JP2000132746A - Ic card system having self-setting function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce processing performed by a terminal device and to easily enable exchange of information such as electronic money and points and service offering. SOLUTION: When an instruction including information such as an article price and transaction date and hour is supplied from a terminal device 2, the central processing unit 10 of an IC card 1 executes point processing 14, reads a point accumulated mark from point information 15 and a discount rate from an exchange table and calculates a payment product price from the article price, the discount rate and a tax rate. Then, the payment article price is compared with the balance of electronic money information 13, the payment product price is made a transfer amount and is transferred to the central processing unit 3 of the terminal device 2. The central processing unit 10 of the IC card 1 subtracts the transferred payment article price from the balance of the electronic money information 13 together with this transfer. A new point is calculated and stored in the point information after an appropriate time, needed information is sent to the terminal device 2 and the processing is finished.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an IC
The present invention relates to an electronic money transfer system suitable for use in an electronic wallet system for exchanging electric electronic money information and point information stored in a card, and in particular, an IC card with a self-setting function suitable for a service system using a point function. About the system.

[0002]

2. Description of the Related Art For example, some stores provide various kinds of premium services to customers according to the amount of shopping. In this case, the shop often issues point information based on the amount of shopping, issues a money right or gift certificate corresponding to the point information to the customer, or discounts the selling price of the product to provide services.

In a conventional electronic wallet system for exchanging electronic information such as electric electronic money and points which are effective electronic money in a limited range similar to this, exchange of points is performed, for example, in Japanese Patent Laid-Open No. 3-92966. As described in the official gazette, the terminal device reads out the electronic information recorded on the IC card, and calculates and controls the information.
For example, services such as exchange for goods have been provided. For this reason, when providing a service, be sure to add these electronic information to the terminal device,
The terminal device has to collect all necessary information and perform processing such as calculation.

[0004]

In the above prior art,
In exchanging electronic money and point information, the terminal device had to collect all necessary information. For this reason, it is necessary to calculate the actively changing, for example, the discount rate at the time of a transaction or the rate of giving points to the amount of used electronic money after the terminal device acquires the information. For example, in the case of performing a discount service on a product purchase price in accordance with the already acquired point value, in order to change the discount rate, the terminal device first acquires the product price, and then acquires the already acquired point. The value is obtained from the IC card, then the discount rate corresponding to the internally set point value is obtained, and the product price to be actually paid is calculated by multiplying the product price by the discount rate corresponding to the point value. It was necessary to inform the user. Furthermore, the terminal device notifies the user and then actually performs the payment associated with the payment.

In order to increase the rate of adding points according to the value of points already stored, the terminal device first obtains a product price, and then obtains the point value stored from the IC card. Obtain and then obtain the point addition rate according to the internally set point value, and calculate the point value to be added by multiplying the product price by the addition rate according to the point value Did not.

[0006] Further, for example, when the actual transaction amount is increased at a fixed interest rate such as a consumption tax, the terminal device first obtains the commodity price by calculating the increase amount.
Using the tax rate set in the terminal device, it is necessary to perform an operation for multiplying the product price by the tax rate.

When the point function has an expiration date, the terminal device reads out the expiration date of the points already accumulated from the IC card together with the expiration date for each point from the IC card, and executes the transaction. Depending on the date
After judging each score and its expiration date, a valid score must be added, and then a process according to the score has to be performed.

[0008] In addition, when the calculation processing of the actual payment amount according to the points is performed inside the terminal device, for example, if the calculation processing of the terminal device is different, the payment amount also differs depending on the terminal device. . For this reason, it is necessary to make the information such as the addition rate for calculating the points, the discount rate of the product, and the expiration date recorded in the terminal device equal between the terminal devices.

An object of the present invention is to solve such a problem and reduce the arithmetic processing performed by the terminal device,
It is an object of the present invention to provide an IC card system with a self-setting function that can easily exchange information such as electronic money and points.

[0010]

In order to achieve the above object, according to the present invention, by inputting commodity price information into an IC card, a central processing unit of the IC card recognizes the commodity price, The central processing unit refers to the balance of points held in the IC card by itself, and obtains a corresponding grant rate from a grant rate table pre-recorded on the IC card according to the balance of points. The central processing unit performs an operation of multiplying the product price by the obtained grant rate, and the central processing unit records the additional points of the calculation result in the internal balance of points.

Further, according to the present invention, by inputting commodity price information into an IC card, the central processing unit of the IC card recognizes the commodity price and calculates the balance of points held in the IC card. The central processing unit refers to itself,
The central processing unit executes an operation of obtaining a corresponding discount rate from a table of discount rates recorded in advance on the IC card according to the balance of the points and multiplying the product price by the obtained discount rate. Then, the IC card responds to the payment amount of the calculation result.

Further, according to the present invention, by inputting information on a transaction date to an IC card, a central processing unit of the IC card recognizes the transaction date and stores the information stored in the IC card. The central processing unit itself obtains the expiration date of the point, and the central processing unit itself performs a confirmation operation of comparing the obtained expiration date for each point with the input date of the transaction. It is configured that the central processing unit performs necessary processing on important points.

Further, according to the present invention, by inputting information of a commodity price and a tax rate to an IC card, a central processing unit of the IC card acquires the commodity price and the tax rate, and applies the tax rate to the commodity price. The central processing unit calculates the amount of payment to be multiplied, and calculates the amount of payment of the calculation result by the IC.
The card responds.

Further, the present invention uses an IC card having a plurality of functions such as electronic money and points to input a commodity price and a tax rate into the IC card, thereby confirming the expiration date, adding additional points, and checking the tax rate. In addition to the calculation of the payment amount to which the discount based on the points is applied, the central processing unit itself performs the settlement of the payment amount by the electronic money.

Further, according to the present invention, the IC card has data common to the system, such as a point grant rate required for the calculation, a discount rate of the product price, and a point expiration date. It is configured to be able to.

[0016]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a first embodiment of an IC card system with a self-setting function according to the present invention, wherein 1 is an IC card, 2 is a terminal device, 3 is a central processing unit, 4 is a display device, Is an input device, 6 is a terminal device program recording medium, 7 is a point processing program,
8 is an electronic money processing program, 9 is a transmission line, 10 is a central processing unit, 11 is a card program recording medium, 12
Is an electronic money processing program, 13 is electronic money information,
14 is a point processing program, 15 point information, 1
6 is an electronic money handling processing program, and 17 is a switching function unit.

In FIG. 1, this embodiment comprises a terminal device 2 and an IC card 1 which is detachably mounted on the terminal device 2 and connected by a transmission line 9. The IC card 1 has electronic money information therein, and the terminal device 2 is a mounted IC card 1 via a transmission line 9,
Write and read electronic money information.

The terminal device 2 includes the IC card 1 and the terminal device 2
And a display device 4 controlled by the central processing unit 3 to display characters and the like.
And an input device 5 for the user to input operation instruction information and the like, and a terminal device program recording medium 6 recording the control contents of the central processing unit 3. Is that the central processing unit 3
In particular, a point processing program 7 for performing a process of moving points each time the user uses the IC card 1 and an electronic money processing program 8 for performing a process of moving electronic money information each time the user uses the IC card 1
And are stored.

Further, the IC card 1 is
The central processing unit 10 includes a central processing unit 10 for performing data processing inside, a card program recording medium 11 in which a program defining the operation of the central processing unit 10 is stored, and a switching function unit 17. And terminal device 2
Transmission of control signals such as power supply and clock supply, reset control, etc., with the central processing unit 3 via the transmission line 9;
And data transmission and reception are performed.

The card program recording medium 11 has an electronic money processing program 12 for the central processing unit 10 to manage the electronic money information 13 of the IC card 1 and a central processing unit 10 A point processing program 14 for performing the management operation of the information 15 is stored. The point processing program 14 also includes an electronic money handling processing program 16 for moving electronic money information via the electronic money processing program 12. In.

The switching function unit 17 uses the switching control signal SC from the central processing unit 10 to perform either the processing by the electronic money processing program 12 or the processing by the point processing program 14 on the data transmitted to and received from the terminal device 2. At the same time as performing the operation of switching to the electronic money handling processing program 16.

The central processing unit 10 reads the electronic money processing program 12 and the point processing program 14 from the card program recording medium 11 and processes the electronic money information and the point information. The processing is performed by the central processing unit 10
However, in FIG. 1, in order to avoid the complexity of the drawing,
The electronic money information and the point information are sent to the card program recording medium 11, and are shown to be processed by the electronic money processing program 12 and the point processing program 14, respectively. However, actually, these processes are performed by the central processing unit 10. In the following, the process by the electronic money processing program 12 is referred to as the electronic money process 12, and the process by the point processing program 14 is referred to as the point process 14. That is, the processing by the electronic money handling processing program 16 is referred to as electronic money handling processing 16.

The switching function unit 17 is also provided for the central processing unit 10.
Here, the functions of are separated and shown.

FIG. 2 is a file configuration diagram showing a file system inside the IC card 1 shown in FIG. 1, and shows a program on the card program recording medium 11 viewed from the terminal device 2 via the central processing unit 10. It is. This configuration conforms to the ISO standard 7816.
Also, the names of the files in the figure follow the file names in the ISO standard.

In the figure, MF (master file) 2
0 is a master file located at the highest level of a file that can be accessed by the IC card 1 immediately after power-on or reset, and has a DIR file (directory file) below the master file.
21 and a DF (Dedicated File) 22. The DIR file 21 is a file recording a directory of an application program existing in the IC card 1, and the DF 22 is a switching function unit 17 (FIG. 1).
Is a file that realizes by software.

Below the DF22, DF23, 24 and EF
(Elementary file) 25. The DF 23 is a file that implements the electronic money processing 12 (FIG. 1).
F24 is a file that implements the point processing 14 (FIG. 1), and EF25 is a file of the DF22 of the switching function unit 17. An EF 26 is a file in which the DF 23 of the electronic money processing 12 records the electronic money information 13, and an EF 27 is a file in which the DF 24 of the point processing 14 records the point information 15. The electronic money handling process 16 in FIG.
The shape is included inside the F24.

FIG. 3 is a flowchart showing the operation from the start of the processing of the IC card 1 to the activation of the point processing 14 by the central processing unit 3 in the terminal device 2 having the file configuration shown in FIG.

In FIG. 1, in order to start the operation, the terminal device 2 applies a power supply voltage and a clock to the IC card 1, and then supplies a reset signal to the IC card 1.
Activate the C card 1 (step 100). When the IC card 1 is activated, the A card according to the ISO7816 standard
Outputs TR (Answer To Reset) information. Terminal device 2
Reads the ATR information (step 101) and sets a communication protocol with the IC card 1 according to the ATR information.

Next, the terminal device 2 selects the DIR file 21 (step 102), and reads the information of the DF containing the program in the IC card 1 from the DIR file 21 (step 103). In this embodiment, the DF 22 that implements the switching function unit 17 is not described in the DIR file 21, but describes information of each program of the DF 23 of the electronic money processing 12 and the DF 24 of the point processing 14 that perform actual processing. . The terminal device 2 acquires the information of the DF 24 of the point processing 14 described in the DIR file 21. According to the obtained information, it is specified in the ISO7816 standard.
DF of point processing 14 using Select File command
By selecting 24 (step 104), the process proceeds to execution of the point processing 14 (step 105). At this time, when the DF 24 of the point processing 14 is selected, the DF 22 of the switching function unit 17 operates, and the point processing 14
The DF 24 of the point processing 14 can transfer data to the DF 23 of the electronic money processing 12 at the same time as the terminal device 2 can select the DF 24 of the electronic money processing.

FIG. 4 shows point processing 14 by the terminal device 2.
Start point Transaction command
And its response by IC card 1 (Start point Transact
FIG. 3 is a diagram showing a format of the response.

In FIG. 4A, the instruction to start the point processing 14 is CLA, INS, P
1, P2 and information on Lc and Le forming the body. Here, the CLA of the value x1 is information for distinguishing whether or not the start instruction command of the point processing 14 is a command specified in the ISO standard.
NS is information indicating the type of this instruction, and has a value x3, x
4, P1 and P2 define the details of this instruction (if not specified, each is set to "00"). Also,
Lc of the value x5 is information indicating the length of data included in the start instruction command of the point processing 14, and Lc of the value x6 is
e specifies the length of the data included in the response to the start instruction command of the point processing 14. (If the data length is not specified and the data length is variable,
"00"). Note that these values x1 to x6 are 16
It is a base number (represented by “x”). In this example, the data length of each piece of information is x1 = “82”, x2 = “02”, x
3 = “00”, x4 = “00”, x5 = “1D”, x6
= “13”.

After the instruction to start the point processing 14 having such a data structure, the terminal device 2 executes the data associated with the sale of the product, that is, the point processing 14 shown as "Le Data" in FIG. Is sent. This data includes the product price (6 bytes), tax rate (6 bytes), handling year, month, day, hour, minute, and second (7 bytes), and the ID of the handling shop (4 bytes).
Bytes) and a code (6 bytes) indicating the product to be purchased, and a total of 29 bytes (that is, data length “I”)
D ").

The IC card 1 performs the above point processing 14
When the commodity price, tax rate, handling year, month, day, hour, minute, second, and the ID of the handling shop and code indicating the commodity to be purchased are received by the start instruction command, the execution of the point processing 14 is started using the data. . When the point processing 14 is completed, the processing result is displayed as shown in FIG.
To the terminal device 2 as a response in the format shown in FIG.

This response is shown in FIG.
The data of the processing result shown as "ata" is the body,
In this configuration, information on SW1 and SW2 constituting the trailer follows. The data length of this body is previously specified by the information Le of the start instruction command of the point processing 14, and in this example, the actual price of the paid product (6 bytes) and the amount of the tax (6 bytes) ), Processed data of year, month, day, hour, minute, second (7 bytes) are added, for a total of 19 bytes (that is, data length “1”).
3 "). The information of SW1 and SW2 is I
This indicates the status of whether or not the C card 1 has processed normally. In the case of normal processing, the value s1 of SW1 = “9”
0 ", the value s2 of SW2 =" 00 ".

FIG. 5 shows the point processing 14 by the terminal device 2.
Command to start moving electronic money information EM via
3 is a diagram illustrating a format of a value transaction command) and a response (Start Value Transaction Response) by the IC card 1. FIG.

When the IC card 1 returns a normal response to the command for instructing the start of the point processing 14 shown in FIG. 4 to the terminal device 2, the terminal device 2 receives this response and then returns to FIG.
The electronic money information transfer start instruction command of the format shown in FIG. 9A is issued (the value x2 of the information INS of this instruction is “04”). This command has the same format as the start instruction command of the point processing 14 shown in FIG. 4A, but the data as "LcData" is not sent, and only this command is issued. In this case, "Le
The data length in the response requested by "Data" is "FF", that is, 255 bytes. The IC card 1 receives this command and starts moving electronic money information via the point processing 14.

For this reason, the point processing program 14
Requests the electronic money processing program 12 to move electronic money information. This request is converted into a command and a response in accordance with the specification of the electronic money processing program 12 in the electronic money handling processing 16, and further, along with the electronic money information, through the switching function unit 17. 12
Is processed by being input to. Electronic money processing 12
The electronic money information 13 recorded therein is converted into electronic money information via the switching function unit 17 as point processing 1.
Pass to 4. This electronic money information is encrypted. As shown in FIG. 5 (b), the point processing 14 is performed from the IC card 1 by combining the 255 bytes of electronic money information "Le Data" and the information SW1 and SW2 indicating that the processing is normal. Output.

FIG. 6 shows the point processing 14 by the terminal device 2.
Instruction to end the transfer of electronic money information via
Transaction command) and its response by IC card 1
It is a figure which shows the format with (EndValue Transaction Response).

When the IC card 1 returns a normal response shown in FIG. 5B in response to the electronic money information transfer start instruction shown in FIG. 5A, the terminal device 2 transmits this response. After receiving the instruction, the electronic money information transfer end instruction command is issued via the point processing 14 in the format shown in FIG. 6A (the value x2 of the information INS of this instruction is "08"). This command is issued in a form in which electronic money information shown as “Lc Data” output from a storage medium (not shown) of the opposite electronic money information connected to the terminal device 2 is added.

When the IC card 1 receives the electronic money information transfer end instruction command, the transfer of the electronic money information via the point processing 14 is ended. In this case, the point processing 14 receiving the electronic money information transfer end instruction command converts the electronic money information added to this instruction into a form in accordance with the specification of the electronic money processing 12 in the electronic money handling processing 16. Later, this electronic money processing 12
To be processed. The electronic money processing 12 receives the electronic money information normally, and when the processing is completed normally,
As shown in FIG. 6B, “Le Dat” including data of the amount of electronic money information actually moved, the number of points calculated and added internally, and the total number of points after the addition.
"a" is formed, and is added to SW1 and SW2 indicating normal processing to make a response and output to the terminal device 2.

FIG. 7 is a flowchart showing the operation of the point processing 14 of the central processing unit 10 of the IC card 1 in FIG. 1 in more detail.

In FIG. 4, when the instruction to start the point processing 14 shown in FIG. 4A is received, the point processing 14 is started (step 200), and "Lc Dat
The data of “month” is acquired from the data of “year, month, day, hour, minute, second” received as “a” (step 201).
On the other hand, the EF 27 (FIG. 2) of the point information 14 includes:
The accumulated points of each month are registered, and from these accumulated points, the accumulated points corresponding to the acquired data of the month are acquired (step 20).
2).

Next, a discount rate corresponding to the total number of the acquired points is acquired from the point conversion table recorded in the point processing 14 (FIG. 1), and the discount rate and the “Lc Data” are received. Product price (Fig. 4
(A)) is multiplied to calculate the product price to be paid.
The calculation formula in this case is as follows: paid product price = product price × discount rate × (1 + tax rate) tax = product price × discount rate × tax rate (step 203).

Next, the electronic money handling program 16
The electronic money information 13 of the balance held by the electronic money processing program 12 is acquired (FIG. 1) and the switching function unit 17 (FIG. 1) (step 204), and the balance and the payment obtained by the above calculation are obtained. A comparison is made with the product price (step 205). If the balance is insufficient, the terminal device 2 is notified that the balance is insufficient (step 206), and the point processing 14 is terminated.

If it is determined by the comparison processing in step 205 that the balance is sufficient, first, FIG.
As described above, the response indicating normal (SW
1, SW2), “Le Dat” consisting of the price of the product and the amount of tax obtained by the above calculation, and “year / month / day / minute / second”
"a" is added to the response to the terminal device 2 (step 207).
Upon receiving this response, the terminal device 2 issues an electronic money information transfer start instruction command shown in FIG.
The central processing unit 10 of the IC card 1 receives this movement start instruction command (step 208), and checks whether this instruction is correct (step 209). FIG. 5 shows that if the instruction is not correct, it is not processed normally.
A response including the information SW1 and SW2 shown in (b) is output to the terminal device 2 (step 219), and the process ends.

When it is determined in step 209 that the electronic money information transfer start instruction command is correct, the point processing program 14 sets the payment commodity price obtained by the above calculation as the transfer amount, and executes the electronic money handling processing. An instruction for requesting the transfer of electronic money information is passed to the electronic money processing 12 via the step 16 (step 210). When the electronic money process 12 receives this command normally (step 211), the electronic money information is transferred from the point process 14 to the terminal device 2 via the electronic money process 12 by a necessary procedure (step 212). . As a result, the balance of the electronic money recorded in the electronic money information 13 decreases by this transfer amount, that is, the price of the paid commodity. At this time, when the moving electronic money information is output from the electronic money processing 12 to the terminal device 2, the point processing 14 adds, in addition to the output electronic money information, as shown in FIG. Information SW1, S indicating that the transfer instruction of the electronic money information has been normally processed
A response is returned to the terminal device 2 with W2 attached.

The terminal device 2 that has received the response indicating normality sends an electronic money information transfer end instruction command shown in FIG. Upon receiving this command, the point processing unit 14 performs a procedure for ending the electronic money information transfer processing on the electronic money processing unit 12, and when the transfer of the electronic money information ends normally (step 213).
The point processing 14 calculates an added point by multiplying the value obtained by subtracting the tax amount from the moved payment commodity price by the point coefficient acquired from the above point conversion table. The calculation formula in this case is as follows: added point = (commodity price paid-tax) × point coefficient (step 214).

Next, the data of "year / month / day" in the data of "handling year / month / day / hour / minute / second" acquired earlier and the added point are recorded in the EF 27 (FIG. 2) of the point information 15 (FIG. 2). Step 216), a new point total point obtained by adding the added point to the point total point number of the EF 27 is recorded in the EF 27 of the point information 15 (step 217).
If there is no data for the same month, the accumulated points of the old month are deleted (step 215). And Step 2
When the recording of 16, 217 is performed correctly, FIG.
As shown in the figure, the calculated addition points, the new points total points, and the price of the moved electronic money information are combined with “payment price” to obtain “Le Data”, which is information SW1 indicating that the processing has been completed normally. The response to which SW2 has been added is output to the terminal device 2 (step 218), and the process ends.

If the transfer of the electronic money information is abnormally terminated (step 213), a response including the information SW1 and SW2 shown in FIG. (Step 219), and the process ends.

FIG. 8 is a block diagram showing a specific example of the point conversion table recorded in the point processing program 14 in FIG.

In the figure, in the point conversion table, the accumulated points are classified according to the value, and the discount rate of the commodity price and the point count for calculating the added points are set for each classification. Step 2 of FIG.
The discount rate and the point coefficient used in the processes of 03 and 214 are acquired from this point conversion table.

FIG. 9 is a diagram showing the internal structure of the point information 15 in FIG. In the figure, point information 1
5 is an addition point for each record number indicating the recording order,
The record number is made up of the information of the accumulated points, the update date of the added points, and the ID unique to the updated store, and the value “FF...” Is recorded in the record number where these information are not recorded.

For example, in February 1998, 20
Assuming that the operation of the point processing 14 is performed on the days 21, 21, 25, and 28, as shown in FIG. 9A, the added points, the accumulated points, and the update date of the added points are set for each due date. And the updated unique ID of the store. Then, if the point processing 14 is performed on March 20 in the state where the point processing 14 having the point information 15 is present, the transaction for the new month of March is performed for the first time at this time. All the information of the point information 15 is deleted (step 215 in FIG. 7), and the information on the transaction on March 20 is recorded in the record number 1 column as shown in FIG. 9B.

As described above, in this embodiment,
Since the processes such as tax calculation, point calculation, and accumulation in accordance with the transaction of goods are automatically performed in the IC card 1, it is not necessary to perform these processes in the terminal device 2. Since these processes are performed in the terminal device 2, these calculations cannot be performed fraudulently by the terminal device 2, and the effect of fraud prevention can be obtained.

FIG. 10 shows an I with self-setting function according to the present invention.
It is a block diagram showing a second embodiment of the C card system, wherein reference numeral 28 denotes a parking ticket handling processing program,
9 is a parking ticket processing program, 30 is parking ticket information,
Parts corresponding to those in FIG. 1 are denoted by the same reference numerals, and redundant description will be omitted.

In the figure, in the second embodiment, the processing by the parking ticket processing program 29 (also executed by the central processing unit 10) is stored in the card program recording medium 11 in the first embodiment shown in FIG. In the following, this processing is also added with the parking ticket processing 29), and accordingly, the processing of the parking ticket handling processing program 28 (this is called the parking ticket handling processing 28) is added to the point processing 14. And the switching function unit 17 determines that the parking ticket information PC is between the point processing 14 and the parking ticket processing 29.
It is also possible to move. Here, the parking ticket processing program 29 is provided with parking ticket information 30 which is recording information of the parking ticket. In the parking ticket handling process 28, the point process 14 is performed by using the parking ticket information 3 via the parking ticket process 29.
When the switching function unit 17 selects the point processing 14, the parking ticket processing 29 is performed.
, The parking ticket information 30 can be transmitted and received.

FIG. 11 is a file configuration diagram showing a file system in the IC card 1 in FIG.

In the figure, this file system is
The DF 31 that implements the parking ticket processing 29 is added to the file system illustrated in FIG. 2, and the parking ticket processing DF 31 includes an EF 32 that records the parking ticket information 30. Electronic money handling processing 16 in FIG.
And the parking ticket handling process 28, D of the point process 14
The shape is included inside the F24.

In the second embodiment, as shown in FIG. 12, the operation procedure from the start of the processing of the IC card 1 by the central processing unit 3 of the terminal device 2 to the activation of the point processing program 14 is as follows. This is the same as the first embodiment shown in FIG.

FIG. 13 shows an instruction (Start Point Transac) for instructing the start of point processing 14 by the terminal device 2 in FIG.
Action Command) and its response by IC card 1 (Start
FIG. 6 is a diagram showing a format of a Point Transaction Response.

FIG. 13A shows a command for instructing the start of the point processing 14 from the terminal device 2 (information INS representing this command).
The value x2 of this is “02”), which basically has the same configuration as the same instruction (FIG. 4A) used in the first embodiment in FIG. The data "Lc Data" to be sent by the command includes the data of the price of the product to be purchased, the handling date, month, day, hour, minute and second, the ID of the store that handled the product, the code indicating the product to be purchased, and the designation of the priority currency. The card 1 receives this instruction and starts the point processing 14.

When starting the point processing 14, the IC card 1 executes the point processing program 14, and outputs the result to the terminal device 2 in the format shown in FIG. This response includes information SW1 and SW2 indicating normal processing when the point processing 14 is performed normally.
In this format, “Le Data” including data of the amount of electronic money information that needs to be transferred and the processed date, month, day, hour, minute, and second is added.

FIG. 14 shows a command (Start Value Transaction Command) for instructing the transfer of electronic money information via the point processing 14 by the terminal device 2 in FIG. 10 and a response (Start Value Transaction Resp) by the IC card 1.
onse).

When the terminal device 2 receives a normal response from the IC card 1 in response to the command for instructing the start of the point processing 14 shown in FIG. 13, the terminal device 2 transmits the electronic money information via the point processing 14 in the format shown in FIG. Is issued to the IC card 1. This instruction is shown in FIG.
This is the same as the electronic money information transfer start instruction command shown in FIG. 1A through the point processing 14 in FIG. Upon receiving this command, the IC card 1 starts moving electronic money information via the point processing 14. Point processing 14
As in the first embodiment, as shown in FIG. 14B, a response obtained by combining information SW1 and SW2 indicating the processing result in addition to the passed electronic money information is transmitted from the IC card 1 to the terminal device 2. Output to

FIG. 15 shows an instruction (End Value Transaction Command) for instructing the transfer of electronic money information via the point processing 14 by the terminal device 2 (End Value Transaction Command) in FIG.
It is a figure which shows the format of e).

When the terminal device 2 receives a normal response from the IC card 1 in response to the electronic money information transfer start instruction command shown in FIG. 14, the terminal device 2 transmits the electronic money information via the point processing 14 in the format shown in FIG. Is issued. This instruction corresponds to the instruction shown in FIG.
In the same manner as the electronic money information transfer end instruction command via the point processing 14 in the above, the electronic money information output from the storage medium (not shown) of the opposite electronic money information connected to the terminal device 2 is added. It is issued in the form.

When the IC card 1 receives this command, the electronic money information transfer processing via the point processing 14 ends. In this case, the point processing 14 that has received the electronic money information transfer end instruction command converts the electronic money information added to this instruction into the electronic money handling processing 1.
In step 6, the data is converted into a form conforming to the specifications of the electronic money processing program 12, and then passed to the electronic money processing program 12 for processing. The electronic money processing 12 receives the electronic money information normally, and when the processing is completed normally, FIG.
As shown in (b), the amount of the electronic money information actually moved, the number of points calculated and added internally, and the total number of points after the addition, the parking ticket processing 29 to the parking ticket handling processing 28 Is formed from the parking ticket information 30 taken in via the PC, and is added to the information SW1 and SW2 indicating normal processing, and is output from the IC card 1 to the terminal device 2 as a response.

FIG. 16 is a flowchart showing the operation of the point processing 14 of the central processing unit 10 of the IC card 1 in FIG. 10 in more detail.

Referring to FIG. 13, when the instruction to start the point processing 14 shown in FIG. 13A is received, the point processing 14 starts (step 200). Then, the point total number is acquired from the point information 15 (step 3).
01) Next, the balance of the electronic money information 13 held by the electronic money processing program 12 is acquired via the electronic money handling processing 16 (step 302).

Thereafter, the information for designating the preferred currency sent together with the instruction to start the point processing 14 (FIG. 13)
It is determined whether the preferred currency is electronic money or points (Swip 303). If the preferred currency is electronic money, the process branches to electronic money priority processing (step 304) shown in FIG. 17, and if the preferred currency is a point, the process proceeds to step 305.

Now, assuming that the priority currency is a point, the transfer amount is calculated from the following equation: transfer amount = commodity price−points accumulated points (step 305), and the sign of the calculated transfer amount is determined. (Step 306). When the transfer amount is 0 or negative, the following calculation is performed, that is, the total points of the new points are obtained from the total points of the new points = the total points of the points-the commodity price (step 307).
The total points of the new points are stored in the point information 15 (FIG. 1).
After writing in (0), the process branches to the parking ticket process (step 309) shown in FIG.

On the other hand, in the determination processing of step 306, if the transfer amount obtained in step 305 is positive, 0 is set as the total number of new points (step 310), and then the electronic money acquired in step 302 is set. The balance of the information 13 is compared with the transfer amount obtained in step 305 (step 311). If the transfer amount exceeds the balance (that is, the balance is insufficient), the terminal device 2 is notified of a response (FIG. 13B) including only the information SW1 and SW2 indicating the balance is insufficient (step 312). Then, the point processing 14 ends.

If the transfer amount is within the balance (step 311), the total number of new points (in this case, 0)
Is written in the point information 15 (step 313),
Information SW1 indicating the normal end by setting the above transfer amount as the amount of the electronic money information to be transferred of “Le Data”
A response in the format shown in FIG. 13B added to SW2 is returned to the terminal device 2 (step 314).

When the terminal device 2 receives this response, it issues an electronic money information transfer start instruction command shown in FIG.
Given to the card 1 and the IC card 1 receives this command to continue the point processing 14 (step 31).
5). The central processing unit 10 of the IC card 1 determines whether or not the command is correct (step 316). If the command is correct, the process proceeds to steps 317 to 322 in the first embodiment shown in FIG. The same processing as in steps 210 to 214 and 218 shown in FIG.

That is, the point processing program 14 executes the electronic money processing 12 via the electronic money handling processing 16.
, A command requesting the transfer of the electronic money information of the transfer amount is passed (step 317). Electronic money processing 1
2 successfully accepts this instruction (step 318),
According to the necessary procedure, the electronic money information is transferred to the terminal device 2 from the point processing 14 via the electronic money processing 12 in response to the command shown in FIG. 14A (step 319). At this time, this response includes FIG.
As shown in FIG. 4 (b), when the moving electronic money information is output from the electronic money processing 12 to the terminal device 2, the point processing 14 adds to the output electronic money information,
Information SW1 and SW2 indicating that the transfer instruction of the electronic money information has been normally processed are added.

The terminal device 2 that has received the response indicating normality sends an electronic money information transfer end instruction command shown in FIG. Upon receiving this command, the point process 14 performs a procedure for terminating the electronic money information transfer process for the electronic money process 12, and when the transfer of the electronic money information ends normally (step 320), the moved electronic money information The number of points to be added is obtained by multiplying the transfer amount, which is the value of the information, by the addition point coefficient, that is, by calculating the number of added points = the transfer amount × the addition point coefficient (step 32).
1). Then, the obtained number of added points is represented by the point information 1.
After writing the total points of 5 (step 32)
2), parking ticket processing 29 shown in FIG. 18 (step 309)
Move on to execution.

When the movement instruction of the movement start instruction command of the acquired electronic money information is incorrect (step 31).
6) Or, when the electronic money information is not normally moved in response to the movement start instruction command (step 3).
20) shows the total number of original points as point information 1
5 (step 323), and a response consisting of only the information SW1 and SW2 indicating that it is not normal (FIG. 15).
(B)) is notified to the terminal device 2 (step 324), and the point processing 14 ends.

FIG. 17 is a flowchart showing the electronic money priority processing (step 304) in FIG.

In the figure, first, in step 3 in FIG.
Point processing 1 shown in FIG.
Using the information of "commodity price" from the start instruction command of No. 4 and the balance acquired in step 302 of FIG. 16, a moving point is calculated by the following equation (step 401). Moving point = commodity price-balance Then, it is determined whether the moving point is positive or negative (step 40).
2). If the moving point is negative, the commodity price is set as the moving amount (step 403), and the process proceeds to step 409.

If the moving point is determined to be positive in step 402, the balance is set as the moving amount (step 404), and the moving point and the moving amount in step 3 in FIG.
The total points acquired in step 01 are compared (step 405). If the accumulated points are less than the moving points, a response shown in FIG. 13B with only the information SW1 and SW2 indicating that the accumulated points are insufficient is returned to the terminal device 2 (step 406). ) The point processing 14 ends.

If the total number of points is equal to or more than the moving point, the total number of new points is calculated from the above total number of points and the moving point by the following formula, and the total number of new points = the total number of points— Moving point The total number of the new points is written in the point information 15 (step 408), and the process proceeds to step 409.

At step 409, the above-mentioned transfer amount is set as the amount of the electronic money information of "Le Data" to be transferred, and the response in the format shown in FIG. 13B added to the information SW1 and SW2 indicating the normal end. Is returned to the terminal device 2. On the other hand, after confirming the content, the terminal device 2 gives the IC card 1 the instruction to start moving the electronic money information shown in FIG. Point processing is continued (step 410).

The IC card 1 determines whether or not the given movement start instruction command is correct (step 411).
If this instruction is correct, the same processing as in steps 317 to 322 shown in FIG. 16 is performed in steps 412 to 417.

That is, the point processing program 14 executes the electronic money processing 12 via the electronic money handling processing 16.
, A command requesting the transfer of the electronic money information of the transfer amount is transferred (step 412). Electronic money processing 1
2 successfully receives this instruction (step 413),
According to a necessary procedure, the electronic money information is transferred to the terminal device 2 from the point processing 14 via the electronic money processing 12 as a response to the command shown in FIG. 14A (step 414). At this time, this response includes FIG.
As shown in FIG. 4 (b), when the moving electronic money information is output from the electronic money processing 12 to the terminal device 2, the point processing 14 adds to the output electronic money information,
Information SW1 and SW2 indicating that the transfer instruction of the electronic money information has been normally processed are added.

The terminal device 2 having received the response indicating normality sends an electronic money information transfer end instruction command shown in FIG. Upon receiving this command, the point processing unit 14 performs a procedure for ending the electronic money information transfer processing on the electronic money processing unit 12. When the transfer of the electronic money information ends normally (step 415), the moved electronic money information is transferred. The number of points to be added is determined by multiplying the transfer amount, which is the value of the information, by the addition point coefficient, that is, by calculating the number of added points = the transfer amount × the addition point coefficient (step 41).
6). Then, the obtained number of added points is represented by the point information 1.
After writing in the total points of 5 (step 41)
7), parking ticket processing 29 shown in FIG. 18 (step 309)
Move on to execution.

When the movement instruction of the movement start instruction command of the acquired electronic money information is not correct (step 41).
1) Or, when the transfer is not performed normally in response to the correct electronic money information transfer start instruction command (step 4).
15) shows the total number of original points as point information 1
5 (step 418), and a response consisting of only the information SW1 and SW2 indicating that it is not normal (FIG. 15).
(B)) is notified to the terminal device 2 (step 419), and the point processing 14 ends.

FIG. 18 is a flowchart showing the parking ticket processing (step 309) in FIG. In the figure,
First, the point processing 14 in FIG. 10 acquires the parking ticket information 30 of the parking ticket processing 29 via the parking ticket handling processing 28 (step 501).

Here, as shown in FIG. 19, the point information 15 of the point processing 14 is composed of the accumulated point number, the point coefficient, the parking time coefficient, the upper limit value, the update date, and the update store ID. I have. The information of the point coefficient, the parking time coefficient, and the upper limit value among them has a function as a management table and cannot be rewritten, and the remaining information, that is, the cumulative number of points, the update date, and the update The store ID is a portion that can be rewritten at any time. As shown in FIG. 20, the parking ticket information 30 is made up of information of the entry date and time, the product purchase flag, the permitted parking time, and the updated store ID, and is rewritten by the parking ticket processing 29 as needed. It is.

Returning to FIG. 18, the date and time (FIG. 20) of the contents of the parking ticket information 30 obtained in step 501 are checked to determine whether the parking ticket information 30 is valid.
(Step 502) If there is no valid parking ticket information 30, the process proceeds to step 511. However, if there is valid parking ticket information 30, it indicates that a product has been purchased in the valid parking ticket information 30. The product purchase flag (FIG. 20) is set to "1" (step 503). As a result, the parking time discount service based on the product purchase is set.

Next, the parking permitted time (FIG. 20) already written in the parking ticket information 30 is read (step 50).
4) It is checked whether the value is less than the upper limit (FIG. 19) recorded in the point management table inside the point processing 14 (step 505). If this limit is exceeded,
Proceed to step 511, but if less than the upper limit,
From the parking time coefficient (FIG. 19) recorded in the point management table and the above product price, the addition permitted time is calculated by the following formula (step 506), and the addition permitted time = product price × parking time coefficient It is determined whether or not the addition permission time exceeds the above upper limit (step 507). Then, it is determined whether or not the addition permission time exceeds the above upper limit value (step 50).
7) If it exceeds, the upper limit value is set to the new parking permission time (step 509). If the addition permission time is less than the upper limit value, the parking time read from the parking ticket information and the addition permission time earlier. From the permission time (FIG. 20), a new parking permission time = addition permission time + parking permission time A new parking permission time is calculated by the following equation (step 508), and the new parking permission time or the new parking permission time set in step 509 is obtained. The parking permission time is set as the parking permission time, and the parking ticket information 3 is used.
Write to 0 (FIG. 20). In this case, the store I acquired by the start instruction command of the point processing 14 shown in FIG.
D also uses the parking ticket information 30 (FIG. 20) as the updated store ID.
(Step 510). Thereafter, the already calculated number of added points, the total number of new points, the transfer amount, and the new permitted parking time are set as "Le Data", and information SW1 and SW2 indicating normal end are added to FIG.
The response shown in FIG. 5 (b) is output to the terminal device 2 (step 5).
11), the parking ticket processing, and thus the point processing 14 ends.

According to the above operation, in the second embodiment, there are two methods for settlement of goods, and by instructing these two methods, the actual settlement processing is automatically processed in the IC card 1. Therefore, there is an effect that the terminal device 2 does not need to perform these processes. In addition, a service such as additional parking time of a parking ticket, which is an additional function, is automatically performed in accordance with the settlement of the product. Further, since the processing is performed in the IC card 1, the effect that the illegal operation cannot be performed even if the terminal apparatus 2 attempts to perform the illegal operation in the calculation processing is the same as in the first embodiment. It is.

FIG. 21 shows an I with self-setting function according to the present invention.
FIG. 13 is a block diagram showing a third embodiment of the C card system, wherein reference numeral 33 denotes a loan processing program (the processing by this program is also referred to as a loan processing 33), 34 is loan balance information, and 35 is electronic money handling processing. This is a program (the processing by this program is also referred to as electronic money handling processing 35), and the portions corresponding to those in FIG.

In the figure, the third embodiment is different from FIG.
Is different from the first embodiment shown in FIG.
4 in that a function of the lending process 33 is provided. The lending process 33 has a structure in which the lending balance information 34 and the electronic money handling process 35 are internally provided.

FIG. 22 is a configuration diagram showing a file system in the IC card 1 according to the third embodiment.

In this figure, the point that this file system is different from the file system of the first embodiment shown in FIG. 1 is, as apparent from comparison with FIG. 2, the point processing including the point information 27 in FIG. 14 in that a DF 36 that implements a loan process 33 including loan balance information 37 is provided instead of the DF 24 of FIG. FIG.
Electronic money handling processing 35 is lending processing 3
3 DF36.

Also in the third embodiment, the operation procedure from the start of the processing of the IC card 1 by the central processing unit 3 of the terminal device 2 to the activation of the lending program 33 is the same as that of the first embodiment shown in FIG. This is the same as the embodiment.

FIG. 23 is a diagram showing a command from the terminal device 2 to the loan processing program 33 and a response of the IC card 1 to the command in the third embodiment.

FIG. 9A shows the structure of a start instruction command (Start Loan Command) of the loan processing 33. The basic structure is the point processing shown in FIG. 4A in the first embodiment. 14 is the same as the start instruction command, but "Lc
The “Data” comprises the lending amount, the handling date, date, hour, minute, second, and the store ID of the handling store and each piece of information indicating the code to be purchased. When the IC card 1 receives such an instruction from the terminal device 2, the lending process 33 Start operation.

When the lending process is started, the inside of the lending process 33 executes the process, and returns the result. As shown in FIG. 23 (b), this response in the case of normal processing is made up of the loanable amount, the processed date, month, day, hour, minute, second, the loan limit, the total loan amount, and the encrypted approval number. It is composed of SW1 and SW2 information indicating normal processing to which “Le Data” including each information is added.

FIG. 24 shows the lending process 33 in FIG.
6 is a flowchart showing the operation of the first embodiment.

Referring to FIG.
Upon receiving and starting the instruction to start the lending process 33 shown in (a) (step 601), the instruction "Lc
From the information of "handling year, month, day, hour, minute, second" in "Data", the information of "month" at the start is acquired (step 602), and the same as "month" at the start is obtained from loan balance information 34 in loan processing 33. The monthly loan balance total is acquired (step 603).

In the table recorded in the lending process 33, as shown in FIG. 25, the balances of the electronic money information 13 are classified, and the lending amount corresponding to each classification is set. That is, electronic money information 1
The loanable amount is determined according to the balance of 3. As shown in FIG. 26, the loan balance information 34 of the IC card 1 indicates the loan amount (the actual loan amount for the loan amount of “Lc Data” in the instruction to start the loan process 33 shown in FIG. 23). And the total of the loan (total of the loan amount within the same month: the total of the loan balance described above), the date of the loan, and the loan shop ID are written and recorded.

Then, in FIG. 24, step 603 is executed.
Is completed, it is determined whether or not the lending process 33 is the first process of the "month" at the start (step 604), and the lending process 33 is the first process of the "month", that is, If the loan process 33 does not have the loan balance information 34 for the same month as the “month” at the start (FIG. 26)
For example, if there is only the information of the record numbers 1 to 4, there is no loan balance information 34 for March), and the information of the “month” at the start is recorded in the loan balance information 34 (step 605: In FIG. 26, for example, when there is only information of record numbers 1 to 4 and this loan processing 33 is the first processing in March, “March” is indicated in the loan date column of record number 5. Record the information), acquire the value (balance) of the electronic money information 13 in the electronic money processing 12 via the electronic money handling processing 35 (step 606), and read from the table previously recorded in the lending processing 33. The lending amount (FIG. 25) corresponding to the balance of the acquired electronic money information 13 is acquired (step 607: for example, the electronic money information 13).
If the balance is 10,000 yen, the possible loan amount is 50,000 yen according to FIG. 25, and this is recorded in the loan balance information 34 (step 608). In this case, 0 is set for the total loan (if the loan processing 33 corresponds to the first record number 5 in March, in which the loan date in FIG. 26 is March 10, 1998). At this stage, both the loan amount and the loan total are set to 0).

If the same month information as the “month” at the start has already been recorded in the loan balance information 34 (step 604), the acquisition and recording of the loanable amount in steps 605 to 608 described above are not performed. This is unnecessary, and instead, the available loan amount and the total loan amount are obtained from the loan balance information 34, and the process proceeds to step 609 (for example, in FIG. 26, there are only records of record numbers 1 to 3; If the lending process 33 is performed on the day, the lending total at this time is 30,050 yen total of the lending recorded in the record number 3).

When the processing in step 604 or 608 is completed, the total lending is added to the lending amount requested in accordance with the instruction to start lending processing 33 (step 609). Are compared (step 610), and when the added value is equal to or less than the available loan amount, a process necessary for the loan is executed, and the loan amount and the loan amount are recorded in the loan balance information 34 (FIG. 26). The total loan and the new total added are recorded in the loan balance information 34 (step 611). This will be described with reference to record number 5 for March in FIG. 26. In this case, since the total loan amount of record number 5 is 0, if the loan amount is 5,000 yen, the new total loan amount is 5000 yen. And the loan amount is 5 for record number 5
000 and the total loan amount will be 5000.

Thereafter, “Le Dat” comprising information of the loan amount, the date of the loan, the loan date, the loan limit, the total loan amount, and the encrypted approval number generated internally.
The terminal device 2 is notified of a response shown in FIG. 23B including information SW1 and SW2 indicating that the "a" has completed the lending process 33 normally (step 612).
3 is ended. The terminal device 2 confirms the loan amount in the response, confirms that the approval number is correct, and notifies the user using the display device 4 that the requested loan is possible.

If the request for the loan amount exceeds the loanable amount (step 610), the terminal device 2 is notified of the response shown in FIG. 23B of the information SW1 and SW2 indicating this (step 610). 613), loan processing 3
3 is ended. The terminal device 2 confirms this response and informs the user using the display device 4 that the loan cannot be made.

According to the above operation, in the third embodiment, when setting the lending limit, the balance of the electronic money information 13 is referred to.
It is not necessary to refer to it externally because it can be performed within the IC card 1. In the first transaction every month, the lending limit is automatically set in the IC card 1, so that it can be accessed via the terminal device 2 or the like. It is not necessary to perform the processing.

[0109]

As described above, according to the present invention,
By inputting commodity price information into the IC card as a command, the central processing unit of the IC card recognizes the price of the commodity and refers to the balance of the point information stored in the IC card. The central processing unit executes an operation of acquiring the grant rate to be used from the grant rate table pre-recorded on the IC card according to the balance of the points, and multiplying the acquired price by the acquired grant rate;
Since the calculated additional points are recorded by the central processing unit itself in the balance of the internal points, the terminal device obtains point data from the IC card and calculates additional points and writes new points. Eliminates the need for processing.

Further, according to the present invention, by inputting information on the commodity price as a command into the IC card,
The central processing unit of the card recognizes the price of the product, the central processing unit refers to the balance of the point information stored in the IC card, and is recorded in the IC card in advance according to the balance of the points. The central processing unit performs an operation of acquiring the discount rate to be used from the discount rate table and multiplying the product price by the acquired discount rate, and the IC card determines the calculated payment amount by itself. This eliminates the need to acquire point data from the IC card and calculate the amount of payment using the discount rate and write new points.

Further, according to the present invention, by inputting information on the date of the transaction into the IC card, the central processing unit of the IC card recognizes the date of the transaction, and the expiration date of the points stored in the IC card. Is obtained by the central processing unit itself, and the central processing unit itself performs a confirmation operation of comparing the expiration date of each acquired point with the input transaction date, and as a result, Since the central processing unit performs the necessary processing, it is not necessary for the terminal device to acquire all the points and update date data from the IC card for each point data.

Further, according to the present invention, by inputting information on the commodity price and the tax rate into the IC card, the central processing unit of the IC card obtains the price and the tax rate, and calculates the payment amount by multiplying the price by the tax rate. Is performed by the central processing unit, and the calculated payment amount is returned by the IC card, so that the terminal device does not need to calculate the commodity price and the tax amount.

Further, according to the present invention, an IC card having a plurality of functions such as electronic money and points is used,
By entering information on the product price and tax rate into this IC card, you can check the expiration date, add additional points, calculate the payment amount applying the tax rate and point discount, and settle the payment amount by electronic money. Since the central processing unit of the card performs the processing by itself, the terminal device does not only need to calculate the tax amount for the commodity price and check the expiration date, but also reduces the processing for moving the electronic money.

Furthermore, according to the present invention, since the IC card has data and calculation formulas common to the system such as the rate of giving points required for calculation, the discount rate of goods, and the expiration date of points, the same calculation can be performed everywhere. Thus, the process is always performed under the same condition even if the terminal device is different.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a first embodiment of an IC card system with a self-setting function according to the present invention.

FIG. 2 is a file configuration diagram showing a file system inside the IC card in FIG. 1;

3 is a flowchart showing an operation from the start of the processing of the IC card to the activation of the point processing program by the central processing unit of the terminal device in FIG. 1 having the file system having the configuration shown in FIG. 2;

FIG. 4 is a diagram showing a format of a command for instructing start of a point process by the terminal device in FIG. 1 and a response by the IC card.

5 is a diagram showing a format of a command to start moving electronic money information through a point process by the terminal device in FIG. 1 and a response from the IC card.

6 is a diagram showing a format of an electronic money information transfer end instruction command via the point processing by the terminal device in FIG. 1 and a response from the IC card.

FIG. 7 is a flowchart showing an operation of a point process of the IC card in FIG. 1;

FIG. 8 is a configuration diagram showing a specific example of a point conversion table recorded inside a point processing program in FIG. 1;

FIG. 9 is a diagram showing an internal configuration of point information in FIG. 1;

FIG. 10 is a block diagram showing a second embodiment of the IC card system with a self-setting function according to the present invention.

11 is a configuration diagram showing a file system in the IC card in FIG.

12 is a flowchart showing the operation from the start of the processing of the IC card to the activation of the point processing program by the central processing unit of the terminal device in FIG. 10 having the file system having the configuration shown in FIG. 11;

13 is a diagram showing a format of a command for instructing the start of a point process by the terminal device in FIG. 10 and a response by the IC card.

14 is a diagram showing a format of a command to start moving electronic money information through a point process by the terminal device in FIG. 10 and a response from the IC card.

15 is a diagram showing a format of an electronic money information transfer end instruction command via a point process by the terminal device in FIG. 10 and a response from the IC card.

FIG. 16 is a flowchart showing in more detail the operation of the point processing of the central processing unit of the IC card in FIG. 10;

FIG. 17 is a flowchart showing the electronic money priority processing in FIG.

FIG. 18 is a flowchart showing a parking ticket process in FIG.

FIG. 19 is a diagram showing a data configuration of point information in FIG. 10;

20 is a diagram showing a data configuration of parking ticket information in FIG.

FIG. 21 is a block diagram showing a third embodiment of the IC card system with a self-setting function according to the present invention.

FIG. 22 is a configuration diagram showing a file system in the IC card in FIG. 21.

23 is a diagram showing a format of a lending process start instruction command by the terminal device in FIG. 21 and a response by the IC card.

24 is a flowchart showing in more detail the operation of the lending process of the central processing unit of the IC card in FIG. 21.

FIG. 25 is a diagram showing a data configuration of a table in the lending process in FIG. 21.

26 is a diagram showing a data structure of loan balance information in FIG. 21.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 2 Terminal 3 Central processing unit 5 Input device 6 Terminal program recording medium 9 Transmission line 10 Central processing unit 11 Card program recording medium 12 Electronic money processing program 13 Electronic money information 14 Point processing program 15 Point information 16 Electronic money handling Processing 17 Switching function unit 28 Parking ticket handling processing 29 Parking ticket processing program 30 Parking ticket information 33 Loan processing program 34 Loan balance information 35 Electronic money handling processing program

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification FI FI Theme Court ゛ (Reference) G07F 7/08 G07F 7/08 R (72) Inventor Shigeyuki Ito 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Hitachi, Ltd. Multimedia System Development Division (72) Inventor Kenji Matsumoto 292, Yoshida-cho, Totsuka-ku, Yokohama, Kanagawa Prefecture Hitachi, Ltd. Multimedia System Development Division (72) Inventor Masayuki Inoue Yokohama, Kanagawa Prefecture 292 Yoshida-cho, Totsuka-ku, Ltd. within Hitachi Image Information System Co., Ltd. (72) Inventor Koichi Yoneda 292, Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Inside Hitachi Image Information System, Ltd. 292 Yoshida-cho, Totsuka-ku Hitachi Image Information System Co., Ltd. (72) Inventor Inoue Isamu 292 Yoshida-cho, Totsuka-ku, Yokohama, Kanagawa Prefecture F-term in Hitachi Multimedia Systems Development Division (Reference) 3E042 BA08 BA18 CB02 CC01 CC02 CC04 CC06 CC10 EA01 3E044 AA20 BA04 CA06 CB03 DB02 DB12 DE03 DE04 5B035 AA00 BB09 BC00 CA11 5B049 AA04 BB11 CC39 EE25 GG04 5B058 KA40 YA02

Claims (14)

[Claims] 1. A terminal unit for reading or writing electrical information, and an IC card electrically connected to the terminal unit. The IC card receives electrical information from the terminal unit and makes a determination. A central processing unit for performing processing and processing; an electronic information recording unit connected to the central processing unit and storing electronic information therein; Electronic money information or point information similar to the electronic money information that can be used as financial money, and an electronic money transaction function in which the terminal unit performs business transactions by reading and writing the electronic information. In the electronic money system, the exchange ratio of the read electronic information value to the commodity at the time of exchange changes according to the already recorded electronic information value. IC card system with self-configuring that features. 2. The IC according to claim 1, wherein an exchange rate with a product according to a value of the electronic information is determined by the IC.
An IC card system with a self-setting function, wherein the central processing unit of the card performs a calculation, and outputs an exchange rate of the calculated result to the terminal unit. 3. The IC card according to claim 2, wherein the IC card has at least two pieces of the electronic information, and an exchange rate with a product according to one of the pieces of the electronic information is calculated by the central processing unit of the IC card. An IC card system with a self-setting function, wherein the device performs a calculation and moves the other electronic information according to an exchange ratio of the calculated result. 4. The IC card according to claim 3, wherein the IC card has at least two pieces of the electronic information, and the plurality of pieces of electronic information are processed by the central processing unit and stored in the IC card that handles one piece of electronic information. An IC card system with a self-setting function, characterized in that the software can handle the other electronic information. 5. The IC card according to claim 4, wherein the IC card has at least two pieces of the electronic information, and the plurality of pieces of electronic information are processed by the central processing unit and stored in the IC card that handles one piece of electronic information. An IC card system with a self-setting function, characterized by comprising means for switching the written electronic software so that the other electronic information can be written to or read from the software in order to handle the other electronic information. 6. The IC card according to claim 2, wherein the IC card has at least two pieces of the electronic information, and sets an exchange rate with a product according to a value of one of the pieces of the electronic information. The central processing unit of the IC card performs a calculation, multiplies a value of the moving electronic information resulting from the calculation by a settable coefficient, and moves the other electronic information. IC card system with self-setting function. 7. The electronic device according to claim 2, wherein the electronic information has time information such as an expiration date or a set date, the time information is read by the central processing unit, and An IC card system with a self-setting function, wherein a determination process according to information is performed to determine whether the electronic information is valid or invalid. 8. A terminal unit for reading or writing electrical information, and an IC card electrically connected to the terminal unit, wherein the IC card receives the electrical information from the terminal unit and makes a determination. And a central processing unit that performs processing and processing, an electronic information recording unit that is connected to the central processing unit and stores electronic information inside, Electronic money information or point information similar to the electronic money information that can be used as financial money, and an electronic money transaction function that conducts commercial transactions by the terminal unit reading and writing the electronic information. In the electronic money system, the electronic information is added according to the result of a transaction such as purchase of a product, and the value of the electronic information to be added is already recorded. IC card system with a self-setting function, wherein the change by the value of that party information. 9. The IC card according to claim 8, wherein the central processing unit of the IC card calculates a value of the electronic information to be provided, and outputs a value of the electronic information to which the result of the calculation is provided to the terminal unit. An IC card system with a self-setting function. 10. The IC card according to claim 9, wherein the IC card has at least two pieces of the electronic information, and a value of the electronic information to be added according to a value of one of the pieces of the electronic information. An IC card system with a self-setting function, wherein the central processing unit performs a calculation, and calculates and moves a moving value of the other electronic information according to the electronic information to which the result of the calculation is added. 11. The IC card according to claim 10, wherein the IC card has at least a plurality of pieces of the electronic information, processes the plurality of pieces of electronic information by the central processing unit, and stores the plurality of pieces of electronic information in the IC card handling one piece of electronic information. An IC card system with a self-setting function, characterized in that the software can handle the other electronic information. 12. The IC card according to claim 11, wherein the IC card has at least a plurality of pieces of electronic information, and the plurality of pieces of electronic information are processed by the central processing unit and stored in the IC card that handles one piece of electronic information. An IC card system with a self-setting function, characterized by comprising means for switching the written software so that the other electronic information can be written to or read from the software in order to handle the other electronic information. 13. The electronic card according to claim 9, 10, 11 or 12, wherein the IC card has at least two pieces of the electronic information, one of which moves in accordance with the value of the other electronic information. A value calculated by the central processing unit of the IC card, and a value obtained by multiplying a value of the moving electronic information as a result of the calculation by a settable coefficient;
An IC card system with a self-setting function, wherein the other electronic information is moved. 14. The method of claim 9, 10, 11, 12, or 13.
In the above, the electronic information has time information such as an expiration date or a set date, and the central processing unit reads out the time information, and performs a discrimination process according to the time information, so that the validity of the electronic information is Alternatively, an IC card system with a self-setting function characterized by determining invalidity.