JPH01129377A - Portable electronic equipment - Google Patents

Abstract

PURPOSE:To reduce a damage due to the fabrication of information by providing a means for forming recognition information for recognizing the propriety of transaction information at the time of a transaction and a means for outputting the recognition information formed by this recognition information forming means. CONSTITUTION:The recognition information for recognizing the propriety of the transaction information is formed by coding the transaction information such as the amount of transaction money by the use of prescribed key information and this formed recognition information is displayed and outputted, for instance. The displayed and outputted recognition information is entered to a transaction slip together with the transaction information and the entered recognition information is tested thereafter. Thereby, whether the transaction information is proper or not it easily decided to prevent the forgery of a portable electronic equipment and the transaction information.

Description

[Detailed Description of the Invention] CObject of the Invention] (Industrial Application Field) The present invention relates to a portable electronic device called an IC card, which is used in a financial transaction system such as a credit system or a cashless shopping system. Regarding equipment.

(Prior Art) In recent years, credit systems in which payments are made using credit cards, for example, have become widespread due to their convenience and safety.

Magnetic cards have traditionally been used as credit cards in such credit systems, but recently they have been replaced by erasable non-volatile memories with expanded storage capacity and CP that controls them.
It has been considered to use a so-called IC card containing a built-in IC chip having a control element such as a U.

Now, in such a Naricredit system, the embossed information (customer information) printed on the front of the credit card is usually copied onto the transaction slip using an emboss imprinter at the cashier's office of the retail store, and the clerk copies it onto the transaction slip. By entering transaction information such as the transaction amount and transaction date on the transaction slip, you can keep it as evidence of the transaction.
The system is such that payments are automatically made from the customer's bank account at a later date.

In such a Naricredit system, counterfeiting of slips is prevented by imprinting embossed information when creating transaction slips, and counterfeiting of credit cards is prevented by visual judgment by clerks.

Additionally, some cards prevent counterfeiting by checking the information on the magnetic stripe with the cardholder's password.

However, it is difficult to install terminal devices for reading magnetic stripes in all retail stores, and most of the information is imprinted with embossed information. In addition, some stores do not have embossing imprinters and create transaction slips by having clerks fill them out. Therefore, for example, it is easy for a cardholder to forge a credit card or forge transaction information by a store clerk when creating a transaction slip, making it difficult to determine whether the transaction information on the transaction slip is legitimate. Met.

(Problems to be Solved by the Invention) The present invention has been made in order to solve the above-mentioned problem that transaction information is easily falsified and it is difficult to determine the validity of transaction information. An object of the present invention is to provide a portable electronic device that can easily confirm the validity of transaction information and reduce damage caused by forgery of transaction information.

[Structure of the Invention] (Means for Solving the Problems) The present invention has a memory unit that stores at least transaction account information, and a control unit that controls the transaction account information. A portable electronic device that conducts transactions based on transaction account information, comprising: confirmation information generation means for generating confirmation information for confirming the validity of transaction information at the time of said transaction; and confirmation information output means for outputting confirmation information.

(Operation) For example, by encrypting transaction information such as the transaction amount using predetermined key information, confirmation information for confirming the validity of the transaction information is generated, and this generated confirmation information is displayed and output, for example. By entering the displayed confirmation information in the transaction slip together with the transaction information, and checking the written confirmation information later, you can check whether the transaction information is valid or not. It becomes possible to easily determine the identity of the person, and it is possible to prevent forgery of portable electronic devices and transaction information.

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

FIG. 3 shows an example of a portable electronic device according to the present invention.
For example, it shows the appearance of a multifunctional IC card used as a credit card. This IC card can be used both online and offline. And, for example, it is possible to trade with multiple accounts (
For example, a transaction function that can be used as multiple types of credit cards or cash cards, a clock function that displays time information consisting of date information and time information, a calculator function that performs at least four arithmetic operations, and an address, name, and phone number. It has an electronic memo pad function that allows you to register and read out such information.

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

The keyboard 5 has an account key for specifying an account -7゜8.9
, 10, a numeric keypad 11, an addition key 12 as four arithmetic operation keys, a subtraction key 13, a division key 14, a multiplication key 15, a decimal point key 16, an equal key 17, etc. are provided.

The account key 7 specifies a first business (processing) for a first account (for example, a first credit card), and the account key 8 specifies a second business for a second account (for example, a second credit card). Specify the business and use the account key 9 to specify the third account key 9 for the third account (for example, the first cash card).
The account key 10 is designed to specify a fourth business for a fourth account (for example, a second cash card).

The addition key 12 is also used as a next key to advance the display state of the liquid crystal display section 4 to the next one, and the subtraction key 13 is
It is also used as a back key to return the display state of the liquid crystal display section 4 to the previous state, 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 a start key (power on key). It looks like this.

Note that embossed information (not shown) as customer information is printed on a predetermined portion of the back surface of the card body 1.

FIG. 2 shows the circuit configuration of the integrated circuit 2. As shown in FIG.

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 that checks whether the voltage of the battery 6 is above a specified value, 25 is a clock control circuit, and 26 27 is an oscillator that generates a clock with a frequency of, for example, IMHz, and 27 is a CPU (central controller) that is a control unit that controls the overall
28 is a program memory composed of a mask ROM etc., 29 is a program working memory, 30 is a data memory (memory section) composed of a non-volatile memory such as an EEPROM, and 31 is a clock for measuring during processing operations. 32 is a clock circuit unit that generates time information consisting of date information and time information; 33 is an oscillator that generates a clock having a frequency of, for example, 32.768 KHz; 34 is a display control circuit; 35 36 is a keyboard interface circuit serving as an input circuit for the keyboard 5; and 37 is a confirmation information generating section that generates confirmation information for confirming the validity of transaction information.

Communication control circuit 21, battery check circuit 24, CPU
27, program memory 28, program working memory 29, data memory 30, timer circuit 31, clock circuit section 32, display control circuit 34, keyboard interface circuit 36, and confirmation information generation section 37 are connected by a data bus 38. There is.

The communication control circuit 21 operates when online.
Serial data supplied from the terminal device via the contact unit 3 is converted into parallel data and output to the data bus 38, or parallel data supplied from the data bus 38 is converted to serial data and transmitted via the contact unit 3. It is designed to output to a terminal device.

The reset control circuit 22 operates when online, receives a reset signal supplied from the terminal device via the contact section 3, and starts the CPU 27.

When the power supply control circuit 23 goes online, it switches from being driven by the battery 6 to being driven by an external power source (supplied from the terminal device via the contact section 3) after a predetermined time has elapsed, and when it goes offline, the When the voltage of the external power supply drops, the battery 6 is switched from being driven by the external power supply.
Control is performed to switch to drive by

When offline, the clock control circuit 25 stops the operation of the oscillator 26 that generates the IMHz clock, and also stops the supply of the clock to the CPU 27, resulting in a complete stop state. do. In this state, when the start key 17 is turned on, the oscillator 26 is operated and the 32.768 KHz clock clock output from the clock circuit section 32 is transmitted to the CPU.
27, and when the next key operation is performed after the start key 17 is turned on, the 1. A 4 Hz signal is supplied to the CPU 27 at the same time. 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 section 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, and other programs. The CPU 27 selectively executes programs in the program memory 28 to perform processing, thereby selectively operating a transaction function, a clock function, a calculator function, an electronic memo pad function, and the like.

The data memory 30 stores account information (including transaction expiration date information, transaction limit information, PIN number, etc.) corresponding to each of the first to fourth accounts described above.
By pressing the account keys 7 to 1o, the corresponding account information is selected, and the corresponding business is executed based on the account information. Further, the data memory 30 has an area for an electronic memo pad, and within that area, the address 1
Data such as name and phone number are stored.

The clock circuit section 32 receives 32.7 output from the oscillator 33.
By dividing the 68KHz clock, 1sec
A frequency dividing circuit 321 that generates a clock, this frequency dividing circuit 3
By counting the clocks generated from 2],
It is composed of first and second clock circuits 322 and 323 that generate time information consisting of date information and time information.

The first clock circuit 322 is a display clock circuit that allows the card holder to freely set and change time information by operating the keyboard 5. The second clock circuit 323 is a clock circuit in which the time information is set, for example, when the card is issued, and thereafter the time information cannot be changed unless the validity of the operation is proven through a specific procedure.

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

The confirmation information generation unit 37 generates confirmation information for confirming the validity of transaction information as described above. For example, as shown in FIG. 1, transaction information such as transaction amount and account type is generated in advance. Confirmation information is generated by encrypting it using predetermined key information that is set.

Next, in such a configuration, a case will be described in which, for example, the present IC card is used for offline shopping. First, the cardholder presents the IC card to a clerk at a retail store. The clerk receives the IC card and imprints the emboss information on the IC card on the emboss imprint portion of the transaction slip using an emboss imprinter. Next, the clerk returns the IC card to the card owner and writes the transaction information, namely the transaction amount and transaction date, in the corresponding entry fields of the transaction slip.

The cardholder first presses the account keys 7 to 10 on the keyboard 5.
Select the account type by. Then, the CPU 27
The account information corresponding to the selected account type is read from the data memory 30, and the account type and input of the password are displayed on the liquid crystal display section 4. The cardholder then
By inputting a PIN number using the numeric keypad 11 of the keyboard 5, the CPU 27 compares and verifies the entered PIN number with the PIN number in the account information read from the data memory 30, thereby verifying the authenticity of the cardholder. judge. If the result of this judgment is that it is incorrect, a message to that effect is displayed on the liquid crystal display section 4, and the transaction is terminated. As a result of the above determination, if it is the main gate, the CPU 27 displays on the liquid crystal display section 4 a message "Are you shopping?".

Here, the cardholder presses the yes key 1 on the keyboard 5.
By pressing 7, the CPU 27 sets the shopping mode and compares and verifies the transaction expiration date information in the account information read from the data memory 30 and the date information generated from the second clock circuit 323. The expiration date is determined by As a result of this determination, if it is outside the expiration date, a message to the effect that the expiration date has been exceeded is displayed on the liquid crystal display section 4, and the transaction is terminated. As a result of the above determination, if it is within the expiration date, the CPU 27 displays on the liquid crystal display section 4 a guide to input the transaction amount.

Therefore, by inputting the transaction amount using the numeric keypad 11 of the keyboard 5, the cardholder
7 determines whether the transaction is possible by comparing and checking the input transaction amount with the transaction limit information in the account information read from the data memory 30. As a result of this determination, if the transaction is impossible, a message to that effect is displayed on the liquid crystal display section 4, and the transaction is terminated. As a result of the above determination, if the transaction is possible, the CPU 27 subtracts the input transaction amount from the transaction limit information in the account information read from the data memory 30, and stores the result as new transaction limit information in the data memory 30. Update the transaction limit information in 30.

Further, as shown in FIG. 1, the CPU 27 supplies the transaction information (transaction amount and account type) at this time to the confirmation information generation section 37. The confirmation information generation unit 37 generates confirmation information by encrypting the input transaction information using predetermined key information.

This generated confirmation information is displayed on the liquid crystal display section 4 by the CPU 27.

The cardholder then displays the IC card displaying the verification information.
Show your card to the clerk. The clerk receives the IC card, enters the displayed confirmation information and account type in the corresponding entry fields of the transaction slip, and hands the transaction slip to the cardholder. The cardholder writes his or her name in the signature field of the transaction slip and returns the transaction slip to the clerk.

The confirmation information entered in the transaction slip in this way can be verified at a later date, for example, when the credit card company checks the contents of the transaction slip, making it easy to determine whether the transaction information entered in the transaction slip is legitimate. It becomes possible to judge.

Therefore, forgery of an IC card by a card holder or forgery of transaction information by a store clerk can be prevented, and damage caused by forgery of an IC card or transaction information can be reduced.

In addition, although the said Example demonstrated the case where it used offline, it can implement similarly when it uses online. In this case, the generated confirmation information is not displayed on the liquid crystal display section 4, but is sent to the terminal device in which the IC card is set for online use. In the terminal device, the validity of the transaction information can be confirmed by checking the received confirmation information using an algorithm similar to that of the confirmation information generation section 37.

In addition, 1. In the above embodiment, the transaction amount and account type are used as the transaction information to be encrypted, but the information is not limited to this. For example, time information generated from the second clock circuit 323 or the number of transactions (transaction data memory per 3
(updated and stored to 0) may also be used. In short, the transaction information to be encrypted only needs to include at least one of these pieces of information.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide a portable electronic device that can easily confirm the validity of transaction information and reduce damage caused by forgery of transaction information.

[Brief explanation of the drawing]

The drawings are for explaining one embodiment of the present invention. Fig. 1 is a diagram explaining the procedure for generating confirmation information, Fig. 2 is a block diagram showing the circuit configuration of an integrated circuit, and Fig. 3 is an IC card. FIG. 2...Integrated circuit, 3...Contact section, 4...Liquid crystal display section (output means), 6...
...Battery, 21...Communication control circuit, 27.
... CPU (control section), 28 ... program memory, 30 ... data memory (memory section), 32 ... clock circuit section, 321 ... ...
Frequency dividing circuit, 323...Second clock circuit, 33...
. . . Oscillator, 37 . . . Confirmation information generation unit (confirmation information generation means). Applicant's agent Patent attorney Takehiko Suzue Figure 1

Claims (1)

[Scope of Claims] (1) A mobile phone having at least a memory section for storing transaction account information and a control section for controlling these, and conducting transactions based on the transaction account information stored in the memory section. a confirmation information generating means for generating confirmation information for confirming the validity of the transaction information at the time of the transaction; and a confirmation information outputting means for outputting the confirmation information generated by the confirmation information generation means. A portable electronic device characterized by comprising: (2)
2. The portable electronic device according to claim 1, wherein said confirmation information generation means generates confirmation information by encrypting said transaction information using predetermined key information. (3) The portable electronic device according to claim 1, wherein the confirmation information output means displays and outputs the confirmation information generated by the confirmation information generation means. (4) The transaction information includes transaction amount, transaction account type,
2. The portable electronic device according to claim 1, wherein the portable electronic device includes at least one of information such as transaction date and number of transactions. (5) The portable electronic device according to claim 1, wherein the memory section is an erasable nonvolatile memory. (6) The portable electronic device according to claim 1, which is used as a credit card.