JPH053620B2 - - Google Patents

Description

[Detailed Description of the Invention] Technical Field of the Invention This invention relates to an IC card system, and in particular,
An IC card that can store data that identifies the financial institution involved and a program for transaction processing procedures on a terminal device, and a program for reading transaction processing procedures from such an IC card and processing the transaction according to the program. The present invention relates to an IC card system consisting of a terminal device that executes a transaction processing procedure, and in which the terminal device displays to a customer that a transaction is impossible when the IC card does not store a transaction processing procedure program.

Description of the Prior Art Currently, magnetic cards such as cash cards and credit cards are widely used for transactions such as withdrawals, deposits, and transfers through online systems with financial institutions such as banks and credit card companies. This magnetic card stores data such as codes for identifying customers. When making a transaction, customers go to their bank with these cards and use the so-called ATM (Automatic Teller) installed there.
Insert your card into a transaction terminal device such as a cash dispenser (Machine) or CD (Cash Dispenser), and follow the prescribed steps to operate input methods such as a keyboard to enter information such as your PIN, transaction type, transaction amount, etc. Enter the required data into the terminal device. The encrypted information of the card read by the terminal device and various transaction information entered by the customer into the terminal device are sent to each bank's center, and the center's file is updated according to this information, and the transaction is processed. An instruction to execute is given to the terminal device. As a result, various transactions are executed between the customer and the terminal device.

Incidentally, the types of transactions currently performed by online systems include not only withdrawals and deposits, but also transactions that are not often used, such as transfers and transfers. Considering the current social situation, it is thought that the types of such transactions will continue to increase in the future. Therefore, as this trend increases, terminal devices such as ATMs must also be equipped with functions and programs that can handle all types of transaction processing, increasing the functional burden on each terminal device. increase Furthermore, since current magnetic cards only have the customer identification function, customers are forced to follow uniform transaction processing procedures required by the terminal equipment every time they make a transaction; This means that the number of selection elements and operating procedures at the time of transaction, that is, when operating a terminal device, has increased and become more complex. As a result, the operational burden on customers during transactions increases and customers may be confused, but banks are installing display means such as CRTs on terminal devices to show customers transaction procedures and selection elements. We are taking measures such as: however,
There are limitations to such auxiliary means, and it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, which poses the problem of reducing the efficiency of transaction processing. .

For this reason, it is desirable to have the card store a program for the transaction processing procedure of the terminal device, which was conventionally built into the terminal device.Furthermore, if the predetermined program is not stored in the card at the time of the transaction, the transaction may be impossible. It is desirable to be able to display this information to customers for operational convenience.

However, conventionally used magnetic cards have a certain limitation in terms of storage capacity, and one card has the problem that only one financial institution's identification information can be stored.

Purpose of the Invention Therefore, the main object of the present invention is to solve the above-mentioned drawbacks and to provide an IC card capable of storing data identifying a transaction financial institution and a transaction processing procedure program for a terminal device; IC like
It consists of a card and a terminal device that communicates with the card, reducing the functional burden on the terminal device side, and at the same time reducing the operational burden on the customer during transactions. To provide an IC card system capable of improving operational efficiency for a customer by displaying on a terminal device that a transaction is not possible when a program is not stored.

Structure and Effects of the Invention To summarize the invention, the data storage means
An IC card having ROM, RAM, and a data processing means CPU is loaded with data for identifying the financial institution with which the transaction is made, and a program for transaction processing procedures for operating the terminal device of the financial institution to execute the transaction processing. When making a transaction, the terminal device first determines whether or not the data identifying the financial institution with which the transaction is made is correct. If it is correct, the terminal device reads out a transaction processing procedure program from the IC card. A predetermined transaction is executed according to a transaction processing procedure program read from the card, and if the transaction processing procedure program is not stored in the IC card, a message indicating that the transaction is impossible can be displayed to the customer. It is something.

Therefore, according to the present invention, by using an IC card in which a customer can program transaction procedures in the order desired by the customer, the customer can execute transactions with the same content no matter which terminal device is used. This reduces the operational burden on customers during transactions, and on the terminal device side,
By transferring the transaction processing procedure program that was conventionally built into the terminal device to an IC card, the terminal device only needs to have the minimum functions necessary for transactions, and can now be equipped with functions for all types of transaction processing. There's no need.

Furthermore, if you accidentally use an IC card that does not have a program for the specified transaction procedure stored in it,
By indicating to the customer that a transaction is unavailable rather than no response, the customer can retry the transaction without confusion and improve the effectiveness of transaction processing.

The present invention will be explained in more detail below along with embodiments shown in the drawings.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting an embodiment of the present invention.

An IC card is a card that has the same size and shape as conventional magnetic cards such as cash cards and credit cards, and has at least ROM,
It has built-in memory such as RAM, a CPU, and contacts (usually 8) for communicating with terminal devices.

Conventional magnetic cards have a small storage capacity, and the stored information is easy to decipher. Compared to conventional magnetic cards, IC cards have a large storage capacity and are highly secure, as they are programmed so that they cannot be read easily, so there is no need to worry about the stored information being deciphered by others. It is in.
It is also possible for the IC card itself to independently issue a request.

In FIG. 1, the IC card is provided with contacts 5a to 5h for communicating with a terminal device. Among these contacts, 5b is for data communication between the IC card and the terminal device,
5d and 5h are the CPU of the IC card from the terminal device.
5f is for supplying a clock signal to CPU1, 5g is for supplying a reset signal to CPU1, and 5c is for ROM. This is for supplying power for rewriting the ROM storage contents only when rewriting the storage contents, and 5a and 5e are spare contacts. Furthermore, CPU1
The ROM 2 and RAM 3 are interconnected by a data bus 4, and the CPU 1 controls the operation of each component.

Next, FIG. 2 constitutes one embodiment of this invention.
FIG. 3 is a plan view of the IC card. In Figure 2, IC
The front panel of the card body 6 is provided with contacts 5 (consisting of contacts 5a to 5h in FIG. 1), and these contacts are used to connect the terminal device when the IC card 6 is inserted into the terminal device. Connected to the IC card reader on the side. Further, the IC card 6 is provided with a display section 7 on which the name of the card holder is displayed by embossing.

Next, FIG. 3 shows an IC that is an embodiment of this invention.
FIG. 3 is a diagram showing a memory map of the ROM of the card.
In Fig. 3, first there is an ID mark unique to the transaction bank, then data identifying the transaction account such as bank number and account number is stored, followed by a storage program consisting of a transaction processing procedure program. ing.

Next, FIG. 4 shows an IC that communicates with the IC card shown in FIGS. 1 to 3, which is an embodiment of the present invention.
FIG. 2 is a schematic block diagram showing the electrical configuration of a card terminal device. In FIG. 4, the IC card reader 9 is a unit for communicating with the CPU 1 of the inserted IC card via the contact 5, and the CRT 1
0 is a unit for displaying to the customer the transaction procedure or the impossibility of the transaction when the transaction procedure program is not stored in the IC card, and the keyboard 11 is for inputting the PIN number and the amount to be paid. This is a unit for the customer to communicate with the center, and the slip issuing machine 12 is a unit for issuing a slip after receiving withdrawal permission from the center.
The paper dispensing machine 13 is a unit for disbursing cash to customers. Each of these units is connected to the main control section 8 by an internal data bus, and the main control section 8 controls the operation of these units. Furthermore, the main control unit 8 is connected to a central CPU (not shown) of each bank via a line control unit 14 and an input/output terminal 15.
connected to.

Next, FIG. 5 is an external perspective view of the IC card terminal device shown in FIG. 4. In Figure 5,
The main body 16 of the IC card terminal device is provided with an IC card insertion slot 17 and a slip paper ejection port 18 on its vertical surface, and a CRT 19 and a keyboard 20 on its horizontal surface, that is, an operation panel. The IC card insertion slot 17 is used by the customer at the time of transaction.
This is for inserting an IC card, and the slip paper outlet 18 is for handing over cash and slips to the customer when withdrawing money, and is designed to open only when making a payment. Further, the CRT 19 is used to display to the customer operating procedures and information on prohibited transactions, etc., and the keyboard 20 is used to input a personal identification number and the amount to be paid.

Next, FIG. 6 shows an IC which is an embodiment of this invention.
FIG. 2 is a flow diagram for explaining specific operations of the card system.

Next, the specific operation of one embodiment of the present invention will be explained with reference to FIGS. 1 to 6.

First, a customer goes to his or her own bank with an IC card, which is an embodiment of the present invention shown in FIGS. 1 to 3. Next, the customer inserts his or her IC card into the IC card insertion slot 17 of the IC card terminal device installed at the bank (steps (S) 1, 10). Then, power is supplied to each element constituting the IC card shown in FIG.

Next, in the IC card, the CPU 1 reads data that identifies the financial institution with which the IC card is transacted, such as the ID mark, bank number, and account number shown in the memory map of FIG. 3, and data that specifies the transaction account. It is read from the ROM 2 and transmitted to the IC card reader 9 of the terminal device via the contact 5b (S11).

Next, on the terminal device side, the IC card reader 9 receives data such as the ID mark, bank number, account number, etc. transmitted from the IC card via the contact 5b (S2). The main control unit 8 then determines whether or not the data identifying the financial institution with which the terminal device belongs, such as the ID mark, matches the identification data unique to the financial institution to which the terminal device belongs ( S3). As a result, if the ID marks, etc. do not match, the main control unit 8 displays a message on the CRT 19 to the effect that "transactions cannot be made with this card" to notify the customer that the transaction is not possible (S8), and further transfers the IC card to the customer. to end the transaction (S9). Furthermore, if the identification data such as ID marks match, the main control unit 8 determines that the transaction can be continued, generates a transaction permitting document, and sends it to the IC card (S4).

On the IC card side that received this message, CPU1
determines whether a tradable message has been received (S12). Then, if a transaction-enabled message is not received, the transaction ends. In addition, you will receive a tradable message,
Furthermore, as shown in the memory map of FIG. 3, if a transaction processing procedure storage program is stored in the ROM 2, it is read out and sent to the terminal device (S13). The IC card ends its role by sending this message.

Next, on the terminal device side, the main control unit 8 determines whether or not the stored program has been received (S5). As a result, if the stored program is not received, that is, if the transaction processing procedure program is not stored in the ROM of the IC card, the main control unit 8 will notify the CRT 19 that "transactions cannot be made with this card."
A message to this effect is displayed to notify the customer that the transaction is not possible (S8), and the IC card is returned to the customer to complete the transaction (S9). Furthermore, upon receiving the stored program, the terminal device temporarily stores the stored program for the received transaction processing procedure (S6), and thereafter the terminal device performs transaction processing such as withdrawals, deposits, and transfers according to this program. Can be executed (S7).

Additionally, when the transaction processing is completed,
The IC card is returned to the customer (S9), thereby completing all transactions.

As described above, according to this embodiment, by storing the transaction processing procedure program built in the conventional terminal device in the IC card, the functional burden on the terminal device can be reduced. Further, the customer can use any terminal device to conduct transactions with predetermined contents stored in the IC card. Furthermore, according to this embodiment, if an IC card in which a predetermined program is not stored is used by mistake, the terminal device will not respond unresponsively but will indicate to the customer that transactions are not possible, so that the customer will not be confused. Transactions can be reordered and transaction efficiency can be improved.

[Brief explanation of drawings]

FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting an embodiment of the present invention.
FIG. 2 is a plan view of an IC card constituting an embodiment of the present invention. FIG. 3 is a diagram showing a memory map of an IC card constituting an embodiment of the present invention. FIG. 4 constitutes one embodiment of this invention.
FIG. 2 is a schematic block diagram showing the electrical configuration of an IC card terminal device. FIG. 5 is an external perspective view of the IC card terminal device shown in FIG. 4. FIG. 6 is a flow diagram for explaining transaction processing of an IC card system according to an embodiment of the present invention. In the figure, 1 is CPU, 2 is ROM, 3 is
RAM, 4 is a data bus, 5 is a contact, 6 is an IC card body, 7 is a display section, 8 is a main control section, 9 is an IC card reader, 10 and 19 are CRTs, 11 and 20 are keyboards, 12 is a slip issue 13 is a paper discharger, 14 is a line control unit, 15 is an input/output terminal, 16
1 shows the main body of the IC card terminal device, 17 shows the IC card insertion slot, and 18 shows the slip paper exit.

Claims (1)

[Scope of Claims] 1. An IC card system comprising an IC card used for financial transactions and a terminal device that communicates with the IC card, wherein the IC card stores data that specifies the financial institution with which the transaction is made. The first
a second storage area capable of storing a program for transaction processing procedures; and a data storage means that reads data specifying the transaction financial institution from the first storage area and stores it in the terminal device. and a transaction data transmitting means for transmitting data, and the terminal device determines whether the data specifying the transaction financial institution received from the transaction data transmitting means matches the data specifying the financial institution to which the terminal device belongs. reading means for reading out a transaction processing procedure program from the second storage area when the transaction processing procedure program matches the transaction processing procedure; An IC card system comprising a means for displaying transaction impossibility.