JPH03198153A - Ic card - Google Patents

Abstract

PURPOSE:To set an available period and a limit available amount of an IC card and to enable a user of the card to easily grasp the necessary information processing contents by containing an alarm generating means which outputs an alarm signal via a CPU when the accumulation information exceeds a inherent information. CONSTITUTION:An available period and a limit available amount of an IC card are set and stored as the inherent information 30A. Then the inherent information 30A is compared with the accumulation information 30B obtained by accumulating the input information on the available mounts, etc. An alarm generating means 40 warns a fact that the information 30B exceeds the information 30A based on the result of comparison. As a result, a user can use intentionally his/her IC card within a range of the proper information set by himself/ herself and also can minimize the loss due to the loss of the card. Furthermore the inberent information 30A can be rewritten as necessary. Then the availability of the IC card is improved.

Description

[Detailed Description of the Invention] Purpose of the Invention; (Field of Application in Business A) This invention is based on the invention, when information in which input information such as usage amount is accumulated exceeds unique information in which limited information such as budget for a predetermined period is stored. The present invention relates to an IC card particularly used in financial institutions, etc., which has a built-in alarm generating means that determines whether or not the amount has exceeded the limit and outputs an alarm signal if the amount has been exceeded.

(Prior Art) Recently developed cards have magnetic stripes attached to the card body so that input information for machine processing can be recorded and/or recorded information can be read out as needed. There are cards, IC cards, etc. that have a built-in IC chip with a built-in CPU and memory.

Here, a general IC card will be explained with reference to FIG. The card body of the IC card has a built-in CPU 2 and memory 3 for processing and storing information from the outside, and the IC card sends and receives signals and supplies voltage through external terminals. Information can be written to and read from the outside of the card. C.P.
II2 has a VCC terminal for power supply and a ground terminal GN.
In addition to the D terminal, the CLK terminal for external clock input for signal exchange, the I10 terminal for data input/output, and the R5T terminal for reset signal input are also connected, and the memory 3 is connected to VCC for power supply. The GND terminal and the ground terminal are connected, and a VPP terminal for program supply voltage is connected, and the CPU 2 and the memory 3 are connected to each other for information processing. By inserting such an IC card into a terminal device, the central processing unit (
Targeted information processing is performed with the host CPU.

However, an actual IC card has not only a CPU 2 and memory 3, but also RAM (Random Access MeI) in order to store data and provide more versatile functions.
Ilory).

ROM(Read only Mea+'ory),
It is necessary to appropriately select a group of storage devices such as PROM (Programmable ROM) to configure an IC chip, etc. For example, RAM is volatile, so it can be used as a scratch pad, and ROM and FROM are non-volatile, so It can be used to house an operating system or to store programs. Furthermore, PRIM
In the case of EPRO, data can be rewritten using short wavelength ultraviolet or X-ray energy.
M ():rasablePrograma+able
ROM) and electrically operated EEPROM (Elect
Rally Erasable Programa
+able ROM), and these are selected by considering the usage according to the purpose of use.

(Problem to be solved by the invention) As mentioned above, IC cards are mainly used in financial institutions, etc., but since it is generally difficult to predict the product lifespan, the card processing system sets a limit for one withdrawal amount. However, there are no restrictions such as expiration dates.

For this reason, card users must strictly manage the loss of IC cards, and if they are lost, they must go through complicated procedures and request a reissue. In some cases, IC cards can be used on behalf of passbook users, but there is a need for a method of using an IC card that allows the user to more easily understand the details of the information processing necessary for use and also to be able to handle it more easily. For example, stores issue gift certificates with a value of a predetermined amount in consideration of the fact that when customers go shopping, they have to prepare the necessary amount of money in advance. Although there is a growing demand for cards such as gift certificates that have a usage limit set for their expiration date and use cards systematically within the set limit, there are still IC cards that can be used for such purposes.
No method has been developed for using the card.

This invention was made in view of the above circumstances, and the purpose of this invention is to set an expiration date and usage limit so that the user can easily understand the content of information processing necessary for use. To provide an IC card that outputs a warning when the usage amount exceeds a preset usage limit, or a highly useful and safe IC card that cannot be used beyond a predetermined usage limit.

Structure of the Invention: (Means for Solving the Problems) The present invention relates to an IC card, and the above-mentioned object of the present invention is to provide a memory for storing cumulative information of unique information and human information indicating the content of constraints, and a CPU that compares the cumulative information and performs necessary control and calculation; and a CPU that compares the cumulative information and performs necessary control and calculation;
This is achieved by incorporating a built-in alarm generation means for outputting an alarm signal through the PU, and, if necessary, a means for unconditionally stopping the use of the paddy and IC card once the alarm signal has been output. .

(Function) This invention improves the method of using an IC card, sets and stores the expiration date and usage limit as unique information, and
By comparing the input information such as the usage amount with the cumulative information, an alarm generating means is provided which warns that the cumulative information exceeds the unique information. As a result, the card user can use the IC card in a planned manner within the range of the unique information set by the card user, and even if the IC card is lost, the loss can be kept to a minimum. Further, it is also possible to rewrite the unique information when necessary, allowing more efficient use of the IC card. Furthermore, if necessary, if an alarm signal is output due to the excess of accumulated information with respect to unique information, input information from the outside is cut off and use of the card is unconditionally stopped.

(Example) The IC card of the present invention will be described in detail below with reference to Examples.

FIG. 1 is a block diagram showing the basic configuration of an IC card.Inside the main body 10, there is a CPU 20 and a memory 30 for processing and storing information from the outside, as well as a CPU 20 and a memory 30 for reading alarm signals from the outside. The memory 30 contains unique information 30^ such as usage limit N, !# period T, and expiration date, which are restrictions on the use of the IC card, and the CPU 20. Cumulative information 30B of input information (usage amount) processed in is stored.
By exchanging information with CPt12G, unique information 30^
Regarding the cumulative information 30B, the information is rewritten each time it is used. CPt12
Q compares the unique information 30A and the cumulative information 30B, and controls the output of the detection signal AL generated from the alarm generating means 40 by the control signal P (H or L). For example, the cumulative information 30B is the unique information 30A. CP for crucian carp if exceeded.
1.20, the control signal P (“H”) is generated and the alarm signal AL is output, and in other cases, the control signal P (“L”) is generated.
") and stops outputting the alarm signal AL. Therefore, the alarm generating means 40 generates a control signal P(") from the CpH 20 and stops outputting the alarm signal AL.
Outputs an alarm signal ^L only when receiving a signal (H”).

In such a configuration, the operation of using the IC card is controlled by the second
This will be explained with reference to the flowchart shown in the figure.

In the memory 30 of the IC card, unique information 30^ is stored in advance according to the user's card usage plan, and the unique information 30^ includes the usage limit (budget) N.
, a unit period T indicating the number of valid days.

For example, if the expiration date is as shown in Figure 3 (^), N=
100,000 yen, T=30th, D-West JH19! l(
It is set as June 30, 1 year. In Figure 3 (B), the usage limit N = 80,000 yen, the unit period T = 15 days,
In this example, the expiration date D = July 15, 1990.

Such setting of the unique information 30A is performed by the user via the CPt 12G according to the IC card usage plan after the IC card is inserted into the card processing device (not shown). An IC card in which the unique information 30^ that can be used for the amount N and cannot be changed until the expiration date is set and stored is inserted into the card processing device when the card is used (step S1), and subsequently the It is determined whether the IC card has exceeded the expiry date (step S2), and if the expiry date has been exceeded, the user can enter the expiration date, the usage limit N, and the unit. Reset the term T (step S3)
Then, if the inserted IC card is within the expiration date, the card can be used (step S4), and the usage amount n1 is entered manually using the keyboard or the like in step 55. ), the CPU 20 performs addition with the cumulative information 30B in the memory 30 (step S6), and compares the result n of the cumulative calculation with the usage limit N (step S7); if N≧n, further within the unit period T. It is determined whether or not there is an IC card (step S8), and if it is within the unit period T, the use of the IC card is enabled (step S9).
, the result n of the above cumulative calculation is stored in the memory 30 (step 510). Thereafter, the IC card is returned (step 511), and the operation ends.

Here, if Nun is determined in step S7, or if the amount is determined to be outside the unit period T in step S8,
In either case, the abnormality of the IC card is outputted from the CPt 12G (step 520), thereby notifying the operator, user, etc. of this fact. If the user is satisfied that the accumulated usage amount exceeds the limit amount, the user can use the IC card (step 521).

Incidentally, when the alarm signal ^L is output, it is also possible to obtain a usage stop signal Q for the IC card, for example by blocking input information from the outside as shown in Figure 's4. In other words, when the cumulative result n exceeds the usage limit N, C
The alarm signal ^L from the alarm generating means 40 is input to the CPU 20 by the control signal P (“H”) from the PO 20,
The CPU 20 outputs a use stop signal Q to cut off input to the I10 terminal of the IC card body 10, thereby stopping the use of the IC card. Alternatively, the use stop signal Q may be output to the I10 terminal to stop the use on the external device side.

Effects of the Invention: As described above, according to the IC card of the present invention, the unique information of the constraint content is stored, the input information is compared with the accumulated information, and an alarm generating means is provided. A warning is generated by detecting an excess of accumulated information, thereby realizing a highly useful and safe IC card. In particular, if a usage limit (for example, a budget) is specified for unique information, an alarm signal generated when the accumulated information is exceeded will indicate a red alert, and the operation may be stopped at this point, or the unique information By changing the memory according to the user's wishes, it is possible to configure a card processing system that can be used continuously. In any case, the unique information is a restriction that stipulates the usage limit,
Even if you lose your IC card, you can minimize the loss and damage.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing the basic configuration of the IC card of the present invention, FIG. 2 is a flowchart showing an example of the operation of a card processing system in which the IC card of the present invention can be used, and FIG.
Figures (A) and (B) are diagrams specifically showing the components of unique information, Figure 4 is a block diagram of an IC card with a function to stop use, and Figure 5 shows the basic configuration of a conventional IC card. FIG. 1.10・IC card body, 2.20・CPII,
3.30...Memory, 40...Alarm generating means.

Claims (1)

[Scope of Claims] 1. A memory that stores unique information indicating constraint contents and cumulative information of input information, a CPU that compares the unique information and the cumulative information and performs necessary control and calculation, and the cumulative information exceeds the unique information, the CPU
An IC card comprising: a built-in alarm generating means for outputting an alarm signal via an IC card; 2. The IC card according to claim 1, wherein the IC card is configured to unconditionally stop using the IC card when the alarm signal is output.