JPS63247866A - Firm banking system - Google Patents

Abstract

PURPOSE:To simply and quickly perform bank transfer jobs by carrying out the automatic transfer to the corresponding bank based on the data on a remittance list stored previously in an IC card. CONSTITUTION:A card issuing machine 6 of a main bank 2 issues an IC card 13 based on an IC card application form 4 and a transference list 5. The card 13 issued from the machine 6 stores a register number, a bank number, a branch number, a deposit type, transference name, an account number and an amount of money respectively in the form of a remittance list. Then the card 13 containing said remittance list is loaded into a terminal 14 owned by a customer himself/herself or a terminal 19 of the bank 2. The data on the remittance list are sent to a computer center 8 of the bank 2 via public circuits 15 and 16. Thus the automatic transfer is carried out to the relevant bank based on the data on the remittance list.

Description

DETAILED DESCRIPTION OF THE INVENTION [Technical Field of the Invention] The present invention relates to a farm Viking system that uses an IC card to enable bank transfer for transaction settlement.

[Prior art and its problems] Normally, when a company transfers money to a business partner for transaction settlement, the paying side writes the recipient, bank number, account number, amount, etc. By creating a list as a document and submitting it to the bank, the bank enters each item on the remittance list into a computer, executes the payment process between banks, and makes a bank transfer to the customer. There is.

However, creating a transfer list as a document on the paying side is not only time-consuming and troublesome, but also requires time to submit the document to the bank if sent by mail. In addition, direct delivery is inconvenient as it requires manpower, and the bank also has to re-enter each item in the transfer list of the submitted documents into the computer, which is time consuming and requires a lot of effort. This method had the disadvantage of extremely low work efficiency for transfers, such as the need for manpower.

[Object of the Invention] This invention was made in view of the above circumstances, and an object thereof is to provide a farm Viking system that can easily and quickly perform bank transfers for transaction settlement.

[Summary of the Invention] According to the present invention, a remittance list for remittances related to transactions is created and stored using an IC card, and by attaching this IC card to a terminal connected to a transaction bank, the IC card can be transferred to a bank. Automatic transfers are made to the corresponding business partners based on the data on the card's remittance list.

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

FIG. 1 shows a schematic configuration of the entire system of the same embodiment. In this case, this system consists of ``customer (company) 1, main bank 2, and other banks 3. - First, as shown in Figure A, the customer (company) 1 creates an IC card use application form 4 and a transfer destination list 5. in this case,
As shown in Figure 2, the IC card usage application form 4 includes "company name", "representative note name", "location", "telephone number", "bank number", "branch number", "deposit type", " account number",
Information such as ``account name'', ``company number (company code)'', ``designated date of transfer'', ``supervisor (person in charge) PIN number'', and ``handling person (person in charge) PIN number'' are entered. In addition, as shown in Figure 3, the remittance recipient's ``registration number'', ``recipient'', ``bank number'', - ``branch number'', ``account number'', and ``deposit type'' are provided for each recipient. be written. Here, the "registration number" is a three-digit number assigned to each transfer destination, that is, each recipient.

The "bank number" is written with a number determined by the Japan Bankers Association for each bank, and the "branch number" is written with a number determined by each bank for each branch. A code corresponding to the type of account (ordinary, current, general, etc.) is written in the "deposit type" field. Here, "01" represents a savings account and "02" represents a current account.

The IC card usage application form 4 and the transfer destination list 5 are delivered to the main bank 2 via the route B shown in the figure. In this case, possible methods of delivering the information to the main bank 2 include mailing or direct delivery.

The main bank 2 issues an IC card at C in FIG. In this case, the contents of the IC card use application form 4 and transfer destination list 5 sent from the customer (company) 1 are input into the card issuing machine 6. Various data input from the card issuing machine 6 are sent to the computer center 8 via the dedicated line 7 and written into a file 9. Further, a computer center 11 of another bank 3 is connected to this computer center 8 via a public line 10, and a card issuing machine 6
Various data inputted by the bank 3 are also sent to the computer center 11 of the bank 3 and written into a file 12.

In this way, the IC card 13 is issued by the card issuing machine 6, and the IC card 13 issued in this way has a remittance list of "registration number", "bank number", "branch number", etc., as shown in FIG. ”, “deposit type”, “recipient”,
Items such as "account number" and "amount" are stored. Here, "registration number", "bank number", "branch number", "
Regarding the "deposit type", "recipient", and "account number", the data is written based on the above-mentioned transfer destination list.
The column ``Amount'' is blank.

In addition to such remittance list data, the "supervisor (person in charge) PIN number" and "handler (person in charge) PIN number" of the IC card use application form 4 are also written.

Such an IC card 13 is sent to a customer (
company) 1. And, in illustration E, IC
A remittance list is created using the card 13.

In this case, the details will be described later, but the amount data for the "amount" section of the remittance list as well as the remittance amount are input.

IC card 13 with a remittance list created in this way
is attached to the terminal 14 owned by the customer (company) 1 itself via the route F shown in the figure, or to the terminal 19 owned by the main bank 2 via the route G shown in the figure. In this state, the remittance list data is sent from the terminal 14 or 19 to the computer center 8 of the main bank 2 via the public line 15, 16. In this case, the contents of the remittance list are
If it is for another bank 3, it will be computer processed at the computer center 8, and if it is for another bank 3, it will be computer processed at the computer center 11. After these processes are completed, the transfer list 17 is sent from the other bank 3 to the main bank 2 via the route H in the figure. Then, the main bank 2 creates a remittance list 18 including the contents of the remittance list 17, and delivers it to the customer (company) 1 via the route shown in FIG. In this case, the remittance list 18 may be printed out via the terminal 14.

Next, FIG. 5 shows an external view of a terminal 14.19 used in such a system. In the figure, 21 is the terminal body, and this terminal body 21
has an inclined surface 21a that is inclined toward the front, and two sets of keyboards 22 and 23 are provided on this inclined surface 21a. In this case, the keyboard 22 has 50 syllabary character keys from "A" to "N", a "・(" key, a "." key, a - "lower case" key, a "space" key, and an rENTERJ key. is a numeric key from "0" to "9", r00
0J key, “,” key, “↑” key, “↓” key, “=”
” key and “-” key. In addition, the inclined surface 21a
It has a rising part 21b rising at a steep angle behind it, and a liquid crystal display part 24 and a card mounting part 25 are arranged side by side on this rising part 21b.

Then, following this rising part 21b, a horizontal upper part -2
It has an IC, and a printer section 26 is provided on the upper surface portion 21c.

The upper surface portion 21c includes, as indicators 27, a power lamp 27a for indicating power on, a card lamp 27b for indicating that the card is in use, and a communication lamp 27c for indicating that data communication is in progress.

Next, FIG. 6 shows an external view of the IC card 13 installed in such a terminal 14, 19. In the figure, 31 is an IC card body, and this IC card body 31 contains an IC circuit and a power supply. Further, this IC card body 31 consists of two card pieces 31a and 31b, and these card pieces 31a and 31'b are attached to the hinge 32.
They are connected via a , making it possible to stack two of them. and,
A keyboard 33 is provided on one card piece 31a. This keyboard 33 includes a 0N10FFJ key that alternately turns the power on and off each time it is pressed, and a bank number (assigned to each bank by the Japan Bankers Association) for the transfer.

) "Bank number" key to check the bank branch of the transfer destination, "Branch number" key to check the branch of the transfer destination bank, "Deposit type" key indicating the account type of the transfer destination bank, e.g. current, ordinary, general, etc. rOJ ~ "9" numeric key, 3 digits 0
r000J key to input at the same time, rT to display the total amount by adding all the amounts on the card.
OTALJ key, erase data such as amount data entered by card and transfer port information (data entered from the terminal cannot be erased) rAcJ key, repeatedly set each mode of input and confirmation with each press operation. ``Manual/Confirmation'' key, ``Transfer Port'' key to display the previously specified transfer port, rENTERJ key, ``)'' key to move the display content horizontally with each press, and the display content with each press. "Urban" key to decrement (-1),
There is a "9" key that increments (+1) the displayed content each time it is pressed.

Furthermore, a solar cell 34 and a liquid crystal display section 35 are arranged in parallel on the other card piece 31b. Here, the liquid crystal display section 35 has a symbol display section 351 and a data display section 352, as shown in FIG. Here, symbol display section 351
The symbol r-Ja indicates that the battery built into the card is dead. In other words, the card contains a backup battery to hold data, but this indicates that this battery has reached the end of its lifespan. Also, this symbol °
"a" only lights up during operation, but immediately after power on,
Along with this display, rBattr is displayed in the data display section 352.
y Accompanied by the message of ChangeJ. symbol"
``Transfer port'' b indicates the transfer port, and is the same as the ``transfer port'' mentioned above.
Illuminated by key operation. In this case, when only looking at the recorded transfer port, the symbol "transfer port" b is displayed only while the "transfer port" key is operated, and the year and month recorded in the data display section 352 are displayed. The day is displayed. Further, when registering a transfer port, after operating the "transfer port" key, the symbol "transfer date" b is displayed until the series of registration operations is completed. Here, the year and/or month can be omitted from the transfer date displayed on the data display section 352. The symbol "Bank number □" C represents the bank of the transfer destination, and is displayed by operating the "Bank number" key described above.

In this case, when only viewing the recorded contents, the registration number data is displayed on the data display section 352 only while the "bank number" key is operated. Further, when registering a bank number, after operating the "Bank Number" key, the symbol "Bank Number" C is displayed until the series of registration operations is completed. Here, the numbers of the bank number displayed on the data display section 352 are determined by the Japan Bankers Association. The symbol "branch number" d represents the branch of the bank to which the transfer is to be made, and is displayed by operating the "branch number" key described above. In this case, when only viewing the recorded contents, the registration number data is displayed on the data display section 352 only while the "branch number" key is being operated. Further, when registering a branch number, after operating the "branch number" key, the symbol "branch number" d is displayed until the series of registration operations is completed. Here, the branch number displayed on the data display section 352 is determined by each bank.

The symbol "deposit type" e represents the type of account to which the money is to be transferred, and is displayed by operating the "deposit type" key described above. In this case, the registration number data is displayed on the data display section 352 only while the "deposit type" key is being operated. Further, when registering a deposit type, after operating the "deposit type" key, the symbol "deposit type" e is displayed until the series of registration operations is completed. The symbol "recipient" f represents the name of the recipient of the transfer, and the rENT immediately after the power is turned on.
It is displayed when a series of registration operations are completed using the ERJ key or the ")" key, or in various registration modes. At this time, the data display section 352 displays the recipient name of the registration number specified at that time. The symbol "account number" g represents the bank account number of the transfer destination, and is displayed by operating the rENTERJ key or the "φ" key when displaying the recipient. At this time, the data display section 352 displays the recipient's account number. The symbol "amount" h represents the amount to be transferred to the recipient, and when the recipient is displayed, r
Displayed by operating the ENTERJ key or the ")" key. It can also be displayed by operating the ENTERJ key or the φ key when displaying the account number. At this time, the data display section 352 displays the amount to be paid to the recipient of the registration number. "Registration number" i displays a list of transfer destinations registered in the card. In this case, the registration number is a three-digit number assigned to each transfer destination, and indicates the number of the customer currently being displayed. Also, the "registration number" i is displayed immediately after the power is turned on.
o 01'', and each time the ``9'' key is operated, the number is incremented, and each time the ``pot'' key is operated, the number is decreased.

Here, in the confirmation mode, an arbitrary registration number is set by the rENTERJ key after the numeric key in any symbol state. The symbol rP I NJj is displayed when the password registered on the card is compared with the password input from the outside. The symbol rlNJ is displayed by setting the manual mode, and here, the symbol rP I NJ with the rPJ part removed is used.

Returning to FIG. 6, the IC card body 31, that is, the card piece 3
The back surface of 1a has external connection contacts (not shown) connected to the above-mentioned terminals 14 and 19. This contact consists of 8 bottles.

Next, FIG. 8 shows the circuit configuration of the terminals 14 and 19. In the figure, 42 is a system bus, and this system bus 42 includes a central control unit 43, a working RA
M44, main program ROM 45, encryption key memory 46, clock section 47, memory R/W (read/write)
Controller 48, decryptor 49, comparator 50, IC
A card ink face 51, an input/output control section 52, a tone generation section 53, a key controller 54, a display driver 55, an indicator driver 56, and a blink controller 57 are connected.

Here, the central control unit 43 provides control signals to each circuit depending on the operating state of the system. Working RAM 44 is I
Each code sent from the C card 13 is stored, as well as various processing data within the terminal 14.19. The main program ROM 45 stores various system programs and a terminal-specific code TCN for IC card authentication. The encryption key memory 46 stores an encryption key, and the encryption key is used for encryption and decryption by the decryptor 49.

The clock section 47 measures the current date and time. In this case, the clock section 47 is connected to a backup power source 471. The memory R/W controller 48 controls reading and writing to the storage memory 58 according to instructions from the central control unit 43. The comparator 50 compares the data decrypted by the decryptor 49 with the data from the working RAM 44 or the main program ROM 45, and provides the comparison result to the central control unit 43. The IC card interface 51 receives data from the IC card 13 and also inputs data encrypted by the decryptor 49 or data stored in the working RAM 44.
It is sent to the C card 13. A card mechanism section 59 is connected to this IC card ink face 51. This card mechanism section 59 is to which the IC card 13 is attached, and has contacts, a lock, a shutter, and the like. The input/output control unit 52 controls input/output of data to the public line, and is connected to a network control unit 61 via a modem 60. The tone generator 53 is configured to automatically output a dial signal for calling the center via the network control unit 61. The key controller 54 provides a sampling signal to the keyboard 22.23 of the terminal 14.19 to detect key input data. The display driver 55 controls the display on the liquid crystal display section 24 described above. Indicator driver 56 controls the display of indicator 27. The printer controller 57 controls the printing operation of the printer section 26.

Note that 62 is a power supply unit that generates a driving voltage for each circuit from a commercial power source of 100 V, and 63 is an oscillator that generates a system clock signal to be supplied to each circuit.

Next, FIG. 9 shows the circuit configuration of the IC card 13. In the figure, 71 is a system bus, and this system bus 71 includes a buzzer driver 72, a central control unit 73,
Working RAM74, main program ROM75,
Adder/subtractor 76, memory controller 77, clock section 78,
Comparator 79, input/output control unit 80, key controller 81
, a display controller 82 are connected.

Here, a buzzer 83 is connected to the buzzer driver 72 to output an alarm sound as necessary. The central control unit 73 provides control signals to each circuit depending on the operating state of the system. The working RAM 74 stores each code sent from the terminals 14 and 19, as well as various processing data within the IC card 13. The main program ROM 75 stores various system programs. The memory controller 77 controls writing and reading to and from the storage memory 84 .

In this case, the storage memory 84 is composed of a RAM, and is supplied with backup power from a power supply section 85. In addition, the storage memory 84 stores data such as a remittance list, a supervisor (person in charge) password, and a handler (person in charge) password.

Here, when the power supply section 85 is used by the IC card 13 alone, the built-in power supply battery 86 and the above-mentioned solar cell 34 are supplied through diodes 851 and 852. in this case,
Due to the action of the diodes 851 and 852, those with higher output voltages are supplied preferentially. On the other hand, when attached to the terminal 14.19, the Vcc power supply supplied to the Vcc terminal (the voltage of this Vcc power supply is set higher than the voltage of the battery 86 and the solar cell 34) connects the diode 853.854. be supplied preferentially through

Here, 855 is a voltage level detection circuit, and a detection signal is sent to the central control section 73.

The clock section 78 measures the current date and time.

This clock section 78 is also supplied with backup power from the power supply section 85. The comparator 79 compares the data provided by the input/output control section 80 with the data from the working RAM 74 or the main program ROM 75, and provides the comparison result to the central control section 73. The input/output control unit 80 receives the input data terminal IDA from the terminal 14.
Input data given to TA is given via input buffer 87, and output data is given to output buffer 88.
from output data terminal 0DATA through terminal 14
give to Here, the C1ock terminal is the input buffer 87
and provides a clock signal from terminal 14 to output buffer 88. Further, the input/output control section 80 provides a Busy signal to the terminal 14 via the BusyO terminal, and a Busy signal is also provided from the terminal 14 via the Busyl terminal. The key controller 81 provides a sampling signal to the above-mentioned keyboard 33 to detect human key data. The display controller 82 controls the display on the liquid crystal display section 35 described above.

Note that 89 is an oscillator that generates a system clock signal φ to be supplied to each circuit.

Next, the operation of the embodiment configured as described above will be explained according to the flowchart shown in FIG.

First, on the customer (company) side, an application form for using an IC card is created in step A1, and a transfer list is created in step A2. The IC card use application form and transfer list in this case are as shown in Figures 2 and 3.
The explanation here will be omitted. These IC card use application forms and transfer lists are then brought to the main bank and
In order to issue a card, data is input to the card issuing machine 6 described above. In this case, the card is initialized in step A3, and necessary data is written in step A4. In this case, the data written to the IC card 13 includes the remittance list shown in FIG. 4, "supervisor (person in charge) PIN number", "handler (person in charge) PIN number", etc.

The IC card 13 thus issued is delivered to the customer (company), and a remittance list is created in step A5. Here, when creating a remittance list, the IC card 13 has a remittance list creation function 13a and a confirmation function 13b after creating the remittance list, as shown in FIG. It enables various operations such as data correction 13 a 2 and created data confirmation 13 b 1 as a confirmation function 13 b.

In this case, to create a remittance list, first
The input mode is set by operating the "input/confirmation" key on the keyboard 33. Then, after instructing the transfer date designation mode using the "transfer date" key, and then inputting the actual month and day using the numeric keys, when the rENTERJ key is operated, these data are written into the storage memory 84.

In addition, by setting the input mode using the "Enter/Confirm" key, the "Registration number" i on the display section 35 is set to the first registration number ro.
01J is displayed, and the registration number r0 is displayed on the data display section 352.
The "recipient" item corresponding to 01J is displayed. In this state, if you operate the "Scratch" key, the "Account number" item will be displayed, and if you continue to operate the "Scratch" key, the "Amount" will be displayed.
items are displayed. That is, by operating the "φ" key, the items "recipient", "account number", and "amount" corresponding to the registration number ro01J are displayed in order. Then, by performing such operations, the user selects the item "Amount", inputs the actual amount using the numeric keys, and then operates the rENTERJ key. As a result, the amount data is written in the "Amount" field of the remittance list.

Next, when you operate the rQJ key on the keyboard 33, the registration number is incremented (+1), and the next registration number ro
02J is displayed. In this case as well, the registration number r0
After selecting the "amount" item corresponding to 02J and inputting the actual amount using the numeric keys, the amount data is written in the "amount" item of the remittance list by operating the rENTERJ key.

Thereafter, in the same way, by operating the "9" key to increment the registration number, select the "Amount" section, and enter the amount data, the amount data will be written in the "Amount" field of all remittance lists. be included.

If you want to enter the amount data by specifying the registration number, enter the registration number using the numeric keys, and then press rE.
A desired registration number can be read by operating the NTERJ key. Furthermore, if you wish to return the registration number to the previous value, you may select the "amount" item while decrementing the registration number by operating the "urn" key.

Also, if you wish to modify some of the data in the remittance list created in this way, you can select the desired registration number and item and write new data in the same way as above. .

On the other hand, when confirming the contents of the created list, a confirmation mode is set by operating the "input/confirmation" key on the keyboard 33. Then, by selecting the desired registration number and item in the same manner as described above, the contents can be confirmed. In addition, in this case, the keyboard 33 “
When the "transfer mortar" key is operated, the symbol "transfer mortar" b is displayed during this key operation, and the data display section 3
A transfer mill is displayed at 52. Similarly, after selecting the desired registration number, if you operate the "Bank number" key, "Branch number" key, and "Deposit type" key, the symbol "Bank number" c1 symbol "Branch number" will be displayed during these key operations. Number J
d and the symbol "deposit type" e are displayed, and these data are also displayed on the data display section 352.

IC card 1 with a remittance list created in this way
3 is attached to the terminal 14.19, but in step A6, if the customer (company) has the terminal 14, the remittance operation is executed in step A7, whereas, on the other hand, if the customer (company) does not have the terminal 14 Then, the terminal 19 of the main bank executes the remittance operation shown in step A8. Here, such terminal 14.19 is
As shown in FIG. 13, it has a data registration function 14a and a data transfer function 14b, and the data registration function 14a is inputting a new transfer destination in the card 14a1, the data transfer function 14b is sending transfer money 14b1, and automatic message reception 14b2. , confirmation of registered account details 14b3, and other operations.

The remittance list data from IC card 13 is
By sending the transfer money using the data transfer function of terminal 14 or terminal 19, the main bank's computer center 8
sent to. In this case, if data processing of the remittance list is possible only at the same bank, that is, the main bank, in step A9, the computer processing is executed at the computer center 8 of the main bank, as shown in step AIO. Then, in step All, a result list is created,
Thereafter, the result list is delivered to the customer (company), and the result list is checked in step A12, and the process ends.

On the other hand, if the data processing of the remittance list is not possible at the same bank in step A9, after the computer processing at the computer center 8 of the main bank in step A13, the remittance list is processed at the computer center 11 of the other bank as shown in step A14. Computer processing is performed. and,
A result list is created in step A15 and delivered to the main bank, the result list is confirmed in step A16, and further delivered to the customer (company), and step A12
The result list is checked and the process ends.

Next, FIG. 11 explains the operations from creating a remittance list to transmitting data.

In this case, 0N10 of the keyboard 33 of the IC card 13
When the power is turned on by operating the FF key, after a predetermined initial operation, a message prompting the operator to input a personal identification number is displayed on the display section 35 in step B1. On the other hand, when the operator inputs his own personal identification number from the keyboard 33, the personal identification number stored in the storage memory 84 is read out in FIG. 9, and the two are compared in the comparator 79. Then, in step B2, if the two match and "OK" is confirmed, the process proceeds to step B3. However, if it is not possible to confirm the match in step B2 and the result is No, the process proceeds to step B4.

In step B4, the current number of inputs m is compared with the pre-allowed number of re-inputs n. If the current number of inputs m is smaller than n, +1 is added to the current number of inputs m in step B5, the process returns to step B1, and the same operation as described above is performed. Also, step B
If it is determined in step B4 that the current number of inputs m is greater than n, processing to disable the card operation is performed in step B6. Such an IC card 13 can be brought back into use at a bank later.

On the other hand, in step B2, "OK" is confirmed, and the process proceeds to step B3, where creation of a remittance list is permitted. The creation of the remittance list in this case is the same as described above, so the explanation here will be omitted.

When the creation of the remittance list is completed in step B3, the IC card 13 is inserted into the terminal 14 in step B7. Then, as a result of the registered account details confirmation operation of the data transmission function of the terminal 14, the details of the remittance list are printed out on the printer 26 under the control of the printer controller 57 shown in FIG. 8 in step B8.

Next, in step B9, the supervisor approves the contents of the printed remittance list. In this case, if supervisor approval is not obtained, step B
Returning to step 3, the remittance list is re-created or modified. On the other hand, if approval is obtained, the process proceeds to step BIO. In step BIO, a message is displayed on the display section 24 of the terminal 14 prompting the operator to input his/her personal identification number. In response, when the supervisor inputs his or her personal identification number from the keyboard 22, the identification number stored in the storage memory 84 in FIG. Both are compared. Then, in step Bll, if the two match and "OK" is confirmed, the process proceeds to step B12, but if it is determined that the two do not match and it is determined as No in step Bll, the process proceeds to step 813.

In step B13, the current number of inputs S is compared with the pre-allowed number of re-inputs n. and,
If the current number of inputs S is smaller than n, step B14
In step BI, add +1 to the current number of inputs S.
Returning to O, the same operation as described above is performed. Furthermore, if it is determined in step 813 that the current number of inputs S is greater than n, then in step B15 processing is performed to disable the card operation. Such an IC card 13 can be brought back into use at a bank later.

On the other hand, in step Bll, rOKJ is confirmed,
Proceeding to step B12, the transmission mode is set, and data is transmitted in step B16.

Therefore, in this way, it is possible to create a remittance list for transfers related to transaction settlement using an IC card, and by attaching such an IC card to a terminal connected to the bank, the IC card can be used to It is possible to send the remittance list data on the card to the bank and automatically transfer the money to the corresponding bank through computer processing, so you can create a remittance list for traditional transfers as a document and send it to the bank. Compared to having to deliver it and enter it into a computer,
To easily and quickly perform bank transfer operations.

It should be noted that the present invention is not limited to the above-mentioned embodiments, but can be implemented with appropriate modifications without changing the gist.

[Effects of the Invention] According to the present invention, a remittance list for remittances related to transactions is created in an IC card, and data on the remittance list is created by attaching such an IC card to a terminal connected to a transaction bank. Since the corresponding transfer can be automatically performed based on the information, the transfer operation to the bank can be performed easily and quickly. Furthermore, since the IC card itself can be provided relatively cheaply, the cost of the entire system can be realized at a low cost.

[Brief explanation of drawings]

Figure 1 is a schematic configuration diagram showing an embodiment of the present invention, Figure 2 is a diagram showing an application form for using an IC card used in the embodiment, and Figure 3 is a list of transfer destinations used in the embodiment. FIG. 4 is a diagram showing a remittance list used in the same embodiment, FIG. 5 is an external view of a terminal used in the same example, and FIG. 6 is an external view of an IC card used in the same example. ,
FIG. 7 is a schematic configuration diagram showing the display section of the IC card, FIG. 8 is a block diagram showing the circuit configuration of the terminal of the same embodiment, and FIG. 9 is a block diagram showing the circuit configuration of the IC card of the same embodiment. 10 and 11 are flowcharts for explaining the operation of the same embodiment, and FIGS. 12 and 13 are
The figure is a diagram for explaining the functions of the IC card and terminal used in the same embodiment. 1...Customer (company), 2...Main bank, 3...Other banks, 4...IC card use application form, 5...Payee list, 6...Card issuing machine, 8 .11...Computer center, 9.12...File, 13...IC
Card, 14.19...Terminal, 21...Terminal body, 22.23...Keyboard, 24...
Liquid crystal display section, 25... Card mounting section, 26... Printer, 33... Keyboard, 34... Solar battery, 3
5...Liquid crystal display section.

Claims (1)

[Claims] An IC card with a remittance list created and stored in advance for bank transfer related to transaction settlement is attached to a terminal connected to a bank, and the remittance list is transferred to the corresponding bank based on the data in the remittance list on the IC card. A farm banking system characterized by enabling automatic transfer of funds.