JPH053621B2 - - Google Patents

Description

[Detailed Description of the Invention] Technical Field of the Invention This invention relates to an IC card system, and in particular,
The present invention relates to an IC card system that includes an IC card that stores a plurality of programs for transaction processing procedures on a terminal device, and a terminal device that communicates with such an IC card.

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 frequently 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 when making a transaction, that is, when operating a terminal device, has increased and become more complex.
For this reason, 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. Measures such as these are being taken. However, such auxiliary means have limitations, and the problem is that it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, reducing the efficiency of transaction processing. It was hot.

For this reason, it is desirable to store multiple programs for transaction processing procedures on the card side, which were conventionally built into the terminal device. However, conventionally used magnetic cards have certain limitations in terms of storage capacity. However, there was a problem that only one financial institution's identification information could be stored on one card.

OBJECTIVES OF THE INVENTION Therefore, the main objective of the present invention is to overcome the above-mentioned drawbacks and to provide an IC card storing multiple programs of transaction processing procedures conventionally stored in a terminal device, and a system for communicating with such an IC card. To provide an IC card system consisting of a terminal device and capable of executing a desired transaction by selecting a transaction processing procedure program to be executed from among a plurality of programs stored in the IC card at the time of transaction. That's true.

Structure and Effects of the Invention To summarize the invention, the data storage means
An IC card with ROM, RAM, and data processing means CPU is provided with a storage area that stores multiple programs for transaction processing procedures to operate the terminal device of the financial institution with which you do business to execute transaction processing. , the customer specifies a program for the transaction processing procedure that the customer intends to execute using the terminal device, the terminal device reads the program for the specified transaction processing procedure from the storage area of the IC card, and the terminal device also executes the transaction that has been read out. It is configured so that a predetermined transaction can be executed according to a processing procedure program.

Therefore, according to the present invention, by using an IC card in which a customer has programmed transaction procedures in the customer's desired order, a customer can conduct a desired transaction using any terminal device. It is possible to reduce the burden on customers in terms of operations during transactions, and on the terminal device side, by transferring multiple programs for transaction processing procedures that were conventionally built into the terminal device to an IC card, it is possible to reduce the burden on customers during transactions. It only needs to have the minimum necessary functionality and does not need to have functionality for every type 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, and 5d and 5h are for data communication from the terminal device to the IC card.
5f is for supplying a clock signal to CPU1, 5g is for supplying a reset signal to CPU1, and 5c is for supplying power (0V, +5V) to CPU1.
This is for supplying power for rewriting the ROM storage contents only when rewriting the ROM storage contents, and 5a and 5e are spare contacts. moreover,
The CPU 1, 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 constitutes one embodiment of this invention.
FIG. 3 is a diagram showing a memory map of an IC card. Third
In the diagram, first, the ID mark unique to the corresponding bank,
Data identifying the transaction account, such as bank number and account number, is stored, and a storage area is provided to temporarily store the program number specified by the terminal device. A series of stored programs are followed.

Next, FIG. 4 is a schematic block diagram showing the electrical configuration of an IC card terminal device that communicates with the IC card that constitutes one embodiment of the present invention shown in FIGS. 1 to 3.

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 5b, and the CRT 10 displays to the customer the transaction procedure and the selection of a desired program. It is a unit for keyboard 1.
Reference numeral 1 is a unit for the customer to communicate with the center when inputting a personal identification number and the amount to be paid, and a 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 paying 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 section 8 includes a line control section 14 and an input/output terminal 1.
5 to the center CPU (not shown) of each bank.

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 exit 18 on its vertical surface, and a CRT 19 and a keyboard 20 on its horizontal surface, that is, the operation panel. The IC card insertion slot 17 is for a customer to insert an IC card during a transaction, and the slip paper exit slot 18 is for handing over cash and slips to the customer when withdrawing money, and is designed to be opened only when making a payment. It's summery. Further, the CRT 19 is used to display to the customer the operating procedure and the selection of a desired program, 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 that constitutes an embodiment of the present invention shown in FIGS. 1 to 3. Next, the customer owns the IC
The card is inserted into the IC card insertion slot 17 of the IC card terminal device installed at the bank (steps (S) 1, 14). Then, power is supplied to each element constituting the IC card shown in FIG.

Next, in the IC card, the CPU 1 stores data that identifies the financial institution with which the IC card is transacted, such as the ID mark, bank number, and account number, and data that specifies the transaction account, as shown in the memory map in Figure 3. is read from the ROM 2 and transmitted to the IC card reader 9 of the terminal device via the contact 5b (S15).

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). and main control section 8
determines whether or not data identifying the financial institution with which the terminal device belongs, such as an ID mark, among the received data matches identification data unique to the financial institution to which the terminal device belongs (S3). As a result, if the ID marks do not match, the main control unit 8 displays a message on the CRT 19 to the effect that ``this card cannot be used'' to notify the customer that the transaction is not possible (S12), and then sends the IC card to the customer. Return it to end the transaction. Furthermore, if the ID cards 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).

Next, on the IC card side, the CPU 1 determines whether a transaction-enabled message has been received (S16). and,
The transaction will be terminated if the transaction-enabled message is not received.

Next, in the terminal device, the main control unit 8 notifies the customer by displaying on the CRT 19 that the program for the desired transaction processing procedure should be selected and keyed in (S5). In accordance with the display on the CRT 19, the customer uses the keyboard 20 to input a program number corresponding to the transaction processing procedure he/she wishes to execute into the terminal device (S6). This input program number is transmitted to the CPU 1 of the IC card via the contact 5b (S7).

Next, on the IC card side, the CPU 1 determines whether or not the program number has been received (S17), temporarily stores the received program number in the storage area shown in FIG. 3 (S18), and furthermore, the CPU 1 The stored program corresponding to this stored program number is
It is determined whether the corresponding program exists in the storage area in ROM2 (S19), and if the corresponding program does not exist in ROM2, the transaction ends, and if the corresponding program exists, the CPU 1 stores the corresponding stored program. It is read out and sent to the terminal device (S20).
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 corresponding stored program has been received (S8). As a result, if the corresponding stored program is not received, the main control unit 8 causes the CRT 19 to display a message stating "This card cannot be used for this transaction processing" and notifies the customer that the transaction is not possible (S13 ), then return the IC card to the customer and complete the transaction. Moreover, if the corresponding storage program is received, the terminal device temporarily stores the storage program of the received transaction processing procedure (S9), and from now on, the terminal device will perform withdrawals, deposits, etc. according to this program.
Transaction processing such as transfer can be executed (S10).

Additionally, when the transaction processing is completed,
The IC card is returned to the customer (S11), thereby completing all transactions.

As described above, according to this embodiment, a plurality of programs for uniform transaction processing procedures, which were conventionally built into a terminal device, are stored in the IC card as programs in the desired order. , the terminal device only needs to have the minimum functions necessary for transactions, and with just these functions, the terminal device can handle all kinds of transaction processing. Also,
A customer can use any terminal device to conduct a transaction based on the predetermined contents stored in the IC card, thereby improving transaction efficiency.

[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)

[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 a plurality of programs for transaction processing procedures. The terminal device further includes: a program specifying means for specifying a transaction processing procedure program to be executed from among the plurality of programs, and the IC card further includes: An IC card system comprising program sending means for reading out a program specified by the program specifying means from among the plurality of stored programs and sending it to the terminal device. 2. Each of the plurality of programs includes data specifying the program, the program specifying means includes data input means for inputting data specifying the program of the transaction processing procedure to be executed, and the program sending means The IC according to claim 1, further comprising program reading means for reading out a program including data that matches the input data from among the plurality of programs stored in the storage area. card system.