JPS60229169A - Ic card system - Google Patents

Abstract

PURPOSE:To attain required transaction in any terminal equipment and to improve the efficiency of transaction by storing plural programs for a transaction processing procedure in an IC card as the self-programs of a required order. CONSTITUTION:In the IC card, a CPU1 to be a data processing means is connected to a data storage means ROM2 and a RAM3 through a data bus 4. A storage area storing plural programs for the transaction processing means operating a terminal equipment in a banking organ and executing transaction processing is formed in the ROM2 for a customer to specify a required program. The terminal equipment reads out the specified program in the transaction processing procedure from the storage area in the IC card and a main control part 8 executes the prescribed transaction in accordance with the program in the specified transaction processing procedure. Thus, transaction can be attained by specifying a program even if any terminal equipment is used.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field of the Invention The present invention relates to an IC card system, and more particularly, to a C card that stores a plurality of programs for transaction processing procedures on a terminal device, and a terminal device that communicates with such an IC card. It is related to the cIC power system.

Explanation of Prior Art In general, magnetic cards such as cash cards and credit I cards are used for transactions such as withdrawals, deposits, and transfers using online systems with financial institutions such as banks and credit companies. Widely used. These magnetic cards magnetically store data such as codes for identifying customers.

When trading, do customers own these cards and trade silver? 5, and it is installed there.

The so-called AT~I (AutoIIIatie Te
lIer Machil) and CDs (Cash
Insert your card into a transaction terminal such as a PIN (Dlspenser), and enter the data necessary for the transaction, such as the type of transaction and transaction amount, into the terminal by operating the keyboard or other input means according to the prescribed procedure. do. The encrypted information of the card read by the terminal device and various transaction information entered by the customer into the terminal device are transmitted to the center of each bank, and the center's 77 file is updated according to these information and an instruction to execute the transaction is issued. is given to the terminal device. As a result, various transactions are executed between the customer and the terminal device.

Incidentally, the types of transactions currently performed by online systems include not only withdrawals and deposits, but also transactions that are not frequently used, such as transfers and transfers. Considering the current social situation, it is thought that the types of such transactions will continue to increase in the future. Therefore, as this trend increases, terminal devices such as ATVs must also be equipped with functions and programs that can handle all types of transaction processing, increasing the functional burden on each terminal device. .

Furthermore, since current magnetic cards only have the ability to identify the customer, customers are forced to follow uniform transaction processing procedures required by the terminal equipment every time they make a transaction, which can be difficult for customers to do. This means that the number of selection elements and operation procedures when operating a terminal device increases and becomes more complex.

This increases the operational burden on customers during transactions and may cause confusion for customers, but banks are
Measures are taken such as providing display means such as T on the terminal device to show transaction procedures and selection elements to M customers. However, such auxiliary means have limitations, and there is a problem in that it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, which reduces the efficiency of transaction processing. .

For this reason, it is desirable to store multiple programs for transaction processing procedures in the terminal device, which were conventionally built into the terminal device, but with conventional magnetic cards, the storage capacity is limited to a certain level. There was a problem in that one card could only store the identification information of one financial institution.

OBJECTS OF THE INVENTION Therefore, the main object of the present invention is to solve the above-mentioned drawbacks and to provide an IC card storing a plurality of programs for transaction processing procedures that were conventionally stored in terminal devices,
An IC that is composed of a C card and a terminal device that communicates with the IC card, and that, at the time of a transaction, can select a transaction processing procedure program to be executed from among multiple programs stored in the IC card and execute a desired transaction. The purpose is to provide a card system.

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, RA
M) and a data processing means (CPU), an IC card is provided with a storage area storing a plurality of programs for transaction processing procedures for operating the terminal device of the own financial institution to execute transaction processing, and Sometimes, the customer specifies a program for the transaction processing procedure that he or she wants to execute using the terminal device, and the terminal device reads out the program for the specified transaction processing procedure from the storage area of the IC card, and the terminal device continues to execute the program. It is configured so that a predetermined transaction can be executed according to a transaction processing procedure program.

Therefore, according to the present invention, by using an IC card in which a customer has programmed transaction procedures in the customer's desired order, a customer can conduct a transaction of desired contents using any terminal device, and when making a transaction, The burden on the customer in terms of operation can be reduced, and on the terminal device side,
By transferring multiple programs for transaction processing procedures that were conventionally built into terminal devices to an IC card, it is only necessary to provide the minimum functions necessary for transactions, and there is no need to provide functions for all types of transaction processing. do not have.

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

DESCRIPTION OF THE EMBODIMENTS FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting 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 includes at least memory such as ROM and RAM,
(Usually 8 contacts for communicating with the CPU and terminal device)
It has a built-in.

Conventional magnetic cards have a small storage capacity and are easy to decipher stored information. Compared to conventional magnetic cards, IC cards have a large storage capacity and are highly secure, as they can be programmed so that they cannot be read easily, so there is no need to worry about the stored information being deciphered by others. .

It is also possible for the IC card itself to issue a request on its own initiative.

In FIG. 1, the IC card is provided with contacts 5a to 5h for communicating with a terminal device. Among these contacts, 5b is for data communication between the IC card and the terminal device, and 5d and 5h are for supplying power (0, +5V) from the terminal device to the CPU 1 of the IC card. 5f is for supplying the CPUI clock signal, 5g is for supplying the CPUI reset signal, and 5c is for supplying the power for rewriting the ROM storage content only when rewriting the ROM storage content. Further, 5a and 5e are spare contacts. Furthermore, CPU1, ROM2, and RAM3
are interconnected by data bus 4, and CP
U1 controls the operation of each component.

Next, FIG. 2 is a plan view of an IC card constituting an embodiment of the present invention. In FIG. 2, the IC card body 6
Contacts 5 (contacts 5a to 5 in Figure 1) are located on the front panel of
h), and these contacts are connected to the IC card reader on the terminal device side when the IC card 6 is inserted into the terminal device. Further, the IC card 6 is provided with a display section 7 on which the name of the card holder is displayed by embossing.

Next, FIG. 3 is a diagram showing a memory map of an IC card which is an embodiment of the present invention. In FIG. 3, first, an ID mark unique to the transaction bank and data identifying the transaction account such as bank number and account number are stored, and then,
A storage area is provided for temporarily storing the program number specified by the terminal device, and a plurality of stored programs consisting of transaction processing procedure programs follow.

Next, FIG. 4 is a schematic block diagram showing the electrical configuration of an IC card terminal device that communicates with the IC card that constitutes one embodiment of the present invention shown in FIGS. 1 to 3.

In FIG. 4, the IC card reader 9 is inserted into the IC card reader 9.
The CRTlo is a unit for communicating with the CPU 1 of the C card via the contact 5b, the CRTlo is a unit for displaying transaction procedures and the fact that a desired program should be selected to the customer, and the keyboard 11 is a unit for displaying the PIN number and payment information. This is a unit for customers to communicate with the center when inputting billing amounts, etc. It is a unit that allows customers to communicate with the center when inputting billing amounts. Reference numeral 12 is a unit for issuing a slip upon receipt of withdrawal permission from the center, and a bill dispensing machine 13 is a unit for paying cash to a customer. Each of these units is connected to the main control section 8 via an internal data bus, and the main control section 8 controls the operations of these units. Furthermore, the main control section 8 is connected to the line control section 14.
and the center CPU of each bank via the input/output terminal 15.
(not shown).

Next, FIG. 5 is an external perspective view of the IC card terminal device shown in FIG. 4. In FIG. 5, the main body 16 of the IC card terminal device has an IC card insertion slot 1 on its vertical surface.
A CRT 19 and a keyboard 2 are provided on the horizontal surface, that is, the operation panel.
0 is set. The IC card insertion slot 17 is for a customer to insert an IC card during a transaction, and the slip bill extraction slot 1B is for handing over cash and slips to the customer when withdrawing money, and is opened only when making a payment. ing. Further, the CRT 19 is used to display to the customer the operating procedure and the selection of a desired program, etc., and the keyboard 20 is used to input a personal identification number and a billed amount.

Next, FIG. 6 is a flow diagram for explaining the specific operation of the IC card system 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 6.

First, a customer goes to his or her own bank with an IC card constituting an embodiment of the present invention shown in FIGS. 1 to 3. Next, the customer inserts his or her IC card into the IC card insertion slot 17 of the IC card terminal device provided at the bank (step (S) 1.14). Then,
Power is supplied to each element constituting the IC card shown in FIG.

Next, in the IC card, the CPU 1 inputs data identifying the financial institution with which the IC card is transacted, such as the In mark, bank number, and account number, and data identifying the transaction account, as shown in the memory map of FIG. are sequentially outputted from the ROM 2 and transmitted to the IC card reader 9 of the terminal device via the contact 5b (S15).

Next, when removing the terminal i1, the IC card reader 9
ID transmitted from the IC card via contact 5b
Mark, silver number, mouth J! ! ! Data such as a number is received (S2). Then, the main control unit 8 determines whether or not the data identifying the financial institution with which the terminal device belongs, such as an ID mark, matches the identification data unique to the financial institution to which the terminal device belongs (among these received data). S3). As a result, if the ID marks do not match, the main controller 8
9 to display a message to the effect that [this card cannot be used] to notify the customer that the transaction is not possible (812), and then return the IC card to the customer to complete the transaction. Further, if the ID cards match, the main control unit 8 determines that the transaction can be continued, generates a transaction permit message, and sends it to the IC card (S4).

Next, on the IC card side, the CPU 1 determines whether a transaction-enabled message has been received (816). Then, if a transaction-enabled message is not received, the transaction ends.

Next, in the terminal device, the main control unit 8 selects a program for the desired transaction processing procedure and sends an instruction to the CRT to manually input the key.
19 to notify the customer (S5). Customer is CRT
19, the user inputs the program number corresponding to the transaction processing procedure he or she wishes to execute into the terminal device using the keyboard 20 (S6). This input program number is sent to the CPL II of the IC card via contact 5b.
(S7).

Next, on the IC card side, CPLJI determines whether or not a program number has been received (817) and temporarily stores the received program number in the storage area shown in FIG.
8), furthermore, CPLll judges whether the stored program corresponding to this stored program number exists in the storage area in ROM 2 (819), and if the corresponding program does not exist in ROM 2, the transaction is not executed. If the program ends and the corresponding program exists, CPLJl reads the corresponding stored program and sends it to the terminal device (820>. The IC card ends its role by sending this message.

Next, on the terminal H1 side, the main control unit 8 determines whether or not the corresponding stored program has been received (S8). As a result, if the corresponding stored program is not received, the main controller 11 8 causes the CRT 19 to display a message to the effect that ``This card cannot be used to process this transaction'' to inform the customer that the transaction is not possible. 513), the IC card is returned to the customer, and the transaction is completed. Moreover, if the corresponding storage program is received, the terminal device temporarily stores the received storage program of the transaction processing procedure (S9), and thereafter the terminal device executes transaction processing such as withdrawal, deposit, transfer, etc. according to this program. It is possible (810).

Further, when the execution of the transaction process is completed, the IC card is returned to the customer (811), thereby completing all transactions.

As described above, according to this embodiment, a plurality of programs for uniform transaction processing procedures, which were conventionally built into a terminal device, are stored in the IC card as programs in the desired order of the terminal device. The device only needs to have the minimum functions necessary for transactions, and with just these, the terminal device can handle all kinds of transaction processing.

In addition, customers can use any terminal device to conduct transactions with predetermined details stored in their IC cards.
Transaction efficiency can be improved.

[Brief explanation of drawings]

FIG. 1 is a schematic block diagram without showing the electrical configuration of an IC card constituting an embodiment of the present invention. FIG. 2 is a plan view of an IC card according to an embodiment of the present invention. FIG. 3 shows an I constituting an embodiment of the present invention.
FIG. 3 is a diagram showing a memory map of a C card. FIG. 4 is a schematic block diagram showing the electrical configuration of an IC card terminal device constituting an embodiment of the present invention. FIG. 5 is an external perspective view of the IC card terminal III shown in FIG. 4. FIG. 6 is a flow diagram for explaining the transaction processing of the 1c card system which is an embodiment of the present invention. In the figure, 1G; tcPU12 is ROM, 3 GL
RAM, 4 is the data bus, 5 is the noodles, 6 is the IC card body, 7 is the display section, 8 is the main control section, 9 is the IC card reader, 10.19 is the CRT, 11.20 is the keyboard,
12 is an IL issuing machine, 13 is a banknote ejection machine, 14 is a line control unit, 15 is an input/output terminal, 16 is an IC card terminal device main body, 17 is an IC card insertion slot, and 18 is a slip banknote output port. . Patent applicant Tateishi Electric Co., Ltd.

Claims (2)

[Claims] (1) An IC card system consisting of an IC card used for financial transactions and a terminal device that communicates with the IC card, the IC card having a storage area storing a plurality of programs for transaction processing procedures. The terminal device further includes a program specifying means for specifying a transaction processing procedure program to be executed from among the plurality of programs, and the IC card is further stored in the storage area. An IC card system comprising program sending means for reading out a program specified by the program specifying means from among the plurality of programs and sending it to the terminal device. (2) Each of the plurality of programs includes data specifying the program, and the program specifier IQ includes take input means for inputting data specifying the program of the transaction processing procedure to be executed; According to claim 1, the program sending means includes a program successive means for reading out a program including data matching the input data from among the plurality of programs stored in the storage @ area. Section I
C card system.