JPS6175495A - Transaction system - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] [Technical Field of the Invention J] This invention relates to personal computers used for home banking systems in general stores, homes, and financial institutions, or automated transactions used to save labor at counter operations. Concerning transaction methods in devices, etc.

[Technical Background of the Invention and its Problems] Conventionally, automatic transaction devices or home banking systems in financial institutions have used cards with magnetic stripes as transaction media. However, in such a case, magnetic stripe memory book I (7
2 characters) is small.

For this reason, there was a drawback that only one account for a single financial institution could be stored, and in order to conduct transactions with other financial institutions, it was necessary to hold multiple cards.

[Purpose of the Invention] This invention was made in view of the above circumstances, and its purpose is to improve convenience for users by allowing users to select one of various payment methods for each transaction. Our goal is to provide an improved trading method.

[Summary of the Invention] In order to achieve the above object, the present invention provides a
One of a plurality of payment methods stored in the portable medium is selected, and a transaction is executed using the selected payment method.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

1 and 2 show the configuration of an IC card handling machine 10 in a home banking system as a terminal according to the present invention.

This IC card handling machine 10 is installed in a general store, for example. In other words, 11 is the CPU (central processing unit) that controls the whole thing.
, 12 is a keyboard for inputting data, 13 is a CRT display device, 14 is a ROM (read only memory) in which a control program is stored, 15 is a RAM (random access memory) in which data is stored,
16 is a dot printer that outputs various print data;
17 is a floppy disk device for storing and reproducing data on a floppy disk 19 inserted from a floppy disk insertion slot 18; 20 is for reading data in the memory of the IC card 1 inserted from a card insertion slot 21; 24 is an interface for online connecting the CPL 111 to the central processing unit 26 via a line 25; 41 is an interface for the customer to enter a PIN number, payment method, etc.; This is the customer input section. The IC card reading/writing section 20 and the customer input section 41 are for operation by the customer, and the other sections are for operation at the store, for example. The central processing unit 26 also includes an interface 27 for controlling data transmission, a host computer 28 for controlling data processing, and a transaction information file 29 for storing transaction information.

As shown in FIG. 3, the IC card 1 is provided with a connecting portion 2 on its surface, and includes, for example, a plurality of terminals 2.
It is composed of a,...2h. Above terminal 2a
is for the operating power supply voltage (+5V), terminal 2b is for grounding,
The terminal 2C is for a clock signal, the terminal 2d is for a reset signal, the terminals 2e to 2g are for data input/output, and the terminal 2h is for a power supply voltage (+21'V) for data writing.

Furthermore, as shown in FIG. 4, inside the IC card 1, there is a CPIJ (central processing unit) 3 for control, a control program, a password (for example, 4 digits), multiple payment methods, and data. etc. are recorded, including a data memory 4 composed of EEPROM or PROM, an interface circuit 5, and an RA for data processing.
It is composed of an M6 and a password verification section 7. Each of the above parts is composed of an IC chip and is provided on one substrate. Further, the interface circuit 5 and the connection section 2 are wired. The password verification section 7 verifies whether the password supplied from the outside and the password in the data memory 4 match. As shown in FIG. 5, the data memory 4 includes a recording area 4a where transaction codes with multiple banks are recorded, a recording area 4b where transaction codes with multiple credit companies are recorded, and a recording area 4b equivalent to cash. Debit data (cash data) with significant value
A recording area 4C is provided in which the information is recorded. The recording area 4a records bank codes and account numbers for multiple banks, the recording area 4b records credit company codes and membership numbers for multiple credit companies, and the recording area 4C records cash data. Multiple transaction dates and payable balances (transaction limits) are now recorded.

As shown in FIG. 6, the customer input section 41 includes a numeric keypad 42 for entering a password, a correction key 43 that is inserted when making a correction while entering a password, an input completion key 4° 4 that is inserted when the password entry is completed, and An input digit number display section 45 that displays the number of digits of the PIN code that you wish to input using the numeric keypad 42, a PIN input display 46 that notifies you when it is time to input your PIN code, an incorrect PIN indicator 47 that notifies you of an error in your PIN code, and a payment method for making payments. Selection key for selecting (financial institution, cash data on card)
It is composed of 48a, 48b, and 48c, and the IC
It is connected to the card reading/writing section 2o by a cable 23. The selection key 48a is a key that is input when selecting a bank as a financial institution for settlement, the selection key 48b is a key for selecting a credit company as a financial institution for settlement, and the selection key 48c is a key for inputting a bank. This is a key that is inserted when choosing to make a payment using debit data, that is, cash data (transaction limit) held in the IC card 1. The password input digit number display section 45 is composed of, for example, four LEDs.

The IC card reading/writing section 20 is connected to the main body of the card handling machine 1o by a cable 22. That is, as shown in FIG. 7, a transport path 31 is provided for transporting the IC card 1 inserted from the card insertion slot 21. The transport bus 31 is provided with a plurality of pairs of rotatable transport rollers 32, which are positioned so as to sandwich the IC card 1 from above and below when transporting it.

The pair of transport rollers 32 are provided along the transport bus 31 at equal intervals.

The distance from the center of each of these transport rollers 32 to the center of the adjacent transport roller 32 has the width dimension in the card transport direction. Therefore, the transport path 31 of the IC card 1 is defined by the transport guide 33.

Further, the CP in the IC card 1 is placed on the transport guide 33.
A reader/writer 34 is arranged to exchange data with U3. This reading/writing device 34 is electrically connected to the connecting section 2.

Next, in such a configuration, the transaction system of the present invention will be explained with reference to the flowchart shown in FIG. For example, a customer now inserts the IC card 1 into the 10σ card insertion slot 21 of the IC card handling area (STI).

Then, the IC card 1 is electrically connected to the reading/writing device 34 by the connecting section 2. As a result, the CPU 11 issues a message "Please enter your password" on the CRT display device 13 (Sr2). In response to this guidance, the customer enters the PIN number using the numeric keypad 42 (S
r3). In response to this input, the CPU 11 lights up the LED of the input digit number display section 42 corresponding to the input digit number.

Thereby, the customer confirms the number of digits of the password being inputted on the input digit number display section 42. When the customer finishes inputting the password of any number of digits, he or she presses the input completion key 4j. Then, the signal corresponding to the password entered above and the signal indicating the handling machine are sent from the CPU 11 to the CP.
tJ3. Thereby, the CPU 3 stores the supplied customer's password in the RAM 5. Then, C
The PU 3 causes the password verification unit 7 to verify the number of digits and number of the password entered in the RAM 5 and the password recorded in the data memory 4 (Sr1). As a result, if the number of digits and the number (contents) match, the password matching unit 7
A match signal is output to U3, and if the number of digits or numbers do not match, a match signal is output to CPU3 (Sr1 ”
).

Next, when the verification result from the password verification section 7 is a match, the CPLJ3 outputs a match signal to the CPUII, and when it is a mismatch signal, it counts up a mismatch counter (not shown) provided in the data memory 4, and stores this count value. is within a predetermined number of times (3 times), the CPU 11 sends a discrepancy signal for re-throwing Omachi.
When the count value reaches a predetermined value, the IC card 1 outputs an invalid mismatch signal to CPtJll.

As a result, when a mismatch signal is supplied, CPtJll:
It is determined that re-input of the PIN number or transaction using the IC card handling machine 10 is not possible, and the customer is notified to that effect (S
r5).

Furthermore, when a matching signal is supplied, CPUII performs transaction 1 by IC card handling TIIO, that is, central processing unit 26
It is determined that transactions with CRT display device 13 are possible.
``Please select the payment method from bank, credit, or debit (cash data) using the selection key.''
(Sr1). In response to this guidance, the customer selects a payment method using selection keys 48a, 48t) and 48c (Sr7). Then, when the CPU 11 determines that the bank selection key 48a is pressed (Sr8), the CRT
The display device 13 displays the message "Please select a payment method" and, as shown in FIG. 9, the bank codes and account numbers for multiple banks supplied from the recording area 4a of the data memory 4 is displayed (Sr1).

In response to this guidance, the customer uses the numeric keypad 42 to specify the bank account for which the payment will be made (ST10). Also, step 8
When the CPU 11 determines that the credit company selection key 48b has been pressed, the CRT display device 13 displays the message "Please select a payment method" and displays a plurality of information supplied from the recording area 4a of the data memory 4. The credit company code and membership number for the credit company are displayed (ST12). In response to this guidance, the customer uses the numeric keypad 42 to specify the credit company for which the payment will be made (ST13).

Then, by specifying step 10 or 13, CP
U11 issues a message "Please input transaction data" on the CRT display device 13 (ST14). In response to this guidance, the store employee inputs transaction data using the keyboard 12 (ST15). This allows CPL
lll outputs transaction data and payment data to the host computer 29 via the interface 24, line 25, and interface 27 (ST16).

Then, if the supplied payment data is compatible with this computer, the host computer 29 updates the contents of the corresponding account in the transaction information file 29, and if the supplied payment data is not compatible with this computer, The transaction data and settlement data are sent to the host computer of the corresponding bank or credit company.

When the above transaction is completed, CPtJll will transfer the transaction result to CP
Output to U3. Then, the CPU 3 causes the transaction result to be recorded in the data memory 4. After that, the CPU
11 causes the IC card 1 to be ejected (ST17).

Also, in step 7, the CPU 11 selects the debit selection key 4.
If it is determined that 8C is to be input, the CPU 11 issues a message "Please input transaction data" on the CRT display device 13 (ST18). In response to this guidance, the store employee inputs transaction data using the keyboard 12 (ST19). As a result, the CPU 11 receives the transaction limit amount (
Compare the latest payable balance) with the current transaction amount, and if you are satisfied (transaction limit > current transaction amount),
The balance calculated from "transaction limit - current transaction amount" and the transaction date and time are output to the CPLI 3, and the CRT display device 13 displays the message "The transaction is complete" (
ST20).

As a result, the CPLJ 3 additionally records the balance and transaction date and time in the recording area 4C in the data memory 4. After that, the CPU 11 causes the IC card 1 to be ejected (ST
21).

As mentioned above, transactions with multiple bank accounts, multiple credit companies, and transactions with debit data that have the same value as cash can be carried out with a single card without using multiple cards, and Customers can arbitrarily select one of a plurality of payment methods, which is convenient for customers.

In the above embodiment, a case was explained in which one host computer supports multiple payment methods, but the present invention is not limited to this, and transactions can be executed by connecting to each payment method via a telephone line. You can do it like this. In this case, a telephone number for calling the host computer (information processing center) of the corresponding financial institution is registered for each payment data. Generally speaking, an IC card is used, but a magnetic stripe card or a laser card may also be used.

[Effects of the Invention] As detailed above, according to the present invention, it is possible to provide a transaction method that allows a user to select one of various payment methods for each transaction and improves convenience for the user. .

[BRIEF DESCRIPTION OF THE DRAWINGS] The drawings are for explaining one embodiment of the present invention, and FIG. 1 is an external perspective view of a card handling machine, FIG. 2 is a schematic block diagram of the card handling machine, and FIG. 3 is a schematic block diagram of the card handling machine. The figure is an external perspective view of the IC card, Figure 4 is a block diagram schematically showing the configuration of the electric circuit of the IC card, Figure 5 is an example of data memory recording, and Figure 6 is the customer input section. FIG. 7 is a plan view showing the configuration, FIG. 7 is a cross-sectional view showing the configuration of the IC card reading/writing section, FIG. 8 is a flowchart for explaining the transaction method of the present invention, and FIG. 9 is a display example of the payment means. FIG. 1... IC card (portable medium), 2... Connect section, 3... -cpu, 4... Data memory, 4a1
4b, 4C... Recording area, 7... Password verification section, 1
0...IC card handling machine, 11...CPU, 13.
...CRT display device, 20...IC card reading/writing section, 24.27...Interface, 25.
...Line, 28...Host computer, 34...
Reading/writing device, 41...Customer input unit, 42...Numeric keypad, 48a148b, 48c-...Selection key. Applicant's agent Patent attorney Takehiko Suzue Figure 6 Figure 7 Figure 9

Claims (3)

[Claims] (1) In cases where a portable medium having multiple payment methods is used, when a transaction is executed using the portable medium,
A transaction method comprising: a selection means for selecting one of the plurality of payment means; and a transaction means for executing a transaction using the payment means selected by the selection means. (2) The transaction method according to claim 1, wherein the payment means is a plurality of payment codes for transactions with a plurality of financial institutions, and value data equivalent to cash. (3) The transaction method according to claim 1, wherein the portable medium is an IC card comprising a data memory, a CPU, and the like.