JPH0755589B2 - Portable media - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION Object of the Invention (Field of Industrial Application) The present invention relates to a portable medium used for transaction processing.

(Prior Art) An IC card in which an integrated circuit chip such as a microprocessor or memory is embedded in a thin credit card plastic card is convenient for carrying and can store various information. Since it is relatively large, it is being used for various purposes, one of which is an electronic money card.

An electronic money card can purchase an article using this card and can also make an approval with the card. There is a case where, after making a transaction to purchase a certain item using such an IC card, the purchase of the item may be canceled for some reason. However, it is not possible to cancel the transaction after performing the transaction once like this.
IC cards have not been used in the past because they are relatively complicated.

(Problems to be Solved by the Invention) As described above, when a transaction is once performed with an IC card and then the transaction is canceled, there is a problem of refunding the cancellation amount, etc., and the processing is relatively complicated. Although this has not been implemented conventionally, there is a problem that there is no IC card that can easily perform such a cancellation process, although such a cancellation process is required as the use of the IC card progresses.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a portable medium capable of easily canceling a transaction after performing transaction processing with a simple configuration.

[Structure of Invention]

(Means for Solving Problems) In order to achieve the above object, a transaction number of the transaction is generated based on a terminal device for inputting transaction information and transaction information transmitted via this terminal device, together with the transaction information. In a transaction system comprising a center computer for storing and a portable medium for storing a transaction possible amount of a user, transaction information and a transaction number in the memory, the terminal device transmits transaction information to the center computer at the time of normal transaction for transaction. First to receive the amount and transaction number from the center computer
Input means for inputting transaction number, transaction amount, transaction amount and transaction information and transaction completion information received from the center computer to the portable medium, and transaction number for canceling and canceling the transaction. Means and second receiving means for canceling a transaction and, when a transaction number for canceling the transaction is input, transmitting the transaction number instructed to be canceled to the center computer and receiving transaction information related to the transaction number from the center computer. , Judging means for judging whether or not the transaction of the transaction number for which cancellation is instructed by the input means can be canceled based on the transaction information received by the second receiving means, and the judging means for canceling the transaction. Second transaction means for transmitting the transaction number to be canceled and the transaction cancellation instruction to the portable medium; The medium stores the transaction number, the transaction amount, the transaction information, and the transaction completion information transmitted by the first transmission unit in the memory, and reduces the received transaction amount from the pre-stored transactable amount, The transaction amount of the transaction number for which cancellation is instructed is added to the tradable amount based on the transaction number and the transaction cancellation instruction transmitted by the second transmission means, and the transaction completion information of the transaction for which cancellation is instructed is indicated as invalid. It is a gist that it is provided with a means for making invalid information.

(Operation) In the portable medium of the present invention, the transaction information is stored, and when the already executed transaction is canceled, the canceled transaction information is stored, and the stored cancellation is performed. Transactions are organized based on the transaction information and the stored transaction information.

Example of Invention

 Embodiments of the present invention will be described below with reference to the drawings.

FIG. 2 is a block diagram of an IC card constituting a portable medium according to an embodiment of the present invention. The IC card 21 shown in the figure has a CPU 23 and a memory 25, which are integrated circuit chips, embedded in a thin plastic card, such as a credit card, and has eight contacts 27a-27h for connection with an external device. It is exposed on the surface and effectively enables ordinary transactions and cancellation of transactions as a so-called electronic money card.

The IC card 21 is connected to a terminal device (Fig. 5) which is a card reader / writer via the contacts 27a-27h for external connection, and further connected to a center computer via the terminal device to exchange transaction information. I am supposed to do it.

Of the contacts 27a-27h for external connection, the contact 27a is a contact to which the power supply voltage for operation is supplied from the connected terminal device, and the power supply voltage to the power supply voltage terminal Vcc of the CPU 23 and the memory 25 via this contact. Is being supplied. Contact 27b is CPU23
Is a contact for receiving a reset signal for the terminal device from the terminal device and supplies the reset signal to the reset terminal RST of the CPU 23 to reset the CPU 23. Contact 27c is CPU23
Is a contact that receives a clock signal to be operated from the terminal device, and the received clock signal is the clock terminal C of the CPU23.
Supplied to LK. The frequency-divided signal of this clock signal is used to determine the data transmission speed with the terminal device. The contact 27e is a contact that forms a common ground for input / output signals between the IC card 21 and the terminal device, and is connected to the ground terminal GND of the CPU 23 and the memory 25. The contact point 27g is a contact point for transmitting an acquisition power signal between the IC card 21 and the terminal device, and is connected to the input / output terminal I / O of the CPU 23.

The CPU 23 includes an ALU unit, a program memory unit, a working RAM,
Equipped with a timer, serial input / output unit, interrupt unit, etc.,
A program stored in the program memory unit executes transaction processing including normal transaction and transaction cancellation.

The memory 25 is connected to the CPU 23 via an address bus and a data bus BUS, is composed of, for example, an EEROM, and stores all transaction information relating to normal transactions, transaction cancellation, and the like.

FIG. 3 is a memory map showing the memory configuration of the memory 25. The memory 25 has six memory areas. That is, the personal identification number area 29 stores the personal identification number which is a passcode with the terminal device which is the card reader / writer, and the transaction is permitted after the personal identification number is transmitted from the terminal device and coincides with the personal identification number. Is. The card number / name storage area 31 stores the card number of the card user, that is, the account number and the name. These pieces of information are registered in the center computer and used for searching.
The communication secret code storage area 33 stores a secret code when communicating with the center computer, and this secret code is stored on the side of the center computer in correspondence with the card number so that it can be rewritten for each communication. There is. The credit term storage area 35 is a storage area for storing the expiration date of the credit given to the card. The credit amount storage area 37 is a storage area for storing the credit amount given to the card. The transaction information storage area 39 is a storage area for storing information on transactions.

FIG. 4 is a diagram showing a transaction data format 41 stored in the transaction information storage area 39. This transaction data format 41 has a data length 43, transaction number 45, transaction code 47,
Payment method 48, product code 49, number of purchases 51, unit price amount 53,
The purchase price 55, the purchase date 57, the terminal number 59, and other specific information 61 for each product are stored as other information.

Further, as the transaction code 47, there are reservation transaction (code = 10), transaction completion (code = 20), transaction cancellation (code = 30), etc., as shown in the figure. The payment method 48 also has a lump sum payment method (code = 80) and an installment payment method (code = 4 *), where * indicates the number of installment months, but in the case of 3 months, * = 3 and 6 months * = 6 and 9 months have * = 9, 12 months have * = 12, and 24 months have * = 24).

Fig. 5 shows an IC in which the IC card 21 is inserted and electrically connected.
FIG. 7 is an external configuration diagram of a terminal device 63 having a card reading / writing device built therein. The IC card 21 is connected to the communication line via the terminal device 63, and further connected to the center computer through the exchange from the communication line so that transaction information is exchanged with the center computer. ing.

The terminal device 63 shown in FIG. 5 has an IC card insertion port 65 into which the IC card 21 is inserted and which is electrically connected via the connection contacts 27a-27h on the IC card 21. Information can be written to and read from the IC card 21 inserted through the insertion port 65. A liquid crystal display section 67 for displaying various transaction information is provided below the IC card insertion slot 65, and a key switch for inputting various information is provided below the liquid crystal display section 67. . As these key switches, ten-key switches 69 from "0" to "9" for inputting dial information and other various information, a correction key switch 75 for correcting input information, confirmation for confirming information, etc. Key switch 77,
Monitor switch key switch 79, inquiry key switch 8
1, a cancel key switch 83, a display up movement key switch 85 (↑) and a display down movement key switch 87 (↓) for controlling the movement of the position of the display information displayed on the liquid crystal display unit 67 up or down, An exchange key switch 89 etc. is provided.

Further, the terminal device 63 is provided with a transmitter / receiver 71 similar to a normal telephone for communication on the left side of the liquid crystal display 67 and various key switches, and a spider 73 for monitoring is arranged below the transmitter / receiver 71. It is set up. Further, a reject button 91 for removing the IC card 21 inserted in the IC card insertion opening 65 is provided on the left side of the IC card insertion opening 65.

The terminal device 63 interfaces with all the components shown in the external view of FIG. 5 and has an interface / control circuit for controlling them, receiving input information from them, and supplying information to them. In addition to being built-in, it also has a voice circuit, a modem circuit, an NCU (network control circuit), and these control circuits for exchanging information with the center computer and for making calls.

Next, referring to the connection and the exchange of information between the center computers through the IC card 21, the terminal device 63 and the exchange shown in FIG. 6, the operation is performed according to the flowchart shown in FIGS. 7 (a)-(h). Will be explained.

First, shopping will be described as an example in which the IC card 21 for a normal transaction is inserted into the terminal device 63 and a certain item displayed on the liquid crystal display 67 of the terminal device is purchased.

First, when the power of the terminal device 63 is turned on before the IC card 21 is inserted into the terminal device 63, the terminal device 63 is initialized, and the test program operates to confirm the operation of the terminal device 63 (step 100,110,120). The result of this test
If the terminal device 63 has more than one, the liquid crystal display unit 67 displays a message indicating the above and stops the operation (step 130,
140,150).

As a result of the test, when it is confirmed that the terminal device 63 is normal, the liquid crystal display unit 67 displays an IC card input waiting state, and enters the IC card insertion standby state (steps 130, 160,
170).

When the IC card 21 is inserted into the IC card insertion slot 65 of the terminal device 63, the LE for IC card detection installed at the back of this insertion slot 65
Since the IC card 21 blocks the area between D and the phototransistor, the IC card 21 is detected by this cutoff signal, and the IC card 21 is locked so as not to be rejected. The contacts provided inside are electrically connected to the connection contacts 27a-27h provided on the surface of the IC card 21. When both are electrically connected, the operation power supply voltage of the IC card 21 is supplied to the IC card 21 from the control unit of the terminal device 63 via the connection contact 27a. At this time, the contact point of IC card 21
The reset signal is still supplied to the terminal 27b from the terminal device 63, and the IC card 21 is in the reset state and cannot operate. IC card
After confirming that no abnormal current flows in the IC card 21 after the voltage is supplied to the IC 21, the clock signal CLK is supplied from the terminal device 63 to the IC card 21 via the contact 27c. The frequency of this clock signal is 4.9152 MHz. After the clock signal has been supplied for a certain time, the terminal device 63
The reset signal RST supplied to the IC card 21 via b is released so that the IC card 21 can operate normally.

When the reset signal for the IC card 21 is released, the terminal device 63 waits until the answer signal of ANSWER TO RESET is output from the IC card 21 via the contact point 27g (steps 180, 190). This signal is sent to the IC card 21 within 10msec after the reset signal to the IC card 21 is released.
Is output from. If this signal is not output from the IC card 21 within the predetermined time, it is considered that the IC card 21 is defective, so the IC card 21 is discharged (step 200) and the process returns to step 160.

When this signal is output from the IC card 21 and the terminal device 63 receives the signal, the mode of the device is set according to the received content (step 210). Then, the terminal device 63 displays on the liquid crystal display section 67 of the IC card 21 that the personal identification number can be input (step 220).

The operator inputs the PIN information by using the ten-key switch 69 of the terminal device 63 according to this display. When the input information is not canceled, the confirmation key switch 77 is pressed due to the end of the input information (step 230-250)
The PIN information is sent from the terminal device 63 to the IC card 21, and this PIN information is collated inside the IC card 21, and if the collation result indicates that the information is correct, the IC card 21 has a reference indicating that the collation result is correct. The response is output to the terminal device 63. When the terminal device 63 receives this response, the IC
A guidance request command is sent to the card 21 (steps 260-290). When the response terminal device 63 with guidance data is received from the IC card 21, the terminal device 63 displays this guidance on the liquid crystal display 67 (step 30).
0,310). The displayed contents are the number, name, and telephone number of the application program prepared inside the IC card 21.

The operator looks at this display and selects a desired application program using the ten-key switch 69 (step
320). If there is no cancellation for this selection, and the selection is completed and is properly selected (steps 330 and 340), the telephone number corresponding to this selection is sent from the terminal device 63 to the IC card 21, and the IC card 21 is selected. The dialed telephone number is dialed, the center computer of the telephone number is called via the communication line and the telephone exchange as shown in FIG. 6, and is connected online (steps 350, 360).

Now, from among various application programs displayed on the liquid crystal display 67, for example, shopping is a ten-key switch.
If it is selected by 69, the telephone number corresponding to this shopping is supplied from the terminal device 63 to the IC card 21,
The center computer of the shopping destination is called by dialing this telephone number from the IC card 21, and the IC card 21 is online connected to the center computer via the terminal device 63, the communication line, and the exchange.

When the connection with the center computer is not normal, the display indicating that communication is impossible is displayed on the liquid crystal display unit 67, and the IC card 21 is ejected (steps 380, 200). The center computer confirms the ID set inside the terminal device 63, and then the center computer displays various information of the IC card 21, that is, the communication security code, card number, name, credit amount, credit deadline, etc. The requested card information request message is sent to the terminal device 63 (step 390). The terminal device 63 sends the communication text received from the center computer to the IC card 21. The IC card 21 reads various information according to the communication text, that is, the communication secret code number, the card number, the name, the credit amount, the credit deadline, etc. from the memory 25 and sends them to the terminal device 63, and the terminal device 63 receives these card information. Is transmitted to the center computer (steps 400-420).

The center computer collates the received card information. The terminal device 63 receives this verification result as a verification response from the center computer (step 43).
0), check if the matching result was correct,
If it is not correct, a non-handling indication is displayed on the liquid crystal display 67 (steps 440 and 450).

If the collation result is correct, after this collation, the center computer transmits information to the terminal device 63, that is, in the case of shopping, input guidance information such as a product code, the number of products, a desired delivery date, etc. It is displayed on the liquid crystal display 67 of 63 (steps 460 and 470).

The operator inputs desired information, that is, desired shopping information, for example, shopping information for purchasing an item to be purchased, if desired, by various key switches of the terminal device 63 according to the displayed guidance (step 480). ). When the input information is not canceled and the processing is normally completed, the input information is transmitted from the terminal device 63 to the center computer and stored (step 52).
0). Then, the center computer transmits the received information input by the operator, the purchase amount for the information, the transaction number, etc. to the terminal device 63 (step 530). Upon receiving this information, the terminal device 63 displays it on the liquid crystal display 67 (step 540). When the operator sees the displayed information and performs a necessary key switch operation and presses the confirmation key switch 77, the confirmation information is transmitted from the terminal device 63 to the center computer (steps 550-580).

Upon receiving this confirmation information, the center computer sends the transaction information shown in FIG. 4 to the IC card 21 (steps 590, 600). When the IC card 21 receives this transaction information, it stores it in the transaction information storage area 39 of the memory 25, deducts the purchase amount from the credit amount storage unit, and corrects the credit amount balance. After these processes, the IC card 21 sends an end response to the center computer via the terminal device 63 (steps 610 and 620).

When the center computer receives this end message,
The new communication security code is transmitted to the terminal device 63, and the terminal device 63
This new communication security code is transmitted to the IC card 21 (steps 630 and 640). When the IC card 21 receives this new communication security code, it rewrites the security code and transmits a termination response to the terminal device 63, and the termination communication message is transmitted from the terminal device 63 to the center computer (steps 650, 660). When the center computer receives this end communication message, it transmits the transaction end communication message to the terminal device 63. Upon receiving this communication text, the terminal device 63 disconnects the communication line connected to the center computer and inserts the IC card 21 into the insertion port.
Release from 65 (670-690). As described above, the normal transaction processing for shopping is performed, the transaction information is stored in the memory 25, and the credit amount is updated.

The operation of the transaction cancellation process described above will be described above.

As described above, the IC card 21 is inserted into the terminal device 63 to call the center computer, which is transmitted from the center computer, for example, by inputting guidance such as a product code related to shopping, quantity, desired delivery date, and displayed on the liquid crystal display 67. It is the same until it is done. If you enter the information about the product you want to purchase here with the key switch, the normal transaction described above will be performed, but if you want to cancel the transaction previously performed here, that is, you can select a product by the same procedure as the normal transaction described above. If the customer has purchased but wants to cancel the purchase transaction for this product, the cancel key switch 83 is pressed in step 560. As a result, the process proceeds to step 730 shown in FIG. 7 (h), where the liquid crystal display 67 displays a message to the effect that the transaction code previously executed and desired to be canceled is keyed in. The operator accordingly inputs the transaction code number to be canceled by using the ten-key switch 69 (step 740). If there is no mistake in the key input of the transaction code and there is no need to cancel it, the confirmation key switch 77 is pressed (step 760). As a result, the transaction code to be canceled is transmitted from the terminal device 63 to the center computer. The center computer searches the file of the storage device for a transaction related to the received transaction code, and sends the search result to the terminal device 63 (steps 770 and 780). Based on the search result, it is checked whether the transaction can be canceled (step 790).
That is, if the product etc. in this transaction has not been delivered, it can be canceled. If the result of this check is that the transaction can be canceled, the content of the transaction code is read from the IC card 21, and the transaction content is transmitted to the center computer (steps 800, 810).

The center computer collates the transaction contents and transmits the collation result and the processing data thereof, that is, the refund amount, the transaction number to be canceled, etc. to the terminal device 63 (step 830). After checking whether the transaction can be canceled or not, the terminal device 63 sends the cancellation information to the IC card 21. When the cancellation process is completed, the IC card 21 transmits a cancellation process end response to the center computer via the terminal device 63 (steps 840-880).

When the center computer receives this response,
The cancellation completion is stored and a new communication password is transmitted to the IC card 21 via the terminal device 63 (steps 630 and 640). When the IC card 21 completes the rewriting to the new communication password, it sends the end communication response to the terminal device 63, and the terminal device 63 sends the end communication message to the center computer (steps 650, 660). When the center computer receives this end communication message, it sends the transaction end communication message to the terminal device 63. The terminal device 63 disconnects the communication line connected to the center computer that responds to the request, releases the IC card 21 from the IC card insertion slot 65, and ends the transaction cancellation process (steps 670-690).

If the collation in step 440 is not correct, the liquid crystal display 67 is displayed as unhandled and the step
Proceed to 700, and if the shopping information, transaction code, etc. entered in steps 490 and 750 above are canceled, display a cancellation display and proceed to step 700, and if cancellation of transactions is impossible in steps 790 and 840 An irrevocable display is displayed on the screen and the process proceeds to step 700. Then, in step 700 for each of these processes, a transaction cancellation telegram is transmitted to the center computer. On the other hand, the center computer performs appropriate processing and transmits a transaction cancellation completion signal to the terminal device 63 (step 710). Upon receiving this, the terminal device 63 cancels the display on the liquid crystal display unit 67, proceeds to step 630, and performs the processing of steps 630-690 described above. That is, while setting a new communication security code, disconnecting the communication line,
The IC card is released and the process ends.

〔The invention's effect〕

As described above, according to the present invention, the transaction information is stored, and when the already executed transaction is canceled, the canceled transaction information is stored.
Since the transactions are arranged on the basis of the stored cancellation transaction information and the stored transaction information, it is relatively easy and appropriate to cancel the transactions by the portable medium, which has not been performed conventionally. You can

[Brief description of drawings]

FIG. 1 is a diagram corresponding to the claims of the present invention, FIG. 2 is a block diagram of an IC card constituting a portable medium showing an embodiment of the present invention, and FIG. 3 is a memory used in the IC card of FIG. FIG. 4, FIG. 4 is a transaction data format used for the IC card of FIG. 2, FIG. 5 is an external configuration diagram of a terminal device into which the IC card of FIG. 2 is inserted, and FIG. 6 is FIG. Of the IC card, the terminal device, the exchange, and the exchange of information between the center computer and the exchange of information in the case of making a transaction using the IC card of FIG. 7, and FIGS. 7 (a)-(i) are the normal connection configurations of FIG. It is a flow chart which shows transaction and transaction cancellation operation. 1 ... Transaction information storage means, 3 ... Credit storage means 5 ... Cancellation amount reversal means 21 ... IC card.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification code Internal reference number FI Technical display location G06K 19/00 G07F 7/08 8724-5L G06F 15/21 340 Z G06K 19/00 Q

Claims (1)

[Claims] 1. A terminal device for inputting transaction information, a center computer for generating a transaction number of the transaction based on the transaction information transmitted through the terminal device, and storing the transaction number together with the transaction information, and a transactable amount of money of a user. In a transaction system including a portable medium that stores transaction information and a transaction number in a memory, the terminal device transmits transaction information to a center computer and receives a transaction amount and a transaction number from the center computer during a normal transaction. Input means for inputting transaction number, transaction number, transaction amount and transaction information and transaction completion information received from the center computer to the portable medium, and transaction number for canceling and canceling the transaction. When the means and the transaction number for canceling and canceling the transaction are input, the transaction number for which the cancellation is instructed Second receiving means for transmitting to the center computer the transaction information relating to the transaction number from the center computer, and transaction of the transaction number for which cancellation is instructed by the input means based on the transaction information received by the second receiving means. And a second transmitting means for transmitting to the portable medium a transaction number and an instruction to cancel the transaction if the transaction is determined to be cancelable by the determining means. The portable medium stores a transaction number, transaction amount, transaction information and transaction completion information transmitted by the first transmitting means in a memory, and reduces the received transaction amount from a pre-stored transaction possible amount. And a second means
Based on the transaction number and the transaction cancellation instruction transmitted by the transmission means of, the transaction amount of the transaction number of the cancellation instruction is added to the tradable amount and the transaction completion information of the transaction of the cancellation instruction is invalid information indicating invalidity. A portable medium, comprising: