JPS60220463A - Ic card system - Google Patents

Abstract

PURPOSE:To improve the efficiency of transaction at terminal equipment by enabling said equipment to select an account for transaction out of plural accounts of transaction, and to execute transaction selecting other accounts of transaction again when the balance of selected account of transaction is short. CONSTITUTION:A data storing area in which plural accounts of transaction of banking organs are specified is provided in an IC card having a ROM2, RAM3, which are data storing devices, and a CPU1, a data processing device. When transacting business, even if a customer has accounts of plural banking organs using a terminal equipment consisting of units 9-14, shown in the figure, connected to a main controlling section 1, the customer can execute a desired transaction by possessing an IC card stared by all data that specify these accounts, and selecting the desired account by a terminal equipment for IC card installed in the bank when transacting business.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field of the Invention This invention relates to an IC power system, and more particularly, to an IC power system.
an IC card having a storage area that stores data specifying transaction accounts of multiple financial institutions such as credit companies;
You can select an account to execute a trade from among these multiple trading accounts, and if the balance in the selected account is insufficient, you can subsequently select another account to execute the trade. The present invention relates to an IC card system comprising an IC card terminal device.

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 ``P'' installed there.
, 7' M (Automatic Teller
Machine) and CD (Ca5h D 1spen)
Insert your card into a transaction terminal, such as a transaction terminal such as a mobile phone, and operate the input means such as a keyboard according to the prescribed procedures to enter the data necessary for the transaction, such as your PIN, transaction type, transaction amount, etc., into the terminal. input. 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. given to the 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 own bank, on a terminal at Bank of Japan, 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. Further, 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 of Japan.

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 further increase in the future.

In this way, when each person owns multiple carts and multiple financial transaction accounts, handling and storage of cards becomes complicated, such as selecting the wrong card to use, and even losing the card. The situation is also expected.

In order to prevent such situations, each card can store the data of the trading accounts of all the financial institutions that each person deals with, and when making a transaction, the user can select only the account from among these accounts to carry out the transaction. It is desirable for the customer to be able to execute the transaction by selecting another account, and furthermore, if the balance in the selected account is insufficient, it is desirable to give the customer an opportunity to select another account again, rather than immediately canceling the transaction.

However, conventionally used magnetic cards have a certain limitation in storage capacity, 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. When trading, you can select an account to trade from among multiple trading accounts and execute the transaction, and if the balance in the selected trading account runs out, you can select another trading account again. An object of the present invention is to provide an IC card system that allows transactions to be carried out using

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, RA
M) and a data processor stage (CP, U)
The card is provided with a data storage area that stores data specifying the transaction accounts of the customer's multiple financial institutions, and when making a transaction, the customer uses a terminal device to specify the account of the financial institution with which the customer intends to make the transaction; The data specifying the specified account can be read from the storage area of the IC card to execute the desired transaction, and furthermore, if the center determines that the specified account has insufficient funds, the customer will be notified of the insufficient balance. The system is configured so that the user can be informed of the transaction account and have the user select a trading account again.

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,
Desired transactions can be executed, thereby eliminating the need to carry multiple cards as in the past, and eliminating the complexity of handling and storing cards.

Furthermore, according to the present invention, if the balance of the selected account is insufficient, it is possible to reselect another account from among the own trading accounts and execute the transaction, and even in such cases, the transaction can be executed. There is no need to start over from scratch (it can improve the efficiency of terminal operation).

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 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 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. On the other hand, IC cards have a large storage capacity compared to conventional magnetic cards, and are programmed so that they cannot be read easily, so there is no need to worry about the stored information being deciphered by others.
The reason is that it is highly safe. 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. Among these contacts, 5b is for data communication between the IC card and the terminal device, and 5d and 5h are for power supply (OV, +5V) from the terminal device to the IC card's CPU1. 5f is for supplying the CPU 1 clock signal, 5g is for supplying the CPU 1 reset signal, and 5c is for the 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, 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 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
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. A display section 7 is provided that displays the cardholder's name and the like by embossing.

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 consists of data that Third
In the figure, 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, FIG. 4 is a schematic block diagram showing the electrical configuration of a terminal device that communicates with an IC card constituting an embodiment of the present invention shown in FIG. 1 and FIG. 3. In FIG. 4, the IC card reader 9 reads the CP of the inserted IC card.
It is a unit for communicating via the UI and contact point 5,
The CRTlo is a unit for displaying transaction procedures etc. to the customer and allowing the customer to select the desired trading account. is a unit for communicating with the terminal device, and the slip issuing machine 12 is a unit for issuing slips upon 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 the main control section 8 via an internal data bus, and the main control section 8 controls the operations of these units. 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, I
The main body 16 of the C card terminal device has an IC on its vertical surface.
A card insertion slot 17 and a bill withdrawal slot 18 are provided, and a CRT 19 and a keyboard 20 are provided on the horizontal surface, that is, the operation panel. IC card insertion slot 1
Reference numeral 7 is for the customer to insert an IC card at the time of transaction, and the slip bill outlet 18 is for handing over cash and slips to the customer at the time of withdrawal, and is opened only at the time of withdrawal. Further, the CRT 19 is used to inform the customer of operating procedures, etc., and the keyboard 20 is used to input a number corresponding to a desired transaction account, a personal identification number, and the amount to be paid.

Next, FIG. 6 is a schematic block diagram for explaining connections between centers of a +C card system which is an embodiment of the present invention. In Figure 7, 21°22.23 and 2
4 indicates the center of each bank, and each center has terminal line control devices 21a and 22a.

23a and 24a, and the center opening line control device 21b
, 22b, 23b and 24b, and the center CPU2
1c, 22c, 23c and 24c, and customer-specific information files (personal files) 21d, 22d, 23d and 24d.

Furthermore, each center is provided with a plurality of terminal devices. For example, the center 21 is connected to a plurality of terminal devices including the terminal device ff121e, and the line connection between the terminal devices and the center is controlled by the terminal line control device 21a. The transaction account data received from the terminal device 21e is given to the center CPU 21C, and if the received transaction data is related to a transaction with the bank, the CPU 21C searches and updates the customer information file 21d to process the transaction. . Further, if the received transaction data is related to a transaction with another bank, it is transferred to the corresponding other bank using the center opening line control device 21b and the communication line 25, 26 or 28. The center CPUs of other banks that have received the transferred transaction data can search and update customer-specific information files based on the received data and execute transaction processing.

Next, FIGS. 7A and 7B are flowcharts for explaining an example of a specific transaction process of an IC card system according to an embodiment of the present invention.

Next, the specific operation of one embodiment of the present invention will be described with reference to FIGS. 1 to 7B.

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, the bank need not be the bank with which the user directly conducts transactions.

Next, the customer inserts his or her IC card into a terminal device provided at each bank (step (S) 1). Then, CPtJl constituting the IC card shown in FIG.
, ROM2 and RAM3 are supplied with power (S2
). 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 (S3). Here, the account number refers to the number from 1 to 0 assigned to each account 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 enters on the keyboard 20 the number corresponding to the bank account with which he/she wishes to conduct the transaction according to the display on the CRT 19.
is input into the terminal device using (S4). The entered account number from 1 to n is temporarily stored in the terminal device (S5), and is transmitted to the IC card's CPU 1 as a start message together with a start mark via contact 5b (
$6).

The IC card side that received this message judges whether or not the received message is a start message (832), and if it is a start message, stores the specified bank account number in RAM3 (832).
, 833). Then, CPU 1 determines whether the account flag in ROM 2 corresponding to this account number is on (334), and if it is found not to be on, CPU 1 displays that transaction is not possible according to the program stored in ROM 2. A signal is generated and transmitted to the IC card reader 9 of the terminal device (S35). Furthermore, 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 sends it to the IC card reader 9 of the terminal device (83
6). 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 will disable the transaction by returning the IC card to the customer. If the message sent from the IC card is detailed account details data, the terminal device stores these account details (S9).

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 (31
0). The IC card side that receives this must judge whether the received message is an encryption request or not (537), and if it is an encryption request, the IC card must use the
The terminal device that receives this reads out one code and sends it to the IC card reader 9 of the terminal device (33B>).The terminal device that receives this judges whether the received message is a code or not (S11).If it is a code, the next step is The customer inputs the code into the terminal device using the keyboard 20 (812), and then the customer inputs the billing amount into the terminal device using the keyboard 20 (313).Then, the code is stored on the terminal device side. ,
Detailed data of the relevant account read from the IC card,
The payment request amount and code determined by the key person are the bank's center to which the relevant account belongs (for example, the first
The first center searches personal files according to these data and determines whether the requested payment amount is less than or equal to the account balance (S'15
). As a result, if the requested payment amount does not exceed the account balance, the payment amount is withdrawn (S16) and the transaction is completed.

Furthermore, if the requested payment amount exceeds the account balance, the terminal device uses the CRT 19 of the terminal device to display to the customer that the account balance is insufficient (817). Further, the terminal device instructs the customer to select and input the number of an account other than the first account (818), and the account number input by the customer is temporarily stored in the terminal device (818). 82
0), and is transmitted to the IC card CPU 1 via the contact 5b along with the start mark as a start message <821). The IC card side that received this message judges whether the received message is a start message or not (839), and if it is a start message, stores the specified bank account number in RAM3 (839).
40). Then, CPU1 judges whether the account flag in ROM2 corresponding to this account number is on (841), and if it is found not to be on, CPU1
According to the program stored in 2, a signal indicating that transaction is not possible is generated and transmitted to the IC card reader 9 of the terminal device (842). Additionally, if the corresponding account flag is found to be on, the CP and UI read out all detailed account content data such as the account number and expiration date of this account and send it to the IC card reader 9 of the terminal device (343).
. On the terminal device side that receives these transaction impossible messages or account content messages, if the IC message sent from the IC card indicates that transactions are impossible, the transaction can be canceled 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 (824).

Then, the detailed data of the corresponding account read from the IC card, which is recorded on the terminal device side, the payment request amount entered manually, and the code are sent to the center of the bank to which the corresponding account belongs (here, the second center) is sent to (825>
, the second center searches the customer information file according to these data, and determines whether the billed amount does not exceed the account balance. As a result, if the requested payment amount exceeds the account balance, the terminal device will display to the customer that transactions are not possible (527), and if the requested payment amount does not exceed the account balance, the terminal device will issue an instruction to authorize withdrawal. given to the device. The terminal device that received this command is the slip issuing machine 1.
2 to issue a withdrawal slip (328), and bill dispenser 13
to pay cash to the customer (829). next,
The terminal device generates an end mark indicating the end of all communications and transmits it to the CPU 1 of the IC card (830).

The IC card side that receives this determines whether or not the received message is an end mark (844), and if it is an end mark, this ends all communications. After the payment to the customer is completed, the IC card is returned to the customer and all transactions are completed.

As described above, according to this embodiment, an IC card storing data specifying transaction accounts of a plurality of financial institutions with which the user transacts is used, and at the time of a transaction, a desired transaction account is selected by operating a terminal device. By doing so, you can execute the desired transaction, and if the balance in the selected account is insufficient, you can select another account from your own trading accounts and execute the desired transaction. . Therefore, the customer is 1
It is possible to eliminate the complexity of card handling and storage by having only one IC card in hand, and there is no need to restart the transaction from the beginning even if the balance is insufficient, improving the efficiency of terminal device operation. be able to.

[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 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. FIG. 6 is a schematic block diagram showing the connections between the centers of each bank. FIG. 7Δ and FIG. 7B are flowcharts for explaining the transaction operation of the IC card system which is an embodiment of the present invention. In the figure, 1 is CPU, 2 is ROM, ]; ILRAM
, 4 is the data bus, 5 is the contact, 6 is the IC card body, 7
is a display unit, 8 is a main control unit, 9 is an IC card reader, 10
．． 19 is a CRT, 11.20 is a keyboard, 12 is a slip issuing machine, 13 is a bill ejection machine, 14 is a line control unit, 15 is an input/output terminal, 16 is an IC card terminal device body, 17 is a card insertion slot, 18 21.22.2 is the slip bill outlet.
3゜24 is the center, 25.26.27, 28, 29゜3
0 indicates a communication line. (2 others) Atsushi Figure 3 (ROM) Figure 5

Claims (1)

[Scope of Claims] A system comprising an IC card used for financial transactions with a plurality of financial institutions, a terminal device that communicates with the I'C card, and a center device provided for each of the plurality of financial institutions. An IC card system, wherein the IC card is provided with a data storage means including a storage area for storing data specifying transaction accounts of the plurality of financial institutions, and the terminal device is configured to perform transactions of the plurality of financial institutions. The IC card further includes: an account specifying means for specifying an account from among the accounts for which a transaction is to be executed; transaction account data output means for reading out data specifying the account designated by the account designation means and sending it to the terminal device, the terminal device further comprising: withdrawal amount information input means for inputting withdrawal amount information; transaction data transmitting means for transmitting the withdrawal amount information and data specifying the designated account to a center device in which the designated account is lost; the center device includes: a central file; and an account balance verification means for determining whether the balance is less than or equal to the specified account balance stored in a central file, and generating and transmitting a balance insufficient notification signal to the terminal device when the balance exceeds the balance; The terminal device is further configured to, in response to the insufficient balance notification signal, specify an account for executing a new transaction from among the plurality of transaction accounts excluding the specified account, using the account specification means. An IC card system equipped with an instruction means for instructing customers.