JPH0362263A - Portable electronic device - Google Patents

Abstract

PURPOSE:To simplify a transaction processing by producing the transaction acknowledgement information only when the transaction amount is larger than the floor limit value and outputting the acknowledgement information with display. CONSTITUTION:The transaction acknowledgement numbers are produced for only the purchase transaction amounts larger than the floor limit value after confirmation of the card owners, the purchase transaction enable dates, and the purchase transaction enable amounts respectively. When a purchase transaction is concluded, the purchase transaction contents are recorded in an area 15 of a data memory 22 as conventional. In such a way, no transaction acknowledgement number is produced if the purchase transaction amount is smaller than the floor limit value. As a result, a transaction processing is simplified and can be concluded in a short time.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial Application Field) The present invention relates to a portable electronic device called an IC card, which is used, for example, as a credit card in a shopping system.

(Prior Art) In recent years, an IC card has been developed as a new portable data storage medium, which has a built-in IC chip that has an erasable nonvolatile memory and a control element such as a CPU that controls the nonvolatile memory. This type of IC card is designed to selectively input and output necessary data in response to external requests by accessing the built-in memory using a built-in control element.

Furthermore, recently, battery-powered IC cards have been developed that have a built-in battery, a keyboard, and a display section, and can operate off-line without being connected to a terminal device.

Now, such an IC card is used, for example, as a credit card in a shopping system.

In that case, at the time of a shopping transaction, the card holder is first verified using the PIN number (PIN information), then the date and amount of available shopping transactions stored in the card are checked, and then for each shopping transaction, By encrypting card-specific information, shopping transaction date, shopping transaction amount, etc. as key information, a transaction approval number (transaction approval information) is generated to confirm the validity of the transaction, and it is displayed and output. It has become.

(Problem to be solved by the invention) However, in such a transaction processing method, since the above-mentioned series of operations are performed every time a shopping transaction is made, the transaction processing time becomes long and it is difficult to complete the transaction processing in a short time. The problem was that I couldn't do it.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to provide a portable electronic device that can simplify transaction processing and complete transaction processing in a short time when the transaction amount is less than a predetermined value. shall be.

[Structure of the Invention] (Means for Solving the Problem) A portable electronic device according to the first invention stores in advance a floor limit value indicating the minimum transaction amount for which transaction approval information needs to be generated. a storage means, an input means for inputting at least a transaction amount, a transaction means for processing a transaction based on the transaction amount input by the input means, and a transaction amount input by the input means each time a transaction is made by the transaction means. and a floor limit value stored in the storage means, and a transaction approval information generating means that generates transaction approval information only when the transaction amount is greater than the floor limit value as a result of the comparison by the comparison means. and,
and transaction approval information output means for outputting the transaction approval information generated by the transaction approval information generation means.

A portable electronic device according to a second invention includes a storage means that stores in advance a floor limit value indicating a minimum transaction amount that requires generation of unique PIN information and transaction approval information; an input means for inputting an amount; a transaction means for processing a transaction based on the transaction amount input by the input means; and a transaction amount input by the input means and stored in the storage means each time a transaction is made by the transaction means. and a comparison means for comparing the transaction amount with the floor limit value that has been set, and when the transaction amount is larger than the floor limit value as a result of the comparison by the comparison means, the PIN information input by the input means and the PIN information stored in the storage means are compared. A verification means for verifying the password information; a transaction authorization information generation means for generating transaction authorization information only when there is a predetermined relationship between the two password information as a result of the verification by the verification means; and the transaction authorization information generation means. a transaction approval information output means for outputting the transaction approval information generated by the comparison means, and when the transaction amount is smaller than the floor limit value as a result of comparison by the comparison means, the verification means performs verification processing of the PIN information and the transaction approval information; and control means for controlling the generation means not to generate transaction approval information.

(Operation) The portable electronic device according to the first invention stores a floor limit value internally, compares the floor limit value with the transaction amount, and generates transaction approval information based on the comparison result. If the transaction amount is less than the floor limit value, the transaction approval information is generated only when the transaction amount is greater than or equal to the floor limit value. Since it does not generate
Accordingly, transaction processing can be simplified and transaction processing can be completed in a short time.

The portable electronic device according to the second invention stores a floor limit value internally, compares the floor limit value with the transaction amount, and when the transaction amount is less than the floor limit value, the portable electronic device stores the holder's PIN information. By controlling the generation of confirmation and transaction approval information, if the transaction amount is less than the floor limit value, the holder's PIN information will not be confirmed and the transaction approval information will not be generated, so the transaction will be processed accordingly. Processing can be simplified and transaction processing can be completed in a short time.

(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. That is, 1 is 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 an external device (for example, a terminal device) not shown during online use. A contact section 3, a liquid crystal display section (output means) 4 for displaying input/output data, date and time data, and a keyboard (input means) 5 for inputting information are provided. The keyboard 5 is provided with an account keypad and other function keys. Also, inside the card body 1, there is a crystal oscillator 6 and a battery 7 for power supply.
is buried.

FIG. 4 shows the circuit configuration of the above-mentioned IC card. That is, a control element (control unit) 21 such as a CPU is in charge of overall control, and the contact unit 3, liquid crystal display unit 4, and keyboard 5 are connected to this control element 21, and it also transmits data. A data memory (storage means) 22 for storing data, a program memory 23 for storing processing programs for the control element 21, etc., and a clock circuit 2
4, etc. are connected, and among these, the control element 21,
The data memory 22, the program memory 23, and the clock circuit 24 are formed of one chip (or a plurality of chips) as an integrated circuit 2, and this integrated circuit 2 includes a battery 7
Operating power is supplied by the

The data memory 22 is composed of an erasable non-volatile memory such as an EEFROM, and as shown in FIG. memorized area 12,
It consists of an area 13 where the date when a shopping transaction is allowed is stored, an area 14 where a floor limit value indicating the minimum shopping transaction amount that requires generation of a transaction approval number is stored, an area 15 where a shopping transaction record is stored, etc. ing.

The program memory 23 is composed of a non-erasable nonvolatile memory such as a mask ROM, and stores therein a program for transaction processing, a program for encryption processing, and the like.

The clock circuit 24 generates date and time information by counting the reference clock output from the crystal oscillator 6.

Next, processing operations for shopping transactions in such a configuration will be described with reference to the flowchart shown in FIG. First, the cardholder inputs his or her own personal identification number from the keyboard 5, and the control element 21 checks the entered personal identification number against the personal identification number stored in a specific area of the data memory 22, for example. determine whether it is valid or not.

If the result of this judgment is that the transaction is not valid, the control element 21 ends the transaction processing here.

As a result of the above judgment, if the PIN number is valid, then by inputting the shopping transaction amount from the keyboard 5, the control element 21 confirms the shopping transaction amount and shopping transaction possible date. The transaction process ends here.

As a result of the above judgment, if the allowable shopping transaction amount and the available shopping transaction date are valid, the control element 21 compares the input shopping transaction amount with the floor limit value in the area 14 of the data memory 22.

As a result of this comparison, if the shopping transaction amount is equal to or greater than the floor limit value, the control element 21 transmits card-specific information (for example, date or time information output from the clock circuit 24), shopping transaction date, shopping transaction amount, etc. By encrypting the key information, a transaction approval number (transaction approval information) for confirming the validity of the transaction is generated and displayed on the display unit 4. Then, the control element 21 is
The details of the transaction at this time are written in the area 15 of the data memory 22, and the shopping transaction processing operation is completed.

As a result of the above comparison, if the shopping transaction amount is less than the floor limit value, the control element 21 skips the transaction approval number generation process and display output process, and jumps to the transaction content recording process.

In this way, after confirming the card holder, confirming the date on which shopping transactions can be made, and confirming the available shopping transaction amount, a transaction approval number is generated only for shopping transactions that are above the floor limit value, and for shopping transactions that are less than the floor limit value. does not generate transaction authorization numbers.

After the shopping transaction is completed, the details of the shopping transaction are recorded in the area 15 of the data memory 22 in the same manner as before. As a result, a transaction approval number is not generated when the purchase transaction amount is less than the floor limit value, which simplifies the transaction process and allows the transaction process to be completed in a short time.

Next, another embodiment of the present invention will be described with reference to the flowchart shown in FIG. First, the control element 21 determines whether or not the password confirmation is necessary by checking the password confirmation required/unnecessary information in the area 11 of the memory section 22.

Next, by inputting the shopping transaction amount from the keyboard 5, the control element 21 compares the input shopping transaction amount with the floor limit value in the area 14 of the data memory 22.

Then, as a result of the above judgment, if it is necessary to confirm the PIN number, and as a result of the above comparison, the shopping transaction amount is equal to or greater than the floor limit value, by inputting the PIN number from the keyboard 5, the control element 21 transmits the data. It is checked whether the entered password is valid by comparing it with the password in the memory 22.

If the result of this judgment is that the transaction is not valid, the control element 21 ends the transaction processing here. As a result of the above judgment, if the PIN number is valid, the control element 21 checks the allowable shopping transaction amount and the allowable shopping transaction date, and if it is not valid, the transaction processing ends here.

Note that if the result of checking the PIN confirmation required/unnecessary information is that the PIN confirmation is not necessary, or if the comparison results in that the shopping transaction amount is less than the floor limit value, the control element 21: The process for confirming the password is omitted and jumps to the process for confirming the amount of money available for shopping transactions and the date available for shopping transactions.

Now, as a result of checking the above-mentioned shopping transaction possible amount and shopping transaction possible date, if they are valid, the control element 21 determines whether the input shopping transaction amount is equal to or larger than the floor limit value. As a result of this judgment, if the shopping transaction amount is equal to or greater than the floor limit value, the control element 21 generates a transaction approval number in the same manner as described above and displays it on the display unit 4. and,
The control element 2J stores the transaction details at this time in the data memory 2.
2 in area 15, and the shopping transaction processing operation is completed.

As a result of the above judgment, if the shopping transaction amount is less than the floor limit value, the control element 21 skips the transaction approval number generation process and display output process, and jumps to the transaction content recording process.

In this way, when the shopping transaction amount is compared with the floor limit value and the shopping transaction amount is smaller, the system only checks the available shopping transaction amount and the available shopping transaction date without confirming the PIN. , no transaction approval number is generated. This further simplifies transaction processing, and furthermore, depending on the authority of the card issuer, it is possible to make it unnecessary to confirm the PIN number, regardless of the size of the shopping transaction amount.

In the above embodiment, a case has been described in which the floor limit value is stored in the data memory, but for example, a dedicated storage means may be provided and the floor limit value may be stored therein.

[Effects of the Invention] As detailed above, according to the present invention, when the transaction amount is less than a predetermined value, the transaction processing can be simplified and the transaction processing can be completed in a short time. A portable electronic device can be provided.

[Brief explanation of drawings]

1 to 4 are for explaining one embodiment of the present invention, in which FIG. 1 is a flowchart explaining the processing operation of a shopping transaction, FIG. 2 is a diagram explaining the data memory, and FIG.
4 is a block diagram showing the circuit configuration of the IC card, and FIG. 5 is a flowchart illustrating the processing operation of a shopping transaction in another embodiment of the present invention. 2...Integrated circuit, 3...Contact section, 4...Liquid crystal display section (output means), 5...
... Keyboard (input means), 21 ... Control element (control unit), 22 ... Data memory (storage means), 23 ... Program memory, 24 ...
...Clock circuit.

Claims (2)

[Claims] (1) A storage means that stores in advance a floor limit value indicating the minimum transaction amount that requires the generation of transaction approval information, an input means for inputting at least the transaction amount, and the transaction amount input with this input means a trading means that performs transaction processing based on the transaction means; a comparison means that compares the transaction amount input by the input means with a floor limit value stored in the storage means each time a transaction is made by the transaction means; and the comparison means A transaction approval information generation means that generates transaction approval information only when the transaction amount is larger than the floor limit value as a result of comparison, and a transaction approval information output means that outputs the transaction approval information generated by the transaction approval information generation means. A portable electronic device characterized by comprising: (2) a storage means that stores in advance a floor limit value indicating the minimum transaction amount that requires the generation of unique PIN information and transaction approval information; and an input means for inputting at least the PIN information and the transaction amount; A transaction means that performs transaction processing based on the transaction amount input by the input means, and each time a transaction is made by this transaction means, the transaction amount input by the input means is compared with a floor limit value stored in the storage means. a comparison means for comparing the password information inputted by the input means and the password information stored in the storage means when the transaction amount is larger than the floor limit value as a result of the comparison by the comparison means; , a transaction approval information generation means that generates transaction approval information only when there is a predetermined relationship between both pieces of PIN information as a result of the comparison by the comparison means; and a transaction approval information generation means that outputs the transaction approval information generated by the transaction approval information generation means. as a result of the comparison between the transaction approval information output means and the comparison means, when the transaction amount is smaller than the floor limit value, the verification means performs verification processing of the password information, and the transaction approval information generation means performs transaction authorization information generation processing. 1. A portable electronic device characterized by comprising: control means for controlling the device so as not to perform the above operations.