JPH053623B2 - - 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 storing a program for a transaction processing procedure of a terminal device, data for identifying such a program, and data indicating a change stage of such a program, and communicating with such an IC card; An IC card system comprising a terminal device that can rewrite the transaction processing procedure program stored in the IC card and execute the transaction processing procedure program when the change stage has not been updated. It is.

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. These magnetic cards have data such as codes for identifying customers magnetically recorded thereon. 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 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. increases.

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, 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 that the card side stores a program for transaction processing procedures that can be executed by the terminal device, which has conventionally been built into the terminal device.
At the time of a transaction, it is desirable to be able to execute the transaction only when the transaction processing of the program stored in the IC card is included in the transaction processing executable by the terminal device, and to be able to terminate the transaction when they do not match.

In addition, the transaction processing procedure program may be partially updated, for example, data for determining the expiration date of the card may be partially updated, and generally the transaction processing procedure program can be executed by the terminal device. is the latest one.

Therefore, when the change stage of the program stored in the IC card and the change stage of the executable program of the terminal device match, the program written on the IC card is read as is and the transaction is executed based on it. If they do not match, the terminal device can rewrite the program stored on the IC card to the latest program that the terminal device can execute, and then
It is desirable to be able to execute transactions according to rewritten programs.

However, conventionally used magnetic cards have certain limitations in terms of storage capacity, and one card can only store identification information for one financial institution, making it difficult to store the various types of data described above. The problem was that I couldn't remember it.

OBJECTS OF THE INVENTION Therefore, the main object of the invention is to overcome the above-mentioned drawbacks and to provide a program for transaction processing procedures in a terminal device, data identifying such a program and stages of modification of such a program. An IC card that stores data and an IC like this
It consists of a terminal device that can communicate with the card and determine whether the program stored in the IC card is operable or not, and if the program of the IC card has not been updated, can be rewritten to the latest program that can be executed by the terminal device and then executed. This reduces the functional burden on the terminal device side, and at the same time reduces the operational burden on the customer during transactions. An object of the present invention is to provide an IC card system that can alleviate the problems.

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, RAM) and data processing means (CPU)
A transaction processing procedure program for operating the terminal device of the own financial institution to execute transaction processing, data identifying such a program (hereinafter referred to as the program number), and this A storage area is provided in which data indicating the change stage of the program (hereinafter referred to as version number) is stored, and at the time of transaction, the terminal device first reads the above-mentioned program, program number, and version number from the IC card, It is determined whether they match the executable transaction processing procedure program number and its version number of the terminal device, and if they match, the read program can be executed as is, and if the version numbers do not match, In other words, when the program stored in the IC card has not been updated, the terminal device rewrites the program stored in the IC card to the latest executable program, and further processes transactions according to this rewritten program. It is configured so that it can be executed.

Therefore, according to the present invention, by using an IC card in which a transaction procedure can be programmed, a customer can use any terminal device that can operate with his or her own program.
It is possible to execute transactions based on the predetermined contents stored in the IC card, reducing the operational burden on the customer during transactions. By transferring the transaction processing procedure program to an IC card, the terminal device only needs to have the minimum functionality required for a given type of transaction, and with that, it can process all types of transactions within a given range. be able to respond to

Furthermore, if the version number that can be executed by the terminal device does not match the version number of the program written on the IC card, the program stored on the IC card will be rewritten by the terminal device to the latest program. Since transaction processing is executed, even if an IC card has not been updated with its version number, it can be used for transactions as is, and if such a card is used, the program on that card will always be updated to the latest program. Since the program is updated, there is no need to update the contents of the program before trading.

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 larger storage capacity, and are highly secure because 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. There is a particular thing. 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. Of 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. Furthermore, the IC card 6 has
A display section 7 is provided on which the card holder's name and the like are displayed by embossing.

Next, FIG. 3 constitutes one embodiment of this invention.
FIG. 3 is a diagram showing a memory map of the ROM of the IC card. In Figure 3, first, the ID unique to the bank
The mark and data specifying the transaction account such as bank number and account number are stored, and the program number and version number of the transaction processing procedure storage program are also stored. Furthermore, thereafter, the stored program itself is subsequently stored.

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.
The CRT 10 is a unit for displaying transaction procedures etc. to the customer, the keyboard 11 is a unit for the customer to communicate with the center when inputting a personal identification number or payment amount, etc., and the slip issuing machine 12 is a unit for displaying transaction procedures etc. This is a unit for issuing a slip after receiving withdrawal permission from the center, and the paper ejection 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
is connected to a center CPU (not shown) of each bank via a line control unit 14 and an input/output terminal 15.

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 allows the customer to
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 operating procedures to the customer, and the keyboard 20 is used to enter a personal identification number and a billing amount.

Next, FIG. 6 constitutes one embodiment of this invention.
FIG. 3 is a diagram showing a memory map of a storage means provided in the IC card terminal device. In FIG. 6, the program numbers of programs for multiple transaction processing procedures that can be executed by the terminal device are stored, and even if a program that does not correspond to these program numbers is received, the transaction cannot be executed. Can not. Furthermore, a version number is also stored corresponding to each program number, and these version numbers are generally the latest ones. Therefore, if the program number of the program received from the IC card corresponds to a program number executable by the terminal device, and the version numbers match, the program will be executed. Next, a storage program buffer is provided,
This is to temporarily store the stored program read from the IC card. Next, program update data is stored, which is used to partially rewrite the program stored in the IC card when the version number of the program read from the IC card does not match the version number of the program on the terminal device. It is composed of various data such as expiration date determination data, for example.

Next, FIG. 7 shows an IC that 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 described with reference to FIGS. 1 to 7.

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 the main control section 8
Among these received data, it is determined whether data identifying the financial institution with which the terminal device belongs, such as an ID mark, 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 "transactions cannot be made with this card" to notify the customer that the transaction is not possible (S12), and further transfers the IC card to the customer. to end the transaction (S13). Also, if the ID marks match,
The main control unit 8 determines that it is possible to continue the transaction, generates a transaction-enabled message, and sends it to the IC card (S4).

Next, on the IC card side, the CPU 1 determines whether or not a transaction-enabled message has been received ((S16).Then, if a transaction-enabled message is not received, the transaction ends;
When the transaction-enabled message is received, as shown in the memory map of FIG. 3, the transaction processing procedure storage program stored in the ROM 2 is read out and sent to the terminal device (S17).

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, the main control unit 8 displays a message on the CRT 19 to the effect that ``transactions are not possible with this card'' to notify the customer that the transaction is not possible (S12), and further transfers the IC card to the customer. Return it and complete the transaction (S13). Further, upon receiving the storage program, the terminal device temporarily stores the received storage program of the transaction processing procedure in the storage program buffer shown in FIG. 6 (S6).

Next, the IC card reads out the program number and version number of the stored program stored in the ROM 2 and sends them to the terminal device (S18).

Next, the terminal device that received this message checks whether the number corresponding to the received program number exists among the program numbers stored in the storage area of the terminal device shown in FIG. Judge (S8). As a result, if the corresponding program number does not exist, the main control unit 8 displays a message on the CRT 19 to the effect that "transactions are not possible with this card" and notifies the customer that the transaction is not possible (S12).
Furthermore, the IC card is returned to the customer and the transaction is completed (S13). Further, if the corresponding program number exists, the received version number is compared with the version number of the corresponding program stored in the storage area shown in FIG. 6 (S9).

As a result, if the version numbers do not match,
The main control unit 8 uses the program update data shown in FIG. 6 to rewrite the IC card program stored in the storage program buffer to the latest program executable by the terminal device, and further rewrites the program. Send the completed program to the IC card (S10). Then, the main control unit 8 can execute transaction processing such as withdrawal, deposit, transfer, etc. according to this rewritten program (S11).

Further, on the IC card side, the latest rewritten program received from the terminal device is stored in the storage area of the ROM 2 in place of the conventional program (S19).

If the version numbers match, the main control unit 8 determines that it is possible to continue the transaction, and from then on, withdrawals and withdrawals are made according to the transaction processing procedure program received from the IC card, which is stored in the stored program buffer.
Transaction processing such as deposits and transfers can be executed (S11).

Additionally, when the transaction processing is completed,
The IC card is returned to the customer (S13), thereby completing all transactions.

As described above, according to this embodiment, by storing the transaction processing procedure program that was conventionally built into the terminal device in the own IC card,
The terminal device only needs to have the minimum functions necessary for a predetermined type of transaction, and with that alone, it becomes possible to handle all types of transaction processing within a predetermined range. In addition, customers
A terminal device that can operate with a program stored in an IC card can easily conduct transactions based on the predetermined contents written on the IC card, thereby improving transaction efficiency.

Additionally, if the version number of the program stored in the IC card does not match the version number of the program stored in the terminal device, the terminal device rewrites the program stored in the IC card with the latest program. Since transactions are executed from , even if the version number of an IC card has not been updated, it can be used for transactions as is. Furthermore, if you use a card whose version number has not been updated, the card's program will always be updated to the latest one, so there is no need to update the IC card program before making a transaction.

[Brief explanation of the drawing]

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 terminal device shown in FIG. 4. FIG. 6 is a diagram showing a memory map of the terminal device shown in FIG. 4. FIG. 7 is a flow diagram for explaining the operation of an IC card system that is 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, the IC card comprising: a transaction processing procedure program; and the program. and second data indicating a change stage of the program.
The terminal device comprises: a reading means for reading out stored contents from the first data storage means; third data specifying at least one program of an executable transaction processing procedure; fourth data indicative of a modification stage of at least one program of an executable transaction processing procedure;
a second data storage means storing program update data from a change stage indicated by the data to a change stage indicated by the fourth data; and the first data read by the read means and the third data. , and when the second data read by the reading means and the fourth data do not match, the data read from the first data storage means by the reading means An IC card system comprising: a program rewriting means for rewriting a program to a program at a change stage indicated by the fourth data using the program update data; and a program execution means for executing the rewritten program. .