JPH0538986B2 - - Google Patents

Description

[Detailed Description of the Invention] Technical Field of the Invention The present invention relates to a card system, and in particular, to a card system that stores transaction data with multiple financial institutions such as banks and credit companies, and a single PIN number common to these financial institutions. A card having an area,
The present invention relates to a card system including such a card and a terminal device that communicates with the card.

Description of the Prior Art Currently, magnetic cards such as so-called 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. There is. These magnetic cards magnetically store 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 an input device such as a keypad 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.

Furthermore, in the current online system, mutual access between banks is realized, and it is also possible to withdraw money from an account at one's own bank using a terminal device of a bank other than one's own bank. For example, if you use a card from Bank A, which is your bank, on a terminal device from Bank B, which is not your bank, the transaction data read from Bank A's card will be sent to the center of Bank B, and the transaction data will be sent to the center of Bank B. data is transferred from Bank B's center to Bank A's center. Then, the presence or absence of an account is searched at the center of Bank A, and the file is updated according to the transaction information. Furthermore, a command to execute the transaction is transmitted to the terminal device of Bank B, and the desired transaction is realized between the card holder and the terminal device of Bank B.

By the way, in today's social life, opportunities to use cards such as cash cards and credit cards are increasing, and one person already owns several types of cards, and the person can select and use the one he or she needs from among them. I'm starting to do that. This trend is expected to further increase in the future. In this way, when each person owns multiple cards, or multiple financial transaction accounts, a PIN number must be set for each card used, and there is a risk of selecting the wrong card or entering the PIN number incorrectly. This makes card handling complicated.

In order to prevent such a situation, it is desirable that one card be able to store all of the transaction data of each financial institution and one PIN number common to each financial institution.

However, conventionally used magnetic cards have a certain limitation in terms of storage capacity, and one card has the problem of being able to store information about only one financial institution.

Purpose of the Invention Therefore, the main purpose of this invention is to be able to store transaction data of multiple financial institutions with which the user has transactions on a single card, and to store one PIN number common to these financial institutions. To provide a card system that is composed of a card and a terminal device that communicates with such a card, and that allows a desired financial institution to be selected and transacted at the time of transaction.

Structure and Effects of the Invention The present invention has a storage means in a card used for financial transactions, and the storage means includes a plurality of financial transaction data corresponding to each of a plurality of financial institutions and a data common to the plurality of financial institutions. When a customer sets this card in the reading means of the terminal device at the time of transaction, the reading means selects the financial information desired by the customer from among the plurality of financial transaction data stored in the storage means of this card. In addition to reading the transaction data, the above-mentioned PIN is also read out and given to the execution means, so that the execution means receives the read PIN and uses the read financial transaction data to transfer the data to the corresponding financial institution. configured to carry out financial transactions with. Therefore, according to the present invention, a customer can store a plurality of financial transaction data corresponding to each of the plurality of financial institutions with which the customer is doing business, and the above-mentioned PIN number in advance.
By simply carrying one card and setting it in the reading means of the terminal device, the user can automatically select and selectively designate the financial institution of his choice from among multiple financial institutions and conduct financial transactions with that institution. Therefore, customers no longer need to have a card for each financial institution with which they do business, as was the case in the past, and in addition, the PIN number used to carry out financial transactions with multiple financial institutions is the same for each financial institution. This eliminates the hassle of remembering the PIN number, the hassle of handling the card, and the problem of using the PIN number incorrectly.

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

DESCRIPTION OF EMBODIMENTS FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting an IC card system according to 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. 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 CUP1, and 5c is for supplying power (OV, +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 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.
This is a diagram showing a memory map of the IC card, which is composed of data that specifies the transaction accounts of a plurality of transaction banks of the IC card, which is stored in the storage area of the ROM 2 of the IC card. In FIG. 3, first, there are account flags called 1st, 2nd, . Next, there is one common PIN number for each account, followed by detailed transaction data for the first to nth accounts.

Next, FIG. 4 is a schematic block diagram showing the electrical configuration of a 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
This is a unit for communicating with the CPU 1 of the inserted IC card via contact 5. The CRT 10 is a unit for displaying transaction procedures etc. to the customer and allowing the customer to select the desired trading account. Reference numeral 11 is a unit through which a customer communicates with a terminal device when inputting a desired account or password, and a slip issuing machine 12 issues a slip upon receiving withdrawal permission from the center. The banknote 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 is connected to a center CPU (not shown) of each bank via a line control section 14 and an input/output terminal 15.

Next, FIG. 5 constitutes one embodiment of this invention.
FIG. 2 is an external perspective view of an IC card terminal device. Fifth
In the figure, the main body 16 of the IC card end device includes:
An IC card insertion slot 17 and a bill withdrawal slot 18 are provided on the vertical surface, and a CRT 19 and a keyboard 20 are provided on the 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.
The slip bill outlet 18 is for handing over cash and slips to the customer at the time of withdrawal, and is designed to open only at the time of withdrawal. In addition, the CRT19 is used to instruct customers on operating procedures, etc.
The keyboard 20 is used to enter a number corresponding to a desired transaction account, a personal identification number, and a billing amount.

Next, FIG. 6 shows an IC which is an embodiment of this invention.
It is a flowchart for explaining an example of specific transaction processing of a card system.

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

First, the customer must
Bring your IC card with you and go directly to the bank where you want to conduct the transaction. And the customer owns the IC
Insert the card into a terminal device installed at your bank. Then, power is supplied from the terminal device side to the CPU 1, RAM 2, and RAM 3 that constitute the IC card shown in FIG. 1 through the contacts 5d and 5h. Next, the terminal device generates a start message and sends it to the CPU 1 of the IC card via the contact 5b. This start message consists of a unique ID mark representing the bank to which the terminal device belongs and a bank number. IC that received this disclosure message
On the card side, the ID included in the received start message
ROM with the mark and bank number shown in Figure 3.
The ID marks and bank numbers of the first to nth transaction accounts stored in the storage area of No. 2 are sequentially compared. As a result, the ID mark included in the received start message, the ID mark corresponding to the bank number, and the bank When it is determined that the account containing the number does not exist, the CPU 1 generates a signal indicating that the transaction is impossible according to a program stored in the ROM 2, and transmits the signal to the IC card reader 9 of the terminal device. Additionally, if an account containing the corresponding ID mark and bank number is found among the accounts of multiple financial institutions stored in ROM2, the CPU1
reads out all account content data such as the account number and expiration date of this account and sends it to the terminal device.

In this way, the terminal device that receives a message indicating that a transaction is not possible or a message containing the relevant account details sent from an IC card will send the IC card to the customer if the received message indicates that the transaction is not possible. By returning the message, it is shown to the customer that the transaction is impossible, and if the received message includes detailed data of the corresponding account, the received account contents are stored.

Next, in the terminal device, the main control unit 8 generates a message requesting a personal identification number (hereinafter referred to as a code) and sends a message to the IC.
Transmit to CPU1 of the card. The IC that received this
The card side judges whether the received message is an encryption request or not, and if it is an encryption request, it reads out one code common to each account shown in the memory map of Fig. 3 and sends it to the IC card reader 9 of the terminal device. Send. On the terminal device side that receives this, the main control unit 8 determines whether the received message is encrypted or not, and if it is encrypted, it generates an end mark indicating that all communications are terminated and sends it to the CPU 1 of the IC card. Transmit. The IC card side that receives this determines whether the received message is an end mark or not, and if it is an end mark, this ends all communications.

The operation of the terminal device after this is the same as in the case of a normal cash card.First, the customer enters a code into the terminal device using the keyboard 20, and then the entered code is received from the above-mentioned IC card. The main control unit 8 determines whether or not the received code matches the received code. Here, if the codes do not match,
The IC card is returned to the customer, making it impossible to continue the transaction, and if they match, the customer uses the keyboard 20 to input the billed amount into the terminal device. The detailed data of the corresponding account read from the IC card and the key-input billing amount stored in the terminal device are sent to the center of the bank to which this terminal device belongs, and the center processes these data. The file is searched and updated in accordance with the above, and a withdrawal permission command is given to the terminal device. Upon receiving this command, the terminal device commands the slip issuing machine 12 to issue a payment slip, and commands the bill dispensing machine 13 to pay cash to the customer. After the payment to the customer is completed, the IC card is returned to the customer and the transaction is completed.

Next, FIG. 7 is a flow diagram for explaining the specific operation of the IC card system when a terminal device is used to select a desired account from a plurality of accounts stored in an IC card and conduct a transaction. It is.

Next, the operation of an IC card system which is an embodiment of the present invention will be explained with reference to FIGS. 1 to 7.

First, the customer must use the IC shown in Figures 1 to 3.
Go to each bank with your card in hand. Since the selection of an account for transactions is made by operating a terminal device, this bank does not need to be the bank with which the user directly conducts transactions. Next, the customer inserts his or her IC card into a terminal device installed at each bank. Then, power is supplied to the CPU 1, ROM 2, and RAM 3 that constitute the IC card shown in FIG. Next, in the terminal device, the main control unit 8 instructs the CRT to select and input the account number.
19 to notify customers. Here, the account number is as shown in the memory map in Figure 3.
A number from 1 to n is assigned to each account for multiple accounts stored in the storage area of ROM2 of the IC card, and each customer memorizes this number and the bank name of the corresponding account. shall be.

Next, the customer uses the keyboard 20 to input into the terminal device the number corresponding to the bank account with which he/she wishes to conduct the transaction in accordance with the display on the CRT 19. The entered account number from 1 to n is
Once stored in the terminal device, it is sent to the IC card's CPU via contact 5b along with a start mark as a start message.
1. The IC card side that receives this message determines whether the received message is a start message or not, and if it is a start message, stores the specified bank account number in the RAM 3. Then, CPU 1 determines whether the account flag in ROM 2 corresponding to this account number is on, and if it is found not to be on, CPU 1 sends a signal indicating that trading is not possible according to the program stored in ROM 2. is generated and transmitted to the IC card reader 9 of the terminal device. Further, if the corresponding account flag is found to be on, the CPU 1 transmits all detailed account content data such as the account number and expiration date of this account to the IC card reader 9 of the reading terminal device. If the message sent from the IC card indicates that the transaction is not possible, the terminal device that receives these transaction-impossible messages or account details messages can cancel the transaction by returning the IC card to the customer. If the message sent from the IC card contains detailed account details data, the terminal device stores these account details.

Next, in the terminal device, the main control unit 8 generates a message requesting encryption and transmits it to the CPU 1 of the IC card. The IC card side that receives this determines whether the received message is an encryption request or not, and if it is an encryption request, it reads out one code common to each account shown in the memory map in Figure 3 and sends it to the terminal device. Send to IC card reader 9. The terminal device side that receives this determines whether the received message is encrypted or not, and if it is encrypted, it generates an end mark indicating that all communications are terminated and transmits it to the CPU 1 of the IC card. The IC card side that receives this determines whether the received message is an end mark or not, and if it is an end mark, it ends all communications.

The operation of the terminal device after this is almost the same as the operation of the terminal device in the embodiment shown in FIG. The only difference is that the code is not performed at the terminal device, but the code is sent to the center along with the billed payment amount, and the center determines whether the code matches.

As described above, according to this embodiment, the data identifying the transaction accounts of a plurality of financial institutions with which the user has transactions and one PIN number common to each account are stored.
The desired transaction can be carried out using an IC card and by either going directly to the bank where the transaction is to be made or by operating a terminal device and selecting the account at the desired financial institution. Customers only need to carry one IC card, and they only need to remember one common PIN number for their accounts at each financial institution, eliminating the complexity of card handling.

[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. FIGS. 6 and 7 are flowcharts for explaining transaction operations 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 banknote ejection machine, 14 is a line control unit, 15 is an input/output terminal, 16
17 indicates an IC card insertion slot, and 18 indicates a slip bill exit.

Claims (1)

[Scope of Claims] 1. A card system comprising a card used for financial transactions and a terminal device that communicates with the card, wherein the card is configured to perform a plurality of financial transactions corresponding to each of a plurality of financial institutions. The terminal device includes a data storage means for storing data and one PIN number common to the plurality of financial institutions, and the terminal device includes a reading means for reading out the desired financial transaction data and the PIN number from the data storage means. , execution means for receiving the read PIN number and executing the financial transaction with the financial institution corresponding to the financial transaction data using the read financial transaction data; card system. 2. The execution means includes: a PIN storage means for storing the read PIN; a PIN input means for causing the customer to input the PIN; and a comparison between the stored PIN and the input PIN. 2. The card system according to claim 1, further comprising a password comparison means for continuing the financial transaction only when the passwords match.