JPS62282367A - Ic card transaction system - Google Patents

Abstract

PURPOSE:To improve the degree of freedom of transaction and the security of deposit while the high operating rate of an automatic transaction processing equipment is being kept by inputting a part of a transaction processing data onto an IC card and inputting the remaining part to the automatic transaction equipment directly. CONSTITUTION:A magnetic stripe 16 and a contact 11 are provided to the surface of an IC card 1, an LSI 10 constituting a microcomputer and a battery 15 are built in the inside and the rear side is provided with a display device 12 of LCD dot matrix and a keyboard 13. The LSI 10 consists of a CPU 100, a mask ROM 101, a controller 102 for the contact 11 and an LCD driver 103 controlling the display device 12, and a RAM 14 mounted externally to the CPU stores bank codes, branch codes, account numbers, pass words, residue of deposit, effective codes and transaction history. An optional part of transaction processing data is inputted to the IC card in advance, the IC card is loaded to the automatic transaction processing equipment and data not inputted in advance are inputted, then the transaction processing is completed.

Description

[Detailed Description of the Invention] 3. Detailed Description of the Invention (a) Technical Field This invention relates to an IC card transaction system comprising an automatic transaction processing device and an IC card inserted into the automatic transaction processing device, and particularly relates to an IC card transaction system that The present invention relates to an rC card transaction system that allows operations to be performed on IC cards that were conventionally performed on automatic transaction processing devices.

(b1 Summary of the Invention The IC card transaction system according to the present invention is capable of inputting transaction processing data to an IC card, such as selecting a transaction type and inputting a transaction amount, which was conventionally done to an automatic transaction processing device. transaction processing data receiving means), and the data is stored in the transaction processing data storage means.

The automatic transaction processing device accepts the IC card and processes this IC card.
Transactions are processed using transaction processing data stored in a C card, and direct input from a user is accepted only when transaction processing data not stored in an IC card exists.

As a result, it is possible to shorten the time that the automatic transaction processing device is occupied per transaction, and it is also possible to decide and change the details of the transaction at the time of the transaction (when the user goes to the automatic transaction processing device). be. Furthermore, by storing only a portion of the transaction processing data, security in the event of loss is increased.

(C1 Conventional technology and its drawbacks Automatic transaction processing devices are used as online terminal devices directly operated by customers in financial institutions, etc., but in recent years, automatic transaction processing devices have rapidly become multi-functional and can process withdrawal transactions with a single device.) In addition, it is now possible to process deposits, check balances, fill out bankbooks, and transfer transactions.As a result, users are required to perform operations such as selecting the transaction type, which reduces the time required for each transaction. tended to be longer.Also,
In some cases, customers who are not familiar with the operation of automatic transaction processing devices are unable to complete transaction processing using their own blades. As a result, the operating efficiency of automatic transaction processing devices has decreased, and staff have become necessary to assist users.

In order to solve such problems, the present applicant has already proposed a new transaction system using IC cards, which is currently beginning to be put into practical use, in Japanese Patent Laid-Open No. 196876. According to this, a user performs transaction processing operations that were conventionally performed on an automatic transaction processing device using an IC card equipped with an input means, and stores the input result transaction processing data in the IC card. did. When an IC card is inserted into an automatic transaction processing device, the automatic transaction processing device can process a transaction based on data read from the IC card instead of accepting key input by a user. This allows each user to use their own IC.
Since transaction processing data can be input into the card in advance, reliable input can be performed without being subject to time constraints. Since transactions can be processed simply by inserting an IC card into the automatic transaction processing device, the time the automatic transaction processing device is occupied by the transaction is shortened, which has the advantage of increasing the operating efficiency of the automatic transaction processing device. Furthermore, since the password, transaction amount, etc. can be entered in advance at another location, there is also the advantage that there is no risk of the password being tampered with by another person.

However, in the invention according to the above application, all transaction processing data had to be input into the IC card in advance, so it was not possible to determine or change the details of the transaction at the time of the transaction. Furthermore, if you lose the IC card with all transaction processing data entered,
The C card could easily be used fraudulently by someone who found it, posing a problem with the safety of deposits.

(d) Purpose of the Invention In view of the above-mentioned drawbacks, the present invention provides a method for converting part of transaction processing data into an
By pre-entering the data into the C-card and inputting the remaining part directly into the automatic transaction processing device, the system maintains a high operating rate of the automatic transaction processing device, while increasing the flexibility of transactions at the time of transaction and deposits. t that can satisfy safety.
The purpose is to provide a C card transaction system.

(81) Structure and Effect of the Invention This invention provides a transaction processing data receiving means for accepting input of any part or all of transaction processing data used for each individual transaction processing including transaction type and transaction amount;
I having a transaction processing data storage means for storing transaction processing data inputted by the transaction processing data receiving means
A C card, an automatic transaction processing device that accepts the IC card and processes transactions, and transaction processing data reading means for reading transaction processing data necessary at each stage of transaction processing from the transaction processing data storage means; The present invention is characterized by comprising: an automatic transaction processing device having uninput data receiving means for accepting input of necessary transaction processing data when the data is not stored in the transaction processing data storage means.

In the above configuration, a user who has an IC card enters any part or all of the transaction processing data into the C card (financial institution, etc.) before going to the automatic transaction processing device and processing the transaction. When an IC card is inserted into an automatic transaction processing device, the automatic transaction processing device reads transaction processing data from the IC card and processes each step of the transaction, and if there is transaction processing data that has not been entered into the IC card in advance, The input of that data is accepted. Once the customer inputs this data, the transaction process is completed.

This allows the customer to directly enter only the final decision on the automated transaction processing device using keystrokes, minimizing the amount of time required (the amount of time the automated transaction processing device is occupied).
You can perform transactions that are finalized at the time of the transaction. Furthermore, by storing only part of the transaction processing data on the IC card, even if the card is lost, the risk of unauthorized use of the card is reduced, ensuring the safety of deposits. can also be secured.

(f) Embodiment FIG. A magnetic stripe 16 is provided that is used when processing transactions with a magnetic card reader/writer, and an LSllo that constitutes a microcomputer is built into the card near this magnetic stripe. A contact point 11 for exchanging data with an IC card reader/writer of an automatic transaction processing device is provided on the surface, and a flat battery 15 is built in the lower part of the inside of the card.

Further, on the back side of the IC card 1, an LCD dot matrix display 12 and a keyboard 13 are provided. The display 12 is composed of character displays for 10 characters, and each character display is composed of 5×7 LCD dots. This display displays a simple guidance display corresponding to the user's operation stage, input data, etc.

Furthermore, when this IC card is not used as a card for financial transactions, it can be used as a card-shaped calculator, and at that time, the display 12 displays the entered numbers and calculation results.

In addition, the keyboard 13 includes 0N10FF keys, 0PEN key, CE/C key, numeric keypad, ENT key, four arithmetic operation keys,
It consists of a YES key, a NO key, etc. These keys are used to enter transaction processing data and also to process calculations as a calculator.

FIG. 2 is a block diagram of the control section of the IC card.

The LSI 10 has a CPU 100. Mask ROMI
O1, a controller 102 for the contact 11, and an LCD driver 103 for controlling the display 12. A contact 11 is connected to the controller 102,
A display 12 is connected to the LCD driver 103. Further, a keyboard 13 and an external RAM 14 are connected to the CPU 100. This RAM14 is battery 1
It has been backed up by 5.

FIG. 3 is a partial configuration diagram of the mask ROM10I and RAM14. A key code table (M2) is set in the mask ROM 10I, which stores the control program (M1) and selection contents of processing functions corresponding to keyed-in numerical values. Also, the bank code (M2O
), branch code (M31), account number (M32), PIN number (M33), deposit balance (M34), and validity code (M2S). 100 history items are stored (M4). If the user selects the transaction history display function by performing a predetermined key operation, this transaction history data can be displayed on the display 12. Also RAM1
4 is provided with a transaction processing data storage area (M5) which is an area for storing transaction processing data to be used for the next transaction. This transaction processing data storage area includes transaction amount (M2O), transaction type (M51), transfer destination code (
M52), transfer destination designation (M53) and transfer date (M52)
54), in which only the data necessary for the transaction type (deposit/withdrawal, transfer, etc.) is stored.

Figure 4 shows an AT used in the IC card transaction system.
It is an external view of M. The vertical operation panel on the front of the device is provided with an I (1) for inserting the IC card 1, a card insertion slot 211, a bankbook insertion slot 22, and a magnetic card insertion slot 23. Banknote deposit/withdrawal 24.C
RT25. A coin withdrawal port 27 is provided. CRT
Reference numeral 25 displays information on the ATM's functions, operating procedures, etc., as well as the input key to be pressed by the customer. This C
A transparent touch panel switch 26 is installed on the surface of the RT 25 and detects pressing of various keys displayed on the CRT 25.

FIG. 5 is a block diagram of the control section of the ATM. A.T.
The CPU 28 of M2 has an RO that stores programs etc.
M29. A RAM 30 for storing data and the like is connected as well as an interface 31. The interface 31 includes a display 32 including the CRT 25.
Touch panel device 33 including touch panel switch 26
Other IC card reader titer 34 which communicates data etc. with the IC card inserted into the IC card insertion slot 21 Magnetic card reader 351 which reads and writes the magnetic card inserted into the magnetic card insertion slot 23 Processes deposits and withdrawals of banknotes Banknote processing unit 36. Coin processing unit 37 that processes coin deposits and withdrawals
．． A form processing unit 38 that prints transaction results on passbooks and slips and a communication control unit 39 that communicates with the center are connected.

FIG. 6 is a flowchart showing the operation of the control section of the IC card.

The figure shows the processing content selection operation. O on keyboard 13
When the N10 FF key is pressed, power is supplied to the LSI, and the function as a calculator is started (step n1: hereinafter "step ni" will be referred to as "ni").

Next, when the 0PEN key is pressed (n2), a message is displayed on the display 12 requesting input of a password to permit acceptance of transaction processing data (n3). The input of the PIN number is accepted at n4, and the input PIN number is stored in the PIN number (M3) stored in the card data storage area (M3).
3) is determined (n5). If they do not match, the process proceeds to n6, and it is determined whether or not this password input error is the third time by referring to the validity code storage area (M2S). The dynamic code is a number that indicates the number of consecutive PIN input errors. If it is the third time or later, the card function is locked and the operation ends (n7). If it is not the third time, an error will be displayed on the display 12 (n8
), and after the user inputs a confirmation (by pressing the YES key) (n9), the process returns to n3. If it is confirmed in n5 that the input PIN numbers match, proceed to nlo, change the mode to transaction card mode, and display on the display 12 a request for input to select the processing content (nil).
. If a transaction code is input (n12), the transaction code is checked in n13. If there is no corresponding transaction code, the process returns to nLl to prompt re-input, and if there is a corresponding transaction code, the process proceeds to the transaction processing data reception operation.

FIG. 5(B) shows the transaction processing data reception operation when a transfer transaction is selected. First, a confirmation request for the selected transfer transaction is displayed at n20, and 61 ti large inputs from the user are accepted at n21. If the user presses the YES key, the process proceeds to n23 and below; if the user presses the No key, the process returns to nil (n22).

At n23, a request for inputting the transfer amount is displayed on the display 12,
At n24, a subroutine for accepting input of the transfer amount is performed. This input reception subroutine will be explained with reference to FIG. Next, a similar input request display and input reception subroutine is performed for the transfer destination date and transfer date (n25 to n28),
Finally, display the fee for this transfer (n29), after inputting 6'ffl i=large for the fee (n30,
n31), the input contents are stored in the transaction processing data storage area (M5) and the operation ends. If the No key is pressed at n30, the value returns to nil based on the determination at n31, and the input is repeated.

FIG. 2C shows an input reception subroutine. n40, n
At step 41, the process waits until the ENT key or numeric key is pressed, and if the numeric key is pressed, the input value is buffered in the numeric value buffer (n42) and the process returns to the standby routine again.

On the other hand, when the ENT key is pressed, it is determined whether the set number is stored in the set number buffer (n43), and if the set number is stored, the transaction processing data is temporarily stored as transaction processing data. The transaction processing data is stored in the buffer and the number buffer is cleared (n44).

When no numeric value is input in the number buffer, this transaction processing data is skipped without being input, that is, it is assumed that it is directly input in the automatic transaction processing device and is skipped to the transaction processing data buffer. A code (such as "x") is stored (n45). Next, in n46, this confirmed input data is stored and the user's confirmation input is accepted (n47).

If the user presses the YES key, the process returns to the main routine, and if the user presses the No key, the data buffered at n44 is cleared and the process returns to the standby routine at n4Q and n41. The transaction processing data buffer has the same structure as the transaction processing data storage area (M5), and its storage contents are moved at n32.

FIG. 8 is a flowchart showing the operation of the control section of the ATM. At n51 and n52, the process waits until an IC card is inserted or any key is pressed. If n51 determines that the IC card has been inserted, the operation will be n54.
Proceeding to the following transaction processing operation, the card data and transaction processing data stored in the IC card are read out and buffered in a predetermined area. Thereafter, a transaction selection subroutine (n55) is performed based on the buffered transaction processing data, etc., and the process branches to the transaction processing operation selected at n56. The transfer transaction processing operation will be explained below.

In the transfer transaction processing operation, the PIN input subroutine (n
57), a transfer amount setting subroutine (n58), a transfer destination setting subroutine (59), and a transfer date input subroutine (n60). A transfer transaction is processed according to the transaction processing data set in these subroutines (n61).

FIG. 3B is a flowchart showing the subroutine. First, in n65, the buffer in which the card transaction processing data has been read is referred to, and it is determined whether or not the corresponding transaction processing data is stored (n66). Please set it as transaction processing data in the subroutine of n6
8) Return to the main routine. On the other hand, if the corresponding transaction processing data is not stored in the buffer, n6
At step 7, the input by pressing the key displayed on the CRT 25 is accepted, the input data is set as the corresponding transaction processing data (n68), and the process returns to the main routine.

□ Keyboard 13 and n23 to n28. Figure 6 (
The subroutine shown in C1 is the transaction processing data of this invention □
The RAM 14 and n32 correspond to the transaction processing data storage means of the present invention. Also n5
4 and n65 correspond to the transaction processing data reading means of the present invention, and n67 corresponds to the non-input data receiving means of the present invention.

In this way, according to this IC card transaction system, any part or all of the data required for individual transaction processing can be stored in advance in the IC card, and by inserting this card into an ATM, Data input operations performed on the IC card can be omitted. By this, trading.

Therefore, the time required to occupy an ATM can be shortened, and transactions can be processed quickly. By this, A.T.
The operational efficiency of ATMs can be improved, and the complexity of transaction processing operations associated with the multifunctionality of ATMs can also be alleviated.

Furthermore, by storing only a part of the transaction processing data on the IC card, even if an IC card with transaction processing data set is lost, the person who finds the card will be able to use it illegally. This can improve the security of deposits. In addition, by setting transaction processing data that has already been determined in advance and skipping content that cannot be determined until the time of actual transaction, the automatic transaction processing device can process any transaction in the minimum amount of time. This IC can also
The card is equipped with an LCD display 12, and since 100 past transaction history data are stored in the memory, this transaction history data is displayed on the display 12 by performing a predetermined key operation. You can also do it.

[Brief explanation of drawings]

FIGS. 1(4) and 1(B) are external views of an IC card used in an IC card transaction system according to an embodiment of the present invention. The back view is shown. FIG. 2 is a block diagram of the control section of the IC card, and FIG. 3 is a partial configuration diagram of the mask ROM and RAM built into the IC card. FIG. 4 is an external view of an ATM used in the IC card transaction system;
FIG. 5 is a block diagram of the control section of the ATM. 6GA), (B), and (C:) are flowcharts showing the operation of the control section of the IC card, and FIG. 7 (Al
, (81 is a flowchart showing the operation of the control unit of the ATM. 13-Keyboard, 14-RAM. 2l-IC card insertion slot, 3O-IC card reader/writer.

Claims (1)

[Claims] (1) A transaction processing data reception means that accepts input of any part or all of transaction processing data used for individual transaction processing, including transaction type and transaction amount, and a transaction processing data reception means that accepts input of any part or all of transaction processing data used for individual transaction processing, including transaction type and transaction amount, and the transaction processing data input by this transaction processing data reception means. an IC card having a transaction processing data storage means for storing transaction processing data; and an automatic transaction processing device for accepting the IC card and processing the transaction, the transaction processing device storing the transaction processing data necessary at each stage of the transaction processing. an automatic transaction processing device having a transaction processing data reading means for reading from the data storage means; and an uninput data receiving means for accepting input of necessary transaction processing data when the data is not stored in the transaction processing data storage means; An IC card transaction system characterized by being provided with.