JPS6280761A - Ic card system - Google Patents

Abstract

PURPOSE:To attain balance inquiry and payment/deposit inquiry automatically by an easy operation by printing out or displaying a purchase balance and transaction data stored in an IC card by an automatic transaction processor. CONSTITUTION:The IC card 1 inserted to an IC card insertion port 21 is connected to an IC card reader/writer 34 and a microcomputer consisting of a CPU 10a and a memory 10b is built in the IC card 1. A paper money deposit/ payment port 24, a CRT (display means) 25 and a coin deposit/payment port 27 are formed on a horizontal console panel surface. The CRT 25 displays the guide of the ATM function and operating procedure or the like and also displays an input key to be depressed by a customer. A transparent touch panel switch 26 is arranged on the surface of the CRT 25 to detect the depression of various keys to be displayed on the CRT 25.

Description

Detailed Description of the Invention (a) Technical field This invention involves depositing cash in a financial institution, storing the amount as a balance on an IC card, and making payments when purchasing products, etc. from the balance stored on the IC card. This relates to an IC card system that uses debit cards.

(b) 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 this system, the IC card is debited from the shopping balance storage area of the IC card, and by inserting the IC card into an automatic teller machine, the money is transferred from the deposit account or inserted into the shopping account and the shopping balance storage area. In addition to being able to update the balance of
The contents of the shopping balance storage area and transaction data storage area of the card are printed or displayed.

Tel Prior Art and Its DisadvantagesCurrently, 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.

This system allows customers to set up a shopping account at a financial institution,
By depositing cash into this account, the amount is stored in the shopping balance storage area of the IC card. . When you purchase a product at a store, insert the IC card into the IC card reader/writer installed in the store, and deduct the price of the purchased product from the balance stored in the shopping balance storage area. ) in lieu of payment.

However, with conventional IC card systems, it is necessary to request a bank etc. to check the shopping balance and transaction data stored on the IC card, making it difficult for customers to check quickly and easily. There was a problem in that it was time-consuming for both parties.

(d) Purpose of the Invention The object of the present invention is to provide an IC card system that allows customers to check their balance and deposits and withdrawals by operating an automated teller machine (ATM).

(e) Structure and Effects of the Invention This invention comprises a shopping balance storage area for storing the balance of a shopping account set up at a financial institution and a transaction data storage area for storing transaction data for multiple transactions, I having an IC card that stores the details of each transaction and updates the balance in the shopping balance storage area.
The C card system includes a transfer means that includes an IC card reader/writer and transfers an amount specified by a customer from a deposit account to the shopping account or a deposit means that deposits accepted cash into the shopping account, and
balance updating means for updating the balance in the shopping balance storage area of the IC card accepted by the card reader/writer; and output means for printing or displaying the contents of the shopping balance storage area and the transaction data storage area of the IC card. It is characterized by being equipped with an automatic transaction device.

With the above configuration, when a customer inserts an IC card into the automatic transaction processing device and makes an inquiry, the automatic transaction processing device prints or displays the shopping balance and transaction data stored in the IC card. can be done. Therefore, balance inquiries or deposit/deposit inquiries can be performed with easy operations without human intervention.

(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 inserted into an automated teller machine (hereinafter referred to as rATMJ) 2, which is an automatic transaction processing device, and undergoes processing such as updating the balance in a shopping balance storage area (M2: see FIG. 5). When a product is purchased at each store 4, the IC card is inserted into an IC card reader/writer installed at that store, and the price of the purchased product 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, that is, the price of the sold product, and the data is read out at the financial institution for subsequent transaction, and cash etc. corresponding to the debited amount is stored. receive.

FIG. 2 is an external view of the ATM. The vertical operation panel on the front of the device has an interface for inserting the IC card 1.
A C-card insertion slot 212, a bankbook insertion slot/departure table outlet 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. CRT
25. A coin withdrawal port 27 is provided. CRT25
In addition to displaying information on the ATM's functions and operating procedures, it also displays the entry key that the customer should press. This CRT
A transparent touch panel switch 26 is installed on the surface of the CRT 25, and detects pressing of various keys displayed on the CRT 25.

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

A microcomputer 10 consisting of a CPU 10a and a memory 10b (see FIG. 4) is provided inside. A shopping balance storage area and the like are set in the memory to store the amount deposited in the shopping order (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 CPO28 of the ATM2 has a ROM29. 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 into the IC card insertion slot 21. It prints transaction details on the passbook inserted into the passbook insertion slot 22, and also prints the transaction details on the deposit/disbursement table. A printer 35 that prints shopping balances and transaction data, and a banknote processing unit 36 that processes banknote deposits and withdrawals. A coin processing section 372 that processes coin deposits and withdrawals, a slip processing section 38 that prints a transaction statement when a transaction is performed without a passbook inserted, and a communication processing section 39 that communicates with the center are connected.

As mentioned above, the IC card 1 inserted into the IC card insertion slot 21 is connected to the IC card reader/writer 4, 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,
Once 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.

Figure 6 (A), (B), (C), ('D)
, (E) is a flowchart showing the processing procedure of the control unit of the ATM. As shown in FIG. 6(A), a menu is first displayed on the CRT. When the customer selects and inputs an input from this menu display, the selected process is executed.

FIG. 6(B) is a flowchart showing the processing procedure for printing (writing) transaction data and shopping balances on the receipt/disbursement table. First, a display requesting to insert an IC card is displayed, and the inserted IC card is accepted (n 1
0-n 12) Displays a standby message such as "Please wait for a while" to the ATM user, and reads the contents of the memory in the accepted IC card (n14→n1)
6). Number of data that can be printed on one page of the entry/exit table (7 pieces)
Read the data from the latest data to the past data and print it on the entry/exit table (n 16-"n18
-"n20). Displays a message prompting you to receive the printed entry/exit table and releases it from the entry/exit table discharge port 22. If there is still data to be printed, either continue printing on the next entry/exit table, or Alternatively, a display asking whether to end here is displayed (n26-4A-n28).

FIG. 8 is a diagram showing an example of the display at this time. If you want to continue here, touch ``Enter j'', and if you want to finish, touch ``Exit''.
Touch. ``When entry j is operated, the next number of data to be printed is read out and the printing process is performed in the same way (
n 32-n 14-n 16-). When all data has been printed or when "end" is set as 1, a display indicating that the IC card is to be returned is displayed, the IC card is returned from the IC card insertion slot 21, and a display indicating that the process has been completed is displayed (n34- n
36→n38). Note that if no data is stored in the memory within the IC card, a display indicating that there is no data is displayed and the process ends (n18-"n40).

FIGS. 7(A) and 7(B) show the printing results of the entry/exit table obtained by the above process. Figure 7 (A) is the entry/exit table on the first page, where the 7th line shows the latest transaction data and the 1st line shows the past transaction data for 6 times (some data is omitted). . As is clear from the figure, the balance of 131,000 yen after the latest transaction data matches the printout of the previous balance, so it can be seen that this page is the result of printing the latest transaction data. Figure 7 (
B) represents the printing result of the second sheet of entry/exit table. The transaction data on the fourth line is one transaction data past the first line shown in Figure 7 (A), and the first line in Figure 7 (B) is the oldest (
first) represents transaction data. As is clear from the diagram, on this page, the balance is 100,000 yen and the total balance is 131.
．． 000 does not match, it can be known that there is an entry/exit table following this page.

FIG. 6(C) shows the processing procedure performed when balance inquiry is selected in the menu display. First, a display requesting the insertion of an IC card is displayed, the inserted IC card is accepted, and the shopping balance storage area in the memory of the IC card is read (n50→n 52-”n
54). The results are displayed on the CRT (n 56).

FIG. 9 shows an example of the display at this time. The user can know the shopping balance by looking at this display. After that, the IC card is returned from the IC card insertion slot, and when the user pulls out the IC card, the screen changes to the end display (n
58=n 60), step n20 shown in FIG. 6(B) and the printer 35 shown in FIG. 4, and step n56 shown in FIG. 6(C) and C shown in FIG.
RT25 corresponds to the output means of this invention.

FIG. 6(D) is a flowchart showing the operation when the IC card balance update transaction is selected in the menu display and the shopping account and shopping balance storage area are updated by transfer from the deposit account.

First, the solenoid of the IC card insertion slot 21 is turned on to open it, and a display requesting insertion of an IC card is displayed on the CRT 25. When the IC card is inserted, the data related to the IC card's savings account (account number, PIN number, etc.) is read from the magnetic stripe, and the data related to the shopping account (account number, shopping balance) is read from the memory (n74).
. Next, display the numeric keypad on the CRT25 to request the key input for the PIN number of the deposit account, and read the contents of the key input (
n76-"n78). Check whether the entered PIN number matches the one read from the magnetic stripe. If they match, the correct PIN number has been entered and the process goes to n82; if they do not match, the card is ejected and returned. (n98),
Return to main routine.

In n82, the amount transferred from the savings account to the shopping account is C.
Request input from the numeric keys displayed on RT25, and read the key input of the amount at n84. The input amount and the deposit account data and shopping account data read at n74 are sent to the center to request rewriting of the center file (n86). The message to be sent consists of the deposit account data, shopping account data, and transfer amount. When you receive a reply message from the center on n88,
The content of the message is determined by n90. If the content of the message is a message indicating that the rewriting of the center file has been successfully completed, n
After proceeding to step 92 and updating the contents of the shopping balance storage area of the IC card with the transfer amount, a message indicating that the process has been successfully completed is displayed on the CRT 25 and the IC card is returned (n 94).
). If it is determined in n96 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 rewriting was not performed normally, the process proceeds to n100 based on the judgment at n90, where a display indicating that transfer is not possible is displayed on the CRT 25 and the IC card is returned.

FIG. 6(E) is a flowchart showing the operation when depositing the inserted cash into the shopping account and updating the shopping account and shopping balance storage area. First, at n110, the solenoid of the IC card insertion slot 21 is turned on to open it, and a display is displayed on the CRT 25 prompting the IC card insertion slot. ! When the d-card is inserted, data related to the shopping account (account number, shopping balance) is read from the memory of the IC card, and then the banknote deposit/withdrawal port 24 and the coin deposit/withdrawal port 2 are read out.
7 is opened, and a display requesting the insertion of cash is displayed on the CRT 25 (n 116). If it is determined that cash has been inserted, a file update message is sent to the center (n120). In addition,
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 n122, the content of the message is determined at n124. If the content of the message is a message indicating that the rewriting of the center file has been successfully completed, the contents of the shopping balance storage area of the IC card are also updated with the input amount, and then
Displays on the CRT25 that the process has completed normally and displays the IC.
Return the card (n126→n128). n130
If it is determined 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 successfully rewritten, a message indicating that the account balance cannot be updated will be displayed on the CRT 25, and the deposited cash will be returned (n132), and the withdrawal of cash will be confirmed. After that, return the IC card (n132-”n13
4-n 136).

FIG. 10 is a flowchart showing the processing procedure of the center in the above processing. When the power is turned on and operation begins, first, power-on processing such as initial settings is performed at n200. At n202, it is determined whether there is a power off instruction, and if there is a power off instruction, after performing the power off process at n222,
It turns off the power and finishes its 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, the process proceeds to n206 and below, and if not, the process returns to n202.

When the message is received and the operation proceeds to n206, the contents of the received message are analyzed and the contents are determined in n208. If the message is a message for updating the shopping account in the center file due to a transfer transaction, the process proceeds to n210, where the transfer type is withdrawn from the deposit account file, and the amount is deposited into the shopping account file to update the balance (n212). At n214, it is determined whether the above file update was performed normally or not, and if it was performed normally, a message indicating normal termination is sent to the terminal, and if it was not updated normally, a message indicating abnormal termination is sent to the terminal. When the transmission is completed, the operation ends and the process returns to n202.

If the message received from the terminal is an update message for the shopping account in the center file due to a cash transaction, the process advances to n240 and the cash input amount recorded in the message is deposited into the shopping account file to update the balance.

At n242, it is determined whether or not the above file has been updated normally, and if it has been done normally, a message indicating normal termination is sent to the terminal (n244); if it has not been done normally, a message indicating abnormal termination is sent to the terminal. (n 246).

If the message received from the terminal is another message, n248
Processes each transaction accordingly.

Note that the series of processes shown in FIGS. 6(D) and 6(E) and FIG. 10 correspond to the transfer means, deposit means, and balance updating means of the present invention.

As described above, according to this IC card system, when updating the shopping account and shopping balance storage area, or printing or displaying the contents of the shopping balance storage area and transaction data storage area, the rc card is inserted into the ATM. The process can be completed by simply performing a predetermined operation, and does not require the intervention of a staff member, so it can be performed even outside of counter business hours, saving time and saving labor.

[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 RC card system, and Fig. 3 is an illustration of an IC card system used in the above IC card system. A schematic configuration diagram of the card, FIG. 4 is a block diagram of the control section of the ATV and IC card, FIG. 5 is a partial configuration diagram of the memory of the IC card, and FIG. 6 (A)
6(B) is a flowchart showing the main routine of the CPU of the control unit, FIG. 6(B) is a flowchart showing the processing procedure for printing IC card transaction data and shopping balance on the receipt/disbursement table, and FIG. A flowchart showing the processing procedure for checking balances, Fig. 6(D) is a flowchart showing the processing procedure for updating the shopping account and shopping balance storage area by transfer transaction from the deposit account, and Fig. 6(E) shows the processing procedure for shopping by cash transaction. Flowchart showing the procedure for updating the account and shopping balance storage area, FIGS. 7(A) and (B)
Figure 8 and Figure 9 are diagrams showing the printing results of the entry/exit table.
FIG. 10, which is a diagram showing an example of the TM display, is a flowchart showing the operation of the center. 1-IC card, 2-ATM.

Claims (1)

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