JPS6267673A - Ic card system - Google Patents

Abstract

PURPOSE:To relieve the confusion at windows and to save the labor of clerks by updating a shopping account and a shopping balance storage area by inserting an IC card into an automatic teller machine. CONSTITUTION:When the IC card 1 is inserted into an IC card insertion slit, an IC card reader writer 34 reads data on the deposit account of the card 1. Then, a password is inputted with a ten-key and it is decided whether the password number coincides with the password number read out of the card 1 or not. Then, a request is so made that the amount of money to be transferred from the deposit account to the shopping account is inputted with a ten-key displayed on a CRT 32 or that the cash as much as the amount displayed on the CRT 32 is thrown in a money throw-in slit. Then, when the input of said amount of money is judged, the amount of money, previously read deposit account data, and shopping account data are transmitted to a center to request the rewriting of a center line. Then, when a response from the center is received, the contents of the shopping balance stored on the card 1 are updated on the basis of the amount of money.

Description

Detailed Description of the Invention (a) Technical field This invention enables depositing cash at a financial institution, storing the amount as a balance on an IC card, and making payments when purchasing products etc. using an IC card.
This invention relates to an IC card system that performs debiting from the balance stored on the card.

(b1 Summary of the Invention The IC card system according to the present invention deposits cash into a shopping account set up at a financial institution, updates the balance in the shopping balance storage area of the IC card with that amount, and makes payments when purchasing products, etc. In a system that performs debiting from the shopping balance storage area of the IC card, the balance of the shopping account and the shopping balance storage area is updated by inserting the IC card into an automatic transaction processing device and transferring or inserting cash from the deposit account. By making it possible to do this, it is possible to simplify procedures, save labor at counter operations, and eliminate procedural errors by eliminating the work of staff.

(C) Prior Art and Its Disadvantages Currently, as part of cashless transactions, a system in which so-called shopping, such as purchasing products, is carried out using an IC card is being experimentally conducted.

In this system, when a customer sets up a shopping account at a financial institution and deposits cash into this account, the amount is stored in the shopping balance storage area of the IC card. When you purchase a product, etc. at a store, insert the IC card into the IC card reader/writer installed at that store, deduct the price of the purchased product, etc. from the balance stored in the shopping balance storage area ( (withdrawal) in place of payment.

Updating the balance in the shopping balance storage area of the IC card has conventionally been carried out using the following procedure. When a customer brings an IC card to a financial institution's counter, the financial institution's staff first withdraws cash from the customer's savings account, then deposits the cash into a shopping account and writes the above information to an offline IC card reader/writer. The balance in the shopping balance storage area is updated with the same amount as the amount deposited into the shopping account by inserting the IC card.

However, in such a balance update method, (1) a request must be made at a counter, which makes the counter crowded and takes time; Moreover, it takes time and effort for the staff.

■Since the balance in the shopping balance storage area of the IC card is updated offline, there is a possibility that the balance may be erroneously updated with a different amount from the shopping account update data set in the center file.

■Items can only be processed during the counter's business hours.

■The three tasks of withdrawing cash from a savings account, depositing cash into a shopping account, and updating the shopping balance storage area are required separately, and are time consuming and complicated.

There are drawbacks such as the following, and the efficiency of online transactions at financial institutions is reduced.

(d) Purpose of the Invention In view of the above-mentioned drawbacks, the object of the present invention is to provide an IC card system that allows users to update the shopping account of the center file and the shopping balance storage area of the IC card by themselves through online processing. do.

(e) Structure and effect of the invention The present invention includes a shopping balance storage area that stores the balance of a shopping account set up at a financial institution, and stores the details of each transaction at a store or the like, and stores the shopping balance. An IC card system having an IC card in which the balance of an area is updated, comprising an IC card reader/writer, and means for transferring an amount specified by a customer from a savings account to the shopping account, or depositing accepted cash into the shopping account. and means for updating the balance in the shopping balance storage area of the IC card accepted by the IC card reader/writer with the amount.

With the above configuration, according to the present invention, ■Customers can insert their IC cards into the automatic transaction processing device and update their balances themselves by making transfers or inserting cash, eliminating the need to visit a counter. , congestion at the counter will be alleviated and the labor of staff will be saved.

■ Transfer deposits from savings account to shopping account and I
Since the balance in the shopping balance storage area of the C card is automatically updated, processing can be completed in a short time, and data discrepancies between the shopping account and the shopping balance storage area due to operational errors can be prevented.

■Even if the counter is not open for business, for example on a holiday, if the automatic transaction processing device is in operation, the balance update process can be performed.・ Benefits such as:

(f) Embodiment FIG. 1 is a diagram showing the configuration of an IC card system that is an embodiment of the present invention. The IC card 1 is an automated teller machine (hereinafter referred to as "ATMJ") 2, which is an automatic transaction processing device.
is inserted into the shopping balance storage area (M2: see Figure 5)
Receive processing such as updating the balance. When purchasing products at each store, use the IC card reader/
is inserted into the writer, and the price of the purchased item is debited from the shopping balance storage area. This IC card reader/writer has a memory (usually a floppy disk) that stores the debited amount, i.e., the price of the sold product, and later reads the data at the financial institution and receives cash etc. corresponding to the debited amount. .

FIG. 2 is an external view of the ATM. An IC for inserting the IC card 1 is provided on the vertical operation panel surface on the front of the device.
A card insertion slot 219, a bankbook insertion slot 22, and a magnetic card insertion slot 23 for deposit accounts are provided. There is a banknote deposit/withdrawal slot on the horizontal operation panel 24. CRT25. A coin withdrawal port 27 is provided. CRT25 is AT of this invention.
In addition to displaying instructions for operating the M's functions, it also displays input keys that the customer should press. A transparent touch panel switch 26 is installed on the surface of this CRT 25.
Pressing of various keys displayed on the CRT 25 is detected.

FIG. 3 is a schematic diagram showing the configuration of the IC card 1. As shown in FIG.

A microcomputer 1° consisting of a CPU IQa and a memory 10b (see FIG. 4) is provided inside. A shopping balance storage area and the like for storing the amount deposited in the shopping account is set in the memory (see FIG. 5). On the surface of the card, a magnetic stripe 12 is formed which records the terminal 11 of the microcomputer 10, the password of the deposit account, the account number, etc. Here, the term "deposit account" refers to a savings account at a bank or the like.

FIG. 4 is a block diagram of the control section of the ATM 2 and the IC card 1. The CPU 28 of the ATM 2 includes a ROM 29 that stores programs and the like. RAM that stores data etc.
30 is connected, and an interface 31 is also connected. The interface 31 has the CRT
25. In addition to the touch panel switch 26, an IC card reader/writer 341 communicates data with the IC card inserted in the IC card insertion slot 21; a bankbook printing machine 357 that prints transaction details on the passbook inserted in the bankbook insertion slot 22; a banknote processing unit 36 for processing deposits and withdrawals of money, a coin processing unit 372 for processing deposits and withdrawals of coins, a slip processing unit 38 for printing a transaction statement when a transaction is performed without a passbook inserted, and a system for communicating with the center. A communication processing section 39 is connected.

As mentioned above, the IC card 1 inserted into the IC card insertion slot 2 is connected to the IC card reader/writer 34, and the IC card 1 has a built-in microcomputer 10 consisting of a CPU 10a and a memory 10b. .

FIG. 5 is a partial configuration diagram of the memory of the IC card 1. As shown in FIG. Area M1 includes the bank number and bank number to identify the card.
Unique data such as the owner's name and password are stored, and area M2 is set as a shopping balance storage area. The amount transferred to the shopping account at the bank is stored in this area, and each time the customer makes a purchase, the purchase price is deducted from the customer's balance using an IC card reader/writer at the store. Area M3 is an area that stores the details of each purchase (transaction).

This area is divided into 100 transaction data storage areas, and each transaction data storage area stores the name of the store where the customer shopped and the price of the product. For each transaction, the transaction details are stored in this transaction data storage area,
When all of the storage areas have been stored, in subsequent transactions, the storage areas storing the oldest transaction data are sequentially rewritten with the latest transaction data.

FIG. 6 is a flowchart showing the main routine of the control section of the ATM.

When the power is turned on according to an instruction from the remote monitoring device, power-on processing such as initial setting of each part is performed in step nl (hereinafter, step ni is simply referred to as ni). n2 determines whether a power off instruction has been received from the remote monitoring device, and if it has received it, it proceeds to n1B's own power off processing operation, and if it has not received it, it performs preprocessing such as standby of each operating unit to start a transaction. The transaction type is displayed on the CRT 25 and the user is prompted to press the desired transaction key (n4). If it is determined at n5 that a customer has visited and any transaction key has been pressed, the process proceeds to n6 and subsequent steps, and if it is not determined that a transaction key has been pressed, the process returns to n2.

For n6 and below, processing corresponding to the pressed transaction key is performed. Deposit and pay in n6~nil.

It determines whether a transaction key has been pressed for entry into a passbook, inquiry about outstanding balance, transfer, or update the IC card balance, and if the depression of the transaction key is determined, it can be used to make a deposit, payment, entry into a passbook, inquiry about balance, transfer, or update the RC card balance, respectively. processing operation (n12~
Proceed to n17). If no transaction key is pressed, the process returns to n2.

FIG. 7 is a flowchart showing the operation when the IC card balance exchange transaction is selected in the operation shown in FIG. 6 and the shopping account and shopping balance storage area are updated by transfer from the deposit account.

The figure shows the operation of an ATM. At n20, turn on the solenoid of the IC card insertion slot 21 to open it and open the CRT.
25 will be displayed prompting you to insert an IC card. IC on n21
Wait until the IC card is inserted into the card insertion slot 21. When the IC card is inserted, data regarding the deposit account (account number, PIN number, etc.) of the IC card is transferred from the magnetic stripe to data regarding the shopping account (account number, shopping balance 7, etc.) is read out from the memory of the microcomputer (n22). Next, a numeric keypad is displayed on the CRT 25 to request the input of the bank account PIN number (n23), and when it is determined in n24 that the key was inputted, it is determined that the input PIN number has been read from the magnetic stripe. It is determined whether they match (n25). If they match, the correct password has been input, and the process proceeds to n26; if they do not match, the card is ejected and returned (n34), and the process returns to the main routine.

In n26, the amount to be transferred from the savings account to the shopping account is C.
Request input from the numeric keypad displayed on the RT25, and if the key strength for the amount is determined in n27, the amount and the deposit account data and shopping account data read in n22 are sent to the center and stored in the center file. Request rewriting (n28). The format of the message to be sent is shown in FIG. 9 (5). The message consists of the deposit account data, shopping account data, and transfer amount. When a reply message is received from the center at n29, the content of the message is determined at n30. If the content of the message is a message indicating that the rewriting of the center file has been successfully completed, proceed to n31 and update the contents of the shopping balance storage area of the IC card with the transfer amount, and then notify that the process has been successfully completed. Display it on the CRT 25 and return the IC card (n32). If it is determined in n33 that the IC card has been removed, the process returns to the main routine. If the message from the center is a message indicating that the file was not rewritten normally, the process proceeds to n35 based on the judgment in n30, where a display indicating that transfer is not possible is displayed on the CRT 25 and I
Return the C card and proceed to n33. If it is determined in n33 that the IC card has been removed, the process returns to the main routine.

(B) of the same figure shows the center processing. When the power is turned on and the operation starts, first, at n40, power-on processing such as initial setting is performed. At n41, it is determined whether or not there is a power off instruction, and if there is a power off instruction, the device performs the power off process at n41' and then turns off the power itself to end the operation. If there is no power off instruction, it is determined whether or not a message has been received from the terminal (ATM), and if so, if it does not proceed to n43 or below, n41
Return to

When the message is received and the operation proceeds to n43, the contents of the received message are analyzed in n43, and the contents are determined in n44.

If the message is an update message for a shopping account in the center file, the process proceeds to n45, where the transfer amount is withdrawn from the deposit account file, and the amount is deposited into the shopping account file to update the balance (n46). At n47, it is determined whether the above file has been updated normally, and if it has been done normally, a message indicating normal termination is sent to the terminal (n48), and if it has not been done normally, a message indicating abnormal termination is sent to the terminal. When the transmission is completed (n49), the operation ends and the process returns to n41.

Please indicate that you have received a message other than updating the balance of your shopping account.
44, perform the corresponding processing (n50
), when the process is completed, the process returns to n41.

FIG. 8 is a flowchart showing the operation when the IC card balance exchange transaction is selected in the operation shown in FIG. 6 above, and the shopping account and shopping balance storage area are updated with cash simultaneously inserted.

In the same figure (Al indicates the operation of the ATM. At n51, the solenoid of the IC card insertion slot 21 is turned on and opened, and C
A display prompting the RT25 to insert an IC card is displayed. At step n52, wait until the IC card is inserted into the IC card insertion slot 21, and when the IC card is inserted, data related to the shopping account (account number.

After reading the shopping balance amount from the memory of the microcomputer (n53), the banknote deposit/withdrawal port 24 and the coin deposit/withdrawal port 27 are opened, and a display requesting the insertion of cash is displayed on the CRT 25 (n54). If it is determined that the money has been deposited, it composes the message shown in Figure 9 (Bl) and sends the file update message to the center (n56).The message consists of the account number of the shopping account and the amount of cash deposited. When a reply message from the center is received in response to the transmitted message at n57, the content of the message is determined at n58.

If the content of the message is a message indicating that the rewriting of the center file has been successfully completed, proceed to n59 and update the contents of the shopping balance storage area of the IC card with the transfer amount, and then inform that the process has been successfully completed. Display on CRT25 and IC
Return the card (n60). If it is determined in n61 that the IC card has been removed, the process returns to the main routine. If the message from the center is a message indicating that the file was not rewritten normally, it will be determined by n62 as determined by n58 above.
At step n62), the user displays on the CRT 25 that the account balance cannot be updated, and returns the inserted cash (n, 62), confirms that the cash has been removed at step n63, and then returns the IC card (n64). After confirming that the IC card has been removed using n65, the process returns to the main routine.

In the same figure (Bl is the process of the center. When the power is turned on and operation starts, n66 first performs power-on processing such as initial settings. N67 determines whether or not there is a power-off instruction, and If there is, it performs the power off process of n76 and then turns off the power itself and ends the operation.If there is no power off instruction, it should judge whether or not there is a message received from the terminal (ATM) n68), that's it. If the process does not advance to n69 or below, it returns to n67.

When the message is received and the operation proceeds to n69, the contents of the received message are analyzed in n69, and the contents are determined in n70.

If the message is an update message for the shopping account in the center file, the process advances to n71 and the cash input amount recorded in the message is deposited into the shopping account file to update the balance. n72
Determine whether the update of the above file was performed normally or not, and if it was performed normally, send a message indicating normal completion to the terminal (n73); if not, send a message indicating abnormal completion to the terminal. When the transmission is completed (n74), the operation ends and the process returns to n67.

Please indicate that you have received a message other than updating the balance of your shopping account.
70, perform the corresponding processing (n75
), when the process is completed, the process returns to n67.

As described above, according to this IC card system, the shopping account and shopping balance storage area can be updated by
It can be completed by simply inserting it into the TM and performing the prescribed operations, and since it does not require the intervention of a staff member, it can be done even outside of counter business hours, which saves time and prevents procedural errors. . Further, since the clerk does not have to perform the above-mentioned balance update work, it is possible to save labor. In addition, in this embodiment, since the magnetic stripe is formed on the C card, even when updating the balance of the shopping account by transfer, the IC card and the so-called cash card with the magnetic stripe can be used. There is no need to insert multiple cards into the device, simplifying customer operations.

[Brief explanation of drawings]

FIG. 1 is a diagram showing the configuration of an IC card system that is an embodiment of the present invention, FIG. 2 is an external view of an ATM used in the above IC card system, and FIG. 3 is an illustration of an IC card system used in the above IC card system. FIG. 4 is a block diagram of the control section of the ATM and IC card, FIG. 5 is a partial configuration diagram of the memory of the IC card, and FIG. 6 is a block diagram of the control section of the ATM and IC card.
Flowchart showing the main routine of TM, Fig. 7 (
5) and (B) are flowcharts showing the operations of the ATM and the center, respectively, when an IC card is inserted into the ATM and a shopping balance update transaction is performed by transfer from a deposit account.
Figure 9 (B) is a flowchart showing the operation of the ATM and the center when an IC card is inserted into the ATM and a shopping balance update transaction is performed with cash simultaneously inserted. It is a figure showing the structure of the telegram transmitted from the ATM to the center when updating the shopping balance, (B) shows the telegram at the time of transfer, and (B) shows the telegram at the time of inserting cash. 1-IC card, 2-ATM.

Claims (1)

[Claims] (1) An IC card that is equipped with a shopping balance storage area that stores the balance of a shopping account set up at a financial institution, and in which the transaction details are stored for each transaction at a store, etc., and the balance in the shopping balance storage area is updated. an IC card system comprising: an IC card reader/writer; means for transferring an amount specified by a customer from a deposit account to the shopping account; or means for depositing accepted cash into the shopping account;
An IC card system comprising: means for updating the balance in the shopping balance storage area of the IC card accepted by the IC card reader/writer with the amount.