JPS6270966A - Ic card off-line terminal - Google Patents

Abstract

PURPOSE:To obtain immediately the confirmation number of a card transaction by calculating this number based on the data for specification of the owner of a read card and the input transaction data and displaying the confirmation number. CONSTITUTION:When an article is purchased, an IC card is put into a card terminal 11. While a personal identification number PIN is supplied through a key input part 13. Then the PIN data is supplied to a central control part 22 and sent to the IC card via an IC card connection terminal 23 to undergo the collation. When the coincidence is secured from said collation, an OK message is sent to the card owner from the IC card and displayed. When the justice of the card owner is confirmed, a shop operator supplies the serial number of the receipt and the purchase amount AMT. Thus the part 22 reads the account number data PAN out of the IC card and latches them to a PAN register 44. Then a confirmation number calculating part 47 calculates the confirmation number of the card transaction and displays it at a display part 14.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention provides a method for verifying the validity of a card transaction on the spot when purchasing a product using an IC card used as a credit card for product transactions, for example. This invention relates to an IC card offline terminal that calculates and displays an approval number for approval.

[Conventional technology and its problems] Recent years have been called the cashless era, and by using cards issued by credit card companies, it has become possible to purchase products without handling cash. . Conventionally, plastic cards, embossed cards, magnetic stripe cards, and the like have been generally used as the above-mentioned cards, but these cards are easy to forge due to their structure, and unauthorized use has become a problem. In order to solve these problems, information cards, so-called IC cards, have recently been developed that incorporate an IC circuit that stores a PIN number, etc. into the card so that the PIN number cannot be read easily from the outside. . This IC card has the advantage that it is difficult to forge, has excellent confidentiality, and can store a large amount of information. However, when using an IC card such as the one described above as a credit card to actually conduct a product transaction, the IC card is inserted into an IC card terminal installed at a store, etc., and a PIN number is entered to input the card and the card. After confirming the authenticity of the owner, predetermined processing operations such as issuing a receipt are performed.

In this case, when purchasing a product for a certain amount, a card transaction authorization number (SAN: 5ales) will be sent to the receipt to authenticate the validity of the card transaction.
Approval No.) is generally printed. Here, the authorization number (SAN) is usually obtained by scrambling the purchase amount of the product by the cardholder, the bank account number, and the serial number of the receipt using a specific encryption code. This is done by the credit company that issued the IC card. That is, in the above-mentioned case, the store operator must make inquiries by phone to the credit company one after another in order to obtain an approval number for card transactions.

[Purpose of the Invention This invention was made in view of the above-mentioned problems.
To provide an IC card offline terminal that makes it possible to obtain an approval number for a card transaction on the spot, without having to make inquiries to a credit company one after another, even when a product is purchased for a certain amount or more using a credit card, for example. With the goal.

[Key Points of the Invention] In other words, the IC card offline terminal according to the present invention has a card mounting part that electrically connects to an IC card in which data for identifying the card owner is stored in advance, and a card attachment part that electrically connects to the IC card in which data for identifying the card owner is stored in advance, and transaction data such as purchase and sale amounts that can be input manually. and a key input section to input the cart transaction approval number based on the data for identifying the cart owner a read from the IC card connected in the card mounting section and the transaction data inputted from the key input section. It is configured to calculate and display this.

[Embodiments of the invention] An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows the external configuration of the IC card offline terminal when an IC card 12 is attached to the card terminal 11. A card insertion slot 15 for electrical connection with the IC card 12 is provided on the upper side of the display section 14 . The key input unit 13 includes calculation keys such as a numeric keypad and function keys, as well as PI
It has an N key 16, an AMOUNT key 17, and a NO key 18. The PIN key 16 is used to enter the cardholder's PIN number PI when verifying the IC card 12 attached to the card terminal 11 and the cardholder.
N(Personal Identification
This PIN is a code with a predetermined number of characters arbitrarily set by the card holder.

In addition, the AMOUNT key 17 is used for the IC card 1.
1, and the above NO, key 18.
These keys 17.1 are operated to manually enter the serial number of the receipt issued for the above commodity transaction.
The data entered in step 8 is the card transaction authorization number (S
used as data to obtain AN).

Next, FIG. 2 shows a cross-sectional configuration taken along the line A-A' when the IC card 12 is attached to the card terminal 11. In the figure, 21 is a circuit board inside the card terminal 11; A central control unit (IC) 22 is located at the center of the lower surface of this circuit board 21, and at an end on the same surface.
A connection terminal 23 for connection with the IC card 12 is provided. At the upper end of this card terminal 11,
An electronic cash register (
ECR) connection terminal 24 is provided, while the display section 1
4 has a liquid crystal display panel 25.

Next, the circuit of the IC card 12 (115
Explain the formation.

In the same figure, 31 is a central control section, and this central control section 31
includes data memory 32, transaction memory 33 and PIN
A collation unit 34 is connected. In the data memory 32, when the card 11 is issued, the card holder's bank account number PIN and the account number P of the cardholder's bank are stored.
AN (Primary Account N
amber), and an encryption code CA (CardAuthenticat) used for message encryption, etc.
.

r) is stored in advance, and in the transaction memory 33, for example, data such as II+'l deposit amount regarding commodity transactions is stored together with the date of the transaction. Further, the PIN verification section 34 stores the PIN number manually entered by the cart owner and the PIN number stored in the data memory 32 in advance when verifying the identity at the terminal 11. The PIN of the real cardholder is compared and verified, and if the verification unit 34 determines that the PIN matches,
A personal OK message is sent to the card terminal 11. Further, a connection terminal 36 is connected to the power distribution central control section 31 via an interface section 35. Here, the data memory 32 is composed of an EP-ROM, while the transaction memory 33 is
(8) are created in EEP ROM.

Next, according to FIG. 4, IC cart terminal 11
The configuration of the circuit Ill5 will be explained.

In the same figure, 22 is the central control section shown in FIG.
Key input unit 41 that controls the key functions 3, display control unit 42 that controls the display unit 14, and calculation unit 4 that operates when the above-mentioned electronic keyboard 138 is used.
3 is connected. The central control unit 22 also includes a PA
An approval number calculation unit 47 is also connected via an N register 44, an AMT register 45, and a NO register 46.

The PAN register 44 has the main cart terminal 11.
The PAN data read from the data memory 32 of the IC card 12 connected to the IC card 12, or the AMOUNT data entered manually via the IC card keyboard 13b, for example, when the product is sent to the AMT Renstar 45.
And NO2/Meta 46 also has the above product 111
When there are three people, the serial number data of the receipt entered manually via the IC cart keyboard 13b is latched. ”
The distribution approval number calculation unit 47 calculates each of the above registers 44 and 45.
．． PAM (account number) data manually entered through 46,
AMT (transaction amount) data, receipt serial number (No.
) The approval number calculation unit 47 is equipped with an approval number algorithm program storage unit 48 and an arithmetic circuit 49. Furthermore, an IC card connection terminal 23 and an ECR connection terminal 24 are connected in parallel to the central control section 22 via an interface section 50.

Next, Figure 5 shows the operation of displaying a card transaction approval number on the spot when a transaction is made using an IC card 12 for 1J items using an IC cart offline terminal configured like a ``Delivery''. This will be explained using flowchart 1 shown below.

First of all, car 1 and Tokogi person are products 11.1, 1. When a transaction is established with a store when carrying out a transaction, the IC card 12 is inserted into the cart insertion slot 15 of the card terminal 11. Then, the IC card 12 is attached to the card attachment part of the cart terminal 11 as shown in FIG. Here, in step S1, the cart owner
The personal identification number PIN is entered manually using the PIN key 16 from the key input section 13 of No. 1. Then, the PIN data generated by this key manual input is input to the central control unit 22 via the key manual control unit 41, and then to the PIN verification unit 34 in the IC cart 12 via the interface unit 50 and the IC card connection terminal 23. sent to. Then, in step S2, the key-powered PIN data launched in the PXN verification unit 34 is converted into the secret number PIN of the true owner of the card 12, which is stored in advance in the data memory 32.
Here, the key human-powered PI
If N and the true PIN match and it is determined that the person who keyed the PIN in the sleeve Sl is the true owner of the cart 12, the process advances to step S3, and the central control unit 3
1 transmits a personal OK message to the card terminal 11.

As a result, on the display section 14 of the card terminal 11,
A personal OK message (OK) will now be displayed via the display control unit 42, and by handing over the card terminal 11 to the store operator with this OK message still displayed, the operator can confirm the identity of the cart owner. You can confirm the gender.

On the other hand, if the principal OK message is not input to the card terminal 11 in step S3, -
An error message (ERRORj) is displayed on the h display section 14.
will now be displayed, and the store operator will enter the above PIN.
The key operator can confirm that the cart owner is an unauthorized cart owner.

When the authenticity of the cardholder is confirmed in this way, the store operator inputs the serial number NO1 of the receipt and the amount AMT of the product by the cardholder into A M OU of the key input unit 13 in step S4.
Manually using the NT key 17 and the NO, key 18. Then, the amount data (AMT) and the serial number data (No,) are latched into the AMT register 45 and NO, register 46 through the central control unit 22, respectively, in step S5, and together with this, -1- In step S6, the central control unit 22 reads the card owner's account number data PAN from the data memory 32 of the IC card 12 via the connection terminal 23, and causes the PAN register 44 to latch-set it. Then, the approval number calculation unit 47, in step S7,
Based on the data set at each of the registers 44, 45, and 46, the approval number of the cart transaction using the distributed IC card 12 is calculated, and the approval number data calculated by the approval number calculation unit 47 is calculated. is inputted to the central control section 22 in step S8, and is displayed on the display section 14 via the display control section 42.

As a result, the store operator can ask the credit company λ・
It is possible to obtain the approval number for the cart transaction without having to make a makeshift telephone call, etc., and this cart transaction approval number is sent to the embossed imprinter installed at each store. will be printed on the receipt and given to the cardholder. Here, the user signs the receipt given to him by the cart owner or the above-mentioned operator, and completes the entire transaction process using the IC card.

Therefore, by using the IC card off-line terminal configured in this manner, it is possible to obtain a transaction approval number on the spot where a card transaction is completed, and it becomes possible to execute transaction processing promptly.

In addition, in the above example, the purchase amount (AMT) of the product
and the receipt serial number (No.) are input using the key input unit 13, but these data can also be input from a cash register via the ECR connection terminal 24, for example.

[Effects of the Invention] As described above, according to the present invention, there is a card mounting part for electrical connection with an IC card in which data for identifying the card owner is stored in advance, and transaction data such as purchase and sale amounts are manually recorded. A key input section is provided, and a card transaction approval number is calculated based on data for identifying the card owner read from the IC card connected in the card loading section and transaction data input manually from the key input section. , and display this (1'4).For example, even if a product is purchased over a certain amount using a credit card, the authorization number for the card transaction can be displayed without the need to contact the credit card company one after another. It can be obtained on the spot.

This saves extra effort when making card transactions.

[Brief explanation of drawings]

FIG. 1 is an external configuration diagram showing an IC card offline terminal according to an embodiment of the present invention, and FIG. 2 is a vertical cross-sectional configuration diagram showing a state in which an IC card is mounted on a cart terminal used as the above-mentioned IC card offline terminal. , Fig. 3 is a block diagram showing the circuit configuration of the IC cart, Fig. 4 is a block diagram showing the circuit configuration of the card terminal, and Fig. 5 is a block diagram showing the circuit configuration of the IC card offline terminal. It is a flowchart showing the operation until obtaining a number. 11...Card terminal, 12...IC cart,
13...Key input section, 14...Display section, 15...
Card insertion slot, 17... AMOUNT key, 18...
・NO. Key, 23...Connection terminal for IC cart, 32...Data memory, 44...PAN register, 45...A
MT register, 46...NO, register, 47...
Approval number calculation department.

Claims (1)

[Claims] The card mounting section is connected to the card mounting section for electrical connection with the IC card in which data for specifying the cardholder is stored in advance, and the key input section for inputting transaction data such as the purchase and sale amount. An approval number calculation unit that calculates a card transaction approval number based on cardholder identification data read from the IC card and transaction data input from the key input unit, and a card transaction calculated by this approval number calculation unit. An IC card offline terminal characterized in that it is equipped with a display section that displays an approval number, and that the approval number can be obtained on the spot immediately upon conclusion of a transaction.