JPS60233771A - Ic card system - Google Patents

Abstract

PURPOSE:To reduce a load on the function side of a terminal device and a load on the operation at transaction and to improve the efficiency of the transaction, by storing a program of a transaction processing procedure which is so far incorporated to a terminal device to an IC card. CONSTITUTION:A ROM2 of an IC card stores program of a transaction processing procedure and its number and a version number which are so far incorporated to a terminal device in addition to an ID mark, a bank number, an account number, etc. When the IC card is put into a card slit of a terminal device, the data which specifies an account of transaction is read out of the ROM2. Then the terminal device identifies the account. When a transaction permitting telegram is received from the terminal device based on the result of said identification, the program of the transaction procedure is read out of the ROM2 and sent to the terminal device. The terminal device identifies the program number, the version number, etc. and carries out a desired transaction according to the program in case the transaction is permitted. Therefore, the load at the side of the terminal device and improve the efficiency of transactions is reduced.

Description

TECHNICAL FIELD OF THE INVENTION The present invention relates to an IC card system, and in particular, to a transaction processing procedure program of a terminal device, data for specifying such a program, and change stages of such a program. an IC card that stores data for displaying a transaction processing procedure, and a terminal device that communicates with such an IC card and stores data that specifies a program for an executable transaction processing procedure, and data that displays a change stage of the program. The present invention relates to an IC card system consisting of the following.

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 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 A
TM (Auto+atic Teller Mac
hine) and CD (Cash D 1spenser)
), etc., and enter the data necessary for the transaction, such as the PIN, transaction type, transaction amount, etc., into the terminal by operating the keyboard or other input means according to the prescribed procedure. . 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.

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 these trends increase, AT
Terminal devices such as M must also be equipped with functions and programs that can handle all types of transaction processing, increasing the functional burden on each terminal device.

Furthermore, since current magnetic cards only have the ability to identify the customer, customers are forced to follow uniform transaction processing procedures required by the terminal equipment every time they make a transaction, which can be difficult for customers to do. This means that the number of selection elements and operation procedures when operating a terminal device increases and becomes more complex.

As a result, the number of operational responsibilities for customers increases during transactions, which can be confusing for customers.
Measures are taken such as providing a display means such as RT on the terminal device to show the transaction procedure and selection elements to the customer. However, such auxiliary means have limitations, and there is a problem in that it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, which reduces the efficiency of transaction processing. .

For this reason, it is desirable to store a program of transaction processing procedures that can be executed by the terminal device, which has conventionally been built into the terminal device, and furthermore, at the time of transaction, the transaction processing program stored in the IC card It is desirable that the terminal device be able to execute a transaction only when it is included in executable transaction processing, and to be able to terminate the transaction when there is no match.

゛Also, the transaction processing procedure program may be partially updated, for example, the data for determining the expiration date of the card may be partially updated, and generally the transaction processing procedure that can be executed by the terminal device is updated. The programs are the latest. Therefore, a transaction can be executed only 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, and if they do not match, the transaction is terminated and the program is restarted. It is advisable to inform the customer that it has not been updated.

However, conventionally used magnetic cards have a certain limitation in terms of storage capacity, and there is a problem in that one card can only store identification information of one financial institution.

OBJECTS OF THE INVENTION Therefore, the main object of the invention is to overcome the above-mentioned disadvantages 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. This reduces the burden on equipment, which consists of an IC card that stores data and a terminal device that communicates with such an IC card and can determine whether or not the program stored in the IC card can operate. At the same time, it is possible to reduce the operational burden on customers during transactions, and it is also possible to
To provide an IC card system capable of indicating to a customer when the program of a C card has not been updated.

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), a transaction processing procedure program for operating the terminal device of the own financial institution to execute transaction processing, and data specifying such a program ( A storage area is provided that stores a program number (hereinafter referred to as program number) and data indicating the change stage of such program (hereinafter referred to as version number).
Read the above-mentioned program, program number, and version number from the IC card, and determine whether or not they match the program number/number and version number of the executable transaction processing procedure of the terminal device, and if they match. The system is configured so that the read program can be executed only occasionally.

Therefore, according to the present invention, by using an IC card that allows a customer to program transaction procedures in the customer's desired order, the customer can use any terminal device that can operate with the customer's own program. It is possible to execute a transaction based on the predetermined contents stored in the IC card even if the IC card is used, reducing the burden on the customer in terms of operations during transactions. By transferring the old transaction processing procedure program to an IC card, the terminal device only needs to have the minimum functionality necessary for a given type of transaction, and with that, it can handle all types of transactions within a given range. Be able to respond to processing. Furthermore, even if the programs on the terminal device match, if the version number executable by the terminal device and the version number of the program stored in the IC card do not match, the transaction will not be executed. The user can know that the program stored in his or her IC card has not been updated, and can redo the transaction after updating the program.

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. Memory such as 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 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. be.

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 supplying power (OV, +5V) from the terminal device to the CPU 1 of the IC card. 5f is for supplying the CPU1 reset signal, 5g is for supplying the cpui reset signal, and 5c is for supplying power for rewriting the ROM storage content only when rewriting the ROM storage content. Further, 58 and 5e are spare contacts. Furthermore, CPU1, ROM2 and RAM
3 and are interconnected by a data bus 4, and C
The PUI 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
h), 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 by embossing.

Next, FIG. 3 is a diagram showing a memory map of the ROM of an IC card constituting one embodiment of the present invention. In Figure 3, first, the ID mark unique to the bank, the bank number,
Data identifying the transaction account such as the account number is 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 1099 diagram showing the electrical configuration of an IC card terminal device that communicates with the IC card constituting one embodiment of the present invention shown in FIGS. 1 to 3. In FIG. 4, the IC card reader 9
It is a unit for communicating with the CPU 1 of the card via the contact point 5b, the CRTlo is a unit for displaying transaction procedures etc. to the customer, and the keyboard 11 is used for inputting a PIN number and payment amount. This is a unit for customers to communicate with the center, and is a unit for issuing slips Ia12.
is a unit for issuing a slip upon receipt of withdrawal permission from the center, and the bill dispensing machine 13 is a unit for paying cash to a customer. Each of these units is
It 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 is an external perspective view of the IC card terminal device shown in FIG. 4. In FIG. 5, the main body 16 of the IC card terminal device has a TC card insertion slot 1 on its vertical surface.
A CRT 19 and a keyboard 20 are provided on the horizontal surface, that is, the operation panel.
is provided. The TC card insertion slot 17 is for a 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 only open when making a payment. It has become. Further, the CRT 19 is used to display operating procedures to the customer, and the keyboard 20 is used to input a personal identification number and a billing amount.

Next, FIG. 6 is a diagram showing a memory map of a storage means provided in an IC card terminal device constituting an embodiment of the present invention. 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. Further, a version number is also stored corresponding to each program number, and generally these version numbers are the latest ones. Therefore, even if the program number of the program received from the IC card corresponds to a program number executable by the terminal device, the program cannot be executed unless the version numbers match. Next, a storage program buffer is provided, which is used to temporarily store the storage program read from the IC card.

Next, FIG. 7 is a flow diagram for explaining the specific operation of the IC card system which is 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 7.

First, a customer goes to his or her own bank with an IC card constituting an embodiment of the present invention shown in FIGS. 1 to 3. Next, the customer inserts his or her IC card into the IC card insertion slot 17 of the IC card terminal device provided at the bank (step (S) 1.13). 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 an ID mark, bank number, and account number, and data that specifies the transaction account, as shown in the memory map of FIG. The data is read from the ROM 2 and transmitted to the IC card reader 9 of the terminal device via the contact 5b (S14).

Next, on the terminal device side, the IC card reader 9
Receives data such as ID mark, bank number, account number, etc. transmitted from the IC card via contact 5b (S
2). Then, the main control unit 8 determines whether or not the data identifying the financial institution with which the terminal device belongs, such as an ID mark, matches the identification data unique to the financial institution to which the terminal device belongs (among these received data). S3). As a result, if the ID marks do not match, the main controller 8 sends the CRT 19 [
511), and then returns the IC card to the customer and ends the transaction (812).
. Further, if the ID marks match, the main control unit 8 determines that the transaction can be continued, generates a transaction permitting message, and sends it to the ID card (S4).

Next, on the IC card side, the CPUI determines whether a transaction-enabled message has been received (815). If the transaction-ready message is not received, the transaction ends, and if the transaction-ready message is received, the R
The transaction processing procedure storage program stored in OM2 is read out and sent to the terminal device (816).

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 (511), and then sends the IC card to the customer. Return it and complete the transaction (812).

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 the program number and version number of the stored program stored in the ROM 2 and sends them to the terminal device (317). The IC card ends its role by sending this message.

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. A judgment is made (S8). As a result, if the corresponding program number does not exist, the main control unit 8
19 to notify the customer that the transaction is not possible by displaying a message saying ``Transactions are not possible with this card.811)
, and then return the IC card to the customer and complete the transaction (
812). 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 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 (511), and then sends the IC card to the customer. Return the transaction and complete the transaction (S12>. If the version numbers match, the main control unit 8 determines that the transaction can be continued, and thereafter withdraws money according to the transaction processing procedure program stored in the stored 10-gram buffer. Transaction processing such as deposit, transfer, etc. can be executed (810).

Further, when the execution of the transaction process is completed, the IC card is returned to the customer (S12), thereby completing all transactions.

As described above, according to this embodiment, the transaction processing procedure program conventionally built into the terminal device can be transferred to the own IC.
By storing information on the card, the terminal device only needs to have the minimum functionality required for a given type of transaction.
This alone makes it possible to handle all types of transaction processing within a predetermined range. Additionally, customers can easily conduct transactions based on the predetermined content stored on their IC cards using terminal devices that can operate with their own programs stored on their IC cards, improving transaction efficiency. can do. In addition, when the version number of your own program does not match the terminal device, the terminal device will indicate to the customer that transactions are not possible, and the customer will thereby know that his own program has not been updated, and after updating the program. It becomes possible to start the transaction again.

[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 diagram showing a memory map of the terminal device shown in FIG. 4. FIG. 7 is a flow diagram for explaining the operation of the IG card system which is an embodiment of the present invention. In the figure, 1 is CPtJ, 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 a TC card reader, 10.
19 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, 17 is an I
A C card insertion slot, 18 indicates a slip bill extraction slot. (2 idiots) 1 center 2゜ heart/diagram

Claims (1)

[Claims] An IC card system comprising an IC card used for financial transactions and a terminal device communicating with the IC card, wherein the IC card includes: a first IC card storing a program for transaction processing procedures; a second storage area storing first data specifying the program; and a third storage area storing second data indicating a change stage of the program. The terminal device includes a data storage means, a readout means for reading out stored contents from the first data storage means, and a third data storing means for specifying at least one program of an executable transaction processing procedure. 4 storage areas,
a fifth stored with fourth data representing a modification stage of at least one program of said executable transaction processing procedure;
a second data storage means including a storage area; the first data read by the succession means; and the third data storage means;
and when the second data read by the reading means and the fourth data match, the program read from the first data storage means by the reading means. An IC card system comprising a program execution means for executing a program.