JPH04369097A - Cash paying system - Google Patents

Abstract

PURPOSE:To prevent an IC card from illegal use such as ID number reading by issuing a simple magnetic card by an IC card capable of individually stoking the information of plural magnetic cards and accepting cash payment by the simple magnetic card. CONSTITUTION:This cash paying system is provided with an IC card 4 capable of storing personal ID information and plural magnetic data information stored in plural magnetic cards 2 issued from respective banking agents to be used, a simple magnetic card 5 capable of writing the information of the cards 2 in respective prescribed positions and a magnetic card issuing device 6 for writing the original personal ID information and magnetic data information in the prescribed positions of the card 5. In the case of drawing cash, the card 5 is issued by the card 4 to accept cash payment. Thereby all magnetic cards based upon ISO standard can be replaced by one IC card 4 at the time of carrying. Since the IC card 4 can store complex personal ID information, the security of the card can be improved.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash payment system using an IC card.

0002

2. Description of the Related Art FIG. 4 is a perspective view showing a conventional cash payment system. In the figure, 1 is CD (Cash Di
2 is a magnetic card inserted into this CD machine 1.

FIG. 5 is a block diagram of a magnetic card 2 defined by ISO, and this magnetic card 2 is used as a financial transaction card. In the figure, 3 is a magnetic stripe provided inside the magnetic cart 2, and its contents and position are determined by the ISO standard.
Standardized internationally.

Next, the operation will be explained. Figure 6 is a CD
1 is a flowchart schematically illustrating a conventional cash payment system by machine; In step A1, the magnetic card 2 is inserted into the CD machine 1. In step A2, when the user inputs a password into the CD machine 1, the CD machine 1, which has read the data on the magnetic stripe 3 in the magnetic card 2, compares the password. If the PIN numbers do not match and the result is NG (No Good), it is checked in step A3 whether this is the nth PIN input error. If the input error in the password is the nth time (n is an arbitrary constant), the magnetic card 2 is ejected from the CD machine 1 in step A4, and the cash payment system ends. On the other hand, if the PIN numbers match in step A2, O
In the case of K, in step A5, the CD machine 1 determines whether the magnetic card 2 is a card of a handling bank using the data in the magnetic stripe 3. If the card is not accepted,
At step S4 again, the magnetic card 2 is ejected from the CD machine 1, and the cash payment system ends. On the other hand, if you use a card from a handling bank, proceed to step A6 to withdraw money.
After all the withdrawal operations are completed, the magnetic card 2 is ejected from the CD machine 1, and the cash payment system ends its operation.

[0005]

[Problem to be Solved by the Invention] Since the conventional cash payment system is configured as described above, magnetic cards that are not accepted cannot be used, and therefore, when it is necessary to use them in multiple systems, it is necessary to use each system separately. There is a problem in that multiple magnetic cards that match the magnetic stripe are required and must be carried around.Furthermore, because magnetic cards are used, the data on the magnetic stripe can be easily read or tampered with. There were major problems such as the possibility of unauthorized use.

[0006] This invention was made to solve these problems, and by using an IC card instead of a magnetic card when carrying the device, it is possible to prevent unauthorized use such as reading the password. The purpose of this invention is to obtain a cash payment system that allows cash payments to be made by using the existing system (automatic teller machine) as is in an actual terminal.

[0007]

[Means for Solving the Problems] A cash payment system according to the present invention includes an IC card that can store personal identification information and a plurality of magnetic data information stored in a plurality of magnetic cards issued by each financial institution used; A simple magnetic card that can write information on the magnetic card at predetermined positions, and a simple magnetic card issuing device that writes personal identification information and magnetic data information in the predetermined positions of the simple magnetic card using the IC card. It was established.

[0008]

[Operation] The cash payment system of the present invention stores all the data of a plurality of magnetic cards in the memory of the IC card, and when withdrawing cash at each financial institution, the IC card that is being carried is used. A simple magnetic card equivalent to the previous magnetic card will be issued, and cash payments will be accepted using this card.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a perspective view showing an embodiment of a cash payment system according to the present invention. In A of Figure 1, 4 is an IC card, 5 is a simple magnetic card of the same standard as the conventional one, and 6 is an IC card.
This is a magnetic card issuing device that issues a simple magnetic card 5 using a card 4, and is, for example, like an automatic ticket vending machine installed at a station.

FIG. 2 shows an IC card 4 used in this invention.
FIG. In the figure, 7 is a CPU that performs data processing, and 8 is a ROM that stores user programs.
, 9 is a RAM for temporarily storing data, and 10 is an E as a programmable non-volatile memory for storing data.
EPROM, 11 is an input/output control circuit that controls data input/output with the outside, 12 is a bus that interconnects these functional elements 7 to 11, and 13 is an I/O terminal that performs data input/output with the outside. This is a terminal for inputting power supply VCC, GND, reset, and clock from the outside.

Next, the operation of this embodiment will be explained with reference to the flowchart of FIG. IC card used here 4
All data on the magnetic stripe 3 of the magnetic card 2 is stored in the EEPROM 10 of the magnetic card 2. In step B1, the user goes to each financial institution and first inserts the IC card 4 into the magnetic card issuing device 6. In step B2, the identity of the person is confirmed by inputting and verifying the personal identification number. This may be any means for identifying the individual, such as a fingerprint or retinal pattern, which makes use of the memory capacity of the IC card 4. If the PIN cannot be verified in step B2, check if the PIN has been entered incorrectly for the nth time in step B3, and if NO, return to step B2 and Y.
In the case of ES, the IC card 4 is ejected in step B4. When the verification of the personal identification number is obtained in step B2, a simple magnetic card 5 is issued in step B5. Next, in step B6, the issued simple magnetic card 5 is inserted into the CD machine 1 as shown in B of FIG. The following operations are the same as in the conventional example. That is, the input verification of the PIN number is performed in step B7, and if verification is not obtained, it is determined in step B8 whether the input error is the nth time, and if verification is obtained, it is handled in step B9. It is determined whether the card is a card or not, and if everything is OK, the actual withdrawal operation is performed in step B10.Finally, in step B11, this simple magnetic card 5 is collected by the CD machine 1 or this simple magnetic card 5 invalidate and eject the data, and terminate all operations.

[0012] In the above embodiment, a cash payment system has been described, but this may also be a cash deposit system.

[0013] Furthermore, by using a magnetic card issuing device and an IC card, the present invention can be applied to all systems using currently used ISO standard magnetic cards, and the same effects as in the above embodiment can be obtained. be able to.

[0014]

As described above, the present invention provides an IC that can store personal identification information and information of a plurality of magnetic cards stored in a plurality of magnetic cards issued by each financial institution used.
Issuance of a simple magnetic card in which personal identification information and magnetic data information are written in the predetermined positions of the simple magnetic card as before using a card, a simple magnetic card on which the information of the earlier magnetic card can be written in a predetermined position, and an earlier IC card. When cash is withdrawn, a simple magnetic card is issued using an IC card to receive cash payment, allowing all ISO standard magnetic cards to be replaced with a single IC card when carried. Also I
Since the C card has a large memory capacity, unlike a magnetic stripe, it can store complex personal identification information and has the effect of improving security.

[Brief explanation of the drawing]

FIG. 1 is a perspective view showing an embodiment of a cash payment system according to the present invention.

FIG. 2 is a functional block diagram of an IC card used in the present invention.

FIG. 3 is a flowchart illustrating the operation of a cash payment system according to an embodiment of the present invention.

FIG. 4 is a perspective view showing a conventional cash payment system.

FIG. 5 is a configuration diagram of a conventional card according to the ISO standard currently in use.

FIG. 6 is a flowchart illustrating the operation of a conventional cash payment system.

[Explanation of symbols]

1 CD machine 2. Magnetic card 4 IC card 5 Simple magnetic card 6 Magnetic card issuing device

Claims (1)

[Claims] Claim 1: An IC card capable of storing personal identification information and a plurality of pieces of magnetic data information stored in a plurality of magnetic cards issued by each financial institution used; a magnetic card; and a magnetic card issuing device that uses the IC card to write personal identification information and magnetic data information back to predetermined positions on the simple magnetic card; C magnetic card
A cash payment system characterized by receiving automatic payment of cash by inserting it into a D machine.