JP2001283122A - Transaction system using smart card, and smart card used for the system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction system for disclosing individual information to a necessary level at the time of disclosing individual information by applying a smart card for a multi-application, and to provide the smart card to be used for the system. SOLUTION: In this transaction system for a multi-application capable of obtaining plural service provides by using the smart card various individual information is stored in the memory of the smart card to be hierarchized, and the individual information in the prescribed hierarchy is disclosed to a trader or a service provider according to the contents of a transaction or a service to be provided so that transaction can be performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a smart card transaction system and a smart card used for the same. Specifically, in a transaction system for a multi-application smart card that can provide a plurality of services, a transaction system in which personal information is hierarchized and held by the smart card and the personal information is disclosed according to a necessary hierarchical level, and Regarding the smart card used.

[0002]

2. Description of the Related Art Techniques for enabling a plurality of applications to operate on a smart card include MultiOS and Java.
Traditionally as seen in aCard. However, when applying these multi-applications, a plurality of transaction contents coexist, and the disclosure level of the personal information required of the card user is different, so that personal information is stored in the memory at a uniform level as in the past. If this is done, all personal information will be disclosed in all transaction services, which will cause problems. That is, for example,
In the case of lending a video cassette, there is usually no problem as long as the name and address are proved, but in the case of a large credit transaction, proof that there is a certain annual income may be required. In this case, in the case of a card whose annual income is disclosed because it can be applied to credit, it is inconvenient for an individual to disclose the annual income using the same card for renting a video cassette.

On the other hand, in recent years, checks via a personal credit information organization include CAFISNET and CATNET2.
Authorization and switching centers and dedicated lines are used by credit card companies and personal credit information organizations (objective occurrence information based on consumer credit transactions (transaction results) and objective attribute information of consumers (name, address, office, Organization or agency that collects and provides litigation)
An online authorization system using a communication line is running on the network with the Internet. In particular, these online authorization systems have been developing remarkably in recent years with the spread of credit cards. In particular, credit is carried out using a dedicated line each time a credit card with a certain amount of money or more is used, and the number of times the current system is used tends to increase as the amount of money used increases.

The online authorization service using these communication lines constitutes a basic network including a telephone network and a packet switching network centering on the above-mentioned CAFINET and CATNET, and a credit card company and a large member store's own network. Are connected to form a huge network with a nationwide scale. However, while these services have the effect of preventing unauthorized use, etc., they also have dedicated terminals or high-performance POS with a credit function.
It requires handsets and imposes an overwhelming burden on merchant operations and economics. Also, credit line call charges,
Includes issues such as the burden of fees and delays in referral time.

[0005] Further, with the development of network technology, various services such as a point card system have been developed in parallel with these settlement systems. The purpose is to allow service providers to analyze personal preferences and purchasing habits based on personal attribute information (described later), and use them for planning, development, and sales promotion of products and services. However, on the other hand, the importance of privacy protection is being discussed with respect to disclosure of information, and there is a security demand for individuals (card holders) transmitting information in the future to select and restrict information to be disclosed. In the related art, the disclosure of the personal information is managed on the database side, and the management of the management cost and the use information are all managed by the backyard system as a database. For example, a credit card company registers and examines a database at the stage of application, and after credit card issuance is used together with credit information in a credit process. Further, in the point card, information of an application filled in by an individual is used as attribute information, and is used as basic information for purchasing tendency analysis by ID number management.

[0006]

In the conventional management using a database, not only the management and operation costs of the database are required, but also the utilization of the analysis information required by the service provider is held in the database. Waiting for the results in the backyard database system made it difficult to use responsive sales promotion strategies and timely service provision. Also, since personal information is centrally managed on the database side, the disclosed information is uniform and it is not possible to change the level of information disclosure according to the frequency of use of the card, the amount of use, the time, the place, etc. It was possible. Further, there is a problem that it takes time since the change of personal information requires a centralized change on the database side.
The present invention is intended to solve such problems as privacy protection and utilization of responsive analysis information.

[0007]

A first aspect of the present invention for solving the above-mentioned problems is a transaction system in a multi-application smart card capable of providing a plurality of services, wherein a smart card memory is provided. A smart card in which various types of personal information are stored in a hierarchical state, and a transaction is performed by disclosing personal information of a predetermined level to a trader or a service provider according to the contents of a service to be provided or provided. Trading system. Because of such a transaction system, it is possible to appropriately protect the privacy of individuals and conduct transactions without errors.

A second aspect of the present invention for solving the above-mentioned problem is a smart card used for a multi-application capable of providing a plurality of services, wherein various types of personal information are hierarchically stored in a memory of the smart card. A smart card, which is stored in an encrypted state,
It is in. Because of such a smart card, it is possible to appropriately protect the privacy of an individual and make a transaction without error.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Before describing the system of the present invention, a current credit card settlement composition will be described. FIG. 7 is a diagram showing a current credit card settlement composition. In FIG. 7, [1] is a contractor who uses a smart card and is an individual who can be expressed as a user or a consumer. [2] is a system member store, [3]
Is a credit card company, and [4] is a financial institution (A
And [5] are personal credit information agencies. Consider the case where a transaction occurs in this transaction composition. When the contractor [1] intends to purchase goods or receive services at the store of the member store [2], he designates the goods and services, presents a credit card, and presents the credit card on the bill. Sign (1). On the other hand, the merchant provides the contractor with goods or services (2). The transaction with the contractor is temporarily terminated in this situation, but after that, a sales slip is sent from the member store [2] to the credit card company [3] (3), and the sales from the credit card company [3] are made. The payment notice is sent to the member store [2] (4).

The credit card company [3] transfers the sales proceeds to the financial institution (company A) [4] (5), and the financial institution (company A) [4] transfers the sales proceeds to the member store [2]. Is paid (6). Next, the credit card company [3] sends a usage statement to the contractor [1] (7). When the contractor [1] has a shortage in the balance of the deposit, the contractor [1] proceeds to the financial institution (A). The company (4) makes a shortage payment (8). The credit card company [3] issues an automatic debit request to the financial institution (company A) (9), and an automatic transfer is made to the credit card company (1).
0).

[0011] In the above process, if the transaction is more than a certain amount, the member store [2] will contact the affiliated personal credit information agency [5] before offering goods or services to avoid risk. Then, in order to confirm whether or not the credit can be obtained, an inquiry about the personal credit information of the contractor [1] is made (11). Various problems, such as the time required to inquire about the credit information and the effect on the cost, are as described above. Further, in this transaction structure, in order to maintain high accuracy of the information provided from the personal credit information agency [5], each individual information of each individual is mutually provided from each credit information agency to another information agency. Has been. Of course, private personal information is provided only for the content that the applicant has agreed to by contract. Of these pieces of information, the risk information described below is particularly important.

Here, the personal credit information provided to each member store basically consists of the following information. (1) Attribute information Information for identifying a contractor, (1a) name, (1b)
Address, (1c) age / birth date, (1d) contact information (phone number, web address), (1e) hobbies and preferences, (1f)
Family composition, (1g) occupation / workplace, (1h) post, (1
i) Annual income, etc.

(2) Personally disclosed information Generally, confidential information, which is information obtained by disclosure or will of the contractor, including (2a) person evaluation / payment intention, and (2b) Solvency, (2c) assets, (2d) collateral, (2e) other loans and other liabilities,
(2f) Other personal disclosure information, etc. They are,
Since the information is mainly provided by the individual contractor, it is necessary to confirm that the information is not false information. Further, even when information is not provided from an individual, an estimated numerical value is often used because a credit limit is required to be set.

The above-mentioned attribute information and personal disclosure information are the contents to be entered in the contract (application form) at the time of contract, and based on the contents, a table called a scoring sheet with particular emphasis on personal disclosure information. Is created. Specifically, annual income 50
10 points if the price is over ¥ 100,000, 1 if the price is less than ¥ 2,000,000
Each company has know-how such that scores are totaled for each item such as points, and no contract is concluded if the score is less than a certain number.

Next, in order to check the past payment status of the customer and the current payment amount, the customer list of the company is compared with an external personal credit information agency. This is because past transactions are checked against the company's own list, and if there is a fact that payment has been made, it is highly likely that payment will be made in the future. The reason for checking against personal credit information agencies is to refer not only to the company's own transaction history, but also to the status of transactions at other companies. Such credit information includes occurrence information and risk information as described below.

(3) Occurrence information Information relating to the occurrence of a transaction. (3a) Information generation date, (3b) Purchased product and service name, (3c) Payment count, (3d) Loan amount, (3e) Remaining Bonds, etc. (4) Risk information Risk information is information relating to the risk of a credit contract and information directly affecting credit. This is a factor that greatly affects the evaluation value. These are official documents and information, such as (4a) disappearance record and (4b) bankruptcy declaration. Other types of accidents, (4c) Reason for payment accident, (4d) Reminder, (4e) Number of past due months, (4f) Loan default,
And so on. If the disappearance record or bankruptcy declaration is clear, the evaluation value must be 0. Bad debts and frequent dunning also have a significant effect on the evaluation value.

The record of disappearance and the declaration of bankruptcy are publicly announced. On the other hand, there are private institutions as personal credit information institutions, such as the Japan Credit Industry Association, Japan Credit Information Center, and the Japan Credit Sales Association. Information on these agencies is available from CATNET, CAFI
It is provided to credit companies by SNET.

Hereinafter, the transaction system of the present invention will be described. The above various information on individuals, (1) attribute information, (2) personal disclosure information, (3) occurrence information, (4)
Risk information is collectively referred to as "personal credit information". (3) Occurrence information and (4) risk information are not publicly disclosed by individuals but information obtained through public or business processes. It does not require individual consent.
However, since (3) occurrence information and (4) risk information serve as good credit for dealings as credit information, a trader or service provider can use it freely with the approval of the information provider.

Therefore, in the transaction system of the present invention,
First, (1) attribute information and (2) personal disclosure information are layered and recorded. FIG. 1 is a diagram showing an example in which personal credit information is hierarchically recorded in a memory. In the hierarchy A, (1a) name and (1b) address are targets, and information recorded at the address m101 is disclosed. In the hierarchy B, (1a) name, (1b) address, (1c) age and date of birth, (1d) contact information, and the address m10
1, information recorded in m102 is disclosed. Further, in the hierarchy C, (1a) name, (1b) address, (1c) age and date of birth, (1d) contact information, (1e) hobbies and preferences, (1e)
f) Family structure is targeted, and addresses m101 and m10
2, information recorded in m103 is disclosed. Further, in the hierarchy D, (1a) name, (1b) address, (1c) age and date of birth, (1d) contact information, (1e) hobbies and preferences, (1e)
f) Family structure, (1g) Occupation / workplace, and so on are subject to disclosure, and addresses m101, m102, m103,
The information recorded in m104 is disclosed. Further, in the hierarchy E, (1a) name, (1b) address, (1c) age /
Date of birth, (1d) contact information, (1e) hobby preferences, (1
f) Family composition, (1g) Occupation / workplace, (1h) Title,
(1i) Address m10 whose annual income and up to the disclosure target
Information recorded in 1, m102, m103, m104, and m105 is disclosed. However, the above is merely an example, and other combinations are also free.
Other personal information elements may be required.

In the disclosure of Hierarchy A, the target of the transaction is lending of inexpensive articles or transactions, such as lending of video cassettes and inexpensive books. Since reservations for reserved seats and accommodations require contact information, disclosure on the level B or so is required. It is considered necessary to disclose up to Tier E for the purchase of credit for a large amount of merchandise for security of transactions. However, this disclosure level approval is based on the contract between the individual and the trader or the service provider. When disclosing the contents with high privacy protection as shown in the layer E, the service provider browses the contents without permission. In order to prevent such a situation, it is necessary to take a measure that allows the user to browse by inputting an individual disclosure approval code. By enabling transactions according to the hierarchy level in this way, transactions that were previously limited only to the credit company that issued the card and the individual concerned can be changed to another if the approval of the card user is obtained. There is an advantage that it can be used for credit transactions and other simple transactions at any time.
Further, there is an advantage that the analysis information of the customer can be immediately performed without relying on the backyard institution from the personal information obtained by the trader or the service provider.

An evaluation value of personal credit information can be set in the smart card. For example, an evaluation value obtained by comprehensively evaluating the personal credit information of the contractor at the beginning of setting the contract is defined as an initial evaluation value Vf. In this case, the initial credit limit (Lf) of the contractor within a certain period, that is, the credit limit for one month, for example, can be expressed as a function of the initial evaluation value. (Lf) = F (Vf) Also, assuming that the evaluation value of personal credit information taking into account newly generated information and risk information after the conclusion of the contract is Vr, the subsequent credit limit (Lr) is expressed by the following function: Can be represented. (Lr) = F (Vf, Vr) In calculating the credit limit (Lr), how to evaluate Vf and Vr depends on the know-how and business policy of each credit card company, and does not consider Vf at all. It may be possible.

The calculation of the credit limit is performed by Vf or Vr
Any element that can be calculated as an element may be used.
It may be a simple one such as adding an element calculated from f or Vr, multiplying it, multiplying a fixed amount by Vf or Vr, and adding a certain amount, and using various functional expressions. be able to. As an example, if the monthly average income is 500,000 yen, the credit limit / month = 250,000 yen when Vf = 0.5, and Vr = 1 when there is one delinquent accident
If 0.4, the credit limit after an overdue accident is 25 x 0.
4 = 100,000 yen / month.

Next, the processing procedure of the transaction system of the present invention will be described. FIG. 2 is a diagram showing a smart card issuance processing procedure. First, when a contract application for a credit card or the like is made (S1), the contractor (application form) is requested to fill in the attribute information and the personal disclosure information of the contractor (S2). It is necessary to confirm that there is no false disclosure in the personal disclosure information. Next, a personal credit check of the applicant is performed (S3). The credit check is performed by receiving credit information from an external affiliated personal credit information agency or the like (S
4). Personal credit bureaus usually accumulate and hold publicly disclosed information and personal information from independent surveys and can obtain information about most applicants. Comprehensive scoring of the applicant's personal credit information is performed in consideration of the personal credit information obtained from an information agency or the like (S
5). Finally, a credit judgment is made as to whether or not the evaluation value meets the criteria of the credit company (S6). If the personal credit does not meet the standard, it is determined that the contract is rejected (S7), and the contract is not established. If the judgment meets the criteria, the contract is concluded (S8), and the initial evaluation value Vf of the personal credit information is determined. The initial evaluation value Vf is recorded on the smart card IC chip and the card is issued (S9).

At the time of issuing a card, the attribute information and the personal disclosure information are recorded in the memory in the above-described hierarchy of FIG. In order to make the disclosure level variable according to the content of the transaction, at the time of the transaction, for example, by inputting the disclosure level code following the identification code input by the user, the personal information required by the service provider is disclosed. The service provider can then record the contents.

FIG. 3 is a diagram showing a recording procedure of the personal credit information evaluation value fluctuation of the smart card. If the contractor has made a credit contract with the purchase of goods and the provision of services (S1
1) Then, the credit company issues a sales payment notice to the member store (S12), and the financial institution (company A) pays the sales price. A request is made to the contractor (S1
3) Payment is confirmed whether or not payment has been made (S1).
4). If there is no payment, the user is urged (S1
5) Further, the presence or absence of a default is confirmed (S16). If there is a default, a default process is performed (S17).
If there is no default, you will be charged again. If there is a payment in S14, payment processing is performed (S18), and it is confirmed whether or not the payment has been completed (S19).
20). If it has not been paid, you will be charged again.

In this process, the reminder or bad debt that occurred in the credit card company member store is determined by the member store P
The evaluation value (Vr) is input to the OS terminal and recorded on the IC chip of the smart card at the time of the first transaction. The same processing is performed for information obtained from an external personal credit information agency, and the smart card IC
Recorded on the chip. If there is a bankruptcy declaration / disappearance record (S21) or if payment is overdue or defaulted (S2)
2) Scoring is performed in consideration of the information and information generated in the transaction at the credit card company member store (S23), the evaluation value is recorded in the memory of the IC chip, and the subsequent transaction is stopped. Or be restricted.
As a result, it is possible to ensure the safety of credit transactions by referring to transaction accidents that occurred at places other than the credit company member store. Although the scoring at this time may be referred to as scoring, in practice, a large number of risk information rarely occur at the same time, so that information contents are evaluated and input individually. In addition, bankruptcy declaration, disappearance record, payment delinquency,
If there is no fact such as a loan failure, the investigation will be continued (S24). What kind of evaluation value (Vr) the facts such as bankruptcy declaration, disappearance, loan default, payment delinquency, and payment urge as described above also depends on the know-how and business policy of each credit company.

Next, the operation of the transaction system of the present invention will be described. FIG. 4 is a block diagram showing an outline of the transaction system, and FIG. 5 is a flowchart for explaining the operation of transaction data and a smart card. In FIG. 4, 21 is a host computer of a member store, 22 is a terminal such as a POS, 11
Is a smart card used by a contractor (user).
The host computer 21 of the member store is connected to the external personal credit information agency 5, and necessary information is provided via the host computer 21, and the information obtained by the host computer is immediately recorded in each POS terminal. Each POS terminal is distributed and installed in each member store.

In this system, when the contractor 1a transacts at the terminal 22a, the transactor or the service provider informs the user of the required disclosure level. The user
Following the input of the PIN code of the card, necessary information is displayed, for example, by inputting a disclosure level code,
The trader or service provider can use the information. The system according to the present invention is characterized in that information is obtained only when the personal credit information of the contractor is changed, instead of constantly connecting to the external personal credit information agency 5.

In the case where the contractor 1a is a party who has caused a bad debt in a transaction of another credit card company, a new evaluation value obtained by scoring credit information provided by an external personal credit information agency 5 ( Vr) is PO
Since it is recorded on the S terminal 22a, it is recorded on the IC chip memory of the card when the contractor 1a inserts the smart card 11a into the terminal 22a. Therefore, the credit limit calculated based on the new evaluation value is changed, and reckless transactions can be prohibited. The same is true for late payments, but bankruptcy or disappearance usually results in suspension. The rating is not only a negative rating, but also can be added to a policyholder who has gained credit over many years of transactions.

In an actual transaction, as shown in FIG. 4, the smart card contractor 1a inserts the smart card 11a into the POS terminal 22a in an attempt to purchase a target product, and the type of transaction and the amount of the price in the transaction. Is input to the POS terminal 22a. Thereby, the POS terminal recognizes the identification code of the smart card 11a, the transaction type, and the price. Further, the terminal may display disclosure information required according to the type of transaction. As a result, the terminal user enters the disclosure code. If the input identification code is not an identification code instructed by the host computer to rewrite the evaluation value (Vr), a normal transaction is started based on the initial evaluation value (Vf) and the evaluation value should be rewritten. If so, the above processing is performed.

The transaction data and the operation of the smart card are as shown in FIG. The smart card 11a receives, from the POS terminal device 22a, transaction history data on transaction date and time, terminal ID, transaction code, and product / service code. The smart card 11a can also acquire data on the transaction amount entered by the user into the terminal device. In the above, the transaction date and time is the date and time when the user inputs the transaction amount into the POS terminal. Such transaction date and time can be used as a time reference element of a credit cycle when a credit limit is aggregated within a certain period. In addition, in the case of a stolen smart card, etc., it is usual to concentrate on time because the stolen person makes a transaction in a short time. It can also be.

The smart card 11a reads each transaction date and time and transaction amount recorded on the card, and first checks whether or not the transaction is within a predetermined credit cycle.
If the transaction is not within the credit cycle, a transaction rejection signal is issued (S51). Next, based on the credit parameters, a credit check, that is, a credit check is performed to determine whether, for example, the transaction amount in the last one month does not exceed the credit limit within the period. If the credit limit for one month is (Lf) and the total transaction amount obtained by adding the new transaction amount exceeds (Lf), a transaction rejection signal is issued (S52). The POS terminal 22a that has received the rejection signal disables the use of the smart card. When the credit limit is based on the updated personal credit information evaluation value (Vr), the credit limit (Lr) taking into account the evaluation value is calculated, and the credit inspection is similarly performed based on the calculated credit limit. If the credit limit is exceeded, the smart card cannot be used.

On the other hand, if the calculated value of the accumulated amount is within the credit limit, the smart card uses the current transaction data as EE.
The data is recorded in the PROM and the data is updated. At the same time, the number of times of use can be checked to check whether the purchase history and the purchase history are not abnormal. The number of times of use is also recorded in the EEPROM to update the data. Thereby, the transaction amount and the number of transactions within a certain period (for example, within 3 hours) are cumulatively calculated, and if the transaction amount exceeds the purchase inspection parameter, a transaction rejection signal is issued (S53). If the credit inspection, the purchase history, etc. are appropriate, the transaction requested by the user is approved, and the IC card 11a transmits the transaction date and time, the terminal ID, the transaction code, the product / service code,
Acquire transaction data such as transaction amount. Since the level of personal information to be disclosed is specified by this transaction code, the terminal user proceeds with the transaction by entering the required disclosure code unless hesitating to disclose the personal information. , Refuses to disclose and suspends the transaction (S5)
4). By inputting the disclosure code, the necessary range of personal information is disclosed. As a result, a predetermined transaction is made, and the accumulated amount is updated.

As described above, the user can select whether to disclose personal information or to refrain from disclosing it according to the level of disclosure of personal information requested from the terminal. Privacy can be properly protected without being protected. In addition, the mart card 11
Since it is possible to independently determine whether to permit or prohibit transactions based on various data stored in its own memory, there is no need to contact an external personal credit information agency for each transaction Therefore, it is possible to carry out transactions quickly, and it is possible to reduce communication costs and fees with personal credit information agencies.

FIG. 6 is a block diagram showing the configuration of the smart card. In FIG. 6, the smart card 11
This is a card with a built-in integrated circuit (IC chip). A central control unit (CPU) 111 controls the operation of the card. Data communication with the terminal device is performed via the I / O 115. The ROM 112 is a non-volatile memory that stores a program that defines the operation of the smart card 11 and the like. Note that the program that defines the operation of the smart card may be stored in the EEPROM 113. EEPRO
M113 is a non-volatile memory that stores data in a rewritable manner. The RAM 114 is a volatile memory that temporarily stores data. In addition, in the EEPROM 113, the evaluation value (Vf) of the hierarchized personal information, credit information, and personal credit information is recorded in advance when the card is issued, and the evaluation value (Vr) that fluctuates in the subsequent transaction process is additionally recorded. . It is calculated based on the evaluation values Vf, Vr (L
f) and (Lr) are also expressed by the EEPROM 113 or R
It can be stored in the OM 112.

[0036]

As described above, in the transaction system using a smart card according to the present invention, personal information is recorded in a layered state on the smart card, and the disclosure level can be adjusted according to the transaction contents. Privacy can be properly protected. Further, the trader or the service provider can analyze the purchase tendency or the like using the disclosed personal information. Further, according to the smart card of the present invention, since the personal credit information is stored in a hierarchical manner in the memory of the IC chip, the above-mentioned transaction can be performed while appropriately protecting the privacy of the individual.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example in which personal credit information is hierarchically recorded in a memory.

FIG. 2 is a diagram showing a smart card issuing processing procedure.

FIG. 3 is a diagram showing a recording procedure of a personal credit information evaluation value change of a smart card.

FIG. 4 is a block diagram showing an outline of a transaction system.

FIG. 5 is a flowchart illustrating the operation of transaction data and a smart card.

FIG. 6 is a block diagram showing a configuration of a smart card.

FIG. 7 is a diagram showing a current credit card settlement composition.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Contractor (user) 2 Merchant 3 Credit card company 4 Financial institution (Company A) 5 Personal credit information agency 11 Smart card 21 Host computer 22 POS terminal

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/00 G06K 19/00 W

Claims (6)

[Claims] 1. A transaction system in a multi-application smart card capable of providing a plurality of services, wherein various types of personal information are stored in a layered state in a memory of the smart card to receive a transaction or an offer. A transaction system using a smart card, wherein personal information of a predetermined hierarchy is disclosed to a trader or a service provider according to the contents of a service to conduct a transaction. 2. The personal information includes at least the name, address, age, telephone number, hobbies and preferences of the smart card user.
2. The smart card transaction system according to claim 1, wherein the system includes a family structure, an occupation, a work place, a position, and an annual income. 3. The smart card transaction system according to claim 1, wherein credit information of a user is further stored in the smart card. 4. A smart card for use in a multi-application that can provide a plurality of services, comprising:
A smart card characterized in that various types of personal information are stored in a layered state in a memory of the smart card. 5. The personal information includes at least the name, address, age, telephone number, hobbies and preferences of the smart card user.
5. The smart card according to claim 4, wherein the smart card includes a family structure, an occupation, a work place, a position, and an annual income. 6. The smart card according to claim 4, wherein credit information of the user is further stored.