JPS62174892A - Ic card - Google Patents

Abstract

PURPOSE:To shorten the operating time in the terminal of a financial institution by providing, at least, a keyboard, an I/O part, a power source, a memory part and a CPU at an IC card and setting the transaction contents with the financial institution in a memory beforehand by using this. CONSTITUTION:Before an IC card is inserted into the terminal of a CD, etc., the work selection is inputted by a keyboard 12 of the IC card, next, the amount of the receipt of memory is inputted, next, the kind of memory is selected and finally, the operation such as the confirmation of the transaction contents is executed. At the time of the IC card is inputted to the terminal, the contents of a memory in the IC card are transferred to the terminal. Here, a user inputs a password number. On the other hand, when the password number is not correct, retrying is executed, the password number is inputted again, and when the password number is correct, the data read from the IC card are displayed again and the user is requested to confirm it. Next at the time of the data are not correct, the transaction contents are corrected, and when the data are correct, the transaction is executed as it is, the transaction slip is issued, the IC card is returned to the user and the transaction is completed.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Commercial Use) The present invention relates to a card issued to and used by a user for transactions with a financial institution.

(Prior Art) Cards conventionally used for transactions with financial institutions will now be explained.

Conventional cards only have information for identifying individuals set on them using means such as magnetic stripes. Therefore, deposit and withdraw money using such cards.

When conducting transactions with financial institutions such as checking balances, making transfers, etc., it was necessary to insert the card into a terminal at the financial institution and perform various operations on the terminal.

This will be explained below using an example where cash is withdrawn from a financial institution.

The user inserts the card into a cash dispenser (CD
). Next, use the business selection buttons to select and press the withdrawal button. Next, press the PIN code assigned to the individual.

When you press the withdrawal amount, then press the denomination button, and finally press the confirmation button, cash will be withdrawn from 0.0, the transaction details will be printed, and the transaction will be completed. Of course, in addition to cI), card users individually perform many similar tasks in front of terminals when conducting various transactions with financial institutions, such as deposits, transfers, and transfers.

The cards used for this kind of work only contained personal identification information that could be read by magnetic stripes.

(Problem to be solved by the invention) When using a conventional card, since the card only contains personal identification information about the individual as data, it is necessary to enter the PIN number in front of a terminal such as a CD. In addition, tasks such as selecting tasks, specifying and confirming amounts, etc., had to be done, which required a lot of time for each person to occupy the terminal. Therefore, the congestion of terminals has become constant, and it has been necessary to increase the number of terminals installed due to the congestion of these terminals.

(Means for solving the problem) An IC card is provided with at least a keyboard, an I10 section, a power supply, a part of memory, and a CP (J), and by using these, it is possible to preset at least the contents of transactions with financial institutions in the memory. make it like that.

(Function) Setting the details of transactions with financial institutions using an IC card like the one of the present invention can now also be done using a terminal like a CD, so the operation time at the terminal can be reduced. I can do it.

This makes it possible to reduce congestion at terminals and also to reduce the number of terminals installed.

(Example) An example of the present invention will be explained in detail using drawings. 1st
The figure is a plan view showing one embodiment of the present invention, and FIG.
It is an exploded perspective view.

The IC card has an upper case made of vinyl chloride (2) and a lower case (2) pasted together, and inside this is the I/Q (I4) (lω, inside the IC part where the memory and CPU are stored, L).
A CDtlυ and a button-type battery o9 are housed therein, and the upper case υ is provided with a keyboard (121) and a display window (13) for the LCD.

The function of this IC card will be explained below with reference to the block diagram shown in FIG. 6 and the flow chart shown in FIG.

Before inserting this IC card into a terminal such as a CD, enter the business selection on the IC card keyboard, then enter the deposit amount in the example of depositing, then select the denomination, and finally enter the transaction details. Perform operations such as checking.

At this time, the data input from the keyboard is entered into the CPU and stored in the memory after confirmation, and furthermore, the contents are displayed on a display section such as C1). In this way, the details of the transaction with the bank are stored in the memory of the IC card.

Next, the operation after inserting this IC card into a terminal such as a CD will be explained according to the flowchart of FIG. When the IC card is inserted into the terminal, the contents of the memory in the IC card are transferred to the terminal 7, where the user enters the password. On the other hand, if the password is incorrect, a retry is made and the password is entered again; if the password is correct, the data read from the IC card is displayed again and the user is asked to confirm. Next, if the data on the lever is incorrect, the details of the transaction are corrected, and if the data is correct, the transaction is continued as is, a transaction slip is issued, and the IC card is returned to the user and the transaction is completed by pressing l-.

(Effects of the Invention) According to the present invention, it is possible to set the details of transactions with financial institutions in advance, and the operating time at the terminal can be shortened. Therefore, this makes it possible to reduce the congestion of terminals and, in turn, to reduce the number of terminals installed.

[Brief explanation of drawings]

FIG. 1 is a plan view showing one embodiment of the present invention, and FIG.
The figure is an exploded perspective view, FIG. 6 is a block diagram showing the same function, FIG. 4 is a flowchart of the processing performed within this CPU, and FIG. 5 is a 3 is a flowchart of processing performed by a terminal device. (Mark...LCIJ t121...
Keyboard (13)... Display window 11...
...IC section (15)...Power supply (16) Song...
I/(J υ...Top case 1221...
...Dokasu Patent Distributor, Toppan Inbetsu Special Type Company Representative, Aio Suzuki

Claims (1)

[Claims] 1) An IC card that has at least a keyboard, an I/O, a power source, a memory, a CPU, and a display device, and has a function in which at least transaction details with a financial institution can be preset in the memory. .