JPH0657475B2 - card - Google Patents

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card, and in particular, the interest rate of a single card based on the deposit information stored at the end of the transaction processing after the transaction processing is executed by being inserted into a terminal device. The present invention relates to an IC card that can calculate and display an interest amount.

2. Description of the Related Art A conventional IC card has at least a memory for storing data, a CPU for processing data, and a contact for communicating with a terminal device. The IC card has a large storage capacity as compared with the conventional magnetic card, and is highly safe because it is programmed so that it cannot be read easily and there is no fear that the stored information will be decrypted by others. Therefore, the IC card is currently widely used for various purposes. However, when the above-mentioned IC card is inserted into the terminal device and, for example, a transaction process is performed, the IC card reads the contents of the memory according to a command from the terminal device, and outputs the result as it is or according to a program. Again, it just transfers it to the terminal. Therefore, compared to when using a conventional magnetic card, various transaction data are stored for the user, so that there is an effect that the operation becomes easy, but there is no change in the use of the card itself.

Problems to be Solved by the Invention For example, when an IC card is used to process a transaction such as a deposit, it is sometimes desired to know the interest of the deposit amount deposited up to that time. Therefore, the present invention is a novel I that can easily calculate and display the amount of interest and the sum of principal and interest.
It is to provide a C card.

Means for Solving the Problems Therefore, according to the present invention, when a terminal device is inserted into a terminal device, a communication device that communicates with the terminal device and a terminal device from a financial institution based on the customer's personal identification code input from the terminal device are A storage means for storing deposit information composed of information indicating the deposit amount, the deposit date and the interest rate transmitted through the communication means, and when the card holder needs it after it has been withdrawn from the terminal device. A calculation instruction key for instructing the calculation of interest, input means for designating a due date, and in response to an input from the input means, based on the entered due date information and the deposit information stored in the storage means. And a means for displaying the interest amount calculated by the calculating means.

The above-mentioned card may further include a principal and interest key for instructing to calculate and display the total principal and interest.

Operation When the above-mentioned card is inserted into the terminal device and transaction processing is performed, information indicating the deposit amount, deposit date and interest rate of the card holder transmitted from the financial institution to the terminal device is transmitted to the card communication means. Via the storage means. When the cardholder wants to know how much interest he / she has after removing the card, he / she inputs the calculation instruction key by key and inputs the due date from the input means. In response to this, the calculation means calculates the interest based on the input due date information and the above-mentioned information stored in the storage means. The display means displays the calculated interest amount. When the principal and interest key is provided and the principal and interest key is keyed in, in response thereto, the calculation means calculates the total principal and interest, and the display means displays the calculated total principal and interest amount.

Embodiment FIG. 1 shows an IC card 1 according to an embodiment of the present invention. IC
The display unit 2, the operation unit 3, and the connection unit 4 are provided on the surface of the card 1.
Is provided. The display unit 2 is for displaying calculation results and the like, and is composed of, for example, a liquid crystal film. The operation unit 3 includes a power switch 31, a clear key 32, an enter key 33, an interest key 34, an original interest key 35, and a ten-key pad. The power switch 31 is turned on when calculating interest and total interest. As will be described later with reference to FIG. 3, from the ten-key pad, a deposit code set for each deposit and date information for instructing when to calculate interest are input. The clear key 32 is, for example, pressed once to clear the number input from the numeric keypad, and pressed twice, for example, to clear all information stored in the memory described later in FIG. It is a thing. The enter key 33 is pressed each time the deposit code or the date of the due date is input. The interest key 34 is pressed when it is desired to display interest, and the principal and interest key 35 is depressed when the total principal and interest is calculated and displayed. The connection unit 4 includes a contact which, when inserted into a terminal device of a financial institution, makes contact with each contact provided in the terminal device to enable communication with the terminal device.

FIG. 2 is a schematic block diagram showing the electrical configuration of the IC card 1 shown in FIG. The IC card 1 has a calculation processing section 5. The display unit 2, the operation unit 3, and the connection unit 4 capable of communicating with the terminal device 9 are connected to the arithmetic processing unit 5. Further, the arithmetic processing unit 5 is connected to the ROM 6 and the RAM 7. The ROM 6 is a fixed storage unit that can only read the stored information. In addition to the operation program of the IC card 1 itself shown in FIG. 5 described later, the ROM 6 is a terminal device 9 for performing the transaction processing shown in FIG. The operation program and the personal identification code of the card holder are stored. The RAM 7 is a temporary storage unit in which stored information can be erased and rewritten, and the above-mentioned deposit information sent from the financial institution via the terminal device 9 and the connection unit 4 at the time of transaction processing and input from the ten-key pad. Store data. The RAM 7 is constantly supplied with power by the backup battery 8, and after the transaction processing, I
Even if the C card 1 is taken out from the terminal device 9, the stored information is saved without being erased. Each of the above-mentioned electrical configurations is composed of an integrated circuit. In addition,
Although not shown in FIG. 2, the IC card 1 includes a power supply that supplies electricity to each electric configuration. This power source may be shared with the backup battery 8 shown.

FIG. 3 shows a format of data stored in the RAM 7 shown in FIG. Among the stored data, the aforementioned deposit information is read and transmitted from the center file provided in the financial institution based on the cardholder's personal identification code input from the terminal device. The data format consists of deposit code number, term, balance, interest rate and reserve. The deposit code number is a code that is set every time the card holder makes a deposit using a financial institution or a terminal device, and the date and amount of deposit can be specified by the code. The deposit code number has, for example, three digits. The period is a combination of the date of deposit and the date of maturity. The data indicating the period is composed of, for example, 12 digits, and the first to sixth digits indicate the deposit date and the rest indicate the maturity date.
The balance shows the deposit amount individually. The data indicating the balance consists of, for example, 10 digits. If the amount of money is less than 10 digits, the upper digits exceeding that amount are padded with blank characters. The interest rate indicates the interest rate applied to the deposited deposit.
The data indicating the interest rate has, for example, four digits.

FIG. 4 is a flow chart for explaining the operation of the terminal device when the IC card 1 shown in FIG. 1 is inserted and transaction processing is performed. Next, the operation of the terminal device will be described in detail with reference to FIGS.

When the customer inserts the IC card 1 into the terminal device 9 (step S1), each contact point of the connection portion 4 of the IC card 1 comes into contact with a contact provided on the terminal device 9, and the IC card 1 is supplied with power. It The terminal device 9 is the ROM 6 of the IC card 1.
The program and the secret code stored in are read (step S2). Then, the customer inputs the personal identification code from the keyboard (not shown) of the terminal device 9. The terminal device 9 determines whether or not the input personal identification code matches the personal identification code read from the ROM 6 of the IC card 1 (step S3). If the personal identification codes do not match, the terminal device 9 processes the transaction unsuccessful (step S6), but if they match, it performs the transaction requested by the customer, such as depositing (step S4). This transaction processing is performed based on the program read from the ROM 6 of the IC card 1. When the transaction processing is completed, the terminal device 9 sends the above-mentioned deposit information including the period, amount and applicable interest rate for each deposit code number transmitted from the financial institution to the IC card 1 (step S5). The stored deposit information is stored in the RAM 7. When the sending of the deposit information is completed, the terminal device 9 returns the IC card (step S7). Even if the IC card 1 is returned from the terminal device 9, the RA
The deposit information stored in M7 is saved because the backup battery 8 supplies power. In addition, the deposit information is updated each time the card is used.

FIG. 5 is a flow chart for explaining the operation of the IC card 1 according to the embodiment of the present invention. Next, the step of calculating interest based on FIG. 5 will be described in detail.

When a cardholder wants to calculate interest, the IC
When the power switch 31 of the card 1 is turned on (step S8), the IC card 1 waits for key input (step S9). The cardholder inputs the deposit code number, for example, "001" from the ten keys, and then presses the enter key 33. Then, the entered deposit code number is RAM7
(Step S10). Next, the cardholder can use the numeric keypad to display, for example, the current date, for example, "59".
"0918" is input, and then the enter key 33 is pressed. Then, the input due date information is stored in the RAM 7 (step S11). The arithmetic processing unit 5 reads each information of the period specified by the deposit code number, the amount (balance) and the interest rate from the RAM 7, calculates the deposit period based on the input date information, and then calculates the interest on the deposit amount. Yes (step S12). The calculated interest amount is stored in the RAM 7 together with the deposit code number (step S1).
3). Card holder has interest key 34 or principal key 35
Is selected and key input is performed (step S14). When the interest key 34 is selected, the interest amount is displayed on the display unit 2 (step S17). When the principal interest key 35 is selected, the arithmetic processing unit 5 calculates the sum of the principal and interest and stores it in the RAM 7. (Step S15). Then, the total amount of principal and interest is displayed on the display unit 2 (step S16). When the clear key 32 is pressed (step S18), the data displayed on the display unit 2 is erased, and the data stored in the RAM 7 excluding the deposit information and the due date information are erased. Then, the process returns to step S9 again to wait for key input. Then, when the interest of the deposit amount corresponding to the next deposit code number is desired to be calculated, the same operation as described above is performed, but when the calculation is finished, the power switch 31 is turned off.

According to the present invention, the user of the IC card performs the transaction processing using the terminal device of the financial institution, and then at any time he / she wants to know, he / she can easily operate the interest or the sum of the principal and interest of each deposit held by him / her. Can be found at. The latest data is stored each time the card is used, so the latest information can always be obtained.

[Brief description of drawings]

FIG. 1 is a diagram showing an IC card according to an embodiment of the present invention. FIG. 2 is a schematic block diagram of an IC card according to an embodiment of the present invention. FIG. 3 is a diagram showing a format of data stored in the memory of the IC card. FIG. 4 is a flow chart for explaining the operation of the terminal device using the IC card according to the embodiment of the present invention. FIG. 5 is a flow chart for explaining the operation of the IC card of the embodiment of the present invention. In the figure, 1 is an IC card, 2 is a display unit, 3 is an operation unit, 4 is a connection unit, 5 is an arithmetic processing unit, 6 is a ROM, and 7 is an R.
AM, 8 is a backup battery, 9 is a terminal device, 34 is an interest key, and 35 is an original interest key.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁵ Identification code Internal reference number FI Technical display location G07F 7/08

Claims (2)

[Claims] 1. A detachable connection to a terminal device capable of communicating with a financial institution having a center file storing deposit information including at least the deposit amount, deposit date and interest rate for each customer. A card capable of calculating interest based on the deposit information, the communication means communicating with the terminal device when inserted into the terminal device, and the customer's personal identification code input from the terminal device. Storage means for storing the deposit information transmitted from the financial institution through the terminal device and the communication means based on the above, and when the card holder needs it after withdrawal from the terminal device. Calculation instruction keys for instructing calculation of interest, input means for designating a due date, and inputting the due date information and the above-mentioned record in response to the input from the input means. Card with a calculating means for calculating the interest on the basis of the deposit information stored in the means, and means for displaying the interest amount calculated by said calculation means. 2. A principal and interest key for instructing to calculate and display a sum of principal and interest, wherein the calculating means calculates the sum of principal and interest in response to a key input of the principal and interest key. The card according to claim 1, which displays the calculated sum of principal and interest.