JPS60193072A - Terminal device for ic card - Google Patents

Abstract

PURPOSE:To enable a customer to select his/her desired banking organ for transaction by using an IC card and at the same time displaying only a header table showing plural banking organs to a terminal device for IC card in a transaction mode. CONSTITUTION:For an IC card, a CPU transmits only a header table of a transaction data file stored in a ROM to an IC card reader 12 of a terminal device for IC card via an input/output port as long as a command received from said terminal device via an input/output port. The IC card terminal device displays the received header table, i.e., the names of banking organs to a display means such as a CRT23, etc. A customer looks at this display to select his/her desired banking organ and operates a keyboard 24 to feed a number corresponding to the relevant banking organ and to start a transaction.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field of the Invention The present invention relates to an IC card terminal device, particularly for banks,
Regarding terminal equipment for IC cards having a storage area that stores transaction data with financial institutions such as credit companies
It is something that

Description of the Prior Art Currently, magnetic cards such as so-called cash cards and credit cards are widely used for transactions such as withdrawals, deposits, and transfers through online systems with financial institutions such as banks and credit companies. There is. These magnetic cards magnetically store transaction data such as codes. When making a transaction, the owner of these cards uses the so-called ΔT M (A
Insert your card into a transaction terminal such as an automated machine (automaticl''eller machine) or CD (Cash [) 1spenser), and enter your PIN, transaction details, transaction amount, etc. into the terminal device. Card information and card location
The transaction information panonographed to the terminal device by fortune-telling is sent to each group.
the center's files are updated according to this information and instructions are given to the terminal to execute the transaction.

As a result, various transactions are executed between the cardholder and the terminal device.

Furthermore, in the current online system, mutual access between banks is realized, and it is also possible to withdraw money from an account at one's own bank using a terminal device of a bank other than one's own bank. For example, if you use a card from Bank A, which is your bank, on a terminal device from Bank B, which is not your bank, the transaction data read from Bank A's card will be sent to the center of Bank B, and the transaction data will be sent to the center of Bank B. The data is transferred from the center of Bank B to the center of Bank Δ. The presence or absence of an account is then searched at Bank A's center, and the file is updated according to the transaction information. Furthermore, a command to execute the transaction is transmitted to the terminal device of Bank B, and the desired transaction is realized between the person holding the card and the terminal device of Bank B.

By the way, in today's social life, opportunities to use cards such as cash cards and credit cards are increasing, and one person already owns several types of cards, and it is difficult for the person to select and use the one he or she needs from among them. It is supposed to be done. This trend is expected to further increase in the future.

As described above, when a user owns multiple cards, handling and storage of the cards becomes complicated, such as selecting the wrong card to use, and even losing the card. In order to prevent such a situation, it is desirable to be able to store all the transaction data of each financial institution on one card.

However, conventionally used magnetic cards have certain limitations in terms of storage capacity, and one gold i! The problem was that only institutional information could be stored.

Purpose of the Invention Therefore, the main purpose of this invention is to store multiple transactions (actual transaction data) on one sheet, and to create a heading table that specifies these transactions. To provide an IC card terminal device capable of specifying a desired financial institution and conducting transactions with an IGC card including an IGC card.

Structure and Effects of the Invention To summarize the present invention, data storage means (1 (OM, R
AM) and j? - At the time of a transaction, access only the header table of these financial institutions from an IC card that has a data processing means (CPU) and includes a storage area that stores transaction data of multiple financial institutions in HD format. Display on the display, ask the cardholder to select the desired financial institution, and transfer only the transaction data of the selected financial institution to the I'C.
The card is configured to send a request to the card and execute transaction processing.

Therefore, according to the present invention, even if a person handles multiple transactions, he or she can carry one IC card in which all of the transaction data is stored, and can use each transaction at the time of transaction. set(
-1 ((6ehwhat1)) By operating the ICh-de terminal device and selecting the desired financial institution, the desired transaction can be carried out. There is no need to carry multiple cards, and the complexity of handling and storing cards can be eliminated.In addition, when making transactions, detailed transaction data of financial institutions other than the one chosen by W&A can be read out. Therefore, the contents of transaction data will not be disclosed to third parties.

The present invention will be explained in more detail below with reference to embodiments shown in the drawings.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 is a block diagram showing the electrical configuration of a tC card which is an embodiment of the present invention.

An IC card is a card that has the same size and shape as conventional magnetic cards such as cash cards and credit cards, and has at least memory such as ROM and RAM, a CPU, and contacts (usually (8 pieces) are built-in.

Conventional magnetic cards have a small storage capacity and are easy to decipher stored information. The characteristics of IC cards are that compared to conventional magnetic cards, they have a larger storage capacity and are highly secure as there is no worry that the stored information will be deciphered by others due to the nonogram that prevents the card from being read out. There is a particular thing. It is also possible for the IC card itself to issue a request on its own initiative.

In FIG. 1, the people output boat 1 is provided with a people output line terminal 5, and the people output boat 1 is provided with a data bus 1.
1 by rcPLJ2. ROM3. and E is combined with AM4. Input/output supported CPU2. ROM3.
Power is supplied to the RAM 4 from a power supply (5v) terminal 6 and a power supply (0■) terminal 7. Further, the input/output board 1 and the CPU 2 are supplied with a clock signal from the switch 8 and a reset signal from the reset terminal 9, and the ROM 3 is supplied with power for rewriting from the power supply terminal 10.

Next, FIG. 2 is a diagram showing the file structure of the transaction data of the own financial institution stored in the storage area of the ROM 3 of the IC card shown in FIG.

Here, the heading table is made up of only the names of the financial institutions with which the transaction is handled, such as AS Bank, CD Bank, etc., among the files of transaction data of the plurality of financial institutions shown in FIG. The content of this transaction data is R from the power terminal 10.
It can be rewritten using the OM rewriting power supply.

Next, FIG. 3 is a schematic block diagram (not showing the electrical configuration) of an IC card terminal device which is an embodiment of the present invention.

In FIG. 3, the IC card reader 12 is inserted into the IC card reader 12.
It is a unit for communicating with the C card, the customer service unit 13 is a unit for communicating with customers using a display, keyboard, etc., and the slip issuing unit 14 issues a slip after receiving withdrawal permission from the center. The withdrawal unit 15 is a unit for disbursing cash to a customer after receiving withdrawal permission.Each of these:
The L unit is connected to the control section 16 by a switcher bus 19, and the control section 16 controls the operation of these units.
n-nru. Further, the control unit 16 includes an online transmission unit 17.
and the center CPU of each bank via the input/output terminal 18.
(not shown).

Next, FIG. 4 is an external perspective view of an IC card terminal device which is an embodiment of the present invention. Figure 4 shows J3 and IC
The main body 100 of the card terminal device has a handling indicator 20 on its vertical surface. An IC card insertion slot 21 and a bill withdrawal slot 22 are provided, and a CRT 23 and a keyboard 24 are provided on its horizontal surface, that is, an operation panel 25. The handling display 20 is for informing the customer of how to handle the terminal device.
Insert the card into the IC; j code insertion 1'' 21. The slip bill outlet 22 is for handing over cash to the customer, and is only heard when withdrawing money. Also, CRT
Reference numeral 23 is a display means for displaying a heading table read from the IC card to allow the customer to select a desired transaction financial institution, and a keyboard 24 corresponds to a desired financial institution among the displayed plurality of financial institutions. It is used to input the number to be sent, the secret F number, and the transaction amount.

Next, FIG. 5 is a diagram showing an example of a heading table display on the CRT 23 and details of the keyboard 24 when an IC card is inserted. In FIG. 5, the CRT 23 has
A table of headings for financial institutions with which to do business is read out from the inserted IC card, and an instruction to select a desired financial institution from the displayed heading table is displayed.

Next, FIG. 6 shows a memory map of an IC card terminal device according to an embodiment of the present invention when displaying an older table.
Id is J3, lp l et AB in the heading table
FIG. 6 is a diagram (not showing a memory map) when a bank is selected and its detailed transaction data is sent to the center;

Next, FIG. 8 is a flow diagram for explaining the specific operation of the IC card terminal device which is an embodiment of the present invention.

Next, the specific operation of one embodiment of the present invention will be explained with reference to FIGS. 1 to 8.

First, the customer prepares an IC card 10 in which transaction data files of multiple financial institutions are written as shown in FIG. Then, the I shown in Figure 1
Power is supplied to each element that makes up the C card, and CII)
The LJ 2 generates a card insertion command based on a program stored in the ROM 3 and sends it to the IC card reader 1 of the IC card terminal device via the human output board 1.
Transmit to 2. The control unit 16 of the IC card terminal device is
It is determined whether the received command is a card insertion command, and if it is a card insertion command, a heading table request command is generated and transmitted to the IC card. Next, I.C.
In the card, the CPU 2 determines whether the command received from the IC card terminal device via the turnout capo-I~1 is a heading table request command, and if it is a heading table request command, it is stored in the ROM 3. Only the heading table of the transaction data file currently being processed is transmitted to the IC card reader 12 of the IC card terminal IN via the input/output port 1, and when the heading table request command is issued (if pressed, C1), U2 is stopped.

At this point, as shown in the memory map of FIG. 6, other detailed transaction data such as the account number is not sent to the IC card terminal. For this reason, each transaction data is stored in the IC card terminal at λ1 and kept secret, and even if someone tries to decipher the contents through the IC card terminal, the transaction data cannot be read out. is impossible.

Next, the IC card terminal device displays the received heading table and financial institution name on the CRT 23 as shown in Figure 5.
etc. will be displayed in the display column. Seeing this display, Yoriyoshi selects the financial institution with which he intends to transact, and then moves to 4--board 2.
4 and enter the number corresponding to that financial institution.

In response, the IC card terminal generates a transaction data request command containing detailed transaction data such as account number for the selected financial institution and transmits it to the IC card. In the IC card, the CPU 2 determines whether the command received from the IC card terminal device via the human output boat 1 is a transaction data request command.
If it is a transaction data request command, detailed transaction data for the selected bank stored in the ROM 3 is transmitted to the IC card terminal device via the human output boat 1.

For example, when the customer selects ΔB Bank, the memory map of AB Bank transaction data received by the IC card terminal device 6 from the IC card via the IC card reader 12 becomes as shown in FIG.

Next, the customer operates the keyboard 24 to input his/her personal identification number and withdrawal amount using the IC card according to the instructions on the handling table 20.
Card river end 1! type in the position. As shown in Figure 7 1,
These inputted information and detailed transaction data read from the IC card are transmitted via the online transmission section 17 to the center CPLI (t!'su in the figure) of each corresponding bank. When the center receives this information, it searches for the ``1'' location in the same way as in the case of conventional cash cards, and further updates the information. And center CP L
When J decides to allow withdrawals, J issues an order to execute the transaction.
Transmit to the C card terminal device.

The control section 16 of the IC card terminal device, which has received this command from the center via the online transmission section 17, issues a withdrawal slip to the slip issuing section 14 and orders the withdrawal unit 15 to withdraw money. The dispensing unit 15 prepares banknotes of the amount specified by the customer, and sends them together with the slip to the slip banknote outlet 22.
and hand it over to the customer.

Furthermore, the IC card completes its role by transmitting the transaction data, turns off the power according to the program, and returns the IC card terminal device to the customer after the transaction is completed, thereby completing the series of transactions. For example, by using an IC card that stores transaction data of multiple financial institutions with which the customer deals, and by displaying only a heading table showing the names of these financial institutions on the IC card terminal at the time of transaction, the customer can You can select the desired gold a1 institution and conduct the transaction. Therefore, the customer only needs to carry one IC card, and since the IC card displays only the header table at the beginning of the transaction, detailed transaction information such as account number etc. It is possible to prevent a situation where a third party reads J: through the uninserted end of the IC card.

[Brief explanation of drawings]

FIG. 1 is a schematic block diagram showing the electrical organization of an IC card. FIG. 2 is a diagram showing an example of a transaction data file stored in the IC card of FIG. 1. ) FIG. 13 is a schematic block diagram showing the electrical arrangement of an IC card terminal device according to an embodiment of the present invention. FIG. 4 is an external perspective view of an IC card terminal device according to an embodiment of the present invention. FIG. 5 is a diagram showing an example of a CRT and a keyboard of an IC card terminal device. Figures 6 and 7 are IC
It is a figure which shows an example of the memory map of a card terminal device. FIG. 8 is a diagram for explaining the operation of the IC card terminal device. In the figure, 1G and input/output capos 1-12 are CPUs. 3 is a ROM, 4 is a RAM, 5 is an input/output line terminal, 6.
7 is a power supply terminal, 8 is a clock terminal, 9 is a power supply terminal, 10 is a power supply terminal for rewriting ROM, 11゜19 is a data bus, 12 is an IC card reader, 13 is a customer service unit]
・, 14 is a slip light unit, 15 is a dispensing unit, 16 is a control unit, 17 is an online transmission unit, 18 is an input/output terminal, 2
0 (Yo handling display, 21 is IC card insertion slot, 22 is slip bill extraction slot, 23 is CR1', 24 is keyboard,
Reference numeral 25 indicates an operation panel, and 100G indicates an IC card terminal equipment body. (2 others) Figure 1 Figure 2 Figure 3 Figure 4 Figure 86 Atsushi 70

Claims (2)

[Claims] (1) An IC card terminal device for communicating with an IC card, comprising a data storage means and a data processing means, the data storage means comprising a storage area for storing financial transaction data of at least a plurality of financial institutions; The terminal device includes a heading table for specifying the plurality of financial institutions, and the terminal device includes: a reading unit for reading the heading table, a display unit for displaying the read heading table, and a desired table from the displayed heading table. An IC card terminal device comprising: a selection means for selecting a financial institution; and a means for not reading financial transaction data of the selected financial institution in response to a selection output of the selection means. (2) The reading means includes means for sending an elder data table request command to the IC card, and the IC card reads the index table in response to the index table request command. Terminal device for IC card described in Section 1.