JPS61134875A - Ic card transaction system - Google Patents

Abstract

PURPOSE:To prevent release of data among banks by transmitting only data corresponding to bank data inputted by a transaction processing unit in case of transaction to the transaction processing unit. CONSTITUTION:A transaction kind and bank number data are inputted from the ATM at first and the transaction kind and bank number data are set to a prescribed area. Whether or not the bank number exists a bank operation procedure table index IM is discriminated and a head address of the first procedure of the procedure group stored in correspondence to the bank number in the index IM is searched out of the operation procedure table MA. A transaction type data is assigned respectively to each procedure (procedures 1-7). The transaction kind data is transmitted to the ATM. Then the head address of the retrieved procedure is set to a pointer and the transaction data corresponding to the operating procedure is transmitted to the ATM.

Description

DETAILED DESCRIPTION OF THE INVENTION Technical Field This invention relates to an IC card transaction system that allows transactions to be carried out using an IC card.

BACKGROUND OF THE INVENTION IC cards with an IC embedded therein 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.

(e) Purpose of the Invention The purpose of the present invention is to utilize the characteristics of the IC card as described above to enable the IC card itself to memorize the operating procedure of a transaction processing device, and to store multiple operating procedures for each bank. In addition, at the time of a transaction, only the data corresponding to the bank at that time is sent to the transaction processing device, making it possible to make transactions with multiple banks with one card, and also transmitting data at the time of transaction. To provide an IC card transaction system that prevents unnecessary data from being included in a card.

(d) Structure and Effects of the Invention To summarize, the present invention has an operation procedure table that stores, for each bank, operation procedures of an ATM, etc. and transaction data that can be written by accessing from an external data input device. Furthermore, when performing a transaction, only data corresponding to the bank data input by the transaction processing device is transmitted to the transaction processing device.

With this configuration, according to the present invention, it is possible to conduct transactions with multiple banks using one IC card, which is very convenient for the card holder, and also has the advantage that card management is easy for the bank side. . Additionally, since the operating procedure data of other banks is not transmitted during transactions, there is no need for the transaction processing device to classify its own data, and data leakage between banks can be prevented. effective.

(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 CB 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 CI, C3 and C5 are spare terminals.

FIG. 4 is an external view of a card holder which is an example of an external data input device. This card holder can accept the IC2 and write transaction data into the ROM21. ] The card holder main body 1 is made of plastic, and its size is as described above.
It is almost the same as the C card. The surface of the card holder body 6 includes a numeric keypad 7, a liquid crystal display 8. A solar battery cell 9 is arranged. The numeric keypad 7 is used when writing transaction data etc. into the ROM 21 of the IC card. The display 8 displays input data and the like. 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 1° is provided on the side of the card holder main 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 structure 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 pins connected to the contact terminals C4 and CB. Further, a clock circuit 32 is 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 ATM (automated teller machine) 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 CRTw 1111 section 13 performs display control on the CRT 24 (7). 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 . The line control unit 17 performs transmission control with a center equipped with a large-capacity data file.

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 starting addresses of each procedure are stored in order so that steps 12, 29, and 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 operating procedures are stored in order from step 1, and the start address of each procedure is stored in the table index IM in correspondence with the bank number as described above. a-1
is the operating procedure, and A-C is the transaction data. Transaction data A
-C can be written using the card holder mentioned above. Also, the axi procedure 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, step f “Press the transfer destination”
The transaction data corresponding to is 1234567, and the * (fixed information mark) added to the operation procedure storage column indicates that this transaction data is fixed information.

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

IC card 1 is connected to card holder body 6 or AT, M
When a start command is input from the key 7 or 25, the process proceeds from step nl (step ni is simply referred to as nl) 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. Please note that the input data is ATM
Or because the card holder's IDNa is added,
The IC card knows which type of input data it is by checking this ID1k.

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, data on the transaction type and bank number are entered into the buffer BF, and after waiting for the enter key to be pressed, the process proceeds from n5 to n6. Set address to pointer. For example, when 11234 is input to the buffer BF as shown in FIG. 1, the address where "Press code" in step 1 is stored is set in the pointer. Next, nl displays the contents of the operation procedure for the address specified with the pointer, n8 determines whether a fixed information mark (*) is added to the operation procedure, and further n9 specifies the address specified with the pointer. Determine whether transaction data corresponding to the current operating 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 are executed again.If it is "END", it ends at that point.Also, at n8.n9, the fixed information mark is If there is no input data and there is no data that has been input, proceed to n14.In this case, the key manual data will be stored as is in the transaction data storage area corresponding to the operation procedure currently specified by the pointer.n15). Wait for the key to be pressed (n16) and proceed to n17.Also, if there is no fixed information mark in n8 and n9 but there is input data, proceed to n10 and display the input data that has already been input. At this point, the operator is asked whether or not the entered data is OK.If the operator decides that it is OK, the operator presses the key marked with *.This key is It is included in the card holder's input key-7.ri1
If it is determined that the * key has been pressed in step 2, proceed to n17,
Move on to processing for the next operating procedure. *If it is not a key, n
Proceeding to step 13, 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.

Incidentally, in the above n7 and nlO, it is not the IC card but the display 8 of the card holder that displays the data.

The IC card simply sends its display data to the card holder.

Next, the flowchart shown in FIG. 8(B) will be explained.

[Detailed description of the invention]

If the data input at n1 is the input data from the ATM, the process proceeds from n2 to n20, and the flowchart shown in FIG. 8(B) is executed. First, the transaction type and bank number data are input from the ATM side (n20), and the transaction type and bank number data are sent to a predetermined area (n20).
21). Next, in n22, it is determined whether the bank number is in the bank operation procedure table index TM. 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). In n24, the transaction type data is A
Send to TM. For example, if the transaction type data of procedure 1 is 1 and the procedure retrieved in r123 is procedure 1, then the transaction type data transmitted to the ATM in n24 is 1. Subsequently, in f125, 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 ATM. 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.

As a result of the above operations, only the multiple operating procedures and transaction data for each bank stored in the operating procedure table are automatically searched and sent to the ATM from 14' onwards, corresponding to the bank set in n21. Sent.

[Explanation of operations other than characteristic parts]

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 ATM. 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 ATM side in 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. The determination as to whether a new procedure is required is made by determining whether the transaction type data is new. If it is a new procedure, a new address of the operation procedure table MA is set in the pointer at n44, and the data sent at n46 is stored at n48.

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. Note that the starting address of the new procedure storage area is stored in the area of the table index IM 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. Also, if there is already a step positive in n43 above, n45
Proceed to and set the start address of the existing step in the pointer. Subsequently, the data successively sent from n46 to n4B are stored until ETX is sent. That is,
This action will result in an update of the procedure.

In this example, a card holder was used as an external data input device, but data input devices such as computers can also be used.
I-force devices can also be used.

[Brief explanation of the drawing]

Fig. 1 is a diagram showing the operation procedure table stored in the IC card, Fig. 2 is an external view of the IC 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 IC 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 IC 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 for each bank, which can be written by accessing the transaction processing device, and includes means for transmitting only the data stored in the table corresponding to the bank data input by the transaction processing device to the transaction processing device. An IC card transaction system characterized by: