JPS61134871A - Ic card transaction system - Google Patents

Abstract

PURPOSE:To relieve a file load of the center side by allowing an IC card itself to discriminate whether the procedure transmitted from the center is a new procedure or an old procedure to apply registration processing to a memory. CONSTITUTION:When inputted data is an operation procedure load request transmitted from the center, the processing for storing the operating procedure in a table MA is executed. Whether or not the procedure transmitted at first is stored already is discriminated. Since the procedures 1-7 are stored already, when a procedure No other than them is given, it is regarded as a new procedure No. and a new address of the operating procedure table MA is set to a pointer and transmitted data is stored. Further, a head address of new procedure storage area is stored in an area corresponding to a tank under service at present in the table index IM.

Description

DETAILED DESCRIPTION OF THE INVENTION +a) Technical Field The present invention relates to an IC card transaction system that allows transactions to be carried out using an IC card.

(Middle) Background of the Invention IC cards with an IC embedded inside them have the potential to become widespread in the future as intelligent cards that have their own processing capabilities. The IC card is a conventional MS card (a card with a magnetic stripe surface)
The major difference is that the IC card itself has intelligent functions and can have a very large storage capacity.

(C) Purpose of the Invention The purpose of this invention is to utilize the above-mentioned characteristics of an IC card to enable the IC card to memorize the operating procedures of a transaction processing device, and to enable the IC card to memorize the operating procedures of a transaction processing device. In addition, the IC card itself can determine whether the procedure for the product sent from the center is the old procedure or the new procedure, thereby reducing the file management burden on the center side.
Our objective is to provide a C card transaction system.

(d) Structure and Effects of the Invention In summary, the present invention has an operation procedure table in which an IC card stores operation procedures of an ATM or the like and transaction data that can be written by accessing from an external data input device; means for determining whether or not the procedure sent from the transaction processing device when receiving an operation procedure load request during transaction execution is already stored in the table; When the procedure is stored in a new table area, the procedure is stored again in the storage area when it has already been stored.

With this configuration, according to the present invention, when developing a new financial product, etc., the IC card itself determines whether the procedure sent from the center side is a new procedure or an old procedure, and selects only the new procedure. Since the data is registered in the memory, the file load on the center side is reduced.

+e) Embodiment FIG. 2 is an external view of an IC card. plastic I
An IC 2 is embedded inside the C card, and a plurality of connectors 3 connected to the IC 2 are exposed and formed on the surface of the card. Further, an emboss 4 is formed on the front surface, and a preliminary magnetic stripe 5 is formed on the back surface.

As shown in FIG. 3, the IC 2 includes a CPU 20 and a ROM 21 consisting of an electrically writable and erasable EEFROM.
and a RAM 22 used for work. The CPU 20 receives power supply from the terminals C4 and C8 of the connector 3, and receives a clock from the terminal C6. It also receives a reset pulse from terminal C7 and transmits data (serial data) via terminal C2. Terminals C1, C3 and C5 are spare terminals.

Figure 4 shows a card that is an example of an external data input device.
FIG. 1 is an external view of the first card holder. This card holder can accept the IC2 and write transaction data into the ROM21.

The card holder body 1 is made of plastic and has approximately the same size as the IC card. The surface of the card holder body 6 includes a numeric keypad 7, a liquid crystal display 8. solar cell 9
is installed. Numeric keypad 7 is IC card ROM2
It is used when writing transaction data etc. to 1. Display 8
displays input data, etc. The solar battery cell 9 constitutes the power source of the card holder itself, and also supplies power to the IC card when the IC card is stored. An IC card insertion slot 10 is provided on the side of the card holder body 6. The IC card is inserted through this IC card insertion slot 10 and is inserted into the interior.

A storage section for storing the IC card is provided inside the card holder main body 6, and a contact terminal for contacting the terminal 3 of the IC card is attached within this storage section.

FIG. 5 is an internal block diagram of the card holder. The contact terminals 30 have the same configuration as the terminals of the connector terminals 3 of the IC card. The solar cell 9 is connected to the contact terminals C4 and CB, and the CPU 31 receives power supply from the bin connected to the contact terminals C4 and CB. A clock circuit 32 is also connected to the contact terminal C6, and the CPU 31 receives a clock from the pin connected to the contact terminal C6. C
PU31 further sends out a reset pulse from contact terminal C7. Further, data is serially transferred to and from the IC card via the contact terminal C2. 33 is a ROM that stores a program that defines the operating procedure of the card holder, and 34 is a RAM that includes a data work area and the like.

FIG. 6 is a schematic external view of an ATV (automatic teller service @) equipped with an IC card reader. On the front of the main body 23 is a CRT 24 that displays messages, etc. (operating procedures, etc.)
, input key 25 for entering numerical values etc. necessary for transactions, IC card insertion slot 26 for inserting an IC card, passbook insertion slot 27
, a bill insertion slot 28 for inserting bills in the deposit mode, etc., a bill ejection port 29 for receiving bills in the payment mode, a call button 30 to call an attendant in case of an abnormality, and an attendant key 31 that can be operated by the attendant. ing.

FIG. 7 is a block diagram of the control section of the ATM. The main control section 11 includes an IC card reader 12, a CRT control section 13,
Key control unit 14, passbook printing machine 15, banknote deposit/withdrawal control unit 1
6. Control each line control unit 17. Each element is divided into blocks and constitutes a master-slave control system with the main control section 11. The IC card reader 12 is I
It accesses the IC card input through the C card insertion slot 26 and reads and writes operating procedures, transaction data, etc.

The CRT control unit 13 controls the display of the CRT 24. The key control unit 14 receives input data operated by the input key 25 and sends it to the main control unit 11. The passbook printing machine 15 prints transaction data, etc. on the passbook inserted into the passbook insertion slot 27, and also reads recorded data of the passbook. The banknote deposit/withdrawal control unit 16 controls the deposit of banknotes inserted into the banknote insertion slot 28 and controls the withdrawal of banknotes to the banknote discharge port 29 . Line control section 17
controls transmission between the center and the center that has large-capacity data files.

FIG. 1 is a partial configuration diagram of the ROM 21 included in the IC2. BF constitutes an input data buffer. The input data includes, for example, a transaction type and a bank number. In the example shown in the figure, input data in which the transaction type is 1 and the bank number is 1234 are stored. Area IM constitutes a bank operation procedure table index. 1234,2345.
Each serial number of 3456 is a bank number. In the case where the bank number is 1234, the first address where each procedure is stored is stored in order so that step 12, step 22, and step 3 are executed respectively. Similarly, when the bank number is 3456, the start addresses of the areas for storing steps 6 and 7 are stored in order. Area MA constitutes an operation procedure table that stores operation procedures and transaction data for the transaction processing device. The operation steps are stored in order starting from step 1, and the start address of each step is stored in the table as described above.
It is stored in the 1DEX IM in correspondence with the bank number. a-, -i are operating procedures, and A-C are transaction data. Transaction data A-C can be written with the above-mentioned card holder. Further, the procedure a-i is automatically written from the center via ATM. Writing of transaction data is performed under the control of the IC card itself, as will be described later. In the illustrated example, transaction data corresponding to the operating procedure d, "Press the code" and the operating procedure e, "Press the amount" are not stored. Also, the transaction data corresponding to step f "Press transfer destination" is 1234567, but this transaction data is shown to be fixed information by the * (fixed information mark) added to the operation procedure storage column. .

FIGS. 8(A) and 8(B) are flowcharts showing the operation of the IC card.

When the IC card 1 is inserted into the card holder body 6 or the ATM card reader 2 and a start command is input from the key 7 or 25, step nl (step ni
is simply called ni) and proceeds to n2. The input data is passed as is to the IC card, and the IC card determines whether the input data is from the ATM or the card holder. Note that since the IDNa of the ATM or card holder is added to the input data, the IC card knows which type of input data it is by checking this IDPlkL on a daily basis.

If the input data is data from the card holder, the process proceeds from n2 to n3. After n3, transaction data is set from the key 7 of the card holder to the operation procedure table MA. First, at n4, the transaction type and bank number data are entered into the buffer BF, and after waiting for the enter key to be pressed, the process proceeds from n5 to n6. At n6, a predetermined address of the operation procedure table based on the data input to the buffer is set in the pointer. For example, when 11234 is input to the buffer BP as shown in FIG. 1, the address where "Press code" in step 1 is stored is set in the pointer. Next, at n7, the content of the operation procedure for the address specified with the pointer is displayed, at n8 it is determined whether a fixed information mark (*) is added to the operation procedure, and further at n9, the contents of the operation procedure for the address specified with the pointer are displayed. Determine whether transaction data corresponding to the operation procedure has already been entered. If fixed information mark is added, n
The process advances to step 17, where the pointer is advanced by one and the operation procedure table address is updated. That is, in the above example, the address set in the pointer is the address of the area where "Press amount" is stored. At n18, it is determined whether the content of the address specified by the pointer is "END", and if not, the steps from n7 onwards are executed again. END”, it ends at that point.Also, if there is no fixed information mark in n8 or n9 and there is no input data, proceed to n14.In this case, the key manual data is left as it is and specified with the current pointer. Store the transaction data in the storage area corresponding to the operating procedure being performed (n15), wait for the enter key to be pressed (n16), and proceed to n17.Also, in n8 and n9, there is no fixed information mark, but there is already input data. If so, proceed to nlo and display the input data that has already been input.At this point, the operator is asked whether the input data is OK.If the operator decides that it is OK. Sometimes, the operator presses the key marked with *. This key is included in the input key-7 of the IC card holder.n12
If it is determined that the * key has been pressed, the process advances to n17 to proceed to processing for the next operating procedure. *If it is not a key, n1
3, the newly inputted data is stored replacing the inputted data displayed at n10. Thereafter, steps n14 to n16 described above are executed, and data from the input key is stored at the same address until the enter key is operated, at which point the process proceeds to n7.

As described above, desired transaction data can be written into the transaction data storage area without the fixed information mark. Furthermore, if the input data has already been stored, the data can be saved simply by operating the * key. In addition, in the above n7 and nlo, it is the display 8 of the card holder, not the IC card, that displays the data. The IC card only sends its display data to the card holder.

Next, the flowchart shown in FIG. 8(B) will be explained. If the data input at n1 is the input data from the ATV, the process proceeds to n2-=n20, and the flowchart shown in FIG. 8(B) is executed. ATM first
Transaction type and bank number data are input from the side (n20)
, its transaction type, and bank number data are set in predetermined areas (n21). Next, in n22, it is determined whether the bank number is in the bank operation procedure table index IM. If there is, execute n23 and subsequent steps; if not, terminate. At n23, the start address of the first procedure of the procedure group stored in the index IM corresponding to the bank number is searched from the operation procedure table MA. Transaction type data is assigned to each procedure (in the example shown in FIG. 1, procedures 1 to 7). At n24, the transaction type data is transmitted to the ATM. For example, if the transaction type data of procedure 1 is 1 and the procedure searched at n23 is procedure 1, then the transaction type data transmitted to the ATM at n24 is 1. Subsequently, in n25, the address of the operation procedure table MA is set in the pointer. That is, the start address of the searched procedure is set in the pointer. At n26, transaction data corresponding to the operating procedure set in the pointer at that time is transmitted to the ATV. For example, if the pointer is set to the address of the operation procedure "Press the code" at the start address of procedure 1, data 1234 is transmitted. In step n27, it is determined whether the transaction data has a fixed information mark. Otherwise, erase the input data sent by n2B. This is done to increase the security of transaction data. If the data has a fixed information mark attached, the process proceeds to n29 without erasing the data, and the pointer is updated to the address of the next operating procedure. At n30, it is determined whether the operation procedure is END, and if not, the process goes to n26 again and the transaction data is transmitted to the ATM. When the operation procedure reaches END, proceed to n40.

[Detailed description of the invention]

At n40, the next data input is waited, and at n41, it is determined whether the input data is an operation procedure load request sent from the center via the ATV. Otherwise, exit. If it is an operation procedure load request, the process advances to n42 and executes processing for storing the operation procedure sent from the A and TM sides in the table MA. It is determined in n43 whether the first procedure sent is already stored. In the example shown in FIG. 1, steps 1 to 7 have already been stored, so any other step floor is assumed to be a new step step and the process proceeds to n44. Furthermore, new procedure M
This determination is made by determining whether the transaction type data is new. If it is a new procedure, n
At step 44, a new address of the operation procedure table MA is set in the pointer, and at step n48, the data sent at n46 is stored.

The data sent here is data indicating the operating procedure, and is the operating procedure data stored in the area a-%-i shown in FIG. At the same time, the top address of the new procedure storage area is also stored in the table index IM in the area corresponding to the bank currently receiving service. Steps n46 to n48 are repeated until the input data becomes ETX (data indicating the end), and the process ends when ETX is input. Further, if the procedure floor already exists in n43, the process advances to n45, and the start address of the already existing procedure tooth is set in the pointer. Subsequently, in steps n46 to n48, successive data is stored until ETX is sent. That is, in this operation, the procedure is updated.

As described above, if there is a request to load the operating procedure from the ATM side during transaction execution due to the operation of n40 or below, it is determined whether the operating procedure sent after that is the old procedure or the new procedure, and if it is the new procedure, the new procedure is updated. If it is an old procedure, it can be stored in the table address where the procedure is stored.1.Although a card holder was used as an external data input device in this embodiment, data from a personal computer, etc. Human powered devices can also be used.

[Brief explanation of drawings]

Fig. 1 is a diagram showing the operation procedure table stored in the IC card, Fig. 2 is an external view of the RC card, Fig. 3 is a block diagram of the IC, Fig. 4 is an external view of the card holder, and Fig. 5 is an external view of the RC card. A block diagram of the card holder, Figure 6 is an external view of the ATM, Figure 7 is a block diagram of the ATM control unit, Figures 8 (A), (
B) is a flowchart showing the operation of the rc card. MA-Operating procedure table.

Claims (1)

[Claims] (1) It includes an IC card with an IC embedded therein, and a transaction processing device connected to a center and having a card reader that accepts the IC card; has an operation procedure table that stores transaction data that can be written by accessing the transaction processing device, and when an operation procedure load request is received during transaction execution, the procedure sent from the transaction processing device side is already stored in the table. and means for storing the procedure in a new table area if it is a procedure that has not yet been stored as a result of the determination, and re-storing it in the storage area if it has already been stored. An IC card transaction system comprising: