JPH02140892A - Ic card system - Google Patents

Abstract

PURPOSE:To satisfy plural magnetic card functions with the possession of a single IC card by providing magnetic card information registering areas divided at every magnetic card issuing series in the memory means of the IC card. CONSTITUTION:An area 101, which temporarily stores the selective number of the input card company series, and an area 102, which inputs an inputted code number, a deposit/withdrawal amount, etc., at the time of using it as a cash card, are provided. Further, an area 103, which stores the series number of the company registered in the IC card, an area 104, which stores confirming information such as a company name to confirm the correspondence with the contents stored into the area 101 at the time of selecting the company series, and an area 105, which registers the contents of the magnetic recording part of the magnetic card, are provided, and the information can be read and rewritten at every magnetic card issuing series. Thus, the information can be registered at every magnetic card, and by possessing only a single IC card, the plural magnetic card functions can be satisfied.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an IC card having a built-in memory as a storage means, and is a technology that is particularly effective when applied to integrated management of information on credit cards, bank cards, etc. Regarding.

[Conventional technology]

An example of this type of technology described is "Nikkei Communication," published by Nikkei BP, July 11, 1988, pages 68 to 89.

On the relevant page of the above document, the article entitled "Special Feature: IC Cards Used by Shops" covers recent IC card usage techniques,
Future directions are being considered.

The IC card is attracting attention as a replacement for the magnetic card in the near future because it has a larger storage capacity and superior confidentiality than the magnetic cards commonly used at present.

[Problem to be solved by the invention]

By the way, currently it is common for one person to own multiple magnetic cards, but even if these become IC cards, for example, if the user has transactions with multiple banks or credit card companies. , it is necessary to own a large number of IC cards for each of these series, and no consideration has been given to resolving the complexity of owning multiple cards.

The present invention has been made in view of the above-mentioned problems, and its purpose is to enable the registration of multiple series of magnetic card information on a single IC card, thereby eliminating the complexity of having multiple cards. Our goal is to provide technology that can.

The above and other objects and novel features of the present invention will become apparent from the description of this specification and the accompanying drawings.

[Means for Solving the Problems] A brief summary of typical inventions disclosed in this application is as follows.

That is, a magnetic card information registration area divided for each magnetic card issuing series is provided in the storage means of the IC card, and information can be read and rewritten for each magnetic card issuing series.

Further, there is also a readout means for reading out all the information in the magnetic recording section of the provided magnetic card, and an IC for assigning an ID of the magnetic card issuing group to the read information and storing it. An IC consisting of an information processing means that assigns an address to the information registration area of the card, and a writing child that writes new information generated by the information processing means to the magnetic card information registration area of the IC card through the electrode terminal of the IC card. It has a card recording device.

[Effect]

According to the above means, since the inside of the storage means of the IC card is divided into magnetic card information registration areas for each magnetic card issuing series, information can be registered for each magnetic card in the foil area. Therefore, - When an individual owns a new magnetic card, he/she can simply register the information of this magnetic card in the free space in the magnetic card information registration area of the above-mentioned IC card, and then the single IC card can be used. It becomes possible to satisfy the functions of multiple magnetic cards by owning one.

Further, the above-mentioned IC card recording device makes it extremely easy to integrate a plurality of magnetic cards to create a general-purpose IC card.

〔Example〕

FIG. 1 is a block diagram showing an outline of the memory configuration of an IC card according to an embodiment of the present invention, FIG. 2 is a block diagram showing the configuration of an IC card and its peripheral equipment according to this embodiment, and FIG. An explanatory diagram showing an example of the format in the magnetic recording section of the card, Fig. 4 is a flow chart showing the procedure for registering data to the IC card, Fig. 5 is a flow chart showing the procedure for using the IC card, and Fig. 6 is the flow chart showing the procedure for registering data to the IC card. FIG. 7 is a block diagram showing an overview of the network in the credit series; FIG. 7 is an explanatory diagram showing the IC card recording device used in this embodiment; FIG.
The figure is a block diagram thereof, and FIG. 9 is a plan view showing the external appearance of the IC card.

In FIG. 2 showing the system configuration of this embodiment, 201
202 is a terminal device such as a POS (Point of 5ales), a credit card terminal, or a cash dispenser; 202 is a reading/writing device that controls reading and writing of the IC card 203; The configurations of the terminal device 201 and the read/write device 202 are the same as those of known technology, so the explanation will be omitted.

The appearance of the IC card 203 used in this embodiment is as shown in FIG. 9, and the display 9 consists of a liquid crystal panel.
01, electrode pads 902 and numerical keys 903 are arranged.

Inside the IC card 203, a processor section 203a,
It has a key manual control section 203b, a display control section 203c, and a memory 203d, and data can be transferred between these via a bus 203f. In addition, memo 'J
203d is a backup batch! J203e, the memory contents can be retained even when the power is turned off.

Note above! FIG. 1 shows the memory configuration in J203d. In the same figure, 101 is an area for temporarily storing the selection number of the credit card company's group inputted through the key manual control unit 203b, and 102 is an area for inputting the manually inputted password, etc. in the same way as above. It is.

Note that this area 102 also stores deposit/withdrawal amounts and the like when the IC card 203 is used as a bank cash card. Reference numeral 103 is an area where the series number of the company registered in the IC card 203 is recorded, and each time information on the magnetic card is recorded, the series number of the corresponding company is assigned. By the way, when deleting magnetic card information of a specific company affiliated company due to cancellation of credit contract, account cancellation, etc., a specific deletion code is assigned to this area 103 of the relevant affiliated company. is prohibited from being used as a card. Also, area 101
When searching for whether or not there is a transaction with the relevant company using the selection information of the series once stored in the area 103 as a search key,
serves as the search target field.

Reference numeral 104 in the figure is an area for storing confirmation information such as a company name to confirm that it matches the content stored in area 101 when a company affiliate is selected, and 105 is an area for storing confirmation information such as a company name to confirm that it matches the content stored in area 101. This is the area to register. In this area 105, all the contents of the magnetic recording part (usually formed by embedding a magnetic film tape on the surface of the card) of magnetic cards issued by banks, credit companies, etc. are recorded for each card. .

Here, as an example, the format structure in the magnetic recording section of a magnetic card will be explained with reference to FIG.

In the figure, 301 is an area where the start code is recorded;
302 is an area for recording membership number, expiration date, etc.;
303 is a free area which differs depending on each bank and credit company, 304 is an area where an end code is recorded, and 305 is a check area for checking when writing and reading.

Next, the procedure for registering the recorded contents in the magnetic recording section of the magnetic card in the IC card 203 will be explained using FIG. 4.

Note that the figure shows a case where information is written to the IC card 203 by the terminal device 201 connected to the network.

First, when the IC card 203 for writing is inserted into the terminal device 201 described in FIG. 2, the data on the magnetic card is read by the terminal device 201 (step 401).
). At this time, the object to be read is, for example, the terminal device 20.
1, and a host device 204 that manages all information on magnetic cards at banks or credit card companies connected online. In addition to reading data from the host device 204, the terminal device 201 reads magnetic cards and IC cards.
In a structure in which the card 203 is inserted at the same time, data may be directly read from the magnetic recording section of the magnetic card.

Next, the terminal device 201 adds the company name of the bank or credit company to the data read above and transfers the data to the IC card 203 as new data (402>).

The IC card 203 that has received the above data first checks the area 103 under the control of the processor 203a to determine the corresponding company number.

- Numbers are sequentially added to the area 103 for boat fishing, but all expected company numbers may be assigned in advance. After the registration of the company number in the area 103 is completed in this way, the company data added by the terminal device 201 is registered in the corresponding area 104, and then the data read from the magnetic card is registered in the area 105 (403 ).

As described above, the data in the magnetic recording section of the - IC card is stored in the IC card 203 with the same format configuration.
It is registered in area 102 of . The contents of the company selection number etc. registered in this way are displayed on the display 901 of the IC card 203 or the display screen on the terminal device 201, making it easy for the user to confirm (40
4).

The above explanation with reference to FIG.
As described below, it is also possible to create a general-purpose IC card by registering the contents of a plurality of magnetic cards in the IC card 203 at the level of an individual user, as shown below.

FIG. 7 shows an IC card recording device used in such a case.

In the figure, an IC card recording device 701 includes a magnetic card insertion lower 02 into which a magnetic card 704 is inserted, and an IC card recording device 701.
It has an IC card insertion lower 03 into which a card 203 is inserted. The internal configuration of the IC card recording device 701 is as shown in FIG.
The configuration is such that data is read from the magnetic recording section of the magnetic card. The processor 801 inside the device refers to the data read above, reads out the company name registered in the memory 802 in advance through the bus 803, adds it to the above data, and writes it to the electrode of the IC card 203 as new data. It is transferred to the IC card 203 via the pad 902. The IC card 203 that has received the data performs the processing from step 403 in FIG. 4 described above, and writes the data into areas 103-105.

Next, the IC with the magnetic card data registered as above
The procedure for using the card 203 will be explained using FIGS. 6 and 5.

FIG. 6 shows the network configuration of the online verification service performed when using a credit card. In the figure, 601 is a POS or credit-only terminal (so-called CAT terminal) installed in a store. For example, when a payment is made using a card at a store, an operator such as a store clerk Through the operation, data on the IC card 203 is sent to the credit service center 603 via the exchange 602. The credit service center 603 further switches the online route to each card issuer based on this data and executes a credit inquiry based on the set criteria of each card issuer, and the result is sent to the terminal 601 via the reverse route to the above. is sent back as response data.

When performing the above operations, the operator must use the IC provided by the customer.
When inserting the card 203 into the credit terminal 601, only the company selection number is input, and thereafter credit inquiries can be made in the same way as with a normal magnetic card. That is, according to this embodiment, the data read from the IC card 203 is stored in the area 105 which is the same as the format configuration of the magnetic card.
Therefore, the exchange 602 and the credit service center 603 determine whether the target is a magnetic card or an IC card.
Uniform credit inquiry processing becomes possible without the need to distinguish whether it is a card or not.

FIG. 5 shows an example in which the IC card 203 is used as a bank cash card.

First, when a company selection number is input from the numeric key 903 by an operator (in this case, the cardholder), this numeric value is input to the key human control unit 2 in the IC card 203.
03b and is set in area 101 in memory 203d (step 501).

The processor 203a searches all areas 1 in the IC card 203 using the value set in the area 101 as a search key.
03 that matches this, reads the corresponding company name from the area 104, and displays it in the display control unit 203.
C (502).

At this time, for example, in FIG. 1, the selection number is "1".
” is selected, data “AAA” in area 104 corresponding to this is displayed in area 103 on the display 901 on a liquid crystal display.

The operator confirms whether the company selected by the operator is based on the above display, and if this is different, repeats the processing from step 501 onward.

If they match, the process proceeds to the next step (503).

Next, the operator manually inputs, for example, a four-digit password using the numerical keys 903. At this time, payout/
The selection of the deposit mode and the amount are entered manually using the numerical keys 903. It should be noted that the above-mentioned manually entered password and the like may be configured not to be displayed on the display 901 in order to maintain confidentiality.

The data input in this way is stored in the -dan area 102.
(504).

IC card 20 on which the prescribed input has been completed as described above
3 is inserted into the terminal device 201 or the read/write device 202 possessed by this terminal device 201 (505)
.

In this state, the processor 203a in the IC card 203 stores the magnetic card information in the area 105 corresponding to the company name entered using the numeric keys 903, and numerical values such as the PIN number, withdrawal/deposit, and amount stored in the area 102. Terminal device 2
01 (506).

In the terminal device 201, since the data from the area 105 is in the same format as a conventional magnetic card, it can perform the same processing as a normal magnetic card. Furthermore, data such as the password, withdrawal/deposit, amount, etc. from the area 102 can be processed in the same way as input from the keyboard of the terminal device 201 itself in the conventional terminal device 201 (507). .

Although the invention made by the present inventor has been specifically explained above based on Examples, it goes without saying that the present invention is not limited to the above Examples and can be modified in various ways without departing from the gist thereof. Nor.

For example, as the IC card 203, the processor 203
Although the structure has been described in which a processor is provided, the IC card may have a structure that does not include a processor. In this case, the processing from step 403 onward in FIG.
1 or the processor 70 of the IC card recording device 701
5 will be in charge.

Further, although the IC card 203 has a structure in which numerical keys 903 are arranged on its surface, it is also possible to directly assign a company name or the like to these keys to improve operability.

Furthermore, in the explanation of FIG. 5, a case has been described in which the PIN, withdrawal/deposit mode selection, and amount are input in advance to the IC card 203 using the numeric keys 903, but these operations are not conventional. This may also be done by operating the terminal device 201.

Furthermore, in the terminal device 201, a flag that allows recognition of whether the company name is bank-related or credit-based is set as card information, and this is determined to instruct manual operation using the IC card 203. You can do as you like.

The above description will mainly focus on the field of application of the invention made by the present inventor, which is an IC integrated with so-called bank cash cards and credit card credit cards.
Although we have explained the case where it is applied to a card system, it is not limited to this. For example, in addition to the above, information on ID cards issued by companies that are used as personal identification cards can also be managed in an integrated manner. It may also be constructed as an IC card system.

〔Effect of the invention〕

A brief explanation of the effects obtained by typical inventions disclosed in this application is as follows.

That is, according to the present invention, since the inside of the storage means of the IC card is divided into magnetic card information registration areas for each magnetic card issuing series, information can be registered for each magnetic card in the area. Therefore, - When an individual owns a new magnetic card, he/she can simply register the information of this magnetic card in the free space in the magnetic card information registration area of the above-mentioned IC card, and then the single IC card can be used. It becomes possible to satisfy the functions of multiple magnetic cards by owning one.

Further, the above-mentioned IC card recording device makes it extremely easy to integrate a plurality of magnetic cards to create a general-purpose IC card.

[Brief explanation of the drawing]

Fig. 1 is a block diagram showing the outline of the memory configuration in an IC card according to an embodiment of the present invention, Fig. 2 is a block diagram showing the arrangement of the IC card and its peripheral equipment according to this embodiment, and Fig. 3 is a magnetic An explanatory diagram showing an example of the format in the magnetic recording section of the card; Fig. 4 is a flow diagram showing the procedure for registering data to the IC card; Fig. 5 is a flow diagram explaining the procedure for using the IC card; Figure 7 is an explanatory diagram showing the IC card recording device used in the above embodiment, Figure 8 is its block configuration diagram, and Figure 9 is a block diagram showing the outline of the network for credit series. FIG. 2 is a plan view showing the appearance of the IC card used. 101 to 105...area (in IC card memory),
201... Terminal device, 202... Reading/writing device, 2
03...rc card, 203a...processor, 2
03b... Key manual control unit, 203C... Display control unit, 203d... Memory, 203e... Battery,
203f...Bus, 204...Host device, 301
...Start code, 301-305...Area (magnetic card), 601...Credit dedicated terminal, 602...
・Exchange machine, 603...Credit service center, 6
04...Card issuing company, 701...IC card recording device, 702...Magnetic card insertion slot, 703...
tC card insertion slot, 704...Magnetic card, 705.
...Processor, 801...Processor, 802...
・Memory, 803...Bus, 804...Magnetic head, 901...Display, 902...Electrode pad, 903...Numeric key agent Patent attorney Dai Tsutsui Kazu Figure Figure Figure UZ

Claims (3)

[Claims] 1. An IC card system in which a magnetic card information registration area divided for each magnetic card issuing series is provided in a storage means of an IC card, and information can be read and rewritten for each magnetic card issuing series. 2. The IC card according to claim 1, wherein each of the magnetic card information registration areas divided for each magnetic card issuing series has a format substantially the same as a recording format in a magnetic recording section of the magnetic card. system. 3. A reading means for reading out all the information in the magnetic recording part of the provided magnetic card, and an IC card for assigning an ID of the magnetic card issuing group to the read information and storing it. An IC card recorder comprising an information processing means for assigning an address to an information registration area, and a writing means for writing new information generated by the information processing means into the magnetic card information registration area in the IC card through an electrode terminal of the IC card. IC card system with device.