JPH0620106A - Data transfer system and data transfer terminal equipment - Google Patents

Abstract

PURPOSE:To provide a data transfer system and a data transfer terminal equipment capable of performing the settlement of accounts which is convenient and has high security without carrying cash. CONSTITUTION:A part or all of the data stored in the first memory of first IC card 1 are transferred to the second memory of the first IC card 1 by using a portable terminal equipment 14. By loading the first IC card 1 and a second IC card 3 on a data transfer terminal equipment 9 and depressing the total amount button of the data transfer terminal equipment 9, all the data within the second memory of the first IC card 1 are transferred to the memory of the second IC card 3.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a data transfer system for electronically transferring data using a plurality of portable data carriers to perform a transaction in a cash wholesaler in the field of distribution. Data transfer terminal device.

[0002]

2. Description of the Related Art Conventionally, cash or a check has been used as a settlement method in a distribution field such as a wholesaler who deals in cash, which does not use a settlement method such as credit sales, bills and credit cards.

[0003]

However, in such a distribution field, a relatively large amount of payment (generally hundreds of thousands to millions of yen) is performed, so that it is bulky as cash.
Not only is it annoying that it is difficult to count, but there is also the problem that carrying a large amount of cash carries a great risk of crime.

On the other hand, a check does not have the problem that it is bulky or cumbersome to count, but its creditworthiness and quickness are inferior to cash. In other words, there is a risk of non-delivery, and because it takes time to confirm the contents, it cannot be immediately cashed, and there is a low security that it is not possible to confirm the legitimacy of the bearer like cash, which causes crimes. It is also a factor. In other words, even if a criminal robbed a check, he could not prevent it from being redeemed, even if he had no immediate money, unless he could report it because the legitimate holder was detained. Was there.

The present invention solves the above-mentioned conventional problems, and provides a data transfer system and a data transfer terminal device that enable easy and secure transfer of electronic funds without carrying cash. The purpose is to simplify the processing on the side of the store by setting the amount of money to be paid for the data unit in advance.

[0006]

In order to achieve this object, the data transfer system of the present invention is portable and can be connected to at least a terminal device, a rewritable first non-volatile storage means and a second rewritable storage means. A first and a second data carrier having a non-volatile storage means and a computing means, a mobile terminal device for receiving the data carrier, and a data transfer terminal device for receiving the first and second data carriers, The first data carrier is coupled to the mobile terminal device, and a part or all of the data stored in the first non-volatile storage means of the first data carrier is stored in the second non-volatile memory of the first data carrier. A second non-volatile of the first data carrier, the first data carrier and the second data carrier being coupled to the data transfer terminal device. A data transfer system for transferring all the data stored via the data transfer terminal device to the non-volatile memory means of the second data carrier in the storage means.

[0007]

With this configuration, by using the mobile terminal device and the data unit without using cash or checks, the store side can simplify the processing in the data transfer terminal device and can transfer electronic funds with high security.

[0008]

1 is a block diagram of a settlement system using a data transfer system according to an embodiment of the present invention. In the figure, 1 is a first data carrier (IC card), C
Individual (or store or company) A who has an account in Bank 2
To C bank 2. Reference numeral 3 is a second data carrier (IC card), which is loaned from the D bank 4 to an individual (or a store or a company) B having an account in the D bank 4. Reference numeral 14 is a mobile terminal device of the individual A.

The mechanism of a payment system using an IC card will be described below with reference to FIG. Personal A uses the first IC card 1 for ATM (Automated Teller Machin
(e: automatic teller machine) 5 and by performing a predetermined operation, a certain amount of money, for example, 2 million yen, from the account of the individual A is held in the memory of the IC card 1. At the same time, it is sent to the host computer 7 connected to the ATM 5 through the communication line 6, and 2 out of the balance of the account of the individual A
¥, 000,000 is reserved.

[0010] The individual A brings the first IC card 1 and the portable terminal device 14 to the B store 8 so as to use them for settlement at the B store 8. The B store 8 is, for example, a cash wholesaler.
It is assumed that the individual A makes a settlement of 1.5 million yen at the B store 8.

First, the individual A is the portable terminal device 1 of the individual A.
4 Insert the IC card 1 into the
Tell the card 1 to use 1.5 million yen. That is, the IC card 1 has a first memory and a second memory (illustration omitted), and the second memory is used this time from the first memory in which the balance of the data of 2 million yen is reserved by the command from the mobile terminal device 14. The minute (here, 1.5 million yen) is transferred to the second memory.

Next, the individual A inserts the first IC card 1 into the first insertion port of the settlement terminal 9 installed in the store B, and the B store 8 inserts the second IC into the second insertion port. Insert the card 3. B shop 8 confirms payment terminal 9 (second
1st IC card 1 by pressing
The amount of money held in the second memory of the first IC card 1 can be confirmed by pressing the full amount button (explained in FIG. 2) of the settlement terminal 9 by checking the amount of money held in the second memory. The total amount of 1.5 million yen is the IC of the second IC card 3
After moving into the chip, the second IC card 3 has received 1.5 million yen from the first IC card 1. The result is sent to the host computer 11 of the D bank 4 via the communication line 10.

The B store 8 stores the second IC card 3 in the D bank 4
Bring it to the ATM 12, insert it into the ATM 12 there, and perform a predetermined operation.
500,000 yen will be credited to the account of individual B at bank D 4. The legitimacy of depositing by the second IC card 3 at this stage has already been confirmed in advance from the settlement terminal 9 to the host computer 11
Confirmed by matching the transaction results sent to. Furthermore, among banks, for example, BANKS Net 13
It is communicated via and payment is made.

According to the above-mentioned procedure, by using the two IC cards 1 and 3 and the settlement terminal 9 without handling bothersome and dangerous cash and checks, the account of the individual A to the account of the B store 8 can be obtained. You can transfer funds to.

Here, the communication of the transaction result from the settlement terminal 9 to the host computer 11 via the communication line 10 (which may be a general telephone line) does not necessarily have to be online real-time transfer, but offline batch transfer. Good. That is, on nights, Saturdays, or holidays outside the business hours of the D bank 4, the transaction results may be temporarily stored in the settlement terminal 9 and transferred after the D bank 4 resumes the business. Normally, the host computer 11 resumes operation sooner than the time when the second IC card 3 is used to deposit the account in the B store 8 using the ATM 12, so the transaction result at the settlement terminal 9 is the host computer 11. Have been sent to. Therefore, the transaction result can be verified immediately at the time of deposit processing at the ATM 12. However, when the transaction result is not transmitted to the host computer 11 due to the reason that the settlement terminal 9 is powered off because the B store 8 is on a holiday, at the time of deposit processing at the ATM 12, “temporary deposit” is made. ", And the official deposit is made when the transaction result is sent from the settlement terminal 9 later. Therefore, the settlement terminal 9 may be separated from the bank. This is the same as in the conventional check transaction, even if you hand over the check at the bank counter and enter it in the passbook, you cannot withdraw as cash until the contents of the check are confirmed and the funds are settled between the banks. is there.

Further, in order to guarantee the legitimacy of the amount of money to be moved, a space between the C bank 2 and the first IC card 1, a space between the first IC card 1 and the second IC card 3, and a second IC card 3 An electronic signature may be added to the amount of money to be transferred between each of the above and the D bank 4. This can be easily realized by using the calculation function of the IC card. In this case, the host computer 11 can confirm the legitimacy of the deposit only by verifying the signature added to the amount sent from the second IC card 3, so that the online via the communication line 10 is possible. It is not necessary (or offline) to receive the transaction result from B Store 8.

Further, as a feature of using the IC card, the B shop 8 can use the second IC card 3 for another payment, which improves the distribution of electronic money data.

FIG. 2 is an external view of the settlement terminal 9 used in the settlement system of the present invention. The first IC card 1 is in the first insertion slot 14 and the second IC card 3 is in the second insertion slot 1
5, the owner of the first IC card 1 can input the personal identification number from the PIN pad 17. When the owner of the second IC card 3 (B shop in this embodiment) presses the confirmation button 23 of the settlement terminal 9, the amount of money held in the second memory of the first IC card 1 is displayed. If the full amount button 22 is pressed, the amount of money held in the second memory of the first IC card 1 is transferred to the second IC card 3. 18 is a PIN pad code. The progress and results of this processing can be confirmed on the display 19. Further, the transaction result is stored in the memory in the main body 20 of the settlement terminal 9, and then, via the telephone cord 21, the host computer (1 in FIG. 1) of the bank.
It is transferred to 1).

Here, it is not necessary to insert the second IC card 3 every time payment is made, and the second IC card 3 may be built in the payment terminal machine 9. In this case, the second IC card insertion slot 15 of the payment terminal 9 is unnecessary, while the second IC card 3 has a shape other than the card as long as it has the same function. May be. However, it is necessary to be physically safe so that the data stored inside is not tampered with unfairly. In addition, when the B store 8 deposits, the settlement terminal 9 is brought to the bank, so it is desirable that the size is portable.

FIG. 3 is a block diagram of the payment terminal 9 used in the payment system of the present invention. The first IC card 1 is inserted into the first IC card reader / writer (hereinafter referred to as R / W) 22 via the first insertion slot 14. Second IC
The card 3 is inserted into the second IC card R / W 23 via the second insertion slot 15. The owner of the first IC card 1 operates the keypad 16 in a predetermined procedure while confirming the contents displayed on the display 19, and the PI
When the personal identification number of the first IC card 1 is input through the N pad 17, the CPU 24 sends the password through the system bus 25.
Funds are transferred from the first IC card 1 in the first IC card R / W 22 to the second IC card 3 in the second IC card R / W 23, and the transaction result is stored in the memory 26. It Further, the transaction result stored in the memory 26 is sent to the bank via the modem 27 and the communication line 10. The backup power supply 28 is designed to ensure that normal processing can be completed even in the event of a power failure during processing.
Power is supplied to the U24 and each input / output device. The memory 26 is a memory that stores programs, a memory that stores temporary information during processing,
It can be divided into a memory that stores transaction results. Of these, the memory that stores transaction results can be electrically erased for safety, but its contents remain even if the power is turned off. EEPROM (El
electrically erasable program
Able Read Only Memory) is used. Further, since the encryption logic is incorporated in the CPU 24 and the data of the memory for storing the transaction result is the encrypted data, it is impossible to falsify the data by the malicious intention. Even inside, safety and security of data are taken into consideration.

Similarly, in the IC card 1 or 3, security is enhanced by incorporating an encryption logic.

In this embodiment, the ATM 5 or 12 is used as the input device for the IC card at the bank.
Any device having a similar function may be used. Although the case where the two banks are connected by the BANKS net 13 has been described, they may be connected by a dedicated line directly connected or another network such as MICS net. One or both banks 2 or 4 may be a post office or another financial institution. It does not have to be between two banks or post offices, but may be within the same bank or post office. Furthermore, instead of the payment terminal 9 being in the B store 8,
It may be in one or both banks or post offices.

[0023]

As described above, the present invention can realize a settlement system using a medium such as an IC card which is convenient and has high security. Therefore, there are various problems in the case where settlement by cash or check is used in the conventional example. That is, it is possible to solve the problems of being bulky, cumbersome to count, lacking in quickness, low security, and high risk of crime. Furthermore, by setting the amount of money to be paid by an individual in the IC card in the mobile terminal device in advance, the shop side can simplify the process in the data transfer terminal device and can transfer electronic funds with high security.

[Brief description of drawings]

FIG. 1 is a block diagram of a payment system using a data transfer system according to an embodiment of the present invention.

FIG. 2 is an external perspective view of a payment terminal used in the payment system according to the embodiment of the present invention.

FIG. 3 is a block diagram of the payment terminal.

[Explanation of symbols]

 1 1st data carrier 3 2nd data carrier 5 ATM (1st terminal device) 7 1st host computer 9 settlement terminal (data transfer terminal device) 11 2nd host computer 12 ATM (2nd terminal) Device) 14 mobile terminal device

Claims (3)

[Claims] 1. A first and second data carrier which is portable and has at least a coupling means with a terminal device, a rewritable first non-volatile storage means and a second non-volatile storage means, and a computing means. And a mobile terminal device that receives the data carrier and a data transfer terminal device that receives the first and second data carriers, the first data carrier being coupled to the mobile terminal device, Part or all of the data stored in the first non-volatile storage means of the data carrier is transferred to the second non-volatile storage means of the first data carrier, and then the first data carrier and the second non-volatile storage means. Data carrier of the first data carrier is coupled to the data transfer terminal device, and all the data stored in the second non-volatile storage means of the first data carrier is transferred via the data transfer terminal device. Data transfer system for transferring the data carriers of the non-volatile memory means. 2. A data carrier which is portable and has at least a coupling means with a terminal device, a rewritable first non-volatile storage means and a second non-volatile storage means, and a computing means, and the data carrier. A part of data stored in the first non-volatile storage means of the data carrier, the mobile terminal device receiving the data carrier, and the data transfer terminal device receiving the data carrier; Or all of the data transferred to the second non-volatile storage means of the data carrier, then the data carrier is coupled to the data transfer terminal device, all of the data stored in the second non-volatile storage means of the data carrier A data transfer system for transferring data to the data transfer terminal device. 3. A data carrier having at least a first non-volatile storage means and a second non-volatile storage means, and an external input means, wherein the owner of the data carrier operates from the external input means. A mobile terminal device that transfers predetermined data from a first non-volatile storage means of a data carrier to a second non-volatile storage means in accordance with an input personal identification number and a command.