JPS62227695A - Gold-note integrated circuit card - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed Description of the Invention] (alTechnical Field) This invention relates to a cash voucher IC card that allows transactions such as purchasing products with the amount stored inside the card, and in particular, the transaction limit can be set within the IC card. Concerning a cash voucher IC card that can be judged.

(b1 Summary of the Invention The cash voucher IC card according to the present invention has a transaction limit storage area in the memory of the IC card, and when inserted into a transaction processing device and performs a transaction, determines the transaction amount, and A means is provided to cancel the transaction if the limit amount stored in the storage area is exceeded.

This prevents large amounts of transactions from being made at once, and also makes it possible to reject large amounts of charges due to malfunction of the transaction processing device or unauthorized operation.

(C) Prior Art and Its Disadvantages The currently proposed cashless transaction using an IC card is performed by the following system.

A balance storage area is provided in the IC card, and the amount of money fanned to a predetermined financial institution is stored in this balance storage area. When this IC card is inserted into an IC card transaction device (hereinafter referred to as a "transaction processing device") installed in a vending machine or store that accepts this IC card, transactions can be made from the balance storage area. Amounts are deducted and stored within these transaction processors. The seller can later display this stored content to the financial institution and receive cash.

In such a system, since there is no direct exchange of cash at the time of transaction, the user may have a weak sense of how much money is being used, and may end up making a transaction with a larger amount than necessary.

In addition, it was difficult to confirm how much money was actually withdrawn from the IC card, so for example, an abnormality occurred in the operation of a vending machine and an amount exceeding the actual transaction amount was withdrawn. Even in that case, the user could not confirm it. Furthermore, in the case of tC card transaction devices operated by store staff, even if a fraudulent charge is made for an amount greater than the actual transaction amount, the amount will be debited unconditionally and the transaction cannot be rejected. It was difficult.

(d) Purpose of the Invention In view of the above drawbacks, the present invention provides a cash voucher IC card that can prevent excessive transactions and fraudulent charges by refusing transactions exceeding a predetermined limit. With the goal.

(e) Structure and effect of the invention This invention provides a cash voucher IC which has a balance storage area in which a predetermined amount is written in advance, and which is inserted into a transaction processing device at the time of a transaction and the transaction amount is deducted from the balance storage area.
The card is provided with a transaction limit storage area in which a transaction limit for - times is set, and a means for comparing the transaction amount with the limit amount for each transaction, and a means for comparing the transaction amount with the limit amount when the transaction amount exceeds the limit amount. The method is characterized by providing a means for canceling the transaction.

With the above configuration, according to the present invention, the transaction amount sent from the transaction processing device into which this card is inserted (that is, the amount to be withdrawn from the balance storage area) is stored in the transaction limit storage area. If the amount exceeds the transaction limit, the transaction can be canceled.

As a result, for example, if an abnormality occurs in a transaction processing device such as a vending machine that can use this coupon IC card and an amount exceeding the actual transaction amount is charged, if the amount is excessive. may judge this and cancel the transaction. The same applies when a transaction processing device such as an IC card transaction device operated by an attendant is billed for a large transaction amount due to an error or unauthorized operation by the attendant.

Furthermore, by setting a limit, users can regulate their own purchasing behavior and can also prevent errors in judgment due to transactions that do not involve direct exchange of cash.

In addition, by setting the limit and determining the transaction amount on the card side as described above, the transaction processing device only has the function of deducting the transaction amount from the TC card and processing the transaction. In many cases, conventional transaction processing equipment can be used as is, and there is almost no increase in the cost of the entire system that uses cash voucher IC cards.

(f) Embodiment FIG. 2 is a diagram showing the configuration of an IC card transaction system using a cash voucher IC card according to an embodiment of the present invention.

The transaction processing device 2 is a vending machine for an automated store. This vending machine 2 has an IC card reader, and has a cash voucher IC.
By inserting the card 1, it is possible to purchase a product. Further, as a transaction processing device, in addition to the illustrated vending machine 2, there is also an IC card transaction device installed in a store or the like and operated by an attendant.

The cash voucher IC card 1 is set with a balance storage area (described later) for storing the balance, which is the value of the card, and this balance storage area is updated when the user funds cash to a predetermined financial institution 3. Ru. The transaction processing device (vending machine 2) stores transaction processing data including the amount withdrawn from the balance storage area of the coupon IC card 1 (transaction amount) in a storage medium such as a floppy disk. By clearly indicating the stored contents to the financial institution 3, the store clerk or the like can receive the transaction amount from the fanted cash.

FIG. 3 is a diagram showing the configuration of the coupon IC card. Terminals 5 of a built-in one-chip microcomputer 4 are exposed on the surface of the card. When this terminal 5 is inserted into the IC card reader of the transaction processing device, it comes into contact with the contacts of the IC card reader to exchange power, clock, data, etc. The microcomputer 4 is formed of one chip, but there is a CPU 6. EEPR that stores programs, data, etc.
OM7. It includes a RAM 8 for a work area and an interface 9 connected to the terminal 5.

FIG. 4 is a partial configuration diagram of the EEPROM 7. This EEPROM 7 is a memory element that can be erased/written one byte at a time by electrical processing, and is a typical RA
It can be used to store updated data, etc. in substantially the same way as M, and since the stored contents are not lost even when power is not supplied, programs and data that need to be saved can also be stored.

Area Ml (hereinafter referred to as "area MiJ rMiJ").

) stores a program for controlling the operation of this coupon IC card. Further, unique information for identifying the owner of this card is stored in M2. This unique information is the bank code of the customer.

These include branch code, ID number, etc. M3 is a limit storage area. Here, the limit amount is the maximum amount that can be transacted in one transaction using this coupon IC card. Area M4 is a balance storage area. This area initially stores the amount of money fanned to the financial institution 3, and is updated by deducting (withdrawing) this transaction amount for each transaction. M5 is a transaction data storage area. For each transaction, the identification number of the device that processed the transaction and the transaction amount are stored. This transaction data storage area is set up in multiple areas and can store multiple transactions. Among the above storage areas, Ml, M2. M3 is stored when this card is issued, and the stored contents are not changed thereafter, but M4 and M5 are rewritten or added to each time this card is used.

FIG. 5 is a block diagram of the control section of the vending machine 2. As shown in FIG. C:PUlo, which is a control device, has a ROM 11. RA that temporarily stores data etc.
An IC card reader/writer (IC card reading device) 14 is connected to the M12 and a Fronbi disk device 13 for storing transaction data, etc., and further receives the coupon IC card 1 via an internal bus to conduct a transaction. ．． 15. Coin processing machine that processes inserted coins. Keyboard for selecting products etc. 16. A display 17 that displays the transaction amount, etc., and a product discharger 18 that discharges purchased products are connected.

FIG. 1 is a flowchart showing the operations of both control sections when the coupon IC card 1 is inserted into the vending machine 2 and a transaction is performed. The vending machine 2 starts operating when the coupon IC card 1 is inserted into the IC card reader/writer 14, and steps n1 (hereinafter referred to as "step n iJ").

) supplies power and a clock signal to the inserted coupon IC card l. The coupon IC card 1 that has received the clock signal starts its operation, and a communication state is set between the CPU 10 of the vending machine 2 and the CPU 6 of the coupon IC card (n20, n2). Through the communication immediately after this communication state is set, the vending machine 2 receives the cash coupon I.
Determine whether C card 1 can be used (n3)
.

If the keyboard 16 is usable, the selection of the product to be purchased is accepted from the keyboard 16 (n4), and the price of the selected product is charged to the coupon IC card (n5).

The coupon IC card l (CPU 6) which received this amount (transaction amount) in n21 compares this transaction amount with the limit amount stored in the limit storage area (M3) (n22), and determines that the transaction amount has reached the limit. If it is less than the amount (n23),
The amount corresponding to the price is sent to the CPU of the vending machine 2 (n24), and then the balance in the balance storage area (M4) is updated (n26), and the operation ends. On the other hand, if the transaction amount exceeds the limit amount, n23 will judge that n2
Proceed to step 5 and send a message to vending machine 2 to refuse the transaction.
(n25), and the operation ends. With the above operations, the coupon RC card completes its operation, and is then removed from the IC card writer 14 by the user.

The vending machine 2 that received the reply message from the cash voucher IC card 1 (CPU 6) at n6 judges whether the content of the message is a message indicating the completion of a transaction (n7), and if the transaction is successful, the purchase is confirmed. The product is released (n8), the transaction details are stored in the floppy disk device 13 (n9), an instruction to remove the card is displayed on the display 17 (nlO), and the operation is completed while the inserted coupon IC card is used. If it is not acceptable (n3) or if you receive a reply message from the cash voucher IC card stating that the transaction has been canceled (transaction failed), proceed to nll to cancel the transaction, and instruct nlO to remove the card. to finish the operation.

n22 corresponds to the "means for comparing the transaction amount with the limit amount" of the present invention, and n23. n25 corresponds to the "means for canceling the transaction" of this invention.

As described above, according to the cash voucher IC card, if the transaction amount sent from the transaction processing device exceeds a predetermined limit amount, the transaction can be canceled. As a result, it is possible to refuse a large bill due to an abnormality in the transaction processing device or an unauthorized operation by a clerk, and it is also possible to prevent so-called overuse by the user.

Furthermore, since this judgment is made within the coupon IC card,
The transaction processing device may have only the function of charging the transaction amount to the coupon IC card. As a result, the transaction limit can be determined without increasing the cost of the entire cash voucher IC card system.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing the operation of the control units of both a cash voucher IC card and a vending machine that processes transactions by inserting the cash voucher IC card, which is an embodiment of the present invention, and FIG. Figure 3 is a diagram showing the configuration of the IC card transaction system including the vending machine, Figure 3 is a diagram showing the configuration of the voucher IC card, Figure 4 is a diagram showing the memory configuration of the voucher IC card, and Figure 5 is the automatic transaction system. It is a block diagram of the control part of a vending machine. 1-Cash voucher IC card, 2-Vending machine.

Claims (1)

[Claims] (1) A single transaction limit is set for a voucher IC card that has a balance storage area in which a predetermined amount is written in advance, and that is inserted into a transaction processing device at the time of a transaction and the transaction amount is deducted from the balance storage area. A transaction limit storage area is provided, a means for comparing the transaction amount with the limit amount for each transaction, and a means for canceling the transaction when the transaction amount exceeds the limit amount. A cash voucher IC featuring
card.