JPS62109170A - Card transaction system - Google Patents

Abstract

PURPOSE:To prevent the foul use of electronic cards like integrated circuit IC cards, etc., due to the loss, robbery, etc., and to improve the crime preventing effect together with the protection of secrecy, by ciphering the secret one of those data and storing the data in those cards for storage. CONSTITUTION:An IC card 5b includes a data input/output terminal part 51, a ciphering processing part 9a which ciphers the record data supplied with a command for ciphering, ciphering data memory 11a, a general data memory 52, a ciphering data restoring part 12a, and a main control part 50. A main control part 10a of 1b displays the guidance on a display 3 when the card 5b is inserted and retrieves the password supplied from an operating part 2a out of a password file 13. In addition, the part 10a has the function to give the commands to the card 5b to read and restore the ciphering data as well as the function to give the command to the card 5b put into an IC card read/write part 6b to cipher the record data to be ciphered when a transaction is through.

Description

[Detailed Description of the Invention] [Summary] A card transaction system using an IC card, etc., in which data indicating the validity of the user, such as a PIN number, and at least a part of the transaction data are encoded in Bq. By providing the data converting section, the converted data storage section, and the converted data restoring section in the automatic transaction device or the card, the confidentiality of data recorded in the card can be protected and the crime prevention effect can be enhanced.

[Scope of industrial use]

The present invention relates to a card transaction system for financial institutions, etc., and more particularly to a card transaction system that can protect the confidentiality of data recorded on cards and improve crime prevention effects.

Recently, automatic teller M
Automated transaction devices such as ATMs (hereinafter referred to as ATMs) are widely used to perform transactions such as withdrawals, deposits, and transfers. Conventionally, magnetic cards have been used for these transactions, but recently, attempts have been made to use electronic cards such as IC cards. The use of cards has also become widespread for credit sales.

Electronic cards are likely to be widely used in the future in place of magnetic cards because they have a large storage capacity and can store a large amount of transaction data and programs as well as passbooks.

There is a need for a method of protecting data that is desired to be kept secret using the personal identification number and transaction data recorded on such electronic cards.

In the figure, a main control unit 10 of the ATM la has a calculation function and a sequence control function, and controls each unit to perform a transaction.

The operation unit 2a includes a function key for specifying a transaction mode, etc., a numeric keypad for inputting an operation amount, a personal identification number, etc., a confirmation button for inputting whether or not to confirm the displayed amount, etc.

The display 3 displays operation input guidance, input amount,
The input amount etc. will be displayed. The printer section 4 prints transaction details on passbooks, receipts, and journals.

Card 5a is a magnetic card with a magnetic stripe,
Customer data such as account numbers and PIN numbers, and transaction data such as deposit balances are recorded.

The card read/write unit 6a reads recorded data from the inserted card 5a and updates and writes transaction details.

The cash counting unit 7 includes a cash safe and a storage safe, and performs differential counting of the inserted banknotes and stores them in the storage safe, or dispenses banknotes from the cash safe according to a withdrawal command, performs differential counting, and withdraws money. Record the cumulative amount for each item.

The line control unit 8 communicates with a computer center (not shown).

Furthermore, although not shown, there is a card insertion slot 1, a Japanese currency insertion slot, @
A bill dispenser is provided.

Therefore, after the customer specifies, for example, the payout mode using the function key, the customer inserts the card 5a and enters the PIN number and
When you enter the amount and the payout amount, the recorded data is read and communicated with the computer center to confirm whether the transaction is possible or not.
If the transaction is possible, the banknotes are fed out from the cash safe and dispensed to the banknote payout slot. In addition, the details of the transaction are printed and issued on a receipt. There may be cases where a transaction is carried out using both the card 5a and a passbook, and in that case, the information is also printed on the passbook.

Transactions are carried out in this way, but they are recorded on magnetic cards.
LI capacity is too small to record much data. Recently, trial use of IC cards with large storage capacity has begun, and similar to passbooks, they can store past transaction data, the user's address, etc.
A method is used in which data such as the transfer destination and the like are recorded in 1.a.

[Problem that the invention seeks to solve]

According to the above conventional method, the PIN number and bank balance recorded on the card can be read relatively easily, and transactions can be made by inserting the card into an ATM and entering the PIN number. There are problems in that as cards are used more frequently, the number of cases of loss or theft is increasing, and the number of crimes using someone else's card is increasing.

[Failure to solve the problem]

FIG. 1 is a block diagram of the principle of the present invention.

In the figure, ■ is an ATM, 2 is an operation unit, and 5 is a car)S
, 9 is a conversion processing unit provided in the card 5 and converts data indicating the authenticity of the user, such as a personal identification number and at least part of the transaction data, into data that cannot be read by a third party; A conversion data storage section 12 is provided in the card 5 and stores the converted data, and 12 is an ATMI, or a conversion data restoring section 12 is provided in the card 5 and restores the conversion data read out from the conversion data storage section 11. be.

As the encryption method, for example, a method of bit scrambling of data according to an encryption table, a method based on the Data Encryption Standard (DBS), etc. are used.

Therefore, the conversion processing section 9
and store it in the converted data storage unit 11,
The conversion data is inserted into the ATM 1 and read out by a predetermined operation, and the conversion data restoration unit 12 restores the conversion data to perform a transaction.

[Effect]

When recording data on the card 5, insert the card 5 into the automatic transaction device 1, decide in advance the PIN number and at least part of the transaction data, that is, the data that you want to keep secret, and then When input to the card 5, the data is converted by the conversion processing unit 9 and stored in the converted data storage unit 11. At the time of transaction, the card 5 is inserted into the ATM, and the conversion data read out by a predetermined operation is transferred to the card 5. Alternatively, the converted data restoration unit 12 of the ATMI restores the data and the transaction is executed. In this way, data that should be kept secret will not be leaked to a third party, thereby increasing the effectiveness of crime prevention.

〔Example〕

Hereinafter, one embodiment of the present invention will be described with reference to FIGS. 2 and 3. FIG. 2 is a block diagram showing an embodiment of the present invention;
FIG. 3 is a flowchart of FIG. 2. The same reference numerals indicate the same objects throughout the figures. The ATMlb in FIG. 2 that corresponds to that in FIG. 1 is shown surrounded by a dashed line.

In FIG. 2, when the IC card 5b is inserted into an ATM, it comes into contact with a reading terminal (not shown) of the IC card read/write section 6b, and a terminal section 51 through which data is input/output.
．． Encryption processing section 9a that encrypts recorded data inputted by encryption by a method such as focus scrambling according to an encryption table, encrypted data memo 'Jlla' in which encrypted data is stored, general The main controller 50 includes an encrypted data restoring section 12a that restores recorded data, that is, encrypted and commanded differentiated data, to the original data. Therefore, predetermined data to be encrypted and partial data are stored separately in the IC card 5b.

The ATM lbO main control unit 10a has the same functions as the main control unit 10 described in the conventional example, and also displays guidance prompting the user to enter a password on the display 3 when the IC card 5b is inserted for a transaction. and the operation section 2a
The password entered by the user is saved in password file 1.
3 to search and check the existence of the corresponding password, and then command the IC card F'5b to read and restore the encrypted data, and when the transaction is completed, the IC card is inserted into the IC card read/write section 6b. In the IC card 5b,
It has a function of instructing encryption of predetermined recorded data to be encrypted among data to be recorded.

The password file 13 is a memory in which a password unique to the user is registered.

The IC card read/write section 6b has the function of writing/reading recorded data to/from the IC card 5b and inputting an encryption command signal and a restoration command signal.

Since it has such a structure and function, the operation will be explained with reference to the flowchart of FIG. 3. (1) Insert the IC card 5b into the IC card read/write section 6b and input the password.

■Search for the corresponding password in the password file 13 and check whether it exists or not. “If not, return the IC card 5b.

(2) If "Yes", the IC card 5b is commanded to read the encrypted data from the encrypted data memory 9a, restore the encrypted data restoration product 1iar, and output it to the ATM 1b.

(2) At the same time, some recorded data is also read out from the data memory 52 and output.

■Thus, the desired transaction is carried out.

- When the transaction is completed, the details of the transaction are input into the IC card 5b.

(2) Then, recorded data that is desired to be kept secret, such as a personal identification number or bank account balance, is encrypted by the encryption processing section 9a and stored in the encrypted data memory lla.

(2) Part of the recording disk is also partially stored in the data memory 52.

■The IC card 5b is then returned.

Of the data recorded in the IC card 5b in this way,
Predetermined data that you want to keep secret is encrypted and recorded, and it is restored and output on the condition that the password is verified.
Although the case where the security data is provided in the crime prevention card 5b, which can protect confidential data, has been described, it may also be provided in the ATM Mlb (the same effect can be obtained).

Further, although the case of the IC card 5b has been described, any other card may be used as long as it has a large storage capacity and can store a program, and the present invention can generally be applied to electronic cards.

C Effects of the Invention] As explained above, according to the present invention, the confidentiality of data stored in an electronic card such as an IC card that is desired to be kept confidential is protected by storing it as converted data such as encryption. This has the effect of preventing misuse by others due to loss or theft, and increasing the crime prevention effect.

[Brief explanation of drawings]

FIG. 1 is a block diagram of the principle of the present invention, FIG. 2 is a block diagram showing an embodiment of the present invention, FIG. 3 is a flowchart of FIG. 2, and FIG. 4 is a block diagram showing a conventional example of an ATM. In the figure, 1 is an automatic transaction device, la and lb are ATMs, and 2
．． 2a is the operation part, 3 is the display, 4 is the printer part, 5, 5a is the card, 5b is the IC card, 6a is the card read/write part 6b is the IC
Card read/write unit, 7 is a cash counting unit, 8 is a line control unit, 9 is a conversion processing unit, 9a is an encryption processing unit, 10, IQa, 50
11 is a main control unit, 11 is a conversion data storage unit, 11a is an encrypted data memory, 12 is a conversion data recovery unit, 12a is an encrypted data recovery unit, 13 is a password file, 5I is a terminal unit, 52 is a partial data memory shows. Agent Patent Attorney Sada Igata - 4th Ward

Claims (1)

[Scope of Claims] (1) A card (5) in which data indicating user authenticity and transaction data are stored, and card storage data and an operation unit that are read by a reading unit when the card (5) is inserted. In a card transaction system comprising an automatic transaction device (1) that performs a transaction based on the data indicating the validity of the user and the transaction input data inputted from (2), the card (5) a conversion processing unit (8) that converts data indicating the legitimacy of a third party and at least part of the transaction data into data that cannot be read by a third party; and a conversion data storage unit (9) that stores the converted data. and a converted data restoring section (11) for restoring the converted data read out from the converted data storage section (9) in the automatic transaction device (1) or the card (5). card transaction system. (2) The card transaction system according to claim 1, wherein the conversion processing section (8) is an encryption processing section that encrypts the data to be converted. (3) The card transaction according to claim 1, wherein the converted data restoration unit (11) is activated on the condition that a password inputted from the operation unit (2) is verified. system.