JPS60214077A - Ic card system - Google Patents

Abstract

PURPOSE:To select an account to execute transactions by storing data of user's accounts of plural banking organs in one card. CONSTITUTION:A customer uses a keyboard to input a number corresponding to an account of a bank, where the should perform transactions, to a terminal equipment in accordance with the display on a CRT10. Inputted one of account numbers 1-(n) is stored temporarily in the terminal equipment, and it is transmitted as a start text together with a start mark to a CPU1 of this IC card through a contact 5b. When receiving this text, the IC card side discriminates whether the received text is the start text or not; and if it is the start text, the number of the designated bank account is stored in a RAM3. The CPU1 discriminates whether an account flag in a ROM2 corresponding to this number of the account is turned on or not. If the account flag is turned on, the CPU1 reads out all detailed account contents data such as the account number, the validation term, etc. and transmits them to an IC card reader 9 of the terminal equipment.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field of the Invention The present invention relates to an IC card system, and in particular to an IC card having a storage area storing data specifying transaction accounts of a plurality of financial institutions such as banks and credit companies; The present invention relates to an IC card system comprising an IC card terminal device capable of selecting an account to perform a transaction from among a plurality of transaction accounts and executing the transaction.

Description of 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 companies. . 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 A
TM (Auto+natic Teller Mac
l+ine> and CD (Qasl+ [) 1spen
Insert your card into a transaction terminal device such as a transaction terminal (e.g. ser), operate a keyboard or other input means according to established procedures, and enter data necessary for the transaction, such as your PIN, transaction type, transaction amount, etc., into the terminal device. do. 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, the center's file is updated according to this information, and the instruction to execute the transaction is sent to the terminal. equipment. As a result, various transactions are executed between the customer and the terminal device.

Furthermore, with the current online system, mutual access between banks has been realized, and it is now possible to withdraw money from an account at one's own bank using a terminal at 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 Bank A's center.
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 himself/herself selects and uses the one he/she needs from among them. It looks like this. This trend is expected to increase in the future. As described above, when each person owns a plurality of cards, handling and storage of the cards becomes complicated, such as making a mistake in selecting the wrong card to use, and it is also expected that the card may be lost. In order to prevent such situations, one card can store the data of all the trading accounts of each financial institution, and when making a transaction, you can select only the account to execute the transaction from among these accounts. It is desirable to be able to do so. However, conventionally used magnetic cards have a certain limitation in storage capacity of one ton, and there is a problem in that one card can only store information about one financial institution.

OBJECTS OF THE INVENTION Therefore, the main objects of the present invention are to provide an IC card that can store transaction account data of a plurality of transaction financial institutions on one card, and a terminal device that communicates with such an IC card. To provide an IC card system which is made up of (14) and allows a transaction to be executed by selecting an account to conduct a transaction from among a plurality of transaction accounts stored in an IC card at the time of transaction.

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, RA
M) and an IC card having a data processing means (CPU) is provided with a data storage area that stores data specifying the transaction accounts of multiple financial institutions with which the transaction is made, and at the time of transaction,
A customer uses a terminal device to designate an account at a financial institution with which he or she intends to conduct a transaction, and the data identifying the designated account is sent to the IC.
The card is configured so that it can be read from the storage area of the card and executed as desired.

Therefore, according to the present invention, even if a person has transaction accounts with multiple financial institutions, he or she can carry one IC card that stores all the data that specifies those transaction accounts, and when making a transaction, the person must contact the bank. By selecting the desired transaction account using the equipped IC card terminal device,
Transactions can be executed, there is no need to carry multiple cards as in the past, and the complexity of handling and storing cards can be eliminated.

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 a tC card system which is 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 includes at least memory such as ROM and RAM.
Contacts for communicating with the CPU and terminal devices (usually 8)
It has a built-in.

Conventional magnetic cards have a small storage capacity and are easy to decipher stored information. Compared to conventional magnetic cards, IC cards have a large storage capacity and are highly secure, as they can be 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 also possible for the IC card itself to issue a request on its own initiative.

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 supplying power (OV, +5V) from the terminal device to the CPUI of the IC card. 5f is for supplying the CPU1 reset signal, 5g is for supplying the CPU1 reset signal, 5c is for RO
This is to supply power for rewriting the ROM memory contents only when rewriting the M memory contents, and 5a and 5e.
is a spare contact. Furthermore, CPU1, ROM2 and R
AM3 is interconnected by a data bus 4, and CPU 1 controls the operation of each side component.

Next, FIG. 2 is a plan view of an IC card constituting an embodiment of the present invention. In FIG. 2, the IC card body 6
Contacts 5 (contacts 5a to 5 in Figure 1) are located on the front panel of
11), and these contacts are connected to the IC card reader on the terminal device side when the IC card 6 is inserted into the terminal device. Further, the IC card 6 is provided with a display section 7 on which the name of the card holder is displayed in embossed form.

Next, FIG. 3 is a diagram showing a memory map of an IC card constituting an embodiment of the present invention, which specifies the transaction accounts of multiple transaction banks of the IC card stored in the storage area of ROM2 of the IC card. It is composed of J data. In FIG. 3, first, the second . . . . There is an n-th account flag, and the leading address of transaction account data corresponding to each account flag is stored for each account flag. Next, there is one common PIN number for each account, followed by detailed transaction data for the first to nth accounts.

Next, Figure 4 is shown in Figures 1 to 3! 1 is a schematic block diagram showing the electrical configuration of a terminal device that communicates with an IC card that constitutes one embodiment of the present invention; FIG. In FIG. 4, the IC card reader 9 reads the inserted IC card.
It is a unit for communicating with the PU 1 via the contact 5, the CRTlo is a unit for displaying transaction procedures etc. to the customer, and allowing the customer to select a desired trading account, and the keyboard 11 is a unit for displaying the transaction procedure etc. This is a unit for a customer to communicate with a terminal device when inputting money or entering a PIN number, and the slip issuing machine 12 is a unit for issuing a slip after receiving withdrawal permission from the center. The bill dispensing machine 13 is a unit for paying cash to a customer. Each of these units is connected to a main control section 8 via an internal data bus, and the main control section 8 controls operations on these units 1. Furthermore, the main control unit 8 connects to each bank's center C via a line control unit 14 and an input/output terminal 15.
Connected to PU (not shown).

Next, FIG. 5 is an external perspective view of an IC card terminal device constituting an embodiment of the present invention. In Figure 5,
The main body 16 of the IC card terminal device has an I on its vertical surface.
A C-card insertion slot 17 and a slip bill extraction slot 18 are provided, and a CRT 19 and a keyboard 20 are provided on the horizontal surface, ie, the operation panel. The IC card insertion slot 17 is for the customer to insert an IC card during a transaction, and the slip bill extraction slot 18 is for handing over cash and slips to the customer when withdrawing money, and is designed to be opened only when withdrawing money. It has become. In addition, the CRT 19 is used to instruct customers on operating procedures, and the keyboard 20
is used to enter the number corresponding to the desired transaction account, the PIN number, and the amount to be paid.

Next, FIG. 6 is a flow diagram for explaining an example of a specific transaction process of an IC card system which is an embodiment of the present invention.

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

First, the customer is shown in Figures 1 to 3 as follows: 1. :Go directly to the bank where you wish to conduct the transaction with your IC card in hand. The customer then inserts his or her IC card into an eight-screen terminal provided at the bank. Then, the first
Power is supplied from the terminal device side to the CPU 1, ROM 2, and RAM 3 that constitute the IC card shown in the figure via contacts 5d and 51). 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 is composed of a unique ID mark representing the bank to which the terminal device belongs and a bank number. On the IC card side that received this start message,
The ID mark and bank number contained in the received starting message are sequentially compared with the ID mark and bank number of each of the first to nth transaction accounts stored in the storage area of the ROM 2 shown in FIG. As a result, the IC card RO
Among the detailed data that identifies the accounts of multiple transaction financial institutions stored in M2, there is an account that includes an ID mark and bank number that correspond to the ID mark and bank number included in the received start message. If it is determined that the transaction is not possible, the CPU 1 generates a signal indicating that the transaction is impossible according to the program stored in the ROM 2, and
The data is transmitted to the C card reader 9. In addition, if there is a corresponding I/O in the accounts of multiple financial institutions stored in ROM
If an account containing the D mark and bank number is found, CP
U1 reads out all the 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 the message indicating that the transaction is not possible or the message that includes the relevant account details sent from the 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 it to the CPU of the IC card.
Transmit to 1. The IC card side that receives this determines whether the received message is a request for encryption or not. If it is a request for encryption, it reads out one code common to each account shown in the memory map in Figure 3 and sends it to the terminal device. It is sent to the IC card reader 9.

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 communication is ended 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 Kit7 card. First, a code is entered by the customer into the terminal device using the keyboard 20, and the entered code is received from the above-mentioned IC card. The main control unit 8 determines whether or not the code matches the code. Here, if the codes do not match, the IC card is returned to the customer and the transaction cannot be continued; if they match, the customer uses the keyboard 20 to input the billed amount into the terminal device. Then, the detailed data of the corresponding account read from the IC card and the payment request amount entered manually, which are stored on the terminal device side, are sent to the center of the bank to which this terminal device belongs.
At the center, files are searched and updated according to these data, and a command to allow withdrawal n' is given to the terminal device.

Upon receiving this command, the terminal device instructs the slip issuer 'a12 to issue a disbursement slip, and instructs 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 desired account is selected from a plurality of accounts stored in an IC card to conduct a transaction using a terminal device. 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, a customer goes to each bank with the IC card shown in FIGS. 1 to 3. Since the selection of an account for a transaction is made by operating a terminal device, this bank does not need to be the bank from which the customer directly makes a withdrawal. next,
A customer inserts his or her IC card into a terminal device provided 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 notifies the customer by displaying on the CRT 19 that an account number should be selected and input. Here, the account number refers to a number from 1 to n assigned to each of the multiple accounts stored in the storage area of ROM2 of the IC card, as shown in the memory map in Figure 3. It is assumed that each customer remembers this number and the bank name of the corresponding account.

Next, the customer uses the keyboard 20 to enter the number for the bank account with which he/she wishes to conduct the transaction in accordance with the display on CR page 19.
Any account number from n to (1, once stored in the terminal device, 0 as the start message) 1 mark and contact 5b
is transmitted to CI) Ul of the IC card. The IC card side that receives this message judges whether the received message is a start message or not, and if it is a start message, it records the 'fk number of the specified bank account in RAM3'. Then, Cl) IJ 1 determines whether the rl rJj -75 signal in ROM2 corresponding to this account number is on, and if it is found not to be on, CPU 1 disables the transaction according to the program stored in ROM2. A signal indicating the possibility 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 reads out all detailed account content data such as the account number and expiration date of this account and transmits it to the IC card reader 9 of the reading terminal device. On the terminal device side that receives the transaction-impossible message or the account details message, if the message sent from the IC card indicates that the transaction is impossible, the transaction can be completed by returning the IC card to the customer. Show the customer that it is not possible, and also
If the message sent from the C card contains detailed account content data, the terminal device stores these account details.

Next, in the terminal device, the main control unit 8 generates a message requesting a code and transmits it to the CPU 1 of the IC card. The IC card side that receives this determines whether the received message is a request for encryption or not. If it is a request for encryption, 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 IG card reader. The terminal device 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 CP LJ 1 of the IC card. . The IC card side that receives this judges whether the received message is an end mark or not, and if it is an end mark, 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 determination is not made at the terminal device, the code is sent to the center together with the billed amount, and the center determines whether the code matches.

As described above, according to this embodiment, when making a transaction, an IC card storing data identifying the transaction accounts of a plurality of financial institutions with which the user transacts is used. The desired transaction can be executed by selecting the desired financial institution by operating the . Therefore, the customer only needs to carry one IC card, which eliminates the complexity of card handling and storage.

[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 shows an I constituting an embodiment of the present invention.
FIG. 3 is a diagram showing a memory map of a C card. FIG. 4 is a schematic block diagram showing the electrical configuration of an IC card terminal device constituting an embodiment of the present invention. FIG. 5 is an external perspective view of the terminal device shown in FIG. 4. Figures 6 and 7
The figure is a flow diagram for explaining the transaction operation of an IC card system which 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, 10.1
9 is a CRT, 11.20 is a keyboard, 12 is a slip issuing machine, 13 is a banknote ejection machine, 14 is a line control unit, 15 is an input/output terminal, 16 is an IC card terminal device body, and 17 is an IC
A card insertion slot 18 indicates a slip bill extraction slot. Me 1 center 2 figure trouble L "Lice"

Claims (3)

[Claims] (1) I CjJ-do used for financial transactions and the above I
An IC card system comprising a C card and a terminal device communicating with the IC card, the IC card comprising a data storage means including a storage area for storing data specifying transaction accounts of a plurality of financial institutions, and the terminal device The device further includes: account designation means for designating an account to perform a transaction from among the transaction accounts of the plurality of financial institutions, and the IC card further includes: an IC comprising transaction data output means for reading data specifying the account specified by the account specifying means from among the data specifying the transaction account and sending it to the terminal device;
card system. (2) The account specifying means includes: a financial institution specifying data sending means for sending data specifying the financial institution to which the terminal device belongs to the IC card; and the transaction data outputting means sends data specifying the financial institution to which the terminal device belongs; reading means for responsively reading out data specifying an account of a financial institution to which the terminal device belongs from among data specifying transaction accounts of the plurality of financial institutions stored in the storage area; An IC card system according to claim 1. (3) The account designation means includes a data input means for inputting data specifying an account at a financial institution with which a transaction is to be executed, and the transaction data output means includes the following: reading means for reading data specifying the specified account from among data specifying transaction accounts of the plurality of financial institutions stored in the storage area in response to data specifying the account of the financial institution; Further, an IC card system according to claim 1.