JPS61269772A - Transaction system - Google Patents

Abstract

PURPOSE:To execute a transaction even at an off-line time by providing a means to execute the transaction by the on-line of the portable media and an external device and a means to execute the transaction by the amount information of the portable media at the time of the off-line transaction. CONSTITUTION:A user inserts an IC card into a paying device, and inputs a pass word number by an operating part 59 in accordance with a guide. When those are coincident with each other, a main control part 70 judges that the transaction with the corresponding account can be executed at a central processing unit 75, and executes the transaction processing in accordance with the supplied transaction data. When the paying device is the off-line which cannot connect the line with a central processing unit 75, a main control part 70 reads the amount information from the data memory in the IC card, controls a paying mechanism 62, etc., in accordance with the amount information and the supplied transaction data and executes the transaction processing such as the receiving processing or the paying processing. A CPU in the IC card renews the amount information to the amount extracting the transaction amount, records the transaction amount and the transaction data to the data memory in the IC card and outputs the transaction completion to the main control part 70.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention relates to personal computers used for home banking systems in general stores, homes, and financial institutions, or automated transactions used to save labor at counter operations. 'Relating to trading methods such as @places.

[Technical background of the invention and its problems] Conventionally, automatic transaction devices or home banking systems in financial institutions have used cards with magnetic stripes as transaction media. However, in such a case, the storage capacity of the magnetic stripe (7
2 characters) is small.

Therefore, only the minimum necessary information including the account number for one financial institution is stored.

Therefore, in conventional transaction devices, based on the account number of the magnetic slave, the account number is stored in the host computer by online connection with the host computer of the bank connected via the line. A transaction is performed in which a customer checks their deposit balance and purchases products within the balance.

With such devices, transactions could only be conducted during the hours of operation (during business hours) when the computer was online connected to the bank's host computer. For this reason, there was a drawback that no transactions could be made outside of business hours even though there was a deposit.

[Object of the invention] This invention was made in view of the above circumstances, and its purpose is to connect external devices even during off-line hours.
The objective is to provide a transaction method that allows transactions to be carried out.

[Summary of the Invention] In order to achieve the above object, the present invention allows offline transactions with external devices to be conducted using amount information on the portable medium.

[Embodiment of the Invention] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows a depositing and dispensing device according to the present invention. That is, this deposit/withdrawal device 51 has an L-shaped operation section 53 formed on the customer service side of the main body 52. The vertical panel section 53a has a passbook insertion slot 54, a card insertion slot 55, and a slip issuing slot 56, and the horizontal operation panel section 53b has a deposit and withdrawal slot.

A deposit/withdrawal port (currency handling port) 57 which also serves as a gate, an operation section 59 having a plurality of operation buttons 58, and a guide display section, that is, a CRT display section 60 are provided.

Also, inside the main body 52, there is a passbook reading/printing device (not shown) that accepts a passbook inserted through the passbook insertion slot 54, reads and records its magnetic information, and prints transaction details, and a passbook reading/printing device (not shown) that accepts a passbook inserted through the passbook insertion slot 54, reads and records the magnetic information, and prints transaction details. A unit (not shown) incorporating a card processing device 161 that reads and writes to the inserted IC card 1 (described later) and a slip issuing device that issues slips from the slip issuing port 56/\ and creates a copy journal. is provided. Further, the main body 52 houses a deposit/withdrawal mechanism 62 having functions for depositing and returning forgotten banknotes, collecting forgotten banknotes, loading and inspecting them, and an internal monitor device 63.

FIG. 2 schematically shows the electrical circuit.

That is, the main control section 70 controls the entire system.

The main memory 71 is composed of, for example, a ROM (read-only memory), and is configured to store control programs and the like. The main control section 70 includes the operation section 5
9, a signal from the card processing device 61, a signal from the deposit/withdrawal mechanism 62, and various signals from the bankbook reading/printing device 72 to perform deposit/withdrawal processing. The main control section 70 performs transaction processing such as depositing or withdrawing money in accordance with transaction data from the operation section 59.

Further, the main control section 70 drives a printing mechanism (not shown) in the passbook reading/printing device 72 according to print data, and also drives a printing section (not shown) in the slip issuing device 73. Furthermore, the main control section 70 is configured to perform data transmission with the central processing unit 75 via a modem 74 and a line 79 when on-line. The central processing unit 75 includes a modem 76 that controls data transmission;
It consists of a host computer 77 that controls data processing, and a transaction information file 78 that stores transaction information for each transaction deposit account.

As shown in FIG. 3, the IC card 1 is provided with a magnetic stripe 11 and a connecting portion 2 on its surface. The connection section 2 includes, for example, a plurality of terminals 2a,
...2h. Terminal 2a above is for operating power supply voltage (+5V), end f20 is for grounding, terminal 2
C is for a clock signal, terminal 2d is for a reset signal, terminals 20 to 2g are for data input/output, and terminal 2h is for a power supply voltage (+21V) for data writing.

Account numbers and the like are recorded on the magnetic stripe 11. Data is written to and read from the magnetic stripe alignment 11 as necessary.

Also, inside the IC card 1, as shown in FIG. 11), amount information and data having the same value as cash are recorded, and the data memory 4 is composed of EEPROM or PROM, the interface circuit 5, the data RA for processing
It is composed of an M6 and a password verification section 7. Each of the above parts is composed of an IC chip and is provided on one substrate. Further, the interface circuit 5 and the connection section 2 are wired. The password verification section 7 verifies whether the password supplied from the outside and the password in the data memory 4 match. The above amount information is
When online connection is made to a host computer (not shown), the funds are transferred from the corresponding deposit account in advance. The above amount information is within the scope of the deposit, that is, all or part of the amount in the deposit account is transferred, and the upper limit is set to a certain amount, or the amount is determined depending on the creditworthiness of the card user. It looks like this.

Additionally, if the above amount information is less than the upper limit amount, you will be prompted to return to the original amount when you connect online.

FIG. 5 shows the configuration of the main parts of the card processing device 61. As shown in FIG. That is, a transport path 31 is provided for transporting the IC card 1 inserted from the card insertion slot 55. The transport path 31 is provided with a plurality of pairs of rotatable transport rollers 32, which are positioned so as to sandwich the IC card 1 from above and below when transporting it. The pair of transport rollers 32 are provided along the transport bus 31 at equal intervals. The distance from the center of each of these transport rollers 32 to the center of an adjacent transport roller 32 has a width dimension in the card transport direction.

Therefore, the transport bus 31 for the IC card 1 is defined by the transport guide 33.

Further, a magnetic head 35 for reading or writing data to the magnetic stripe 11 of the IC card 1 is provided on the transport guide 33 .

Further, a reader/writer 34 for exchanging data with the CPU 3 in the transaction card 1 is arranged downstream of the magnetic head 35 on the conveyance guide 33. This reading/writing device 34 is electrically connected to the connecting section 2.

FIGS. 6 and 7 show a home banking system as a terminal according to the present invention.

This shows the configuration of an IC card handling unit 110.

This IC card handling machine 10 is installed in a general store, for example. That is, 11 is a CPU (central processing unit) that controls the whole, 12 is a keyboard for inputting data, and 13 is a CRT.
A display device, 14 a ROM (read only memory) in which a control program is stored, 15 a RAM (random access memory) in which data is stored, and 16 a dot printer that outputs various print data. , 17 is a floppy disk device for storing and reproducing data on a floppy disk 19 inserted from the floppy disk insertion slot 18, and 20 is a card insertion slot 2.
A transaction card reading/writing unit 24 reads data from the magnetic stripe and memory in the IC card 1 inserted from 1 and writes data to the magnetic stripe and memory; An interface 41 is used for online connection with the central processing unit 75, and a customer input section 41 is used by the customer to enter a password and the like. The IC card reading/writing section 20 and the customer input section 41 are for operation by the customer, and the other sections are for operation at the store, for example.

As shown in FIG. 8, the customer input section 41 includes a numeric keypad 42 for entering a PIN, a correction key 43 that is inserted when making a correction during the password input, and a number of digits of the PIN that the user wishes to input using the numeric keypad 42. It is composed of an input digit number display section 45 to display, a password input display 46 to notify when the password is input, and a wrong password display 47 to notify if the password is incorrect, and is connected to the transaction card reading/writing section 20 by a cable 23. It is now possible to do so. The password input digit number display section 45 is composed of, for example, four LEDs.

The transaction card reading/writing section 20 is connected to the main body of the card handling machine 10 by a cable 22. That is, like the main parts of the card processing device 61,
It is constructed as shown in FIG.

Next, in such a configuration, the transaction system of the present invention will be explained with reference to the flowcharts shown in FIGS. 9(a) and 9(b). For example, right now, a customer is using the deposit/withdrawal machine 5.
1 and insert the IC card 1 into the card insertion slot 55 (STI). Then, the IC card 1 is taken into the card processing device 61, and the connection unit 2 reads and writes the card 834.
electrically connected to. Further, the magnetic head 35 in the card processing device 61 reads the transaction account number and the like from the magnetic stripe 11 on the IC card 1 and outputs it to the main control section 60 . As a result, the main control unit 7° controls the CRT display unit 60.
will prompt you to "Please enter your PIN" (S
r1). In response to this guidance, the customer inputs his/her password using the operation unit 59 (Sr3). With this input, the main control unit 70 transmits the PIN number to the CP via the reading/writing device 34.
Supply to U3. Then, CPIJ3 is used as supplied.

The customer's PIN number is stored in RAM 5. Next, CPU3
The password verification unit 7 compares the number of digits and numbers between the input password in the RAM 5 and the password recorded in the data memory 4.
<5T4).

As a result, the password verification unit 7 outputs a match signal to the CPU 3 when the number of digits and the number (content) match, and outputs a mismatch signal to the CPU 3 when the number of digits or the number does not match (Sr1).

Next, if the verification result from the password verification unit 7 is a match, the CPU 3 outputs a match signal to the main control unit 70, and if it is a discrepancy signal, it counts up a discrepancy counter (not shown) provided in the data memory 4. When this count value is within the predetermined number (3 times), the re-throwing Omachi discrepancy signal is sent to the main iI11.
When the count value reaches a predetermined value, a discrepancy signal indicating that the transaction card 1 is invalid is output to the main control unit 7o.

As a result, when the mismatch signal is supplied, the main control unit 70
It is determined that re-input of the PIN number or transactions using this deposit/withdrawal device 51 is not possible, and the user is notified of this (Sr.
6).

When a matching signal is supplied, the main control unit 70 determines that a transaction using this device, that is, a transaction with the corresponding account in the central processing unit 75, is possible, and the CRT display unit 60 displays the [Input transaction data] button. (Sr7)
). In response to this guidance, the customer inputs transaction data using the operating section 59 (Sr1). As a result, the main control unit 70
controls the deposit/withdrawal mechanism 62 and the like according to the supplied transaction data to perform transaction processing such as deposit processing or withdrawal processing (Sr9). At this time, the main control unit 70 controls the modem 74,
Compare the transaction data, the balance of the corresponding account in the transaction, and the transaction amount to the host computer 77 via the line 79 and modem 76 (5T11), update the balance, and output the completion of the transaction to the main control unit 70 (ST12). When the above transaction is completed, the main control section 70 outputs the transaction amount and transaction date and time to the CPU 3, and also displays "
The transaction is completed.J is announced (ST13). Thereby, the CPU 3 records the transaction amount and transaction date and time in the data memory 4 (ST14). Thereafter, the main control unit 7o causes the IC card 1 to be ejected (ST15).

Furthermore, if the deposit/withdrawal device 51 is offline and cannot be connected to the central processing unit 75 in step 10, the main control unit 70 reads the amount information from the data memory 4 in the IC card 1 (5T16), The deposit/withdrawal mechanism 62 is controlled according to the supplied transaction data to perform transaction processing such as deposit processing or withdrawal processing (ST17).
. Then, the CPU 3 compares the amount information in the data memory 4 with the transaction amount (5T18), and if there is a large amount of amount information, updates the amount information to the amount obtained by subtracting the transaction amount, and also updates the transaction amount and transaction date and time. is recorded in the data memory 4, and the completion of the transaction is output to the main control unit 70 (ST19). When the above-mentioned transaction is completed, the main control section 70 issues a message "The transaction is completed" on the CRT display section 60 (ST20). Thereafter, the main control unit 70 causes the IC card 1 to be ejected (ST21).

Next, in response to the guidance in step 7, the customer enters the operating section 59
Select to record the amount information on IC card 1 (S
T22). Accordingly, the main control unit 70 instructs the sweeping unit 59 whether the account to be traded is one account in the magnetic stripe 11 or an account in the data memory 4 according to the selection (ST2
3). At this time, the main control unit 70 uses the modem 74 and the line 79.
, data indicating transmission of amount information, and the transaction account number are output to the host computer 77 via the modem 76 (ST24). Then, the host computer balance is output to the main control unit 70 (ST25). As a result, the main control unit 7o displays “The balance is 00” on the CRT display unit 60.
It's yen, please enter the amount in the amount information to transfer."
This guidance is given (ST26). In response to this guidance, the customer inputs the required amount using the operation unit 59 (Sr17
).

As a result, the main control unit 70 compares this amount with the balance,
If the balance is larger, it is determined that the transfer is possible, and the amount information is recorded in the data memory 4, and the amount to be transferred is updated to the amount obtained by subtracting the amount information from the balance to the host computer 77, and the amount information is 1) Memorize the date and time when the amount of "00 yen" was sent to the terminal device.
Then, the completion of the transaction is output to the main control unit 70 (ST29
), thereby causing the main control unit 70 to eject the IC card 1 (ST30).

Further, if the amount information in the data memory 4 is reduced by a transaction, it can be returned to the predetermined amount by following the above-described procedure at the next online connection.

Furthermore, in the above example, when the amount information is recorded in the data memory 4, the amount is set arbitrarily by the customer. Alternatively, the deducted amount may be replenished from the corresponding account.

Furthermore, when the IC card handling machine 10 performs a transaction online or offline with the central processing unit 75, it operates in the same manner as the deposit/withdrawal device 51 described above.

As described above, transactions can be made using the amount information recorded in the data memory in the IC card even during times when the bank's host computer is not operating.

Note that in the above embodiment, the data memory (semiconductor memory)
However, a magnetic stripe or laser card with increased storage capacity may also be used.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to provide a transaction method that allows transactions to be performed with an external device even during off-line hours.

[Brief explanation of drawings]

The drawings are for explaining one embodiment of the present invention, and FIG. 1 is a partially cutaway external perspective view of the deposit/withdrawal device, and FIG.
The figure is a schematic block diagram showing the configuration of the deposit/withdrawal device, Figure 3 is an external perspective view of the IC card, Figure 4 is a block diagram schematically showing the configuration of the electric circuit of the IC card, and Figure 5 is the card processing device. 6 is an external perspective view of the card handling machine, FIG. 7 is a schematic block diagram of the card handling machine, and FIG. 8 is a plan view showing the configuration of the customer input section. FIG. 9 is a flow chart for explaining the transaction method of the present invention. 1... IC card (portable medium), 2... Connect section, 3... CPLI, 4... Data memory, 7...
...Password verification section, 1o...IC card handling machine, 11.
...CPU, 13...CRT display device, 20
... IC card reading layer loading section, 24 ... Interface, 34 ... Reading/writing device, 41 ... Customer input section, 42 ... Numeric keypad, 55 ... Card insertion slot, 59
...Operation unit, 60...CRT display unit, 61...Card processing device, 70...Main control unit, 71...Main memory, 74.76...Modem, 75...Center Processing device, 79... Line, 77... Host computer, 78... Transaction information file. Applicant's Representative Patent Attorney Takehiko Suzue 1 Figure 3 Figure 4 Figure 8 Figure 5 ゛20

Claims (4)

[Claims] (1) In those that use a portable medium on which amount information is recorded, by connecting online to an external device using the portable medium, transactions can be executed using the deposit amount in the corresponding account on the external device side. and means for executing the transaction using amount information on the portable medium during offline transaction with the external device. (2) The transaction method according to claim 1, wherein the portable medium is an IC card comprising a data memory, a CPU, and the like. (3) In cases where a portable medium is used, when a transaction is executed by online connection with an external device using the portable medium, part or all of the deposit amount in the corresponding account on the external device side is transferred to the portable medium. A transaction method characterized by providing a means for recording amount information on a medium. (4) The transaction method according to claim 3, wherein the amount information is arbitrary within the range of the deposit amount.