JPH0850620A - Data recording system for electronic bankbook - Google Patents

Abstract

PURPOSE:To perform retrieval and classification by a method desired by a customer without being limited by detail items set on a financial institution side by recording transaction details in an electronic bankbook and adding symbols for indicating correspondence relation with the transaction details to transaction data. CONSTITUTION:Two transaction detail tables 29 and 31 are constituted of the items of 'start,' 'end,' 'details' (=symbols) and 'contents.' That is, the table 29 is applied to the transaction data from the first of January to the first of February and the table 31 is applied to the transaction data from the second of February to the first of March. Further, so as not to waste a memory capacity, only a difference from the previous table 29 is recorded in the table 31 after a change and the setting of the table 29 is still effectively applied for the details not recorded in the table 31. In such a manner, the transaction details arbitrarily determined by the customer are recorded in the electronic bankbook and the symbols for indicating correspondence with the transaction details are added to the transaction data inside the electronic bankbook.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for recording transaction data in a so-called electronic passbook and searching the recorded data.

[0002]

2. Description of the Related Art In a transaction processing system for financial institutions such as banks, electronic passbooks, that is, IC cards and optical ICs.
A system using a bankbook using a hybrid card or the like has been proposed.

In an electronic passbook, transaction data of a financial transaction is recorded in an optical recording medium provided on the card surface or a memory of an IC chip. When using an electronic passbook, set the electronic passbook in an automatic teller machine (ATM) or a bank POS terminal device, write transaction data into the electronic passbook from these devices, or read out transaction data from the electronic passbook and display it. It can be printed or printed.

The details of the transaction data recorded in the electronic passbook follow a certain item classification defined by the financial institution, as in the case of a general paper passbook. For example, items such as date, transaction type, transaction amount, deposit balance, transaction type and the like.
Further, the transaction type is represented by a subdivision type symbol defined by the financial institution.

[0005]

When the transaction data recorded in the electronic passbook is read, a search key is selected from the above-mentioned item and transaction type symbol, and only the transaction data corresponding to the search key is selectively read out. be able to. This is a convenient function for customers, but one problem that arises is that there is a limit to the degree of freedom in searching and categorizing transaction data because the search key cannot be selected from a range other than the range specified by the financial institution. It is not possible to freely search and classify in the way customers want.

Therefore, an object of the present invention is, when the customer searches or classifies the transaction data recorded in the electronic passbook, is not limited to the item items of the transaction data set by the financial institution side, The goal is to be able to search and sort in any way you want.

[0007]

A method of recording data in an electronic passbook according to the present invention is a method for recording transaction details specified by a customer in an electronic passbook and correspondence between transaction data recorded in the electronic passbook and transaction details. And a means for adding a symbol indicating a relationship.

[0008] In one preferable mode of the present method, the system further comprises means for recording, in the electronic passbook, information indicating the change of the existing transaction item or the addition of the new transaction item by the operation of the customer.

[0009]

According to this method, the transaction details arbitrarily specified by the customer are recorded in the electronic passbook, and the transaction data in the electronic passbook is added with a symbol indicating the correspondence with the transaction detail. Therefore, when reading transaction data from an electronic passbook, refer to the transaction details in the electronic passbook and use the symbol corresponding to the required transaction details as a search key to ensure that only the transaction data that corresponds to the required transaction details Selectively read,
Alternatively, it is possible to display which transaction item each transaction data corresponds to, based on the symbol added to the read transaction data. In this case, the transaction details are arbitrarily set by the customer, so that the customer can freely search and classify the transaction data by a desired method.

In the desirable mode of the present system described above, when the customer changes the setting or adds a new transaction item after setting the transaction item once, the setting change or the new setting is performed. The represented information is recorded in the electronic passbook. Therefore, when the transaction data is read out, it is possible to search or classify the transaction data by reflecting the setting change or the new setting by referring to the information of the setting change or the new setting. In other words, the customer is free to change or add transaction details.

[0011]

1 is an external view showing a schematic configuration of an electronic passbook used in an embodiment of a financial transaction system to which the present invention is applied.

This electronic passbook 1 uses an IC optical hybrid card, and an IC chip 3 and a sheet-shaped optical recording medium (optical memory) 5 are provided on the card surface. Transaction data is mainly recorded in the optical memory 5. The optical memory 5 records data by opening a minute hole called a pit with a laser beam, and the recorded data cannot be erased or rewritten, and only new data can be additionally written. The IC unit 3 performs processing such as authentication and data encryption for ensuring the safety of transactions and transaction data, address management of various memories in the electronic passbook 1, and management of transaction details related to the present invention. Is.

FIG. 2 shows the internal structure of the IC section 3 of this electronic passbook.

As shown in the figure, the IC section 3 comprises a serial interface 11, a CPU 13, a mask ROM 15, a work RAM 17, an EEPROM 19, a data bus 21 and an address bus 23.

The serial interface 11 is an interface for communicating with a terminal device of a transaction processing system such as an ATM or a bank POS terminal.

The CPU 13 performs information processing such as the above-mentioned authentication, encryption, address management and transaction details management according to a program stored in the mask ROM 13. The work RAM 17 is a work area of the CPU 13.

The EEPROM 19 stores various keys used for authentication, various identification codes, encryption keys used for encryption, address tables for address management, transaction details tables related to the present invention, and the like. Here, the transaction detail table is a table in which the details of financial transactions are arbitrarily classified by the customer, and the detailed classification items (hereinafter referred to as transaction details) and the symbols of the transaction details are registered. Will be explained later.

A common information file 25 and an application file 27 are provided in the EEPROM 19. The common information file 25 stores information common to all applications that can use the electronic passbook 1 (for example, financial transactions by each bank, general commercial transactions by each store, etc.), and an application file 27. Stores information unique to each application. What is stored in the common information file 25 and the application file 2
What can be stored in 7 can be freely determined by the design of the card. Regarding the above-mentioned transaction detail table, when different transaction details are set for each application, they are stored in the application file 27.
When the transaction details are set commonly for all applications, they are stored in the common information file 25.

FIG. 3 shows a format of transaction data recorded in the optical recording section 5 of the electronic passbook 1.

As shown in the figure, the transaction data includes “transaction date”, “business partner”, “payment amount”, “deposit amount”, “balance balance”, “symbol” (= transaction type symbol) and “detailed item”. It is composed of items. Here, the items from “transaction date” to “symbol” are items determined by the financial institution side. On the other hand, “details” is a symbol representing a transaction detail arbitrarily set by the customer, and the specific contents of the transaction detail corresponding to the symbol “details” are as described above in the EEPRO of the IC unit 3.
It is described in the transaction detail table in M19.

FIG. 4 shows a concrete example of the transaction item table in the EEPROM 19.

In FIG. 4, two transaction detail tables 29 and 31 are shown, both of which are "start".
It is composed of "end", "details" (= symbol) and "contents". "Detail" indicates the symbol of transaction details and "Content"
Indicates the specific details of the transaction details.

"Start" and "end" indicate the range of transaction date and time of transaction data to which the table is applicable. That is, the table 29 is applied to transaction data from January 1st to February 1st, and the table 31 is applied from February 2nd to 3rd.
Applies to transaction data up to the 1st of the month. In this way, there are multiple tables with different application periods because the customer changed the transaction details setting later, and moreover,
Since the sub-symbols given to the transaction data in the optical memory 5 cannot be rewritten due to the nature of the optical memory, the meanings of the sub-symbols are different before and after the setting is changed. Therefore, it is necessary to apply a different table for each period. Is.
Here, in order not to waste the memory capacity, only the difference from the previous table 29 is recorded in the changed table 31, and the setting of the table 29 is still set for the details not recorded in the table 31. Effectively applied. Incidentally, in the illustrated example, the original table 2
In 9, "01" = "food expenses", "02" = "medical expenses",
When "03" = "Insurance", etc. were set, 2
As for the table on and after the second day of the month, the contents of "01" are changed to "main rent" as shown in Table 31, and "06" = "cost of clothes" is added. After that, although not shown, each time the customer changes the setting of transaction details, the changed content is recorded in a new table.

In FIG. 4, the use of money is set as a detailed content as an example, but what content is set is up to the customer, and there is no particular limitation.

FIG. 5 is a block diagram showing the entire structure of an ATM capable of writing and reading transaction data in this electronic passbook.

The ATM 41 functions as a terminal device of a financial transaction processing system centering on a computer center (not shown) of a financial institution, and includes a processing device 43 and a memory 4.
5, communication device 47, IC card read / write unit 49, laser card read / write unit 51, deposit / withdrawal unit 53,
A CRT 55 with a touch sensor, a voice output unit 57, and a single-cut sheet printing section 59 are provided.

The processing device 43 performs information processing necessary for the function of ATM. The memory 45 includes a main memory and a work area of the processing device 43.

The communication device 47 is for communicating with the bank host computer based on a predetermined protocol.

The IC card read / write unit 49 and the laser card read / write unit 51 are integrated to form an electronic passbook reader / writer. The IC card read / write unit 49 is for accessing the IC unit 3 of the electronic passbook 1. The laser card read / write unit 51 includes a laser head and writes transaction data in the optical storage unit 5 of the electronic passbook 1 and reads the transaction data.

The pay-in / pay-out unit 53 is for paying and receiving cash. The CRT 55 with a touch sensor functions as a display / input operation panel, and is used for inputting information necessary for executing a transaction, displaying a transaction execution result, transaction data read from the electronic passbook 1, and the like. The voice output unit 57 outputs a message such as guidance to the customer by voice. The single-cut printing unit 59 prints the transaction execution result and the transaction data read from the electronic passbook on a sheet.

FIG. 6 shows A when the customer sets transaction details.
The flow of processing of TM41 is shown.

First, the symbols and contents of the currently valid transaction details registered in the transaction details table are read from the EEPROM in the IC section 3 of the electronic passbook reader / writer (S1). Next, the read registration contents are displayed on the CRT 55 with a touch sensor to prompt the customer to add or change the registration contents (S2). The display at this time is, for example, as shown in the left part of FIG.

The customer refers to the displayed current registered content and inputs addition or change of the registered content from the touch sensor, and the result is compared with the current registered content as shown in the right part of FIG. Is displayed. In this example, the subdivision "01"
Has been changed from "clothes charges" to "main charges" and a new item "06" = "clothes charges" has been added.

Next, the ATM 41 confirms the contents of the change or addition of the item input by the customer (S3), and in the latest transaction item table in the EEPROM, the day before the current date (or the date desired by the customer). Write the date as the end date (S4), and EE a new transaction detail table with the current date (or the date desired by the customer) as the start date.
It is created in the PROM, and details of changes and additions of details are written therein (S5). As a result, the changed table 31 as shown in FIG. 4 is added to the EEPROM.

By the above processing, the customer can freely set and change the transaction details added to the transaction data in the electronic passbook 1. In this case, since the actual contents of the transaction data are not changed, there is no risk of hindering banking operations.

FIG. 8 shows a processing flow of the ATM 41 when giving details to the transaction data in the electronic passbook 1.

First, with the electronic passbook 1 set in the ATM 41, when the customer inputs the period of the transaction data that he / she wants to add to the ATM 41 (S11), the ATM 41 stores all the transaction data corresponding to the period in the electronic form. Read from the optical memory 5 of the passbook to the memory 45 in the ATM (S1
2) This is displayed on the CRT 55 (S13). Then, as illustrated in FIG. 9, a message for selecting transaction data is displayed, and when the customer selects the transaction data, a special display such as enclosing the transaction data in a frame is displayed (S14).

Next, the ATM 41 reads the transaction item table from the EEPROM in the IC of the electronic passbook (S1).
5) As shown in FIG. 10, a list of symbols and contents that are valid for the above period is displayed, and when the customer selects a item from the list, the item is enclosed in a frame or other special means. Display (S15).

Next, the ATM 41 writes the selected detailed symbol in the transaction data selected on the memory 45 in the ATM 41 (S16) and displays the state as shown in FIG. 11 to obtain the customer's confirmation. Then, the selected detailed symbol is written in the selected transaction data in the optical memory 5 of the electronic passbook (S17), and the process is terminated.

By the above processing, the transaction data recorded in the optical memory 5 of the electronic passbook 1 is added with the symbol indicating the transaction details.

FIG. 12 shows A when the transaction data corresponding to the transaction details desired by the customer is retrieved from the electronic passbook and read out.
The flow of processing of TM41 is shown.

The ATM 41 first determines whether or not the total amount of the transaction data corresponding to the transaction details is calculated or displayed.
The customer is asked through 55 (S21), and when the customer answers yes, the contents of the registered transaction details are read from the transaction details table in the IC of the electronic passbook 1 and displayed as a list on the CRT 55 (S22). When the customer selects one of the detailed contents from the displayed detailed contents (S23), the customer is prompted to input a desired period (S24). Then, the transaction data belonging to the period entered by the customer is read from the optical memory 5 of the electronic passbook into the memory 45 in the ATM 41, and the symbol corresponding to the details of the item selected by the customer is used as a search key. The transaction data corresponding to the detailed contents are searched, and when the customer further requests, the searched transaction data is totaled to obtain the total amount (S25), and the result is displayed on the CRT 5 as shown in FIG. 13, for example.
5 is displayed (S26).

Through the above processing, it is possible to selectively read and display only the transaction data of the transaction details desired by the customer.

The present invention is not limited to the above-described embodiments, but can be implemented in various other modes without departing from the scope of the invention.

[0045]

As described above, according to the present invention,
In a transaction processing system using an electronic passbook, the transaction data recorded in the electronic passbook can be freely searched and classified by a method desired by the customer.

[Brief description of drawings]

FIG. 1 is a plan view showing a schematic configuration of an electronic passbook to which the present invention is applied.

FIG. 2 is a block diagram showing an internal configuration of an IC unit of the electronic passbook.

FIG. 3 is a diagram showing a format of transaction data recorded in an optical memory of the electronic passbook.

FIG. 4 is a diagram showing a specific example of a transaction item table recorded in the IC section of the electronic passbook.

FIG. 5 is a block diagram showing a configuration of an ATM according to an embodiment of the present invention in which the electronic passbook can be used.

FIG. 6 is a flowchart showing the flow of a transaction detail changing process performed by the ATM.

FIG. 7 is a diagram showing an example of a transaction detail list display screen displayed in the change processing.

FIG. 8 is a flowchart showing a flow of a process of giving detailed information to transaction data performed by the ATM.

FIG. 9 is a diagram showing an example of a transaction data selection screen displayed in the same item assigning process.

FIG. 10 is a diagram showing an example of a detail selection screen displayed in the same detail assignment processing.

FIG. 11 is a diagram showing an example of a confirmation screen of a detail addition result displayed in the same detail addition processing.

FIG. 12 is a flowchart showing the flow of transaction data search processing performed by the same ATM.

FIG. 13 is a diagram showing an example of a search result display screen displayed in the search process.

[Explanation of symbols]

 1 Electronic Passbook 3 IC Part 5 Optical Memory 19 EEPROM 29, 31 Transaction Detail Table 41 ATM

Claims (4)

[Claims] 1. In a method of recording transaction data in an electronic passbook, a means for recording transaction details specified by a customer in the electronic passbook, and a correspondence relationship between the transaction data recorded in the electronic passbook and the transaction details. An electronic passbook data recording method comprising means for adding a symbol indicating. 2. The method according to claim 1, further comprising means for recording, in the electronic passbook, information indicating a change in an existing transaction item or an addition of a new transaction item by a customer operation. Data recording method for electronic passbook. 3. The method according to claim 1, wherein the transaction item is read from the electronic passbook, and a symbol corresponding to the transaction item desired by the customer is selected as a search key based on the read transaction item. Means for selectively reading transaction data corresponding to the desired transaction details from the electronic passbook by the selected search key,
A data recording method for an electronic passbook, further comprising: 4. A method of recording transaction data in an electronic passbook, comprising the steps of a customer recording transaction details specified by the customer in the electronic passbook, and the transaction data recorded in the electronic passbook with the transaction details. A method of recording data in an electronic passbook, comprising: a step of adding a symbol indicating a correspondence relationship.