, telephone number, desired personal identification number, etc. on an application form in a predetermined format. In response to this application, the bank opens an account in the ledger file 3a of the computer 3 of the center and writes necessary data such as application data into the account. This ledger file 3
A random number code generation circuit 3b generates a random number code from various data written in the account of a, writes it in the storage unit 1a of the IC card 1 to be given to the customer, and also registers it in the account of the ledger file 3a. In the storage unit 1a of the IC card 1 to be given to the customer, the expiration date, the next transaction date, the transaction limit amount, and the purpose of use are further input and written into the storage unit 1a. The IC card 1 monitors the time with the clock unit 1d based on the written expiration date.
If the IC card 1 is not used by the expiration date, the expiration signal S ₁ is output from the clock unit 1d. When the processing unit 1b receives the expiration signal S ₁ , the valid bit is turned off.

A user who wishes to make a transaction inserts the IC card 1 into the IC card 1 insertion port of the terminal device 2 and inputs his / her personal identification number, intended use, transaction amount, etc. from the keyboard 2c. Determination unit 1c in personal identification number stored in the storage unit 1a, limited use, compared to the credit limit amount, correspondence does the transaction abort signal S ₂ taken outputted. In the processing unit 1b, the transaction stop signal S
_{When 2} is received, the valid bit is turned off. Further, the date of the day and the random number code taken out from the corresponding account of the ledger file 3a are sent from the computer 3 of the center to the IC card 1. The transaction possible date stored in the storage unit 1a in the determination unit 1c,
The random number codes are compared with each other, and if the correspondence cannot be obtained, the transaction stop signal S ₂ is output. Turns off the valid bit when receiving a processing unit 1b in transaction abort signal S _2. In the control unit 2a of the useful signal S ₃ received from the IC card 1, initiates the transaction if valid, to reenter if invalid or, IC card 1
Is captured and the reason is displayed visually.

When the transaction ends, the necessary data such as transaction data is stored in the storage unit 1a
Rewrite or update to the ledger file 3a
Update the relevant account of. The random number code generation circuit 3b generates a random number code from the account data of the ledger file 3a and writes it in the storage unit 1a of the IC card 1. Further, the user inputs the expiration date or the next transaction date, the transaction limit amount, and the limitation of the use from the keyboard 2b as necessary, and
It is also possible to reset in the storage unit 1a of the C card 1. The IC card 1 for which the setting has been completed is returned to the user.

According to the present embodiment, even if the IC card 1 is lost, if the set effect is lost, it has the effect of preventing the use by a third party, and the data stored in the storage unit 1a of the IC card 1 Since the data of the IC card 1 cannot be taken out unless the validity is confirmed by comparing the input data of the user and the data of the account file 3a, there is an effect of preventing tampering and copying of the IC card 1.

〔The invention's effect〕

According to the present invention, there is an effect of preventing unauthorized use by a third party due to loss or theft of an operation medium.

[Brief description of drawings]

 FIG. 1 is a diagram for explaining one embodiment of the present invention. DESCRIPTION OF SYMBOLS 1 ... IC card 1a ... Storage part 1b ... Processing part 1c ... Judgment part 1d ... Clock part 1e ... Interface part 2 ... Terminal device 2a ... Control part 2b ... Keyboard 3 ... Electronic computer 3a ... Account file 3b ... Random code generation circuit

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Claims (1)

[Claims] 1. A method for determining the effectiveness of an operation medium in a transaction using an operation medium, wherein a higher-order device holds account data and a random number code generated from the account data, and the higher-order device generates a random number from the account data. The code is stored in the storage unit of the operation medium, the random number code held by the host device at the time of transaction is taken out, and compared with the random number code stored in the storage unit of the operation medium in the operation medium. Then, the validity / invalidity is determined, the result is output from the operation medium, and the new host data is used by the higher-level device.
A new random number code is generated and stored in the host device, and also sent to the operation medium to update the random number code in the storage unit of the operation medium to the new random number code. Effectiveness determination method.