JP3926491B2 - IC card system with self-setting function - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an electronic money transfer system suitable for use in an electronic wallet system for exchanging electrical electronic money information and point information stored in an IC card in place of money, and in particular, a service system using a point function. It is related with the IC card system with a self-setting function suitable for.
[0002]
[Prior art]
For example, depending on a store or the like, various premier services according to the amount of shopping are provided to customers. In this case, the dealer often issues point information according to the amount of shopping, and issues a money right or gift certificate corresponding to the point information to the customer, or discounts the selling price of the product.
[0003]
In a conventional electronic wallet system for exchanging electronic information such as electrical electronic money and points that are effective electronic money within a limited range, points are exchanged in, for example, Japanese Patent Laid-Open No. 3-92966. As described, the terminal device reads out the electronic information recorded on the IC card and performs calculation and control, thereby providing services such as exchange for goods. For this reason, when providing a service, the terminal device must always collect all necessary information in addition to the electronic information in the terminal device and perform processing such as computation.
[0004]
[Problems to be solved by the invention]
In the above-described conventional technology, it is necessary to collect all information necessary for the terminal device when exchanging information of electronic money or points. For this reason, for example, a discount rate at the time of transaction or a point grant rate for the amount of electronic money used needs to be calculated after the terminal device has acquired information. For example, when a discount service for a product purchase price is performed according to a point value that has already been acquired, in order to change the discount rate, the terminal device first acquires the product price, and then the points that have already been acquired. Get the value from the IC card, then get the discount rate according to the point value set inside, and multiply the product price by the discount rate according to the point value to calculate the amount of goods actually paid It was necessary to inform the user. Furthermore, the terminal device actually makes a settlement with payment after informing the user.
[0005]
Further, in order to increase the rate of adding points according to the value of points already accumulated, the terminal device first obtains the product price, then obtains the accumulated point value from the IC card, Next, it is necessary to obtain the point addition rate according to the point value set inside, and to calculate the point value to be added by multiplying the product price by the addition rate according to the point value.
[0006]
Furthermore, for example, when the actual transaction amount is increased by a certain interest rate such as a consumption tax, the terminal device first obtains the product price and calculates the tax rate set for this terminal device. It was necessary to use the tax rate on the product price.
[0007]
If the point function has an expiration date, the terminal device reads the expiration date of the points already accumulated from the IC card together with the expiration date for each score from the IC card, and sets the date when the transaction is executed. Accordingly, after determining each score and its expiration date, the effective score must be added, and then processing corresponding to the number of points must 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 varies depending on the terminal device. For this reason, it is necessary to make the information such as the addition rate for calculating the points recorded in the terminal device, the product discount rate, and the expiration date equal among the terminal devices.
[0009]
An object of the present invention is to provide an IC with a self-setting function capable of solving such problems and facilitating the exchange of information such as electronic money and points by reducing the arithmetic processing performed by the terminal device. To provide a card system.
[0010]
[Means for Solving the Problems]
In order to achieve the above-mentioned object, the present invention provides a point that the central processing unit of the IC card recognizes the price of the product and stores the price of the product by inputting the information of the product price to the IC card. The central processing unit refers to the balance of itself, obtains a corresponding grant rate from a table of grant rates recorded in advance on the IC card according to the balance of the points, and acquires the grant obtained for the product price. The central arithmetic processing unit executes an operation of multiplying the rates, and the central arithmetic processing unit records the additional points of the calculation result in the balance of the internal points.
[0011]
In addition, the present invention provides that the central processing unit of the IC card recognizes the price of the product by inputting the information on the product price into the IC card, and the balance of the points held in the IC card is calculated by the central processing. The processing unit refers to itself, obtains 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 calculates the product price multiplied by the acquired discount rate. The central processing unit executes the processing, and the IC card responds with the payment amount of the calculation result.
[0012]
Furthermore, the present invention provides the IC card with information on the date of transaction, whereby the central processing unit of the IC card recognizes the date of transaction, and the expiration date of the points held in the IC card The central processing unit itself performs the confirmation operation of comparing the acquired expiration date for each point with the date of the entered transaction, and as a result, the effective point The central processing unit is configured to perform necessary processing.
[0013]
Furthermore, the present invention provides a payment that multiplies the product price by multiplying the product price by obtaining the product price and the tax rate by inputting the product price information and the tax rate to the IC card. The central processing unit performs the calculation of the amount of money, and the IC card responds with the payment amount of the calculation result.
[0014]
Furthermore, the present invention uses an IC card having a plurality of functions such as electronic money and points, and inputs the product price and tax rate to the IC card, thereby confirming the expiration date, adding additional points, and discounting by tax rate and points. In addition to the calculation of the payment amount applying the above, the central processing unit itself performs the settlement of the payment amount by electronic money.
[0015]
Furthermore, in the present invention, the IC card has data common to the system such as the point grant rate necessary for the calculation, the discount rate of the product price, and the expiration date of the points, so that the same calculation can be performed anywhere. The configuration is as follows.
[0016]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described 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, where 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, Reference numeral 13 is electronic money information, 14 is a point processing program, 15 point information, 16 is an electronic money handling processing program, and 17 is a switching function unit.
[0017]
In this figure, this embodiment comprises a terminal device 2 and an IC card 1 that is detachably attached to the terminal device 2 and connected by a transmission line 9. The IC card 1 has electronic money information inside, and the terminal device 2 writes and reads electronic money information via the transmission line 9 with the IC card 1 attached.
[0018]
The terminal device 2 includes a central processing unit 3 that controls the operation of the IC card 1 and the terminal device 2, a display device 4 that is controlled by the central processing unit 3 to display characters and the like, and a user's operation instruction information and the like. An input device 5 for inputting and a terminal device program recording medium 6 in which the control contents of the central processing unit 3 are recorded. The terminal device program recording medium 6 includes the central processing unit 3 in particular. There are a point processing program 7 for performing point movement processing for each use of the IC card 1 by the user and an electronic money processing program 8 for performing processing for movement of electronic money information for each use of the IC card 1 by the user. Stored.
[0019]
Further, the IC card 1 includes a central processing unit 10 that performs data processing inside the IC card 1, a card program recording medium 11 that stores a program that defines the operation of the central processing unit 10, a switching function unit 17, Between the central processing unit 10 and the central processing unit 3 of the terminal device 2 via the transmission line 9, transmission of control signals such as power supply and clock, reset control, and transmission / reception of data Is done.
[0020]
The card program recording medium 11 includes 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 the central processing unit 10 stores the point information 15 of the IC card 1. A point processing program 14 for performing a management operation is stored. The point processing program 14 also includes an electronic money handling processing program 16 for transferring electronic money information via the electronic money processing program 12.
[0021]
The switching function unit 17 is configured to switch the data transmitted / received to / from the terminal device 2 between the processing by the electronic money processing program 12 and the processing by the point processing program 14 in accordance with the switching control signal SC from the central processing unit 10. At the same time, the electronic money handling program 16 has a function of switching the electronic money information EM.
[0022]
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 electronic money information and point information, and actually performs electronic money processing and point processing. In FIG. 1, in order to avoid the complexity of the drawing, electronic money information and point information are sent to the card program recording medium 11 in FIG. It is illustrated as being processed by the point processing program 14. However, in practice, these processes are performed by the central processing unit 10, and in the following, the process by the electronic money processing program 12 is referred to as an electronic money process 12, and the process by the point process program 14 is referred to as a point process 14. The processing by the electronic money handling processing program 16 is called electronic money handling processing 16.
[0023]
The switching function unit 17 also shows the functions of the central processing unit 10 separately.
[0024]
FIG. 2 is a file configuration diagram showing a file system inside the IC card 1 in FIG. 1, in which the program on the card program recording medium 11 is viewed from the terminal device 2 side through the central processing unit 10. This configuration is in conformity with ISO standard 7816. In addition, the file names in the figure also follow the ISO standard file names.
[0025]
In the figure, an MF (master file) 20 is a master file located at the top of a file that can be accessed by the IC card 1 immediately after power-on or reset, and a DIR file (directory file) 21 and a DF (dedicated file) are located below it. Ted file) 22. The DIR file 21 is a file in which the directory of the application program existing in the IC card 1 is recorded, and the DF 22 is a file in which the switching function unit 17 (FIG. 1) is realized by software.
[0026]
There are DFs 23 and 24 and an EF (elementary file) 25 under the DF 22. The DF 23 is a file that realizes the electronic money process 12 (FIG. 1), the DF 24 is a file that realizes the point process 14 (FIG. 1), and the EF 25 is a file of the DF 22 of the switching function unit 17. The EF 26 is a file in which the DF 23 of the electronic money process 12 records the electronic money information 13, and the EF 27 is a file in which the DF 24 of the point process 14 records the point information 15. Note that the electronic money handling process 16 in FIG. 1 is included in the DF 24 of the point process 14.
[0027]
FIG. 3 is a flowchart showing an operation from the start of processing of the IC card 1 to starting the point processing 14 in the terminal device 2 having the file configuration shown in FIG.
[0028]
In the figure, in order to start the operation, the terminal device 2 inputs a power supply voltage and a clock to the IC card 1, and then activates the IC card 1 by supplying a reset signal (step 100). . When activated, the IC card 1 outputs ATR (Answer To Reset) information according to the ISO7816 standard. The terminal device 2 reads this ATR information (step 101), and sets a communication protocol with the IC card 1 according to the ATR information.
[0029]
Next, the terminal device 2 selects the DIR file 21 (step 102), and reads the DF information with the program in the IC card 1 from the DIR file 21 (step 103). In this embodiment, the DF 22 that realizes the switching function unit 17 is not described in the DIR file 21, and information of each program of the DF 23 of the electronic money process 12 and the DF 24 of the point process 14 that perform actual processing is described. . The terminal device 2 acquires the DF 24 information of the point processing 14 described in the DIR file 21. According to the acquired information, the DF 24 of the point process 14 is selected using the Select File command defined in the ISO 7816 standard (step 104), and the process proceeds to the execution of the point process 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 to select the DF 24 of the point processing 14 so that the terminal device 2 can handle it. At the same time, the DF 24 of the point processing 14 Data can be transferred to the DF 23 of the electronic money process 12.
[0030]
FIG. 4 is a diagram showing a format of a start instruction command (Start point Transaction command) of the point processing 14 by the terminal device 2 and a response (Start point Transaction response) by the IC card 1.
[0031]
In FIG. 4A, the start instruction command of the point process 14 includes information on CLA, INS, P1, and P2 constituting the header and information on Lc and Le constituting the body. Here, CLA of value x1 is information for distinguishing whether the start instruction command of this point processing 14 is a command defined in the ISO standard, and INS of value x2 is information indicating the type of this command. P1 and P2 of the values x3 and x4 define the details of this instruction (if not specified, they are set to “00”, respectively). Further, Lc of value x5 is information indicating the length of data included in the start instruction command of this point process 14, and Le of value x6 is the length of data included in the response to the start instruction instruction of this point process 14 (If this data length is not specified but variable length, it is set to “00”). These values x1 to x6 are hexadecimal numbers (represented by “x”). In this example, the data length of each piece of information is x1 = "82", x2 = "02", x3 = "00", x4 = "00", x5 = "1D", x6 = "13".
[0032]
After the start instruction command of the point process 14 having such a data structure, the terminal device 2 receives data associated with the sale of the product, that is, data for the point process 14 indicated as “Le Data” in FIG. Sent. This data consists of product price (6 bytes), tax rate (6 bytes), handling date / time / minute / second (7 bytes), handling store ID (4 bytes), and code (6 bytes) indicating the product to be purchased. For a total of 29 bytes (ie, data length “ID”).
[0033]
When the IC card 1 receives each data of the product price, the tax rate, the handling date / time / minute / second, the ID of the handled store, and the code indicating the product to be purchased in response to the start instruction of the point processing 14, the data is received. The execution of the point process 14 is started. When this point processing 14 is completed, the processing result is sent to the terminal device 2 as a response in the format shown in FIG.
[0034]
This response has a structure in which data of the above processing result shown as “Le Data” in FIG. 4B is used as a body, followed by information on SW1 and SW2 constituting the trailer. The data length of this body is specified in advance by the information Le of the start instruction command of the point processing 14, and in this example, the payment product price (6 bytes) to be actually paid, the amount of tax (6 bytes) ), Processed data of year / month / day / hour / minute / second (7 bytes) is added, and the total data is 19 bytes (that is, the data length is "13"). The information of SW1 and SW2 indicates the status of whether or not the IC card 1 has processed normally. In the case of normal processing, SW1 value s1 = “90” and SW2 value s2 = “00”. It is.
[0035]
FIG. 5 is a diagram showing a format of an electronic money information EM movement start instruction command (Start Value Transaction command) and a response (Start Value Transaction Response) by the IC card 1 through the point processing 14 by the terminal device 2.
[0036]
When the IC card 1 returns a normal response to the start instruction command of the point processing 14 shown in FIG. 4 to the terminal device 2, the terminal device 2 receives the response, and then the electronic device having the format shown in FIG. A movement start instruction command for money information is issued (the value x2 of the information INS of this command is set to “04”). This command also has the same format as the start instruction command of the point processing 14 shown in FIG. 4A, but data as “Lc Data” is not sent, and only this command is issued. In this case, the data length in the response requested by “Le Data” is “FF”, that is, 255 bytes. The IC card 1 receives this command and starts moving electronic money information via the point process 14.
[0037]
Therefore, the point processing program 14 requests the electronic money processing program 12 to move the electronic money information. This request is converted into an instruction and response form in accordance with the specifications of the electronic money processing program 12 in the electronic money handling process 16, and the electronic money process is performed via the switching function unit 17 together with the electronic money information. 12 is processed. The electronic money process 12 passes the electronic money information 13 recorded therein to the point process 14 as electronic money information via the switching function unit 17. This electronic money information is encrypted. As shown in FIG. 5 (b), the point processing 14 includes information SW 1 and SW 2 indicating that the processing is normal in addition to the 255-byte electronic money information “Le Data” passed from the IC card 1. Output.
[0038]
FIG. 6 is a diagram showing a format of an electronic money information transfer end instruction command (End Value Transaction command) via the point processing 14 by the terminal device 2 and a response (End Value Transaction Response) by the IC card 1.
[0039]
When the IC card 1 returns the normal response shown in FIG. 5B in response to the electronic money information transfer start instruction command shown in FIG. 5A, the terminal device 2 receives this response. Then, an electronic money information transfer end instruction command is issued through the point processing 14 in the format shown in FIG. 6A (the value x2 of the information INS of this command is set to “08”). This command is issued in a form to which electronic money information indicated as “Lc Data” output from a storage medium (not shown) of opposing electronic money information connected to the terminal device 2 is added.
[0040]
When the IC card 1 receives this electronic money information movement end instruction command, the movement of the electronic money information via the point process 14 is terminated. In this case, the point process 14 that has received the instruction to end the movement of electronic money information converts the electronic money information added to the instruction into a form according to the specifications of the electronic money process 12 by the electronic money handling process 16. Thereafter, it is transferred to the electronic money processing 12 for processing. When the electronic money processing 12 normally receives this electronic money information and completes the processing normally, as shown in FIG. 6B, the amount of electronic money information actually moved and the number of points calculated and added internally , “Le Data” made up of the accumulated points is added to SW1 and SW2 indicating normal processing as a response and output to the terminal device 2.
[0041]
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.
[0042]
In FIG. 4, when the start instruction command for the point process 14 shown in FIG. 4A is received, the point process 14 is activated (step 200), and the received “year / month / date / time received as“ Lc Data ”is also received. “Month” data is acquired from “minute and second” data (step 201). On the other hand, in the EF 27 (FIG. 2) of the point information 14, the accumulated point number for each “month” is registered, and the accumulated point number corresponding to the acquired “month” data is selected from these accumulated point points. Obtain (step 202).
[0043]
Next, a discount rate corresponding to the cumulative number of points acquired is acquired from the point conversion table recorded in the point processing 14 (FIG. 1), and the discount rate and the commodity price received as “Lc Data”. The product price to be paid is calculated by multiplying (FIG. 4A). The formula in this case is
Payment product price = product price x discount rate x (1 + tax rate)
Tax = product price x discount rate x tax rate
(Step 203).
[0044]
Next, the electronic money information 13 of the balance held by the electronic money processing program 12 is acquired via the electronic money handling program 16 (FIG. 1) and the switching function unit 17 (FIG. 1) (step 204). The payment commodity price obtained by the above calculation is compared (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.
[0045]
If it is determined by the comparison process in step 205 that the balance is sufficient, as described above with reference to FIG. 4B, the response (SW1, SW2) indicating normality is obtained by the above calculation. The payment product price and tax amount obtained, and “Le Data” consisting of “year / month / day / hour / minute / second” are added to respond to the terminal device 2 (step 207). When the terminal device 2 receives this response, it sends the movement start instruction command for the electronic money information shown in FIG. 5A to the IC card 1. The central processing unit 10 of the IC card 1 sends this movement start instruction command. Receipt (step 208), and confirms whether this command is correct (step 209). If the command is not correct, a response including information SW1 and SW2 shown in FIG. 5B indicating that the command is not processed normally is output to the terminal device 2 (step 219), and the process is terminated.
[0046]
When it is determined that the transfer start instruction command of the electronic money information captured in step 209 is correct, the point processing program 14 sets the payment commodity price obtained by the above calculation as the transfer amount, and passes through the electronic money handling process 16. Then, a command requesting movement of the electronic money information is passed to the electronic money processing 12 (step 210). When the electronic money processing 12 normally accepts this command (step 211), electronic money information is transferred from the point processing 14 to the terminal device 2 via the electronic money processing 12 by a necessary procedure (step 212). . As a result, the balance of the electronic money recorded in the electronic money information 13 is reduced by this transfer amount, that is, the payment commodity price. 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 to the output electronic money information, as shown in FIG. A response is returned to the terminal device 2 with the information SW1 and SW2 indicating that the electronic money information transfer command has been processed normally.
[0047]
The terminal device 2 that has received the response indicating normality sends an electronic money information transfer end instruction command to the IC card 1 as shown in FIG. Upon receiving this command, the point process 14 performs a procedure for ending the electronic money information transfer process on the electronic money process 12, and when the transfer of the electronic money information ends normally (step 213), the point process 14 Then, an additional point is calculated by multiplying the value obtained by subtracting the amount of tax from the price of the paid payment product by the point coefficient acquired from the above point conversion table. The formula in this case is
Additional points = (Priced product price-Tax) x Point coefficient
(Step 214).
[0048]
Next, the data of “year / month / day” in the data of “handling date / time / minute / second” acquired earlier and this addition point are recorded in the EF 27 (FIG. 2) of the point information 15 (step 216). Then, a new point accumulated point obtained by adding the added point to the point accumulated point of the EF 27 is recorded in the EF 27 of the point information 15 (step 217). At this time, when there is no data of the same month in the EF 27, The accumulated point number for the old month is deleted (step 215). When the recording in steps 216 and 217 is performed correctly, as shown in FIG. 6B, the calculated added points, the new accumulated points, and the payment merchandise price which is the amount of the electronic money information transferred are matched. "Le Data", and a response to which information SW1 and SW2 indicating normal termination is added is output to the terminal device 2 (step 218), and the processing is terminated.
[0049]
When the movement of the electronic money information is abnormally terminated (step 213), a response including the information SW1 and SW2 shown in FIG. 6B indicating that the electronic money information is not normally terminated is output to the terminal device 2 (step 213). 219), the process ends.
[0050]
FIG. 8 is a block diagram showing a specific example of the point conversion table recorded in the point processing program 14 in FIG.
[0051]
In this figure, in this point conversion table, the accumulated point number is divided according to the value, and a discount rate of product price and a point count for calculating additional points are set for each division. Discount rates and point coefficients used in the processing of steps 203 and 214 in FIG. 7 are acquired from this point conversion table.
[0052]
FIG. 9 is a diagram showing an internal configuration of the point information 15 in FIG.
In the figure, the point information 15 is composed of each information of an addition point, a cumulative point number, an update date of the addition point, and an ID unique to the update store for each record number indicating the recording order. In the record number not recorded, the value “FF...” Is recorded.
[0053]
Now, for example, in February 1998, if the point process 14 was operated on the 20th, 21st, 25th and 28th, as shown in FIG. The accumulated point number, the update date of the added point, and the updated unique ID of the store are recorded. Then, if there is a point process 14 with such point information 15 and then the point process 14 is performed on March 20, then the transaction for a new month of March will be made for the first time. All information of the point information 15 is deleted (step 215 in FIG. 7), and information from the transaction on March 20 is recorded in the record number 1 column as shown in FIG. 9B.
[0054]
As described above, in this embodiment, processing such as tax calculation, point calculation, and totalization associated with merchandise transactions is automatically performed in the IC card 1, so these processes are performed by the terminal device 2. Since it is not necessary, and since these processes are performed in the IC card 1, these calculations cannot be performed illegally in the terminal device 2, and the effect of preventing fraud can be obtained.
[0055]
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, wherein 28 is a parking ticket handling processing program, 29 is a parking ticket processing program, and 30 is parking ticket information. The parts corresponding to those in FIG.
[0056]
In the figure, the second embodiment is a process (also executed by the central processing unit 10) by the parking ticket processing program 29 on the card program recording medium 11 in the first embodiment shown in FIG. In the following, this processing is also referred to as parking ticket processing 29), and accordingly, the processing of the parking ticket handling processing program 28 (referred to as parking ticket handling processing 28) is added to the point processing 14. In addition, the switching function unit 17 enables the movement of the parking ticket information PC between the point processing 14 and the parking ticket processing 29. Here, the parking ticket processing program 29 is provided with parking ticket information 30 which is parking ticket recording information. The parking ticket handling process 28 is a process in which the point process 14 refers to or changes the parking ticket information 30 via the parking ticket process 29. When the switching function unit 17 selects the point process 14, the parking ticket is processed. The parking ticket information 30 can be transmitted to and received from the process 29.
[0057]
FIG. 11 is a file configuration diagram showing a file system in the IC card 1 in FIG.
[0058]
In this figure, this file system has a configuration in which a DF 31 that realizes the parking ticket processing 29 is added to the file system shown in FIG. 2, and an EF 32 that records the parking ticket information 30 is provided in the parking ticket processing DF 31. It has been. The electronic money handling process 16 and the parking ticket handling process 28 in FIG. 10 are included in the DF 24 of the point process 14.
[0059]
Also in the second embodiment, as shown in FIG. 12, the operation procedure from when the central processing unit 3 of the terminal device 2 starts processing of the IC card 1 until the point processing program 14 is started is shown in FIG. This is the same as the first embodiment shown.
[0060]
FIG. 13 is a diagram illustrating a format of a start instruction command (Start Point Transaction Command) of the point processing 14 by the terminal device 2 in FIG. 10 and a response (Start Point Transaction Response) by the IC card 1.
[0061]
FIG. 13A shows a start instruction command for the point processing 14 from the terminal device 2 (the value x2 of the information INS representing this command is “02”), which is basically the first embodiment in FIG. It has the same configuration as the same command used in the process (Fig. 4 (a)), but the data "Lc Data" sent by this command includes the price of the product to be purchased, the handling date / time / minute / second, handling The IC card 1 starts the point process 14 in response to such a command.
[0062]
When the IC card 1 starts 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. When the point processing 14 is normally performed, this response includes information SW1 and SW2 indicating normal processing and data of the amount of electronic money information that needs to be transferred and the processed year / month / day / hour / minute / second. “Le Data” is added.
[0063]
FIG. 14 is a diagram showing a format of an electronic money information movement start instruction command (Start Value Transaction Command) via the point processing 14 by the terminal device 2 in FIG. 10 and a response (Start Value Transaction Response) by the IC card 1. is there.
[0064]
Upon receiving a normal response from the IC card 1 in response to the start instruction command for the point process 14 shown in FIG. 13, the terminal device 2 starts moving electronic money information via the point process 14 in the format shown in FIG. An instruction command is issued to the IC card 1. This command is the same as the electronic money information movement start instruction command through the point process 14 in FIG. 1 shown in FIG. Upon receiving this command, the IC card 1 starts moving electronic money information via the point process 14. As in the first embodiment, the point processing 14 sends a response including information SW1 and SW2 indicating processing results in addition to the passed electronic money information from the IC card 1, as shown in FIG. Output to the terminal device 2.
[0065]
FIG. 15 is a diagram showing a format of an electronic money information movement end instruction command (End Value Transaction Command) via the point processing 14 by the terminal device 2 in FIG. 10 and a response (End Value Transaction Response) by the IC card 1. is there.
[0066]
Upon receiving a normal response from the IC card 1 to the electronic money information movement start instruction command shown in FIG. 14, the terminal device 2 finishes moving the electronic money information via the point processing 14 in the format shown in FIG. Issue a directive command. This instruction is the same as the instruction to end moving electronic money information via the point process 14 in FIG. 1 shown in FIG. 6A, and the storage medium of the opposing electronic money information connected to the terminal device 2 It is issued with the electronic money information output by (not shown) added.
[0067]
Upon receiving this command, the IC card 1 ends the electronic money information transfer process via the point process 14. In this case, the point process 14 that has received this electronic money information movement end instruction command converts the electronic money information added to this instruction into a form in accordance with the specifications of the electronic money processing program 12 by the electronic money handling process 16. After that, it is transferred to the electronic money processing program 12 for processing. When the electronic money processing 12 normally receives this electronic money information and completes the processing normally, as shown in FIG. 15B, the amount of electronic money information actually moved and the number of points calculated and added internally , Information indicating the normal processing is formed by forming “Le Data” composed of each data of the accumulated points after the addition and the parking ticket information 30 taken from the parking ticket processing 29 through the parking ticket handling processing 28. It is added to SW1 and SW2 and outputted from the IC card 1 to the terminal device 2 as a response.
[0068]
FIG. 16 is a flowchart showing in more detail the operation of the point processing 14 of the central processing unit 10 of the IC card 1 in FIG.
[0069]
In the figure, when the start instruction command for the point process 14 shown in FIG. 13A is received, the point process 14 is activated (step 200). Then, the accumulated point number is acquired from the point information 15 (step 301), and then the balance of the electronic money information 13 held by the electronic money processing program 12 is acquired via the electronic money handling process 16 (step 302).
[0070]
Thereafter, the priority currency designation information (FIG. 13) sent together with the start instruction command of the point processing 14 is acquired, and it is determined whether the priority currency is electronic money or points (Swap 303). If the priority currency is electronic money, the process branches to electronic money priority processing (step 304) shown in FIG. 17, and if the priority currency is points, the process proceeds to step 305.
[0071]
Assuming that the preferred currency is a point, the transfer amount is expressed as follows:
Transfer amount = Product 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:
Accumulated points for new points = Accumulated points-Product price
Then, the cumulative number of new points is obtained (step 307), the cumulative number of new points is written in the point information 15 (FIG. 10), and the process branches to the parking ticket processing (step 309) shown in FIG.
[0072]
On the other hand, if the transfer amount obtained in step 305 is positive in the determination process in step 306, 0 is set as the cumulative number of new points (step 310), and then the electronic money information 13 acquired in step 302 is updated. The balance 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), a response (FIG. 13B) consisting only of the information SW1 and SW2 indicating the shortage of balance is notified to the terminal device 2 (step 312). Then, the point process 14 is completed.
[0073]
If the transfer amount is within the balance (step 311), the cumulative number of new points (in this case, 0) is written into the point information 15 (step 313), and the amount of electronic money information to be transferred “Le Data” A response in the format shown in FIG. 13B added to the information SW1 and SW2 indicating the normal end by setting the transfer amount is returned to the terminal device 2 (step 314).
[0074]
Upon obtaining this response, the terminal device 2 gives the instruction to start moving electronic money information shown in FIG. 14 to the IC card 1, and the IC card 1 continues the point processing 14 by receiving this instruction (step S1). 315). The central processing unit 10 of the IC card 1 determines whether or not this command is correct (step 316). If this command is correct, the first embodiment shown in FIG. The same processing as steps 210 to 214, 218 shown in FIG.
[0075]
That is, the point processing program 14 passes a command requesting the transfer of the electronic money information of the transfer amount to the electronic money process 12 through the electronic money handling process 16 (step 317). When the electronic money processing 12 normally accepts this command (step 318), the point processing 14 through the electronic money processing 12 through the electronic money processing 12 according to a necessary procedure, to the terminal device 2 as a response to the command shown in FIG. The electronic money information is transferred (step 319). At this time, as shown in FIG. 14B, when the electronic money information to be moved is output from the electronic money processing 12 to the terminal device 2, the point processing 14 indicates that the output electronic money information is included in this response. In addition, information SW1 and SW2 indicating that the electronic money information transfer command has been processed normally are added.
[0076]
Receiving the response indicating normality, the terminal device 2 sends an electronic money information transfer end instruction command to the IC card 1 as shown in FIG. Upon receiving this command, the point processing 14 performs a procedure for ending the electronic money information transfer process on the electronic money process 12, and when the transfer of the electronic money information ends normally (step 320), the transferred electronic money information is transferred. By multiplying the transfer amount that is the value of the information by the additional point coefficient,
Number of points added = amount transferred x coefficient of points added
The number of points to be added is obtained by calculating (Step 321). Then, after the obtained added point number is written in the accumulated point number of the point information 15 (step 322), the process proceeds to execution of the parking ticket process 29 (step 309) shown in FIG.
[0077]
When the movement instruction of the movement start instruction command for the acquired electronic money information is not correct (step 316), or when the movement is not normally performed with respect to the movement start instruction instruction for the correct electronic money information (step 320). Writes the cumulative number of original points in the point information 15 (step 323), and notifies the terminal device 2 of a response (FIG. 15B) consisting only of information SW1 and SW2 indicating that the points are not normal (step 324). ) The point process 14 is terminated.
[0078]
FIG. 17 is a flowchart showing the electronic money priority process (step 304) in FIG.
[0079]
In the figure, first, the “product price” information from the start instruction command of the point processing 14 shown in FIG. 13A taken in step 300 of FIG. 16 and the balance acquired in step 302 of FIG. Thus, the movement point is obtained by calculating the following equation (step 401).
Movement point = product price-balance
Then, it is determined whether the moving point is positive or negative (step 402). If the movement point is negative, the product price is set to the movement amount (step 403) and the process proceeds to step 409.
[0080]
If it is determined in step 402 that the movement point is positive, the balance is set as the movement amount (step 404), and the above movement point is compared with the accumulated point score acquired in step 301 of FIG. 16 (step 405). ). If the accumulated point number is less than the moving point, a response shown in FIG. 13B with only the information SW1 and SW2 indicating that the accumulated point number is insufficient is returned to the terminal device 2 (step 406). ) The point process 14 is terminated.
[0081]
If the total number of points is greater than or equal to the moving point, calculate the total number of new points from the above point total points and moving points by calculating the following formula.
Cumulative points of new points = cumulative points-moving points
The cumulative number of new points is written in the point information 15 (step 408), and the process proceeds to step 409.
[0082]
In step 409, the above-mentioned transfer amount is set as the amount of electronic money information to which “Le Data” is transferred, and a response in the format shown in FIG. 13B added to the information SW1 and SW2 indicating normal end is sent to the terminal device. Return to 2. On the other hand, after confirming the contents, the terminal device 2 gives the IC card 1 a movement start instruction command for the electronic money information shown in FIG. Point processing is continued (step 410).
[0083]
The IC card 1 determines whether or not the given movement start instruction command is correct (step 411). When this command is correct, the same processing as steps 317 to 322 shown in FIG. Do.
[0084]
That is, the point processing program 14 passes a command for requesting the transfer of the electronic money information of the transfer amount to the electronic money process 12 via the electronic money handling process 16 (step 412). When the electronic money processing 12 normally accepts this command (step 413), according to a necessary procedure, the point processing 14 passes the electronic money processing 12 to the terminal device 2 as a response to the command shown in FIG. The electronic money information is transferred (step 414). At this time, as shown in FIG. 14B, when the electronic money information to be moved is output from the electronic money processing 12 to the terminal device 2, the point processing 14 indicates that the output electronic money information is included in this response. In addition, information SW1 and SW2 indicating that the electronic money information transfer command has been processed normally are added.
[0085]
Receiving the response indicating normality, the terminal device 2 sends an electronic money information transfer end instruction command to the IC card 1 as shown in FIG. Upon receipt of this command, the point process 14 performs a procedure for ending the electronic money information transfer process on the electronic money process 12, and when the transfer of the electronic money information ends normally (step 415), the transferred electronic money information is transferred. By multiplying the transfer amount that is the value of the information by the additional point coefficient,
Number of points added = amount transferred x coefficient of points added
The number of points to be added is obtained by calculating (Step 416). Then, after the obtained added point number is written in the accumulated point number of the point information 15 (step 417), the process proceeds to the execution of the parking ticket process 29 (step 309) shown in FIG.
[0086]
When the movement instruction of the movement start instruction command of the acquired electronic money information is not correct (step 411) or when the movement is not normally performed with respect to the movement start instruction instruction of correct electronic money information (step 415). Writes the cumulative number of original points in the point information 15 (step 418), and notifies the terminal device 2 of a response (FIG. 15B) consisting only of information SW1 and SW2 indicating that the points are not normal (step 419). ) The point process 14 is terminated.
[0087]
FIG. 18 is a flowchart showing the parking ticket process (step 309) in FIG.
In the figure, first, the point process 14 in FIG. 10 acquires the parking ticket information 30 of the parking ticket process 29 through the parking ticket handling process 28 (step 501).
[0088]
Here, as shown in FIG. 19, the point information 15 of this point processing 14 is composed of a cumulative point number, a point coefficient, a parking time coefficient, an upper limit value, an update date, and an update store ID. Of these, the information of the point coefficient, parking time coefficient and upper limit value has a function as a management table and cannot be rewritten, and the remaining information, that is, the cumulative number of points, update date, and update The store ID is a part that is rewritten as needed. In addition, as shown in FIG. 20, the parking ticket information 30 is composed of information of the warehousing date and time, the product purchase flag, the parking permission time, and the updated store ID, and is rewritten by the parking ticket processing 29 as needed. It is.
[0089]
Returning to FIG. 18, the date and time (FIG. 20) of the contents of the parking ticket information 30 acquired in step 501 are confirmed to confirm whether or not the parking ticket information 30 is valid (step 502). If there is no valid parking ticket information 30, the process proceeds to step 511, but if there is valid parking ticket information 30, a product purchase flag ( 20) is set to "1" (step 503). As a result, a discount service for parking time by purchasing a product is set.
[0090]
Next, the parking permission time (FIG. 20) already written in the parking ticket information 30 is read (step 504), and whether it is less than the upper limit value (FIG. 19) recorded in the point management table inside the point processing 14 It is confirmed whether or not (step 505). If it is greater than or equal to this upper limit value, the process proceeds to step 511. If it is less than the upper limit value, the following equation is obtained from the parking time coefficient (FIG. 19) recorded in the point management table and the above product price. The addition permission time is obtained by calculation (step 506),
Addition permission time = product price x parking time factor
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 507). If it exceeds, the upper limit value is set to a new parking permission time (step 509), but the addition permission time is set to the upper limit value. If it is less than the value, from this addition permission time and the parking permission time previously read from the parking ticket information (FIG. 20),
New parking permission time = additional permission time + parking permission time
A new parking permission time is obtained (step 508), and the new parking permission time or the new parking permission time set in step 509 is written in the parking ticket information 30 (FIG. 20) as the parking permission time. In this case, the store ID acquired by the start instruction command of the point process 14 shown in FIG. 13A is also written in the parking ticket information 30 (FIG. 20) as the updated store ID (step 510). Thereafter, the already calculated number of added points, new point accumulated points, amount of movement, and new parking permission time are set as “Le Data”, and information SW1 and SW2 indicating normal end are added to this, as shown in FIG. Is output to the terminal device 2 (step 511), and this parking ticket process, and thus the point process 14, is terminated.
[0091]
With the above operation, in the second embodiment, there are two methods for settlement of merchandise, and actual settlement processing is automatically processed in the IC card 1 by instructing these two methods. There is an effect that the terminal device 2 does not need to perform these processes. In addition, a service such as adding a parking ticket parking time, which is another additional function, is automatically performed in accordance with the settlement of the product. Furthermore, since the processing is performed in the IC card 1, even if an attempt is made to perform fraud on the terminal device 2 side in these calculation processes, the effect that the fraud cannot be performed is the same as in the first embodiment. It is.
[0092]
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, in which 33 is a lending process program (also referred to herein as lending process 33), and 34 is a lending process program. The loan balance information 35 is an electronic money handling processing program (here, the processing by this program is referred to as electronic money handling processing 35), and the portions corresponding to those in FIG.
[0093]
In the figure, the third embodiment is different from the first embodiment shown in FIG. 1 in that a function of a lending process 33 is provided instead of the point process 14. The lending process 33 has a structure having lending balance information 34 and an electronic money handling process 35 inside.
[0094]
FIG. 22 is a configuration diagram showing a file system in the IC card 1 of the third embodiment.
[0095]
In this figure, the difference between this file system and the file system of the first embodiment shown in FIG. 1 is that the DF 24 of the point process 14 including the point information 27 in FIG. Instead, a DF 36 that realizes a loan process 33 including the loan balance information 37 is provided. The electronic money handling process 35 in FIG. 21 is included in the DF 36 of the lending process 33.
[0096]
Also in the third embodiment, the operation procedure is the same as that of the first embodiment shown in FIG. 3 until the central processing unit 3 of the terminal device 2 starts the processing of the IC card 1 and starts the lending processing program 33. It is the same.
[0097]
FIG. 23 is a diagram showing a command from the terminal device 2 to the lending processing program 33 in the third embodiment and a response of the IC card 1 to the command.
[0098]
FIG. 4A shows the configuration of the start instruction command (Start Loan Command) of the lending process 33. The basic configuration is the start of the point processing 14 shown in FIG. 4A in the first embodiment. It is the same as the instruction command, but “Lc Data” consists of the loan amount, the handling date / time / hour / minute / second, the store ID of the store handled, and each information of the code indicating the product to be purchased. When received from the terminal device 2, the operation of the lending process 33 is started.
[0099]
When the lending process is started, the inside of the lending process 33 executes the process and responds with the result. As shown in FIG. 23 (b), this response when processed normally includes the loanable amount, the processed month / day / hour / minute / second, the loan limit, the total loan amount, and the encrypted approval number. It consists of SW1 and SW2 information indicating normal processing with “Le Data” consisting of each information added.
[0100]
FIG. 24 is a flowchart showing the operation of the lending process 33 in FIG.
[0101]
In this figure, when the start instruction command of the lending process 33 shown in FIG. 23A is received from the terminal device 2 and started (step 601), the “handling date / time / minute / second” in the “Lc Data” of this command is displayed. Information on the starting month is acquired from the information (step 602), and the accumulated loan balance of the same month as the starting month is acquired from the loan balance information 34 in the loan processing 33 (step 603). .
[0102]
In the table recorded in the lending process 33, as shown in FIG. 25, the balance of the electronic money information 13 is classified, and a lent amount corresponding to each classification is set. That is, the lent amount is determined according to the balance of the electronic money information 13. Further, as shown in FIG. 26, the loan balance information 34 of the IC card 1 includes a loan amount (amount actually loaned with respect to the loan amount “Lc Data” in the start instruction command of the loan processing 33 shown in FIG. 23). And the total of the loan (cumulative sum of the loan amount within the same month: the above-mentioned sum of the loan balance), the date of the loan, and the information of the loan store ID are written and recorded.
[0103]
In FIG. 24, when the process of step 603 is completed, it is determined whether or not the lending process 33 is the first process of the “month” at the start (step 604). In the case where there is no loan balance information 34 in the first process of “month”, that is, the loan process 33 in the same month as the “month” at the start (in FIG. 26, for example, there is only information of record numbers 1 to 4 The loan balance information 34 for March will not be present), and the information of “Month” at the start is recorded in the loan balance information 34 (step 605: in FIG. 26, for example, only the information of record numbers 1 to 4) If the lending process 33 is the first process in March, the information indicating “March” is recorded in the lending date field of record number 5), the electronic money handling process 5 is used to obtain the value (balance) of the electronic money information 13 in the electronic money process 12 (step 606), and from the table recorded in advance in the loan process 33, the balance of the obtained electronic money information 13 is obtained. A loanable amount (FIG. 25) is acquired (step 607: For example, if the balance of the electronic money information 13 is 10,000 yen, the loanable amount is 50,000 yen according to FIG. 25). Recorded in the loan balance information 34 (step 608). In this case, 0 is set in the total loan (in the case where this 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 total loan are set to 0).
[0104]
If the information of the same month as the “month” at the start has already been recorded in the loan balance information 34 (step 604), it is not necessary to acquire and record the loanable amount in the above steps 605 to 608. Instead, the lent amount and the total loan amount are acquired 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, and the loan is made on February 28, 1998. If processing 33 is performed, the total loan at this time is the total loan recorded in record number 3 is 30,050 yen).
[0105]
When the processing in step 604 or 608 ends, the total loan amount is added to the loan amount requested in accordance with the start instruction command of the loan processing 33 (step 609), and the added value is compared with the above lent amount. (Step 610) When the added value is less than or equal to the loanable amount, processing necessary for the loan is executed, and the loan amount and the loan total for the month recorded in the loan balance information 34 (FIG. 26) The added new loan total is recorded in the loan balance information 34 (step 611). This will be explained 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 loan sum is also 5000 yen. Thus, the loan amount 5000 is recorded in record number 5, and the total loan is also recorded as 5000.
[0106]
After that, “Le Data” consisting of information of loan amount, loan date, loan date, loan limit, total loan amount and internally generated encrypted approval number has successfully completed the loan process 33. The terminal device 2 is notified of the response shown in FIG. The terminal device 2 confirms the loan amount in this response, confirms that the approval number is correct, and then notifies the user that the requested loan is possible using the display device 4.
[0107]
When 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 613) The lending process 33 is terminated. The terminal device 2 confirms this response and informs the user that the loan cannot be made using the display device 4.
[0108]
With the above operation, in the third embodiment, the balance of the electronic money information 13 is referred to when setting the lending limit, but this reference can be performed in the IC card 1. There is no need to refer to the outside, and since the setting of the lending limit is automatically performed in the IC card 1 in the first transaction every month, it is not necessary to perform external processing via the terminal device 2 or the like. .
[0109]
【The invention's effect】
As described above, according to the present invention, the point information stored in the IC card is recognized by the central processing unit of the IC card when the product price information is input to the IC card as a command. The central processing processing unit refers to the balance of the product, obtains the grant rate used from the grant rate table recorded in advance on the IC card according to the balance of the points, and multiplies the product price by the acquired grant rate Is executed by the central processing unit, and the calculated additional points are recorded by the central processing unit in the balance of the internal points. Therefore, each time the terminal device acquires point data from the IC card, There is no need to calculate additional points or write new points.
[0110]
In addition, according to the present invention, by inputting the product price information as a command to the IC card, the central processing unit of the IC card recognizes the price of the product, and the balance of the point information stored in the IC card is stored in the IC card. Refers to the central processing unit, obtains a discount rate to be used from a discount rate table recorded in advance on the IC card according to the balance of the points, and performs an operation of multiplying the product price by the acquired discount rate. Since the processing unit executes and the IC card determines the calculated payment amount by itself, the terminal device obtains point data from the IC card, calculates the payment amount using the discount rate, and writes new points. No need to process.
[0111]
Furthermore, according to the present invention, by inputting the transaction date information to the IC card, the central processing unit of the IC card recognizes the transaction date and obtains the expiration date of the points stored in the IC card. The central processing unit itself performs a confirmation operation for comparing the acquired expiration date for each acquired point with the input transaction date. As a result, the central processing unit performs the central processing on the valid points. Since the processing unit performs necessary processing, it is not necessary for the terminal device to acquire all the point score and update date data from the IC card for each point data.
[0112]
Furthermore, according to the present invention, by inputting product price information and a tax rate into the IC card, the central processing unit of the IC card acquires the price and the tax rate, and calculates the payment amount by multiplying the price by the tax rate. Since the calculation processing unit performs the IC card response with the calculated payment amount, the terminal device does not need to calculate the product price and the tax amount.
[0113]
Further, according to the present invention, an IC card having a plurality of functions such as electronic money and points is used, and information on a product price and a tax rate are input to the IC card, thereby confirming an expiration date, adding additional points, and tax rate. In addition to calculating the payment amount applying discounts with points, the central processing unit of the IC card also performs settlement of the payment amount with electronic money, so the terminal device calculates the tax amount for the product price and checks the expiration date The processing for transferring electronic money is reduced as well.
[0114]
Furthermore, according to the present invention, since the IC card has data and arithmetic expressions common to the system, such as the point grant rate necessary for the calculation, the discount rate of the product, and the expiration date of the points, the same calculation can be performed anywhere. Therefore, even if the terminal devices are different, processing is always performed under the same conditions.
[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.
2 is a file configuration diagram showing an internal file system of the IC card in FIG. 1; FIG.
3 is a flowchart showing an operation from the start of processing of an IC card to starting a 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;
4 is a diagram showing a format of a point processing start instruction command by the terminal device in FIG. 1 and a response by the IC card. FIG.
5 is a diagram showing a format of an electronic money information movement start instruction command through a point process by the terminal device in FIG. 1 and a response by the IC card. FIG.
6 is a diagram showing a format of an electronic money information movement end instruction command through a point process by the terminal device in FIG. 1 and a response by the IC card. FIG.
7 is a flowchart showing an operation of point processing of the IC card in FIG. 1; FIG.
8 is a block diagram showing a specific example of a point conversion table recorded in the point processing program in FIG. 1. FIG.
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 block diagram showing a file system in the IC card in FIG.
12 is a flowchart showing an operation from the start of processing of an IC card to the start of a 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 point processing start instruction command by the terminal device in FIG. 10 and a response by the IC card. FIG.
14 is a diagram showing a format of an electronic money information movement start instruction command through a point process by the terminal device in FIG. 10 and a response by the IC card. FIG.
15 is a diagram showing a format of an electronic money information movement end instruction command through a point process by the terminal device in FIG. 10 and a response by the IC card. FIG.
16 is a flowchart showing in more detail the point processing operation of the central processing unit of the IC card in FIG.
FIG. 17 is a flowchart showing electronic money priority processing in FIG. 16;
FIG. 18 is a flowchart showing the parking ticket process in FIG.
19 is a diagram showing a data configuration of point information in FIG.
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.
22 is a block diagram showing a file system in the IC card in FIG. 21. FIG.
23 is a diagram showing a format of a start instruction command for lending processing by the terminal device in FIG. 21 and a response by the IC card. FIG.
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 structure of a table in the lending process in FIG.
26 is a diagram showing a data configuration of loan balance information in FIG. 21. FIG.
[Explanation of symbols]
1 IC card
2 terminal
3 Central processing unit
5 input devices
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 part
28 Parking ticket handling
29 Parking ticket processing program
30 Parking ticket information
33 Loan processing program
34 Loan balance information
35 Electronic money handling processing program

Claims (12)

A terminal unit that reads or writes electrical information and an IC card electrically connected to the terminal unit, and the IC card receives electrical information from the terminal unit and performs determination and processing. A computing unit, an electronic information recording unit that is connected to the central processing unit and stores electronic information therein, and is recorded inside the electronic information recording unit and used as pseudo-money for exchanging or discounting products. In an electronic money system comprising electrical electronic money information or point information similar to electronic money information and the like, and an electronic money transaction function in which the terminal unit reads and writes the electronic information to perform a commercial transaction ,
Value of the read electronic information, Ri already exchange ratio of the product at the time of replacement depending on the value in the electronic information recorded is River,
An IC with a self-setting function, characterized in that the central processing unit of the IC card calculates a replacement ratio with a product corresponding to the value of the electronic information, and outputs the calculated replacement ratio to the terminal unit Card system. In claim 1,
The IC card has at least two pieces of electronic information, and the central processing unit of the IC card calculates an exchange ratio with a product corresponding to the value of one of the electronic information, and the result of the calculation An IC card system with a self-setting function , wherein the other electronic information is moved according to an exchange ratio . In claim 2,
The IC card has at least two pieces of electronic information, the plurality of pieces of electronic information are processed by the central processing unit, and software stored in the IC card that handles one piece of electronic information receives the other piece of electronic information. IC card system with self-setting function, characterized by being able to handle . In claim 3,
The IC card has at least two pieces of electronic information, the plurality of pieces of electronic information are processed by the central processing unit, and software stored in the IC card that handles one piece of electronic information receives the other piece of electronic information. An IC card system with a self-setting function, characterized in that means for switching so that the other electronic information can be written to and read from the software for handling . In claim 1, 2, 3 or 4 ,
The IC card has at least two pieces of the electronic information, and the central processing unit of the IC card calculates an exchange ratio with a product corresponding to the value of one of the electronic information, and the calculation result An IC card system with a self-setting function, characterized in that an operation is performed by multiplying a value of electronic information to be moved by a settable coefficient to move the other electronic information . In claim 1, 2, 3, 4 or 5 ,
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 a determination process according to the time information is performed, whereby the electronic information is valid or invalid IC card system with a self-setting function and performing the determination. A terminal unit that reads or writes electrical information and an IC card electrically connected to the terminal unit, and the IC card receives electrical information from the terminal unit and performs determination and processing. Used as a pseudo-money for exchanging or discounting a computing unit, an electronic information recording unit connected to the central computing unit and storing electronic information therein, and a product recorded in the electronic information recording unit In an electronic money system comprising electrical electronic money information or point information similar to electronic money information, etc., and an electronic money transaction function in which the terminal unit reads and writes the electronic information to perform a commercial transaction ,
The electronic information is given according to the result of a transaction such as purchase of a product, and the value of the given electronic information varies depending on the value of the electronic information already recorded,
The IC with self-setting function , wherein the central processing unit of the IC card calculates the value of the electronic information to be assigned, and outputs the value of the electronic information to which the result of the calculation is given to the terminal unit Card system. In claim 7,
The IC card has at least two pieces of the electronic information, and the central processing unit of the IC card calculates the value of the electronic information to be given according to the value of one of the electronic information. A self-setting function-equipped IC card system , wherein a moving value of the other electronic information is calculated and moved according to the electronic information to which the result is given . In claim 8,
The IC card has at least a plurality of the electronic information, and the software stored in the IC card that processes the plurality of electronic information by the central processing unit and handles one electronic information receives the other electronic information. IC card system with self-setting function, characterized by being able to handle . In claim 9,
The IC card has at least a plurality of the electronic information, and the software stored in the IC card that processes the plurality of electronic information by the central processing unit and handles one electronic information receives the other electronic information. An IC card system with a self-setting function, characterized in that means for switching so that the other electronic information can be written to and read from the software for handling . In claim 7, 8, 9 or 10 ,
The IC card has at least two pieces of electronic information, and the central processing unit of the IC card calculates the value of the other electronic information that moves according to the value of one of the pieces of electronic information, and An IC card system with a self-setting function , wherein a calculation is performed by multiplying a value of electronic information to be moved as a result of the calculation by a settable coefficient, and the other electronic information is moved . In claim 7, 8, 9, 10 or 11 ,
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 a determination process according to the time information is performed, whereby the electronic information is valid or invalid IC card system with a self-setting function and performing the determination.

Images