JP2554676B2 - Portable electronic devices - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION Object of the Invention (Industrial field of application) The present invention relates to a portable electronic device called a so-called IC card, which is used, for example, as a credit card, and particularly for a usable period. Relates to a portable electronic device having an expiration date set therein.

(Prior Art) In recent years, cards with magnetic stripes such as credit cards and cash cards, so-called magnetic cards, have become widespread, and storage capacity has been newly expanded in place of these.
Erasable non-volatile memory and CP that controls them
A so-called IC card, which has an IC chip having a control element such as U built therein, has been receiving attention. Such an IC card is
Based on the transaction account information stored in the memory, transactions are conducted online with the terminal device (external device).

By the way, such IC cards used as credit cards and cash cards usually have an expiration date that indicates the usable period, and when conducting an online transaction, the expiration date is determined. ing. That is, at the time of online transaction, the terminal device receives the expiration date information from the IC card, determines the expiration date by collating the date information generated from the clock means incorporated in the terminal device with the received expiration date information, and makes a transaction. The terminal device determines whether or not it is possible.

However, in such a method of determining the expiration date, the date information generated by the clock means differs depending on the terminal device used, and therefore accurate determination is impossible and the reliability is poor. Also,
Since the determination is made on the terminal device side, there is a drawback that the processing load on the terminal device is heavy.

(Problems to be Solved by the Invention) In the present invention, since the date information generated by the timepiece means varies depending on the external device used as described above, accurate determination is not possible and reliability is poor, and the external device is also used. The portable electronic device has been made to solve the problem that the processing load on the device is heavy, and enables accurate determination of the expiration date, improving reliability and reducing the processing load on the external device. The purpose is to provide a device.

[Structure of the Invention] (Means for Solving Problems) A portable electronic device of the present invention includes a communication unit that communicates with an external device, a memory unit that stores at least transaction account information, and controls these. A portable electronic device having a control unit for performing transaction with the external device based on the transaction account information stored in the memory unit, and the usable period of the portable electronic device. Storage means for storing the expiration date information indicating, the clock means for generating at least date information, and the setting / changing of the date information is restricted, and the date information generated by the clock means when performing the transaction. An expiration date determination means for determining whether or not the portable electronic device is within the usable period by comparing with the expiration date information stored in the storage means,
As a result of the determination by the expiration date determining means, when it is determined that the expiration date is within the usable period, the transaction means performing a transaction based on the transaction account information stored in the memory unit, and the expiration date determining means. As a result of the judgment by the above-mentioned, the control means for ending the transaction when it is judged that it is out of the usable period.

(Operation) A clock means in which setting / changing of date information is restricted is provided internally, and at the time of transaction, the expiration date is internally determined using the date information generated from this clock means, thereby always keeping the same clock. The expiration date can be determined by the date information generated by the means. Therefore, the transaction date can be specified, the expiration date can be accurately determined, and the reliability is improved. Further, since the portable electronic device itself makes the determination, the processing load on the external device can be reduced.

Furthermore, since the clock means is restricted in setting and changing, it is not possible to maliciously change the date information, and if the expiration date has passed, the portable electronic device itself ends the transaction, so it is valid. There is no risk of misuse of overdue portable electronic devices.

(Example) Hereinafter, one example of the present invention will be described with reference to the drawings.

FIG. 4 shows the appearance of a multifunction IC card used as a credit card, for example, as an example of the portable electronic device according to the present invention. This IC card can be used both online and offline. Then, for example, a transaction function capable of performing transactions with a plurality of accounts (for example, usable as a plurality of types of credit cards and cash cards), a clock function for displaying time information including date information and time information, at least four arithmetic operations It has a computer function for performing, and an electronic memo pad function for registering and reading out addresses, names, telephone numbers and the like.

In FIG. 4, reference numeral 1 denotes a card body, which is made of, for example, a rectangular thin plastic plate. A contact part that is electrically connected to an integrated circuit (IC) 2 embedded in the card body 1 at a predetermined portion of the surface of the card body 1 and that electrically communicates with a terminal device (not shown) when used online. 3, a liquid crystal display unit 4 for displaying input / output data and time information, and a keyboard 5 are provided.
A battery 6 for power supply is embedded in the card body 1.

On the keyboard 5, account keys 7,8,9,1 for specifying an account
0, a ten key 11, an addition key 12 as a four arithmetic operation key, a subtraction key 13, a division key 14, a multiplication key 15, a decimal point key 16 and an equal key 17 are provided.

The account key 7 specifies the first operation (process) for the first account (eg, the first credit card), and the account key 8 is the second operation for the second account (eg, the second credit card). Specify the business, account key 9 is the third
Of the account (eg, the first cash card) is specified, and the account key 10 is designed to specify the fourth job of the fourth account (eg, the second cash card).

The addition key 12 is also used as a next key for advancing the display state of the liquid crystal display unit 4 to the next, and the subtraction key 13 is also used as a back key for returning the display state of the liquid crystal display unit 4 to the front and the decimal point key. 16 is also used as a no key or an end key, and the equal key 17 is also used as a yes key or an activation key (power-on key).

FIG. 3 shows a circuit configuration of the integrated circuit 2. That is, 21 is a communication control circuit, 22 is a reset control circuit, 23 is a power supply control circuit, 24 is a battery check circuit for checking whether the voltage of the battery 6 is a specified value or more, 25 is a clock control circuit, 26 For example, the frequency is 1MHz
, 27 is a CPU (Central Processing Unit) as a control unit that controls the overall control, 28 is a program memory including a mask ROM, 29 is a program working memory, and 30 is an EEPR.
A data memory (memory unit) configured by a non-volatile memory such as an OM, 31 is a timer circuit used for timekeeping during processing operation, and 32 is time information including date information and time information. The generated clock circuit section, 33 has a frequency
An oscillator for generating a 32.768 KHz clock, 34 a display control circuit, 35 a display driver for driving the liquid crystal display unit 4,
Reference numeral 36 is a keyboard interface circuit as an input circuit of the keyboard 5.

Communication control circuit 21, battery check circuit 24, CPU27,
Program memory 28, program working memory 2
9, data memory 30, timer circuit 31, clock circuit section 32, display control circuit 34, and keyboard interface circuit
36 are connected by a data bus 37.

The communication control circuit 21 operates when online,
The serial data supplied from the terminal device via the contact unit 3 is converted into parallel data and output to the data bus 37, or the parallel data supplied from the data bus 37 is converted into serial data and transmitted via the contact unit 3. Output to the terminal device.

The reset control circuit 22 operates online and receives a reset signal supplied from the terminal device via the contact portion 3 to activate the CPU 27.

The power supply control circuit 23 switches from the drive by the battery 6 to the drive by the external power supply (supplied from the terminal device through the contact portion 3) after a lapse of a predetermined time when it goes online, and when it goes offline, that is, the external When the voltage of the power source drops, control is performed to switch from driving by the external power source to driving by the battery 6.

The clock control circuit 25 stops the operation of the oscillator 26 that generates a 1 MHz clock in the key input standby state (standby) when offline, and also stops the supply of the clock to the CPU 27, resulting in a completely stopped state. To do. Then, in this state, when the activation key 17 is turned on, the oscillator 26 is operated and 32.768 KH output from the clock circuit unit 32.
The clock clock for z is supplied to the CPU 27, and when the next key operation is performed after the activation key 17 is turned on, the 1 MHz clock output from the oscillator 26 is supplied to the CPU 27. Further, when online, a reset signal is supplied from the reset control circuit 22, so that the clock supplied from the terminal device via the contact portion 3 is supplied to the CPU 27.

The program memory 28 stores a transaction function program, a clock function program, a computer function program, an electronic memo pad function program, other programs, and the like. The CPU 27 is adapted to selectively operate a transaction function, a clock function, a calculator function, an electronic memo pad function, etc. by selectively executing a program in the program memory 28 to perform processing.

The data memory 30 stores the account information corresponding to each of the above-mentioned first to fourth accounts, and the corresponding account information is selected by pressing the account keys 7 to 10, and the corresponding account information is dealt with based on the account information. The work that you want to do is executed. Further, the data memory 30 has an area for an electronic memo pad, and data such as an address, a name and a telephone number are stored in the area. Furthermore, in a specific area of the data memory 30, expiration date information for determining the expiration date and a personal identification number for determining the validity of the trader are stored in advance.

The clock circuit section 32 outputs 32.768 KHz from the oscillator 33.
A frequency divider circuit 321 that generates a clock of 1 sec by dividing the clock of 1 is generated, and time information that includes date information and time information is generated by counting the clocks generated from the frequency divider circuit 321. First and second clock circuits
It is composed of 322,323. The first clock circuit 322 is a clock circuit for display in which the cardholder can freely set and change the time information by operating the keyboard 5. Second clock circuit
For 323, for example, time information is set when the card is issued,
After that, it is a clock circuit whose time information cannot be changed unless the correctness of the operation is proved by a specific procedure.
That is, for example, as shown in the flow chart of the setting change procedure in FIG. 2, only a person who is qualified to change the setting can perform it. The judgment as to whether or not the user is qualified to change the setting can be made by collating the personal identification number, for example.

The display control circuit 34 converts the display data supplied from the CPU 27 into a character pattern using a character generator (not shown) composed of an internal ROM, and displays it on the liquid crystal display unit 4 via the display driver 35. It has become.

Next, with such a configuration, an operation in the case of conducting a transaction in an online state will be described with reference to FIG. For example, when using this IC card for cashless shopping and credits, this IC card is set in a terminal device (not shown). Then, the terminal device sends a command signal to the CPU 27 of the IC card to the effect that a transaction is desired. The CPU 27 having received this reads the date information from the second clock circuit 323. This date and time information may be read immediately after receiving the above command signal, and the legitimacy of the terminal device that has transmitted the above command signal may be checked. If the date and time information is not read and if it is valid, the date and time information may be read at that time.

Upon reading the date information, the CPU 27 determines the expiration date by comparing and collating the date information with the expiration date information stored in the data memory 30. If the result of this determination is that the expiration date has not passed, a message indicating that the expiration date has been exceeded is transmitted to the terminal device, and the transaction ends. If the result of the above determination is that it is within the expiration date, the CPU 27 sends a message indicating that transaction is possible to the terminal device, and transaction processing is started.

That is, first, by inputting the personal identification number for judging the validity of the trader from the keyboard of the terminal device,
The terminal device transmits the personal identification number to the CPU 27 of the IC card. Upon receiving this, the CPU 27 judges the validity of the trader by comparing and collating the received personal identification number with the personal identification number stored in the data memory 30, and if it is unreasonable (mismatch of personal identification numbers), the transaction is not established. Message is sent to the terminal device to end the transaction. As a result of the above determination, if the result is valid (identification of the personal identification number), a message to that effect is transmitted to the terminal device. In the terminal device that receives this, the transaction amount is transmitted to the CPU 27 of the IC card by next inputting the transaction amount from the keyboard. CPU27 which received this
Determines whether the traded metal is within the trading range,
If it is out of the transaction range, a transaction failure message is transmitted to the terminal device and the transaction is terminated. As a result of the above determination, if the transaction is within the transaction range, the transaction is successful, and the CPU 27 writes the transaction information in the data memory 30. At this time, the CPU 27 reads time information (year / month / day information and time information) from the second clock circuit 323, adds the time information to the transaction information, and writes it.
When the transaction is completed in this way, the CPU 27 sends a transaction establishment message to the terminal device and ends the transaction.

As described above, when conducting a transaction online, the terminal device only has to send the personal identification number and the transaction metal for determining the validity of the transactor to the IC card.
The IC card itself can perform processing such as collation, determination, and recording, and the terminal device can know the result.

[Effects of the Invention] As described above in detail, according to the portable electronic device of the present invention, the clock means in which the setting / changing of the date information is restricted is provided inside, and the date generated from this clock means at the time of transaction. By using the information to determine the expiration date internally,
The expiration date can always be determined by the date information generated by the same clock means. Therefore, the transaction date can be specified, the expiration date can be accurately determined, and the reliability is improved. Further, since the portable electronic device itself makes the determination, the processing load on the external device can be reduced.

Furthermore, according to the portable electronic device of the present invention, since the clock means is restricted in setting / changing, the date information cannot be maliciously changed, and when the expiration date has passed, the portable electronic device itself. Since the transaction is terminated at, there is no fear that the portable electronic device that has expired will be misused.

[Brief description of drawings]

FIG. 1 is a diagram for explaining an embodiment of the present invention. FIG. 1 is a flow chart for explaining an online transaction operation, FIG. 2 is a flow chart showing a procedure for changing the setting of the second clock circuit, and FIG. FIG. 4 is a block diagram showing the circuit configuration of the circuit, and FIG. 4 is a plan view showing the configuration of the IC card. 2 ... Integrated circuit, 3 ... Contact part, 6 ... Battery, 21 ... Communication control circuit, 27 ... CPU (control part), 28 ...
… Program memory, 30… Data memory (memory section), 32… Clock circuit section, 321… Dividing circuit, 323… Second clock circuit, 33… Oscillator.

Claims (2)

(57) [Claims] 1. A transaction stored in the memory unit, which has a communication unit for communicating with an external device, a memory unit for storing at least transaction account information, and a control unit for controlling these. A portable electronic device that conducts a transaction with the external device based on account information, storing means for storing expiration date information indicating a usable period of the portable electronic device, and generating at least date information, Portable by comparing the date information generated by the clock means and the expiration date information stored in the storage means when performing the transaction with the clock means in which setting / change of date information is restricted If the electronic device is determined to be within the usable period as a result of the determination by the valid period determining unit that determines whether the electronic device is within the usable period, A transaction means for performing a transaction based on transaction account information stored in the memory section, and a control means for terminating the transaction if it is determined as a result of the determination by the expiration date determination means that the available period has expired. And a portable electronic device. 2. The portable device according to claim 1, wherein the date information of the clock means can be set / changed only when the correctness of the operation is proved by a specific procedure. Electronic device.