JPH10143728A - Ic card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an IC card in which the amount of damage due to burglar or loss can be minimized. SOLUTION: A monthly upper limit sum setting area 151 for setting the upper limit value of fund reservation sum available in one month, fund reservation history storage area 152 for recording the history of a fund reservation sum, and unit period storage area 153 for setting the starting period and ending period of fund reservation are formed in an EEPROM 15 in a card. Then, a CPU in the card calculates the accumulated of the fund reservation sum reserved in the unit period, compares the upper limit value set in the monthly upper limit sum setting area 151 with the accumulated, and permits the next accumulation of the fund reservation sum only when the accumulated is not beyond the upper limit value as the result of the comparison.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method for setting data corresponding to, for example, the amount of money that can be used within a certain period,
I can set a usage restriction function when the amount exceeds that amount
Regarding C card.

[0002]

2. Description of the Related Art Cash is provided in the form of electronic information, such as a social system such as an electronic cash system or a prepaid card system, or a personal use system such as a fixed-amount pocket money given from a parent to a child via a financial institution. Various systems for distribution have been proposed. In such a system, data corresponding to the amount of money or the like is generally stored and used in an IC card having high security.

[0003] In actual operation, when a user purchases a product or pays for a service, the amount of funds reserved is accumulated in an IC card dedicated to the user instead of cash, and the money is accumulated for a certain period of time, for example, every month. The payment value is read by reading the accumulated value of the fund reserve amount in the IC card into a dedicated payment device. By using an IC card in this way,
Users do not have to carry large amounts of cash.

[0004]

However, in the currently used IC card, there is no upper limit on the accumulated fund holding amount, so that there is a possibility that a user may hold a large amount of money many times within a certain period. There is. Also, recent IC cards are
In addition to the function of enhancing security by encryption and PIN (Personal Identification Number) lock, etc., the program stored in the memory
A function is also provided for unlocking the PIN at the time of user authentication so that it can be used. In a system that uses a PIN in an unlocked state, even a person other than a legitimate IC card holder can use the IC card. Therefore, if the IC card is stolen, the funds of the legitimate IC card holder are raised. There is a possibility that damage may be caused by the amount reserved in the IC card. In particular, as described above, if there is no upper limit on the accumulated fund holding amount, the damage may be extremely large.

Accordingly, an object of the present invention is to prevent the amount of money that can be held in the IC card per fixed period from being used beyond the amount specified by the user, and to minimize the amount of damage due to theft, loss, etc. It is to provide the technology which can do it.

[0006]

In order to solve the above-mentioned problems, an IC card according to the present invention comprises a first memory area for setting an upper limit of a fund holding amount usable in a unit period; A second memory area for recording the history of the data, and a first memory control means. The first memory control means calculates a cumulative value of the fund holding amount held within the unit period and calculates the second memory area. While recording in the memory area, the upper limit value set in the first memory area is compared with the accumulated value recorded in the second memory area, and as a result of the comparison, the accumulated value does not exceed the upper limit value It is characterized in that it is configured to allow the accumulation of the next fund reserve amount only in the case.

[0007] It is preferable that the first memory control means is configured to, when there is a request for accumulating a fund reserve amount, include the amount of the request in the accumulated value and compare it with the upper limit value.

[0008] Another IC card according to the present invention includes the first memory area and second memory control means. When the second memory control means receives a request for accumulating the fund holding amount, the second memory control means receives the request. The sum of the amount and the fund holding amount at the time of the request
It is configured to compare with an upper limit set in the memory area and allow accumulation of the amount of the request in the card only when the sum does not exceed the upper limit. It is characterized by.

In a more preferred form of the IC card according to the present invention, the IC card further includes a third memory area for recording unit period information indicating a start and an end of the unit period. The first and second memory control means may determine whether or not the transaction date input in association with the request for accumulating the fund reserve amount is after the end of the unit period information recorded in the third memory area. The period information is configured to be updated. The unit period is generally equal to the I
The same period is set as the payment settlement period for the usage amount of the C card.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram illustrating a configuration example of an IC card according to an embodiment of the present invention. The IC card 1 includes an input / output control unit (I / O) 11 for performing data input / output control with a card reader / writer (R / W) 2, a microprocessor (CPU) 12, a ROM 13, and a RAM 1.
4 and an EEPROM 15.

The RAM 14 is a working memory used by the CPU 12 to execute a program.
M13 is a memory for storing at least a control program executed by the CPU 12. In this embodiment, the ROM
The memory control unit 30 is configured by the control program in the CPU 13 and the CPU 12.

FIG. 2 is an explanatory diagram of the contents of the EEPROM 15. The EEPROM 15 is provided with respective areas for storing information and the like used for determining whether or not to permit fund holding. The monthly upper limit setting area 151 is an area (first memory area) for setting an upper limit of a fund reserve amount usable in a unit period, for example, one month.
The fund holding history storage area 152 is an area (second memory area) for recording the transaction date when the fund holding was performed on the IC card and the history of the fund holding amount at that time. The unit period storage area 153 is an area (third memory area) for recording and updating unit period information indicating the start and end of the unit period. As will be described later, when the user requests the fund reserve, the RAM 14 stores the unit period recorded in the unit period storage area 153 among the fund reserve amounts recorded in the fund reserve history storage area 152. The total amount of the result obtained by adding the fund reserve amounts in all the transactions performed between the beginning and the end of is written out. FIG. 3 shows a state in the RAM 14 according to the data example of FIG.

FIG. 4 shows a memory control unit 30 realized by the CPU 12 in accordance with a control program stored in the ROM 13.
FIG. 3 is a functional block configuration diagram of FIG. This memory control unit 30
Is used to manage fund holding using various types of information stored in the EEPROM 15.
1, a cumulative range specifying unit 32, an arithmetic processing unit 33, a data comparison and determination unit 34, and a data update processing unit 35.

The period determining unit 31 determines whether the date data acquired from the R / W 2 and the date recorded in the unit period storage area 153 are ahead or behind.
Reference numeral 2 is for extracting data in a necessary range from data recorded in the fund holding history storage area 152. The arithmetic processing unit 33 calculates the accumulated value of the fund reserve amount from, for example, the extracted data and the data acquired from the R / W2. The data comparison / determination unit 34 compares the cumulative value calculated by the arithmetic processing unit 33 with the upper limit set in the monthly upper limit setting area 151 to determine whether to allow funds to be reserved. It is. The data update processing unit 35 updates data in each area in the EEPROM 15 as necessary.

Hereinafter, the flow of the determination of permission / non-permission at the time of a fund holding request and the flow of data updating will be described with reference to FIGS. FIG. 5 is a control procedure diagram of the memory control unit 30, and FIG. 6 is a sequence chart showing an exchange form of data and the like between the IC card 1, the R / W 2, and the center system. Here, the monthly upper limit of fund suspension is $ 20
An example will be described in which the setting is made to be 0000 and the end of the unit period is set to 27th of every month.

The IC card 1 is a terminal (for example, ATM: automatic teller) connected online to a center system.
machine) is mounted on the R / W2 provided for use. When the fund holding request amount and the transaction date data input by the user are acquired from this terminal (step S1), the IC
On the card 1 side, the period determination unit 31 compares the present date data acquired from the R / W 2 and the end date data “1996.11.27” of the period recorded in the unit period storage area 153 in the EEPROM 15. Compare (Step S
2). As a result of the comparison, when it is confirmed that the transaction is within the recorded unit period, the cumulative range specifying unit 32 searches the fund suspension date column of the fund suspension history storage area 152 to search for transactions within the unit period. Issue (step S3). In this case, 1
It can be seen that the three transactions recorded as the first to third transactions in the January period are transactions performed between the beginning and the end of the period recorded in the unit period storage area 153.

First, the arithmetic processing unit 33 adds the fund reserve amounts in the three transactions (step S4). In this embodiment, R / W
Then, the fund reserve request amount (32,000) acquired from Step 2 is added to calculate the accumulated value of the fund reserve amounts within the unit period (Step S5). Each amount and its accumulated value are written out to the RAM 14, which is a working memory. FIG.
This shows the contents of the RAM 14 at this time, and shows the process of obtaining "197,000" as an accumulated value.

The data comparing and judging section 34 sets the amount “200,000” set in the monthly upper limit setting area 151.
And the above accumulated value (in the example shown in FIG. 3, "197,00
0 ”) to determine the magnitude (step S
6). In the example of FIG. 3, the accumulated value (197,000) obtained by adding the hold request amount is equal to the set upper limit amount (200,
000). Therefore, the memory control unit 30 notifies the R / W 20 that the fund suspension request is permitted (Step S6: Yes, Step S7). R / W2 transmits a fund refund request to the center system side. On the center system side, the amount of the corresponding account is updated, and the processing result is
To the IC card 1 via. With this, IC card 1
On the side, additional holding of funds (updating of the held amount) is performed. Specifically, the data update processing unit 35 adds the current transaction date and the amount of the fund holding to the past data described in the next column (described as 3-n) of the fund holding history (3
2,000) (step S8). FIG. 7A shows the contents of the overwritten fund holding history storage area 152.
Shown in

Returning to FIG. 5, when the accumulated value exceeds the upper limit in step S6 (step S6: No), the data comparison / determination unit 34 displays an error for rejecting the additional suspension of the fund (step S9). , And the process ends.

On the other hand, if it is confirmed in step S2 that the current date data has passed the end of the period (step S2: No), the data update processing unit 35
Updates the start and end date data of the period recorded in the unit period storage area 153 (step S10). The updated unit period storage area is in the state shown in FIG. In this case, there is no transaction made within the unit period in the fund holding history storage area 152. Therefore, the arithmetic processing unit 33 calculates the accumulated value of the fund reserve amount within the unit period by adding the request amount for which the reserve request is currently made to the numerical value 0 (step S11). That is, the accumulated value is the hold request amount itself. Also in this case, the data comparison determination unit 34 compares and determines the size of the hold request amount and the hold upper limit amount (step S12), and allows the hold request according to the result (step S13). To overwrite the transaction date and the reserved amount (step S14) or display an error (step S1)
5).

As described above, in the present embodiment, at the time of fund holding, the accumulated value of the fund holding amount stored in the fund holding history storage area 152 and the upper limit value set in the monthly upper limit setting area 151 are set. Is compared, and if the accumulated value exceeds the upper limit, the holding of the fund is prohibited, so that it is possible to utilize the card management of the user. Further, even if the IC card is stolen or lost, the amount of damage can be minimized.

Further, in the IC card 1 of this embodiment,
For example, during the first transaction after entering a new unit period, such as a monthly change, the contents of the unit period storage area 153 and the contents of the fund holding history storage area 152 are automatically updated. Can be used repeatedly. Further, the unit period can be set to the same period as the payment settlement period for the usage amount of the IC card. In this case, since the user can simultaneously manage the payment and settlement of the IC card and the management of the fund holding amount, the user sets the upper limit of the set fund holding amount in the payment and settlement of the IC card. When you prepare,
IC card management is greatly simplified.

The above is an example of the case of determining whether or not the upper limit of card use is based on the history of the amount of funds reserved within a unit period. However, the present invention is only applicable in such an embodiment. Not usable. For example, the memory control unit 30 can be configured as follows. That is, when there is a request for accumulating a new fund reserve amount, the sum of the request amount and the fund reserve amount at the time of the request is calculated, and the calculated amount is compared with the upper limit value. Only when the amount does not exceed the upper limit, the amount of the request is allowed to be accumulated in the card. In this way, it is possible to check whether the upper limit has been reached each time a request for accumulating the fund reserve amount is made.

[0024]

As is apparent from the above description, according to the present invention, the amount of money that can be held in the IC card cannot be more than the amount specified by the user, and the amount of damage due to theft, loss, etc. can be reduced. An IC card with high practical value that can be minimized can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration example of an IC card according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating the contents of an EEPROM according to the embodiment.

FIG. 3 is an explanatory diagram illustrating an example of how to use a RAM according to the embodiment;

FIG. 4 is a functional block configuration diagram of a memory control unit according to the embodiment.

FIG. 5 is an explanatory diagram of a control procedure in a memory control unit of the embodiment.

FIG. 6 is a sequence chart showing a data transmission / reception mode between the IC card, the card reader / writer, and the center system according to the embodiment.

FIG. 7 is an EEPROM after data update according to the embodiment;
It is an explanatory view showing the contents of data stored in the
(A) shows the contents of the fund holding history storage area, and (b) shows the contents of the unit period storage area.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 2 Card reader / writer (R / W) 11 I / O control part (I / O) 12 Microprocessor (CPU) 13 ROM 14 RAM 15 EEPROM 151 Monthly upper limit setting area 152 Fund holding history storage area 153 Unit period storage Area 30 Memory control unit 31 Period determination unit 32 Cumulative range identification unit 33 Operation processing unit 34 Data comparison determination unit 35 Data update processing unit

Continuation of front page (72) Inventor Naoyuki Kanno 3-3-3 Toyosu, Koto-ku, Tokyo NTT Data Communications Corporation

Claims (5)

[Claims] 1. A first memory area for setting an upper limit of a fund reserve amount usable in a card in a unit period, a second memory area for recording a history of the fund reserve amount, and a second memory area. Calculate the accumulated value of the funds held in the unit period among the funds held in the memory area, and compare the accumulated value with the upper limit set in the first memory area; An IC card comprising: a first memory control unit that permits the accumulation of the next fund holding amount only when the accumulated value does not exceed the upper limit value as a result of the comparison. 2. The method according to claim 1, wherein the first memory control means is configured to, when a request for accumulating a fund reserve amount is made, include the amount of the request in the accumulated value and compare it with the upper limit value. The IC card according to claim 1, wherein: 3. A first memory area for setting an upper limit value of a fund reserve amount usable in a card in a unit period, and when a request for accumulating the fund reserve amount is made, the amount of the request and the request time The sum with the fund reserve amount is compared with the upper limit set in the first memory area, and as a result of the comparison, the amount of the request is accumulated in the card only when the sum does not exceed the upper limit. And a second memory control means that allows the following. 4. The system further comprises a third memory area for recording unit period information indicating a start and an end of the unit period, wherein the memory control unit is configured to input a transaction associated with a request for accumulating a fund reserve amount. 3. The IC card according to claim 2, wherein when the date is after the end of the unit period information recorded in the third memory area, the unit period information is updated. 5. The IC card according to claim 1, wherein the unit period is set to the same period as a payment settlement period for a usage amount of the IC card.