KR100240521B1 - Electronic wallet system - Google Patents

Abstract

IC card reader / writer that reads and writes data on IC cards and IC cards equipped with IC. The IC card is highly stable, easy to use, and can be automatically locked when the IC card reader / writer is unloaded. In the electronic wallet system having an IC card and an IC card reader / writer means for storing electronic money in order to automatically unlock the IC card and prevent unauthorized use of the IC card when loaded. The IC card reader / writer means loads the IC card into the IC card reader / writer, the IC card loader means for unloading the IC card from the IC card reader / writer means, and the IC card load control for controlling the load / unload operation of the IC card. A lock signal generating means for generating an IC card lock signal in accordance with the unloading operation of the means and the IC card load control means is provided.

By such a configuration, even when several registrars use one registrar, it is possible to prevent the illegal act of inputting cash information of another user into their IC card.

Description

Electronic wallet system

1 is a block diagram showing one embodiment of an electronic wallet system (with an IC card reader / writer having a lock function of an IC card) according to the present invention.

FIG. 2 is a block diagram showing one embodiment of the unlocked IC card of the electronic wallet system shown in FIG.

3 is a block diagram showing another embodiment of an unlocked IC card of the electronic wallet system shown in FIG.

4 is a block diagram showing another embodiment of the unlocked IC card of the electronic wallet system shown in FIG.

5 is a block diagram showing one embodiment of an electronic wallet system (with a lock function of an IC card) according to the present invention.

6A to 6D are timing charts showing the operation of the electronic wallet system shown in FIG.

7 is a block diagram showing one embodiment of an electronic wallet system with a contactless IC card according to the present invention;

8 is a block diagram showing an embodiment of an electronic wallet system having a non-contact type IC card with a built-in battery according to the present invention.

9 is a block diagram showing an embodiment of the electronic wallet system according to the present invention.

10 to 14 are block diagrams showing another embodiment of the electronic wallet system according to the present invention.

FIG. 15 is a block diagram showing one embodiment of an electronic wallet system according to the present invention corresponding to the embodiment shown in FIG.

Figure 16 is a block diagram showing one embodiment of the electronic wallet system according to the present invention.

FIG. 17 is a block diagram showing one embodiment of an electronic wallet system according to the present invention corresponding to the embodiment shown in FIG.

18 is a block diagram showing an embodiment of an electronic wallet system according to the present invention.

19 is a block diagram showing one embodiment of an electronic wallet system according to the present invention corresponding to the embodiment shown in FIG.

FIG. 20 is a block diagram showing an embodiment of an electronic wallet system that makes it impossible to repay an amount larger than a credit amount input to an IC card reader / writer.

FIG. 21 is a block diagram showing an embodiment of an electronic wallet system that makes it impossible to repay more than the amount of credit entered into an IC card.

22 is a block diagram showing an embodiment of the electronic wallet system according to the present invention.

Figure 23 is a block diagram showing another embodiment of the battery wallet system according to the present invention.

FIG. 24 is a block diagram showing an embodiment of an electronic wallet system that makes it impossible to repay an amount larger than a credit amount input to an IC card.

25 is a block diagram showing an embodiment of an electronic wallet according to the present invention.

The present invention relates to an IC card equipped with an IC and an IC card reader / writer for reading data from and writing data to the IC card. In particular, the present invention relates to a sales management system and a portable terminal of an electronic wallet system applied to an electronic wallet system using an IC card for storing cash information.

One example of a system using a microprocessor (CPU) or an IC card with a built-in memory is a newspaper article published by the Japan Economic and Industrial Newspaper Company (NIKKEI) published December 10, 1993 and JP-A-3-92966, JP-A- There is a system using an IC card for storing cash information described in 6-503913, JP-A-5-266273, JP-A-5-94458 and JP-A-1-231451. With this system, shopping and remittances are possible without a check or credit card. At the time of purchase, when the IC card is inserted into the reader / processor terminal at the retail store, the remaining balance of the IC card is displayed. If a password (ID) is entered, the amount used to purchase the item is transferred to the terminal. The retailer inserts its own IC card into the terminal to transfer the sales amount and deposits it into a bank account via an ATM (automated-teller machine). This payment is also available by phone.

When data necessary for payment and transaction are recorded on the IC card, data can be distributed and managed among the IC registered members, thereby realizing a cost-effective offline system. For example, daily transactions are recorded on the retailer's IC card, and sales are deposited into a bank account via ATM. As such, retailers and banks do not need to be interconnected online. Bank point of sales management system (POS) services that connect retailers and banks for 24 hours a day are expensive. If online throughput is concentrated during the same time, the response is often delayed. In some countries, where the line cost is high and the line conditions are bad, the IC card can be used offline for many advantages.

Unlike magnetic cards, copying and forging IC cards is not easy. However, IC card systems dealing with cash information have the following problems. The IC card may be stolen at the POS system's register, or data may be stolen from the IC card illegally.

When multiple registrars use one register of the IC card POS system, the registrar may illegally transfer cash information from the IC card that stores the cash information of the sales amount of the retail store to the IC card of the registrar. Currently, cash theft is a serious problem in a system that handles cash and uses one registrar in common at a department store or gas station.

The damage of cash theft at shops open 24 hours a day is increasing.

An object of the present invention is to have a high stability and easy to use, to automatically lock the IC card when it is unloaded from the IC card reader / writer (if removed), and when loaded (if fitted) It is to provide an electronic wallet system that automatically unlocks the IC card.

Another object of the present invention is to provide an electronic wallet system having a high stability and easy to use, and can prevent the illegal use of the IC card.

In order to achieve the above object, the present invention has the following features to solve the above problems.

[1] According to one aspect of the present invention, there is provided a means for detecting an unload of the IC card from the IC card reader / writer and notifying the IC card of the unload, and a means for locking the IC card. When this is loaded into the IC card reader / writer, a means for automatically releasing the lock of the IC card is provided.

(A) IC card lock / unlock means provided in the IC card reader / writer

Hereinafter, the IC card locking means will be described.

In an electronic wallet system having an IC card and an IC card reader / writer for storing electronic money information, the IC card reader / writer means includes an IC card in the IC card reader / writer for an interface unit for performing data transfer. An IC card loader unit for loading a card, a load controller for controlling the IC card loader unit, a switch used to unload an IC card from the IC card loader unit, an IC card lock signal generator and an interface for generating an IC card lock signal. Means for controlling. The switch used to unload the IC card from the IC card loader unit is connected to the IC card lock signal generator and the IC card load control unit, the IC card load control unit is connected to the IC card loader unit, and the IC card lock signal is The IC card is supplied to the IC card via the interface unit of the IC card reader / writer.

The electronic wallet system also includes a power supply detector and a data save signal generator for detecting whether a voltage applied to the system has a predetermined voltage value. The power detector activates the data evacuation signal generator and the IC card lock control device.

Next, the following three features (a) to (c) will be described as the IC card unlocking means corresponding to the above described IC card locking means.

(a) An IC card unlocking device comprising a combination of an IC card reader / writer and an IC card capable of reading and writing data in an IC card, wherein the IC card is provided with a IC card reader / writer in the loader section of the IC card reader / writer. A loader switch indicating whether it is loaded and a signal generator for generating an IC card unlocking signal. The loader switch activates the IC card unlock signal generator, and the IC card unlock signal is supplied to the IC card via the IC card reader / writer interface.

(b) The IC card reader / writer includes a current detecting device for detecting a current supplied to the IC card and the IC card unlocking signal generator. The current detecting means activates the IC card release signal generating device, and the IC card release signal is supplied to the IC card via the interface portion of the IC card reader / writer.

(c) The IC card reader / writer includes a reset signal detector for detecting a reset signal input to the IC card, an IC card voltage detector, and an IC card unlock signal generator. The voltage detector and the reset signal detector activate the IC card release signal generator, and the IC card release signal is supplied to the IC card via the interface portion of the IC card reader / writer.

(B) IC card lock / unlock means provided on the IC card

In an IC card unlocking device comprising a combination of an IC card reader / writer and an IC card capable of reading and writing data in an IC card, the IC card is a means for supplying power into a circuit of the IC card and a power supply to the IC card. In-circuit power supply unit, connection unit for receiving control signal from IC card, connection unit for transferring data between IC card and IC card reader / writer, memory (RAM) unit for storing data, central processing unit (CPU) ), A memory (ROM) section for storing a fixed program on the CPU, an in-circuit power supply voltage detector for detecting a supply voltage in the IC card, and an in-circuit supply voltage in the IC card when the supply voltage is lower than a predetermined value (a predetermined value). And a control device for releasing the lock of the IC card when the power supply voltage in the circuit in the IC card becomes higher than a predetermined value and a control signal (reset signal) is input.

(C) IC card lock / unlock system for performing data transfer between IC card and IC card reader / writer in a non-contact manner.

In an IC card lock / unlock system for performing data transfer between an IC card reader / writer and an IC card capable of reading and writing data on the IC card in a non-contact manner, the IC card stores a memory (RAM). Unit, a CPU for storing a fixed program on the CPU, a transfer unit for transferring data from the IC card, a modulation unit for modulating the data of the IC card, and an IC in the IC card. A receiver for receiving data from the card reader / writer, a demodulator for demodulating data from the receiver, a display for indicating the status of data transmission and reception, a means for checking the end of data transmission and reception, a means for supplying power into the circuit of the IC card at the receiver. A power supply voltage detector in a circuit for detecting a power supply voltage in the IC card, a data evacuation means that operates when the power supply voltage in the IC card is lower than a predetermined value; Means to lock the IC card after the end of data transmission and reception is confirmed, the means for checking the start of data transmission and reception, and the start of data transmission and reception when the power supply voltage in the IC card is higher than the predetermined value. And a control device for releasing the lock of the IC card after confirmation.

[2] Hereinafter, the features of the present invention for improving the stability of the IC card unlocking method described in the above [1] will be described. According to the following configuration, only a register (IC card reader / writer) assigned to a registrant can be used in a POS system.

(A) Three IDs of the IC card, the IC card reader / writer, and the user are inquired, and their respective locks are released.

In an IC card lock / unlock system configured by combining an IC card with an IC card reader / writer capable of reading and writing data on the IC card, the IC card reader / writer is an interface for data transmission on the IC card. A memory unit for storing data, an input unit for inputting data into the system, a means for controlling the memory unit, an input unit and an interface unit, and an ID of the IC card reader / writer, wherein the IC card is used to store the data in the IC card reader / writer. Means for performing the transfer, a memory (RAM) unit for storing data, a central processing unit (CPU) for storing data, a memory unit (ROM) for storing fixed programs on the CPU, and an ID of the IC card; Inquiry means for inquiring the ID of the reader / writer and the ID of the IC card, inquiry means for inquiring the ID input from the input portion of the IC card reader / writer and the ID of the IC card, and two inquiry means. And a control device for releasing the lock of the IC card when it is determined that the plurality of inquired IDs can be queried.

(B) According to another aspect of the present invention, the IC card reader / writer includes inquiry means for inquiring whether an ID input from the input portion of the IC card reader / writer is a high priority (administrator) ID, and the ID card is an IC card. If the ID input from the input unit of the reader / writer is a high priority (administrator) ID, the inquiry means for inquiring the ID of the IC card of the high priority (manager) ID and the high priority (manager) and the two harmonized means And a control device for releasing the lock of the IC card if it is determined that the ID can be viewed.

(C) According to still another feature of the present invention, two IDs of the IC card reader / writer and the user are inquired to unlock the IC card reader / writer. The IC card is automatically unlocked when loaded into the IC card reader / writer.

In an IC card lock / unlock system configured by combining an IC card with an IC card reader / writer capable of reading and writing data on the IC card, the IC card reader / writer is input from an input portion of the IC card reader / writer. Inquiry means for inquiring the ID and ID of the IC card reader / writer, and control means for releasing the lock of the IC card reader / writer if it is determined that the ID inquired by the inquiry means is inquireable.

[3] Next, the IC card is locked and a random number is generated and the random number is used as the ID of the IC card, thereby improving the safety of the IC card lock / unlock method described in [1] above. The other characteristic of this invention is demonstrated.

(A) The IC card generates a random number used as the ID of the IC card, and then locks the IC card.

In an IC card lock system comprising a combination of an IC card reader / writer and an IC card capable of reading and writing data on an IC card, the IC card includes an in-circuit power supply voltage detector for detecting a power supply voltage in a circuit of the IC card; A random number generator for generating a random number, a memory unit for storing the random number, and a control device for locking the IC card when the power supply voltage in the circuit of the IC card is lower than a predetermined value.

The IC card reader / writer includes an inquiry means for inquiring the ID inputted from the input of the IC card reader / writer and the ID of the IC card reader / writer, and a control device for releasing the lock of the IC card reader / writer. And a control device for releasing the lock of the IC card when it is determined that the ID inquired by the inquiring means is inquireable.

(B) The random number is generated by the IC card reader / writer and used as the ID of the locked IC card.

In an IC card lock system comprising a combination of an IC card and an IC card reader / writer capable of reading and writing data on the IC card, the IC card reader / writer is configured to generate a random number generator and a random number generating a random number. And a memory unit for storing as an ID of the IC card. The switch used when the IC card is unloaded from the loader section activates the random number generator to generate a random number stored in the memory section of the IC card, and the IC card lock control device then locks the unloaded IC card.

In an IC card lock system comprising a combination of an IC card reader / writer and an IC card capable of reading and writing data on the IC card, the IC card reader / writer is provided with an ID and an IC input from an input portion of the IC card reader / writer. An inquiry means for inquiring the ID of the card reader / writer, a control device for releasing the lock of the IC card reader / writer if it is determined that the ID inquired by the inquiry means is inquiryable, and means for reading the ID of the IC card. The IC card includes inquiry means for inquiring the ID read from the memory section of the IC card reader / writer and the ID of the IC card stored in the memory section of the IC card, and a control device for releasing the lock of the IC card.

(C) The memory section of the IC card lock system described in (A) above [3] has an ID having several different priorities. The IC card release control device of the IC card release system described in (B) above [2] includes means for updating the ID of the IC card.

[4] The characteristic of anti-fraud measures in the electronic wallet system is to prohibit repayment (payment) more than the amount of credit paid per transaction.

(A) An electronic wallet system comprising a combination of an IC card reader / writer for reading and writing data in an IC card and an IC card for storing electronic money information, provides credit for supplying cash information from the IC card to the system. Means; a payment means for supplying cash information from the system to the IC card; and a comparison means for comparing the amount of credit supplied from the IC card to the system with the amount of payment supplied from the system to the IC card, and after the credit means are operated. The payment means operates, and the credit means are controlled by the comparison result by the comparison means.

According to another feature of the electronic wallet system, the system includes a means for storing a credit amount supplied to the system, an IC card load detector and a credit means, a payment means, a comparison means and a control signal generator for initializing the credit amount, The IC card load detector activates the control signal generator, and the payment means is activated when the comparison means determines that the payment amount is smaller than the credit amount.

(B) An electronic wallet system using an IC card for storing electronic money information is a credit means for supplying cash information from a first IC card to a second IC card. Payment means for supplying cash information from the second IC card to the first IC card, the credit amount supplied from the second IC card to the first IC card, and the first IC card from the second IC card. And comparison means for comparing the amount of payment supplied to the user, after the credit means is operated, the payment means is operated, and the payment means is controlled by the comparison means.

[5] An electronic wallet system having an ID number specific to the system and having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC is provided to the IC card reader / writer. And an IC card loader means for executing the loading and unloading of the IC card, an IC card load control means for controlling the loading / unloading of the IC card, and an input unit for inputting data into the system. Unloading is activated in accordance with activation of the unloading operation and input of the system ID from the input unit.

[6] The system described in the above [5] includes a negative code generating device for generating a negative code, wherein the IC card activates an unload operation by the IC card load control means and inputs an ID different from the system ID from an input unit. And a memory section for storing the illegal code, wherein the negative code is generated and stored in the next unloaded IC card.

[7] The system described in the above [6] further includes communication means for automatically notifying a detection position of a designated negative code when a negative code is generated by the negative code generating device.

[8] In the system described in [6], when the IC card is unloaded without using the IC card load control means, a negative code is generated and stored in the IC card.

[9] The system described in the above [5] further includes a detecting unit that detects an illegal code from the IC card, and communication means for automatically notifying the detection position of the designated negative code when the negative code is detected by the detecting unit.

[10] An electronic wallet system using an IC card for storing electronic money information includes credit means for supplying cash information from a first IC card to a second IC card, and cash from a second IC card to a first IC card. Payment means for supplying information, a control unit for maintaining the normal state of the payment means for repaying the payment amount from the second IC card to the first IC card, emergency means for prohibiting the normal operation of the control device during an emergency period, emergency And automatically notifying the generation position of the designated illegal code in accordance with the generation of the illegal code from the negative code generating unit, the memory unit storing the negative code in the first IC card, and the negative code generating unit according to the means. Communication means.

[11] An electronic wallet system using an IC card for storing electronic money information includes credit means for supplying cash information from a first IC card to a second IC card, and cash from a second IC card to a first IC card. A payment means for supplying information and a comparison means for comparing the amount of credit supplied from the second IC card to the first IC card and the amount of payment supplied from the second IC card to the first IC card, After the credit means are operated, the payment means is operated, the payment means are controlled according to the comparison result by the comparison means, the first and second IC cards have a credit / payment history, and the first and second ICs. The payment method is controlled according to the inquiry of the credit / payment history of the card.

[12] An electronic wallet system having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card is used to transfer cash information from the IC card to the IC card reader / writer of the system. Credit means to supply, payment means for supplying cash information from the IC card reader / writer of the system to the first IC card, and the credit amount supplied from the IC card to the IC card reader / writer of the system, and the IC card reader / writer of the system A comparison means for comparing the amount of payment supplied to the IC card with the credit card, and after the credit means is operated, the payment means is operated, the payment means is controlled according to the comparison result by the comparison means, and the credit history and The payment method is controlled in accordance with the inquiry of the payment history of the IC card reader / writer of the system.

Hereinafter, the operation of the present invention will be described according to the above-described features of <1-12> of the present invention.

<Feature 1> In the present invention, when the IC card is unloaded from the IC card reader / writer, the IC card is automatically locked. When the IC card is loaded into the AC card reader / writer, the lock is automatically released.

<Feature 2> In the present invention, the stability of the IC card unlocking method described in the above [1] is improved, and the clerk can use only the register (IC card reader / writer) assigned to the registrar.

(A) When the lock of the IC card is released, three ID numbers of the IC card, the IC card reader / writer, and the user are inquired to improve stability.

When an ID is input at the input portion of the IC card reader / writer, the inquiry means inquires whether the ID indicates a high priority manager. If it is a high priority (administrator) ID, the CPU of the IC card is notified of this fact. The inquiry means inquires the high priority (manager) ID inputted from the input unit and the ID of the IC card of the high priority (manager) stored in the memory unit. If it is determined that the inquired ID is inquireable, the IC card is unlocked by the IC card release control device.

(B) Inquire two IDs of the user and the IC card reader / writer, and unlock the IC card reader / writer. The user can only use the IC card reader / writer assigned to the user.

<Characteristic 3> In the present invention, when the IC card is locked and a random number is generated and the random number is used as the ID of the IC card, the stability of the IC card lock / unlock method described in the above [1] is reduced. Is improved.

(A) Even if the IC card is stolen and other IC card readers / writers are used, the ID of the IC card is generated by a random number so that the cash information in the IC card is not stolen. Password is unknown

(B) In order to prevent the act of destroying the IC card reader / writer by the user and to facilitate the use of the electronic wallet system, a plurality of keys (passwords) are provided for each IC card. The first lock of the IC card is released by the high priority manager's password to discard the random number ID and use the registrant's own ID. The second lock of the IC card is released by this registrant's ID and the card is used. This improves the stability of the electronic wallet system and facilitates the use.

<Characteristic 4> In the present invention, a countermeasure against fraud of the electronic wallet system is provided to prevent repayment of an amount larger than the credit amount paid per transaction.

(A) In an electronic wallet system using an IC card, more than the amount of credit paid per transaction cannot be paid from the IC card to the register (IC card reader / writer). Also, if cash is not supplied from the IC card to the register, repayment is impossible. The transaction begins by loading the IC card into the register, and ends by unloading the IC card in the register. By such a configuration, even when several registrars use one registrar, it is possible to prevent the illegal act of inputting cash information of another user into their own IC card. The money can be repaid to the IC card while depositing the money to the register (IC card reader / writer).

<Characteristic 5-7> When the IC card storing the transaction of the retail store is unloaded from the registrant in a negative manner, the registrar generates a negative code and automatically records it on the IC card.

When a fraudulent code is generated at the register, it can be notified to the police or the like automatically.

After that, the IC card recorded with the fraudulent code cannot be used (cash information cannot be transmitted or received). When the illegal code of the IC card is detected in the register, it can be automatically notified to the police or the like. If a negative code occurs, the cash information and history in the IC card are stored in the memory section of the register.

<Characteristic 8-10> When cash information of an IC card storing a transaction in a retail store is transmitted to an IC card of robbery, the card records false codes, false cash information, and a history of generating false codes. After that, if a fraudulent code is detected, the cash information of the IC card storing the transaction of the retail store cannot be transferred to the IC card of strength.

When a fraudulent code occurs in the register, it can automatically notify the police or the like.

Thereafter, the IC card on which the negative code is recorded cannot be used. When the illegal code of the IC card is detected by the register, it can be notified to the police or the like automatically.

<Features 11-12> Countermeasures against fraud are provided, making it easier to use the electronic wallet system, and more than the amount of credit paid per transaction is not repaid to the registrar.

Following the electronic wallet system using the IC card, more than the amount of credit paid per transaction cannot be paid from the IC card to the register (IC card reader / writer). In addition, payment is not possible unless cash information is supplied from the IC card to the register. The transaction begins by loading the IC card into the register and ends by unloading the IC card in the register. By such a configuration, even if several registrars use one registrar, it is possible to prevent the illegal act of inputting cash information of another user into their own IC card. The money can be repaid to the IC card while depositing the money to the register (IC card reader / writer).

By this method, the electronic wallet system is somewhat inconvenient because cash information cannot be transmitted after a certain time has elapsed. To solve this, the history stored in the IC card is inquired. If it can be queried, a condition similar to that in which a credit amount is supplied to the registrar occurs, allowing repayment to the IC card.

The above and other objects, features and advantages of the present invention will become more apparent from the description of the present invention and the accompanying drawings.

EMBODIMENT OF THE INVENTION Hereinafter, embodiment of this invention is described with reference to drawings.

In the present invention, when the IC card is removed from the IC card reader / writer, the IC card is automatically locked, and when the IC card is inserted into the IC card reader / writer, the IC card is automatically released.

Hereinafter, various embodiments in which the IC card lock / unlock means is provided in the IC card reader / writer will be described with reference to FIGS. 1 to 6.

1 is a block diagram showing an embodiment of the present invention. In this embodiment, when the IC card 2 is pulled out of the IC card reader / writer 1, a control signal for locking the IC card 2 is generated by the IC card reader / writer 1 to generate the IC card ( Lock 2) automatically.

2 to 4 show another embodiment of the present invention. In these embodiments, when the IC card 2 is inserted into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1 to generate the IC. The lock of the card 21 is automatically released.

In FIG. 1, reference numeral 1 denotes an IC card reader / writer, 2 denotes an IC card, 3 denotes a network, 4 denotes a host computer, 11 denotes a controller, 12 denotes a monitor, or the like. A screen of the display unit, 13, an input unit such as a keyboard and a barcode reader, and 14, a memory unit. The interface unit 15 includes a terminal (power supply unit) 151 for supplying power to the IC card, a terminal (control signal input unit) 152 for supplying control signals such as a reset signal and a clock to the IC card, and an IC card and an IC card. And a data transmission terminal (data input / output unit) 153 between the reader / writer. The terminal device 16 is, for example, one of a personal computer, a POS terminal, an ATM, a handy terminal, a television terminal, a gate terminal, and an automatic dispenser terminal. Denoted at 17 is IC card lock control device, 18 at IC card unload switch, 19 at IC card load control device, 110 at IC card loader, 111 at AC / DC converter, 112 at The power supply detector 113 is a data evacuation signal generator.

In operation, the control device 11 controls the blocks 12, 13, 14, 15, and 16 of the IC card reader / writer 1. Data from the terminal device 16 is supplied to the host computer 4 via the network 3 and processed by the computer 4. The IC card is disposed on the loader 110 such as an IC card tray or slot of the IC card reader / writer 1. When the user presses the IC card unload switch 18 and pulls out the IC card from the IC card reader / writer 1, the IC card lock control device (IC card lock signal generator) 17 generates an IC card lock control signal. The IC card 2 is supplied to the IC card 2 via the data input / output unit 153 of the control unit 11 and the interface unit 15 to lock the IC card. At the same time, the IC card load control device 19 is operated to allow the user to withdraw the IC card from the IC card loader 110.

In the event of a power interruption, it is possible to lock the IC card and unload it in the IC card reader / writer 1 similarly to pressing the IC card unload switch. In particular, even if the power supply in the circuit of the display unit 11 and the input unit 13 is lowered as the power supply is lowered, the in-circuit power supply of the control unit 11, the memory unit 14, the interface unit 15 and other necessary blocks. Has an auxiliary battery (battery) or a large capacitor, so that the power supply in the circuit gradually decreases even when the power supply is cut off. The AC / DC converter 111 converts an alternating current (a. C.) Voltage into a direct current (d. C.) Voltage. The power supply detector detects whether a predetermined voltage is supplied.

If a predetermined voltage cannot be obtained, the data evacuation signal generator 113 supplies a signal to the control device 111 to prevent the data from being destroyed, thereby providing data to the IC card 2 and the IC card reader / writer 1. Evade. The IC card lock control unit 17 generates an IC card control signal, supplies it to the IC card 2 via the data input / output unit 153 of the control unit 11 and the interface unit 15, and locks the IC card. The IC card load control device 19 controls to unload the IC card 2 from the IC card loader 110. As described above, even when the power supply is lowered in the circuit of the display unit 11 and the input unit 13, the control device 11, the memory unit 14, the interface unit 15, and the IC card loader are lowered. Since the in-circuit power supply of 110 and other necessary blocks has an auxiliary battery or a large capacitor, the in-circuit power supply is gradually lowered even when the power supply is cut off. Therefore, it is possible to save data, to lock the IC card 2, and to unload the IC card 2 from the IC card loader 110.

Hereinafter, as a method of automatically releasing the lock of the IC card, a method of being used with the above-described IC card lock method to facilitate the use of the IC card reader / writer will be described.

2 is a block diagram showing another embodiment of the present invention. In the present embodiment, when the IC card 2 is loaded into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1 The lock on the IC card 2 is automatically released. The mechanical switch 115 is mounted on the IC card loader 110. When the IC card 2 is loaded correctly, the switch 115 is turned on and the IC card unlocking control device (IC card unlocking signal generator) 117 generates a control signal for releasing the lock of the IC card 2. do. This control signal is supplied to the IC card via the data input / output unit 153 of the control device 11 and the interface unit 15 to automatically release the lock of the IC card.

3 is a block diagram showing another embodiment of the present invention. In the present embodiment, when the IC card 2 is loaded into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1 to generate the IC. The lock of the card 2 is automatically released. The current detector 116 is connected to the power supply terminal 151 of the interface unit 15 to detect the amplitude of the current supplied to the IC card 2. When the IC card 2 is correctly loaded into the IC card loader 110, power is supplied from the power supply device 151 to the IC card 2 so that a predetermined amount of current flows. When the current detector 116 detects such a predetermined amount of current, the IC card release control device 117 generates a control signal for releasing the lock of the IC card 2. This control signal is supplied to the IC card 2 via the data input / output unit 153 of the control device 11 and the interface unit 15 to automatically unlock the IC card.

4 is a block diagram showing another embodiment of the present invention. In the present embodiment, when the IC card 2 is loaded into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1 to generate the IC. The lock of the card 2 is automatically released. The reset signal detector 118 is connected to the terminal 152 of the interface unit 15 used for inputting a clock, a reset signal and the like. When the IC card 2 is correctly loaded into the IC card loader 110, power is supplied from the power supply unit 151 to the IC card, and a reset signal is supplied from the control signal input unit 152. When the reset signal is input, all the operations of the IC card 2 are temporarily stopped except for the clock vibration, and the IC card 2 does not operate under unstable conditions in the circuit of the IC card 2. The input of the reset signal has a function of setting an initial value to a circuit used by the microcomputer in the IC card 2 (the microcomputer CPU of the IC card 2 will be described later with reference to FIG. 5). . After the power supply detector 119 detects that the circuit of the IC card 2 is stabilized and the reset signal detector 118 detects that the reset signal is input to the IC card 2, the IC card unlocking control device 117 generates a control signal for releasing the lock of the IC card 2. This control signal is input to the IC card 2 via the data input / output unit 153 of the control device 11 and the interface unit 15 to automatically unlock the IC card.

Hereinafter, another embodiment in which the IC card lock / unlock means is provided on the IC card will be described.

5 is a block diagram showing an embodiment of the present invention. In the present embodiment, when the IC card 2 is pulled out of the IC card reader / writer 1, a control signal for locking the IC card 2 is generated by the IC card reader / writer 1 to generate the IC card ( Lock 2) automatically. On the contrary, when the IC card is loaded into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1 to lock the IC card 2. Will be released automatically. The IC card 2 includes a ROM unit 21, a central processing unit (CPU) memory unit 23, and an interface unit 24. Data in the memory unit 23 is transmitted and received by the interface unit 15 in the IC card reader / writer 1 via the interface unit 24 and the CPU 11.

The data input / output terminal 243 of the IC card is connected to the data input / output terminal 153 of the interface unit 15 to transfer data therebetween. This is the same also in FIG. 14 and FIG.

6A to 6D are simplified timing diagrams. 6A shows the power supply voltage 241 supplied from the IC card reader / writer 1. 6B shows an in-circuit power supply voltage 244 used in the circuit of the IC card 2. FIG. 6C illustrates the detection voltage of the reset signal 245. FIG. 6D shows a signal generated by the IC card lock / unlock control device 26. As shown in FIG.

In the reset circuit for generating the reset signal 245, the reset input 242 gradually rises after a predetermined time determined by the capacitor C1 and the resistor R after the power is turned on. A few seconds after the power is turned on, the CPU 22 determines that the reset input is high level and starts executing the program stored in the ROM unit 21. When the power is turned off, the charge in capacitor C1 is quickly discharged through diode D1.

As shown in the timing diagrams of Figs. 6A to 6D, the low level of the reset 1 signal 245 is usually detected at a voltage of about 0.2 VR (VR of Fig. 6C). As in the case of a momentary power off, when the power supply voltage in the circuit of the IC card 2 is lower than the rated operating voltage and the power is restored immediately after, the reset signal can be input as indicated by the dotted line in FIG. 6C. none. To solve this problem, the capacitor C2 and the diode D2 are used to make the voltage drop rate of the in-circuit power supply voltage 244 slower than the power supply voltage 241 to the IC card.

The power supply voltage detector 25 detects the level of the power supply 241 to the IC card. When Vcc shown in FIG. 6A becomes less than or equal to the predetermined voltage detection level in (2) shown in FIG. 6D, the reset signal is set at a low level, and the IC card lock / unlock control device 26 supplies the lock control signal. On to lock the IC card (2). When Vcc shown in FIG. 6A is larger than the predetermined voltage detection level at ③ and the reset signal is input at (4), the lock control signal is turned off to turn off the IC card 2. Release the lock.

Hereinafter, another embodiment of the IC card lock / unlock control device in which data transfer between the IC card reader / writer and the IC card is executed in a non-contact manner will be described.

7 is a block diagram showing an embodiment of the present invention. This embodiment describes a method of locking / unlocking an IC card of a method (non-contact method) in which data is transferred in a contactless manner between the IC card reader / writer and the IC card while power is supplied from the outside to the IC card. When the IC card 2 is located at a position away from the IC card reader / writer 1 by a predetermined distance, a signal for locking the IC card 2 is supplied to automatically lock the IC card. In contrast, when the IC card 2 is located closer to the IC card reader / writer 1 within a predetermined distance, a signal for releasing the lock of the IC card 2 is supplied to automatically lock the IC card.

First, the locking method of a non-contact type IC card will be described. Data can be transmitted in a contactless manner through electromagnetic coupling, electromagnetic induction, microwave communications, optical communications, and the like. When transferring data from the IC card, the CPU 22 controls the modulator 29 by the ROM 21, and the modulated signal is transmitted to the IC card reader / writer 1 via the transmitter 27. . Data and other signals transmitted from the IC card reader / writer 1 are received by the receiver 28 and demodulated in the data demodulator 210. Externally, the contactless IC card can receive power via electromagnetic induction or other means. The power supply unit 211 generates in-circuit power to the IC card 2, and the power supply voltage detector 25 detects whether a predetermined power supply voltage is obtained. Otherwise, the data evacuation signal 214 is supplied to the CPU 22, and an instruction for raising the transmission power from the transmission power up unit 215 to the CPU 11 is supplied. The display of the reduced power supply voltage is displayed on the display unit 216 or known as a voice. A data transfer end check unit 212 may be provided to confirm whether data transfer is completed, and the data transfer end indication may be displayed on the display unit 216. After confirming that the in-circuit power supply voltage of the IC card 2 is lowered and that the data transfer end check section 212 indicates the end of data transfer, the IC card lock / unlock control device 26 locks the IC card 2. do.

Next, a method of unlocking the non-contact type IC card will be described. The data transmission start checker 218 detects a signal indicating the start of data transmission (this signal is replaced with a reset signal), and the power supply voltage detector 25 recognizes that the voltage is higher than the predetermined power supply voltage. Thereafter, the IC card lock / unlock control device 26 releases the lock of the IC card. The data transmission notice is displayed on the display unit 216.

8 is a block diagram showing an embodiment of the present invention. In the present embodiment, when the non-contact type IC card 2, which is externally powered, is located at a predetermined distance from the IC card reader / writer, the signal detector 219 detects that there is no signal, and the IC The card lock / unlock control device 26 supplies the lock control signal to the IC card 2 to automatically lock the IC card. Upon release of the locked state, if the signal detector 219 detects that there is a signal, the IC card lock / lock control device 26 supplies the lock release control signal to the IC card 2 to automatically lock the IC card. Release it. The battery 220 supplies power to each of the units and elements of the IC card 2.

Next, another embodiment in which the IC card unlocking method is stably improved will be described.

9 is a block diagram showing one embodiment of the present invention. In this embodiment, in order to ensure stability, three IDs of the user, the IC card dither / writer, and the IC card are inquired to release the lock of the IC card. After inquiring three IDs, the IC card lock is released. The user can only use the IC card / writer assigned to the user. When the IC card is locked, as described in FIG. 1, the IC card 2 is unloaded from the IC card reader / writer 1, and the IC card reader / writer 1 generates an IC card lock control signal. Lock the IC card (2) automatically.

Hereinafter, the unlocking method shown in FIG. 10 will be described. When the IC card 2 is loaded into the IC card reader / writer 1 and the user ID 131 is input from the input unit 13, the inquiry unit 330 passes through the control device 11 to the user ID and the IC card. The ID stored in the memory section 23 in (2) is compared. The inquiry section 330 and 331 are the ID 141 of the IC card reader / writer 1 stored in the memory section 14 of the IC card reader / writer 1 and the memory section 23 of the IC card 2. ID 231 of the IC card 2 stored in the &quot; If both IDs are found to be correct or readable in the inquiry section, the IC card release control device 26 releases the lock of the IC card 2 via the CPU 22. 332 is an AND circuit.

10 to 12 are block diagrams showing one embodiment of the present invention. In the embodiment shown in Fig. 9, the user can use only the IC card reader / writer assigned to the user. In the embodiment shown in Figs. 10 to 12, the user can use the IC card in several IC card readers / writers authorized by the administrator. According to this embodiment, it becomes convenient for an administrator to use the IC card reader / writer.

When the manager ID is input from the input unit 13 of the IC card reader / writer 1, the manager ID inquiry unit 120 inquires whether or not the manager's priority is high. If the priority of the manager ID is high, the manager ID with a high priority is notified to the CPU 22 of the IC card 2. The inquiry unit 333 inquires whether the high priority manager ID 232 stored in the memory unit 23 matches the high priority manager ID 132 input by the input unit 13. If possible, the IC card release control device 26 releases the lock of the IC card. The memory unit 14 stores an administrator ID 142 for managing the IC card reader / writer 1.

In this embodiment, both IC card readers / writers and IC cards store an administrator ID, and an administrator ID inquiry section is provided. In another embodiment, the manager ID may be stored only in the IC card reader / writer and the manager ID inquiry unit may be provided. Even in this case, when the administrator ID is queried, the lock of the IC card is released.

Similarly, the manager ID may be stored only in the IC card and a manager ID inquiry section may be provided.

13 is a block diagram showing another embodiment of the present invention. In the present embodiment, as shown in FIG. 1, when the IC card 2 is removed from the IC card reader / writer 1, the control signal for locking the IC card 2 is the IC card reader / writer. Generated by (1) to automatically lock the IC card. Conversely, as shown in FIG. 2, when the IC card 2 is inserted into the IC card reader / writer 1, a control signal for releasing the lock of the IC card 2 is generated by the IC card reader / writer 1; Is generated, and the lock of the IC card 2 is automatically released.

In the embodiment shown in FIG. 13, in order to ensure stability, two IDs of the user and the IC card reader / writer are inquired before releasing the lock of the IC card reader / writer 1. The user can only use the IC card reader / writer assigned to the user. When the user ID is input from the input unit 13, the inquiry unit 121 inquires the ID of the IC card reader / writer 1 stored in the memory unit 14. If possible, the IC card reader / writer unlock controller 114 outputs the unlock control signal to the controller 11 and releases the lock of the IC card reader / writer 1. After the lock of the IC card is released, the user ID input at the input unit 13 is stored in the memory unit 14 of the IC card reader / writer 1. Therefore, the user history of the IC card reader / writer can be known.

The following describes a system in which the IC card lock / unlock method is stably improved. In this system, the IC card is locked and a random number is generated and used as the ID of the IC card.

14 is a block diagram showing another embodiment of the present invention. When the IC card is unloaded from the IC card reader / writer, a random number is generated in the IC card 2 and a lock control signal is generated to automatically lock the IC card. The unlocking method is shown in FIG. In order to improve the stability, the IC card reader / writer 1 is unlocked after the IC of the user and the IC card reader / writer 1 are inquired. When the lock of the IC card reader / writer 1 is released, the lock control signal is output to the IC card 2 to automatically release the lock of the IC card 2. The user (registrar) can only use the IC card reader / writer 1 assigned to the user.

First, the locking method of the IC card 2 shown in FIG. 14 will be described. When the IC card 2 is unloaded from the IC card reader / writer 1, the power supply from the power supply terminal 151 of the interface unit 15 is stopped. The IC card 2 is provided with an in-circuit power supply 711 in which the in-circuit power supply voltage 244 decreases slower than the power supply voltage 241 of the IC card 2. Similarly to the embodiment shown in FIG. 5, when the power supply voltage detector 25 detects that the voltage is lower than or equal to the predetermined voltage, the random number generator 234 generates a random number. This random number is stored in the memory unit 23 as the ID 231 of the IC card 2. Therefore, the IC card lock control device 26 outputs the lock control signal to the CPU 22 to lock the IC card 2.

FIG. 15 shows a unlocking method according to the lock method shown in FIG. The IC card 2 is loaded into the IC card reader / writer 1, and the user ID 131 is input from the input unit 13. The inquiry unit 121 inquires the ID 141 and the input ID 131 stored in the memory unit 14 of the IC card reader / writer 1. If it is possible to inquire, the unlock control device 114 of the IC card reader / writer 1 outputs the unlock control signal to the control device 11 to release the lock of the IC card reader / writer 1. The unlock control signal of the IC card 2 is also supplied to the IC card 2 via the control device 11 and the data input / output unit 153. The IC card release control device 26 automatically releases the lock of the IC card 2.

In this way, the IC card cannot release the lock whether the IC card reader / writer is assigned to the user or not. Even when the IC card is stolen and used in another IC card reader / writer 1, the ID of the IC card is generated by a random number, so data cannot be obtained from the other IC card reader / writer.

16 is a block diagram showing another embodiment of the present invention. In this embodiment, when the IC card 2 is to be unloaded from the IC card reader / writer 1, the random number generator 122 of the IC card reader / writer 1 generates a random number to generate the IC card. Supply to (2) and use it as the ID of the IC card (2). At this time, the IC card lock signal generator 17 generates a lock control signal to automatically lock the IC card. Fig. 16 shows the unlocking method. The IC card reader / writer 1 releases the lock by the user ID, and transmits the ID of the previously generated IC card to the IC card. Next, the IC card 2 outputs a lock release control signal to automatically release the lock of the IC card 2. The user can use only the IC card reader / writer 1 assigned to the user.

First, the locking method of the IC card shown in FIG. 16 will be described. When the IC card 2 is to be unloaded from the IC card reader / writer 1 by operating the IC card unload switch 18, the random number generator 122 generates a random number. This random number is stored in the memory unit 14 as an ID of the IC card 2 (IC card ID 143). At the same time, the random number is stored in the memory unit 23 of the IC card 2 as the ID (IC card ID 231) of the IC card 2 via the data input / output unit 153. Thereafter, the IC card lock signal generating device 17 generates a lock control signal and supplies the CPU 22 to the CPU 22 through the control device 11 and the data input / output unit 153 to automatically lock the IC card 2. do.

FIG. 17 shows the unlocking method corresponding to the lock method shown in FIG. The IC card 2 is loaded into the IC card reader / writer 1, and the user ID 131 is input from the input unit 13. The inquiry unit 121 inquires the ID of the IC card reader / writer 1 stored in the memory unit 14. If possible, the IC card reader / writer unlock control device 114 outputs the unlock control signal to the control device 11 to release the lock of the IC card reader / writer 1. At the same time, the ID 143 of the IC card 2 is read from the memory unit 14 and supplied to the IC card 2 via the control device 11 and the data input / output unit 153. The inquiry unit 335 compares the ID 231 of the IC card 2 stored in the memory unit 23 with the ID 143 of the IC card transmitted from the IC card reader / writer 1. If both IDs coincide with each other, the IC card release control device 26 outputs the release control signal to the CPU 22 to automatically release the lock of the IC card 2. The lead ID 123 which reads the ID of the IC card from the memory unit functions to read the ID 143 of the IC card stored in the memory unit 14.

18 and 19 show methods for preventing the vandalism by the user (registration member) of the IC card reader / writer and facilitating the use of the IC card reader / writer. The IC card has several keys (passwords), and the first lock of the IC card is released by the password of the high priority manager, and the random number ID is discarded so that the registrant can use his ID. In addition, the second lock is released by the ID of the registrant so that the IC card can be used. This makes it possible to improve the stability and to facilitate the use of the IC card reader / writer.

18 shows the IC card locking method. When the IC card is unloaded from the IC card reader / writer, a random number is input as the ID of the IC card to execute the lock (same as in FIG. 14). In addition to the random number ID, the IC card has an administrator ID (highest priority) and a user ID. These IDs have a high priority in order of the administrator ID 232, the random number ID 231, and the user ID 233.

FIG. 19 shows an IC card unlocking method corresponding to the method shown in FIG. The manager ID 131 is input from the input unit 13 of the IC card reader / writer 1. If the administrator ID 142 is inquiryable, the random number ID 231 of the IC card 2 is replaced with the user (registrant ID) 233 stored in the memory unit. The user (registrar) can unlock the IC card using his ID. By such a configuration, stability can be improved and an IC card reader / writer can be easily used.

Anti-destructive systems can prevent more than the amount of credit paid per transaction.

As described above, according to the above embodiment, it is possible to realize an electronic wallet system having high stability and convenient to use.

The IC card can be automatically locked when it is unloaded from the IC card reader / writer, thereby achieving a highly stable electronic wallet system.

When the IC card is loaded into the IC card reader / writer, the IC card or IC card reader / writer generates an IC card unlock control signal to automatically unlock the IC card. Therefore, a convenient electronic wallet system can be realized.

In the embodiment used in the IC card POS system, the registrar can use only the register assigned to the registrar. Therefore, it is possible to prevent the act of destroying the cash information in the IC card. In an IC card having multiple IDs, the administrator can use multiple registers, making it convenient to use an electronic wallet system.

When the IC card ID is generated by the random number when the IC card is unloaded from the register, the stability can be improved. In this case, the lock of the IC card cannot be released unless the other register has the random number of the IC card. On the other hand, since the administrator can release the lock of the IC card by the random number ID using the administrator's ID, the use of the register can be facilitated.

In an electronic wallet system using an IC card, it is possible to prevent the repayment of more than the amount of credit paid per transaction from the IC card to the register (IC card reader / writer). If cash information is not supplied from the IC card to the register, repayment is prohibited. The transaction begins by loading the IC card into the register, and ends by unloading the IC card in the register. By such a configuration, even if several registrars are used by one registrar, it is possible to prevent the act of destroying cash information of another user into their IC card. The money can be repaid with the IC card while depositing cash in the register (IC card reader / writer).

20 is a block diagram showing an embodiment of the present invention. (1) an IC card reader / writer, (13) an input unit such as a keyboard and a barcode reader, (11) a control device, (14) a first memory section of the IC card reader / writer for temporarily storing credit amounts. to be. The input unit 13 inputs a credit amount 136 and a payment amount 135. Reference numeral 15 denotes an interface unit for transferring data in the IC card, 115 denotes an IC card load detector, 600 denotes a reset signal generator, 602 a comparator that compares a payment amount and a credit amount, 614 is a second memory portion of the IC card reader / writer that stores credit history (log: LOG) 605, payment history (LOG) 606, and cash information 607. The controller 11 controls the input unit 13, the memory units 14, 614, the interface unit 15, and the comparator 602.

(2) IC card, (21) ROM, (22) CPU, (23) credit history (log: LOG) 235, payment history (LOG) 236 and cash information (237) It is a memory unit for storing the. Reference numeral 24 denotes an interface for executing data transfer in the IC card reader / writer.

Hereinafter, the flow in the case of repaying cash from the IC card reader / writer 1 to the IC card 2 will be described.

First, the IC card 2 is loaded into the IC card reader / writer 1. The load detector 115 detects a load, and the reset signal generator 600 generates a reset signal. When the IC card is loaded, the reset signal is generated when the comparator 602 and the memory unit 14 are initialized.

As described above, according to this embodiment, repayment cannot be executed when payment of electronic money is executed using the IC card. Hereinafter, the payment of electronic money will be described.

When the amount of money information on the price is input from the input unit 13 of the IC card reader / writer 1, the memory unit of the IC card reader / writer 1 from the IC card 2 is operated by the operation of the control device 11 ( 14) electronic money information is stored. When the customer requests repayment of all or part of the price, the input unit 13 inputs electronic money information corresponding to the requested repayment amount. When the payment amount is input at the input unit 13, the comparator 602 compares whether the payment amount is less than or equal to the credit amount 145. If it is less than or equal to the credit amount 145, the control device 11 transfers the credit amount 145 to the memory unit 614, and transfers the cash information from the memory unit 614 to the memory unit of the IC card 2. 23). As a result, the cash information, the payment amount history and the credit amount history of the memory units 614 and 23 are updated, so that the cash information can be reliably supplied from the IC card reader / writer 1 to the IC card 2. In addition, it can prevent vandalism by stealing cash information.

21 is a block diagram showing another embodiment of the present invention in which the memory unit 614 for storing cash information of the IC card reader / writer 1 shown in FIG. 20 is provided on the other IC card 5 side. . The operation of this embodiment is the same as that of FIG. By the IC card reader / writer 1, cash information can be read from the IC card 5. The IC card 5 is on the retail side. The memory unit 512 stores a credit amount history 536, a payment amount history 535, and cash information 537 that are read from the IC card reader / writer 1 and stored in the memory unit 53. The items of these information are controlled by the CPU 52 and the ROM 51 which transmit the information by the IC card reader / writer 1 via the interface unit 54. By such a configuration, an inexpensive offline system between a retail store and a bank can be realized.

In a POS system using an IC card, it is possible to prevent repayment of more than the amount of credit paid per transaction from the IC card to the register. Payment is prohibited unless cash information is supplied from the register to the IC card. The transaction begins by loading the IC card into the register, and ends by unloading the IC card in the register. By such a configuration, even if several registrars use one registrar, it is possible to prevent a destructive act of inputting cash information of another user into their IC card.

After retrieving the credit history from the register and IC card, the old transaction is deleted to facilitate the use of the register.

In a highly stable POS system, no registration is required and an unmanned POS system is possible.

Next, referring to FIG. 22, in the case where the IC card storing the transaction of the retail store is stolen by the registrar in an illegal manner, the implementation of the electronic wallet system of the present invention in which a fraudulent code is automatically entered into the IC card and cannot be used again. An example is demonstrated. When such a fraudulent code occurs, the cash information of the retailer is saved (saved) in the memory section of the register.

In FIG. 22 showing an embodiment of the electronic wallet system, 1001 is an IC card reader / writer, 1002 is an IC card at a retail store, 1200 is an IC card at a customer side, and 1005 is a communication. Means, 1010 is a system ID inquiry unit, 1011 is a control unit, 1012 is a display unit, 1013 is an input unit, 1015 is an interface unit, 1016 is an IC card loader, and 1017 is negative Code detector, 1018 is loader control device, 1019 is negative code generator, 1100 is NAND gate, 1110 is switch, 1021 is ROM, 1022 is CPU, 1023 is memory Part 1024 denotes an interface part.

Next, the operation of the electronic wallet system configured as described above will be described. The control device 1011 stores the blocks 1012, 1013, 1014, and 1015 of the IC card reader / writer 1001. To control. The IC card 1002 on the retail store side is mounted in the loader 1016 of the IC card reader / writer 1001 such as an IC card tray or a slot. When unloading the IC card 1002 on the retail store side, the loader control device 1018 presses an IC card unload switch (not shown), and then inputs a system ID 1130 specific to the system at the input unit. The system ID 1140 recorded in the memory unit 1014 of the IC card reader / writer is inquired by the system ID inquiry unit 1010 as to whether or not the system ID 1130 inputted from the input unit 1013 matches. . Thereafter, the IC card 1002 can be unloaded from the IC card loader 1016.

When the IC card 1002 is unloaded without performing the above-described operation, the negative code generating device 1019 generates a negative code stored in the memory unit 1023 of the IC card 1002. Misconduct may include destroying the loader 1016, stealing the IC card 1002, or inputting a non-viewable ID different from the system ID 1130 several times. When the IC card loader 1016 is destroyed or foreign matter other than the IC card comes into contact with the IC card loader 1016, the switch 1110 is turned on. If the system ID 1130 cannot be queried, the switch 1110 is turned on. Due to such cheating, the switch 1110 is turned on, and the cheating code generating device 1019 generates a cheating code, and automatically notifies the cheating agent or an external agency such as a police station through the communication means 1005 such as a telephone line. do. The fraudulent act can also be notified by directly controlling the fraudulent code generating apparatus 1019 without using the switch 1110.

When a negative code occurs, cash information 1142 and cash information history 1143 remain in the memory portion 1014 of the IC card reader / writer 1001. The negative code is supplied to the memory unit 1023 of the IC card 1002 via the interface units 1015 and 1024 and stored as the negative code 1230. When a false code is generated, the data transfer speed between the IC card and the IC card reader / writer is changed to become faster than the normal speed.

When the IC card 1002 in which the negative code is stored is loaded into the IC card loader 1016, the negative code 1230 is supplied to the negative detector 1017 via the interface unit 1015 of the IC card reader / writer 1001. . When the negative code 1230 is detected, the control device 1011 controls the interface unit 1015 so that the cash information cannot be transmitted from the IC card. In addition, when the negative code 1230 is detected, this fact is automatically notified to an external organization such as a watcher and a police station via a communication means 1005 such as a telephone line. Even when the IC card has a negative code, a dummy operation of cash information transmission may be executed so that a vandal cannot track detection of the negative code.

In the above-described method, stolen fraudulent IC cards with cash information of the register cannot be used. Cash information 1233 may remain in the memory unit 1023 of the register. In addition, the memory unit 1023 stores the credit amount history 1231 and the payment amount history 1023.

Next, using FIG. 23, if the cash information on the transaction result of the retailer is transferred fraudulently from the retailer's IC card to another IC card, the fraudulent code, false cash information and the history of false code generation remain on the IC card. Another embodiment will be described. In this case, the cash information is not transferred from the IC card of the retail store storing the transaction result to another IC card.

In the system of this embodiment, the transaction information of the retail store cannot be easily transferred to another IC card. For example, if cash information is sent from the register to the IC card, the system prevents more than the amount of credit paid to the retailer per transaction from being sent to the customer's IC card.

When cash information is transferred to the IC card by cheating rather than normal repayment, the fraudulent code is automatically written to the IC card.

Examples of such misconduct other than normal repayment include the transfer of cash information to an AC card by a user threatened by robbery or the like.

In FIG. 23 showing an embodiment of the present invention, if the cash information (cash history) 2033 of the IC card 1200 on the retail side is transferred to another IC card 1002 negatively, the IC card reader / writer 1001 automatically writes a negative code to the IC card 1002. If the IC card 1002 is used after that, a negative code is detected and money cannot be paid to the IC card 1002.

The operation of the system shown in FIG. 23 will be described below.

Reference numeral 1001 denotes an IC card reader / writer, 1002 denotes an IC card of a customer side, and 1200 denotes an IC card of a retail store side that stores cash information. 1013 is an input unit such as a keyboard and a barcode reader, 1011 is a control device, and 1014 is a memory unit of an IC card reader / writer which temporarily stores a credit amount. Reference numeral 1015 denotes an interface unit for performing data transfer in the IC card, 1103 denotes an IC card load detector, 1104 denotes a reset signal generator, and 1101 denotes a comparison between the payment amount and the credit amount, and the payment amount is credited. It is a comparator to check that it is smaller than the amount.

The IC card 1002 on the customer side includes an interface unit 1024, a ROM 1021, a CPU 1022, and a memory unit 1023. The memory unit 1023 stores a credit amount history 1231, a payment amount history 1232, and cash information 1233. The interface unit 1024 performs data transfer in the IC card reader / writer. The IC card 1200 on the retail store side has the same structure as the IC card 1002 on the customer side.

Hereinafter, the flow of cash information in the case of transmitting cash information from the IC card 1200 to the IC card 1002 will be described.

First, the IC card 1002 is loaded into the IC card reader / writer 1001. The IC card 1200 on the retail store side is loaded into the IC card reader / writer 1001. The loading of the IC card 1002 is detected by the load detector 1103, and the reset signal is generated by the reset signal generator 1104. This reset signal is generated every time the IC card is loaded to initialize the comparator 1101 and the memory unit 1104. Next, when the credit amount is inputted at the input unit 1013, the credit amount 1014 is temporarily transferred to the memory unit 1014 via the memory unit 1023 and the interface units 1024 and 1015 of the IC card 1002. Stored as. If the user decides not to purchase the goods even if the credit amount is entered, the credit amount is repaid. At the time of repayment, the IC card reader / writer 1 repays the credit amount from the IC card 1200 to the IC card 1200. When the payment amount is input by the input unit 1013, the comparator 1101 compares whether the payment amount 1131 is less than or equal to the credit amount. If it is less than or equal to the credit amount, the control device 1011 transfers the credit amount to the memory portion 1203 of the IC card 1200, and transmits the cash information to the memory portion 1023 of the IC card 1002. As a result, the cash history 2033, credit amount history 2031, and payment amount history 2032 in the memory units 1023 and 1203 are updated, and cash information is transferred from the IC card 1200 to the IC card 1002. ) To prevent fraudulent transmission of cash information.

The following describes a countermeasure when a user threatened by a robbery, for example, a robbery other than normal repayment transfers cash information to an IC card.

When the emergency code 1132 is input from the input unit 1013 or the emergency switch 1102 is pressed, the negative code generating device 1019 generates a negative code. This illegal code is written to the memory unit 1023 of the IC card 1002 via the control device 1011, the interface 1015, and (1024). If a negative code is generated, the false payment amount information 1411 is written to the IC card 1002 via the interface units 1015 and 1024. The cash history (cash information) 2033 of the IC card 1200 is not changed. The history of the negative code generation remains in the memory units 1014, 1203, and 1023.

In this way, even when the cash information of the register is transferred to another IC card due to cheating, the fraudulent code is written to the IC card and the card cannot be used. In addition, the cash information of the IC card storing the transaction result may remain in the register.

With reference to FIGS. 24 and 25, an embodiment of an electronic wallet system that is easy to use to prevent the transfer of more than the amount of credit paid per transaction will be described. If the history stored in the register and the history stored in the IC of the user can be inquired and can be inquired, the same state as the case where the credit amount is supplied to the registrar occurs to enable repayment to the IC card.

In FIG. 24 showing the electronic wallet system as a block diagram, the credit amount is transferred from the IC card 1002 to the IC card 1200 in the same manner as in FIG. 23, and the comparator 1101 determines that the payment amount 1131 is the credit amount 1141. Is less than or equal to If it is less than or equal to the credit amount 1141, the control device 1011 transfers the credit amount 1141 to the memory portion 1203 and transfers the cash information to the memory portion 1023 of the IC card 1002. As a result, the cash information, the credit amount history, and the payment amount history in the memory units 1203 and 1023 are updated, so that the cash information can be stably transferred from the IC card 1200 to the IC card 1002. Can prevent unauthorized transmission.

The IC card 1200 stores initial transaction information of a retail store. In the IC card 1200 of the retail store, 1203 is a memory unit. The memory unit 1023 stores a credit amount history 2031, a payment amount history 2032, and a cash history 2033. 1201 is a ROM, and 1202 is a CPU. 1204 is an interface that executes data transfer with the IC card reader / writer 1001 via the interface unit 1500.

In the method shown in FIG. 23, the electronic wallet system is somewhat inconvenient in that cash information cannot be repaid because repayment information is deleted when another payment using an IC card is executed. To solve this, the history inquiry unit 1105 inquires the history stored in the IC card 1200 and the history stored in the IC card 1002. If available, cash information can be returned from IC card 1200 to IC card 1002 without the cooperative operation of comparator 1101.

25 is a block diagram showing another embodiment of the electronic wallet system of the present invention. 1003 is a network, and 1004 is a host computer. The host computer controls the IC card reader / writer 1001 via the network 1003. The IC card 1200 may be connected to a host computer.

In this embodiment shown in FIG. 25, the temporary storage position of the retail store is not the IC card on the retail store side, but the memory unit 1400 of the IC card reader / writer 1001. In the memory unit 1400, a credit amount history 1401, a payment amount history 1402, and cash information 1403 are stored. The operation of this system is the same as the system shown in FIG. Thus, it is possible to implement an offline system between the retailer and the bank.

According to the embodiment shown in FIGS. 22 to 25, it is possible to provide an electronic wallet system which is easy to use, has high stability, and can prevent vandalism.

In a POS system using an IC card, even if the IC card storing the cash information of the register is stolen by misconduct, the stolen IC card cannot be used again, and the cash information remains in the registration memory unit.

Even if the cash information of the register is illegally transferred to the destroyer's IC card, the illegal code is written to the IC card. Therefore, this IC card cannot be used again, leaving cash information of the transaction result in the register.

In a POS system using an IC card, it is prohibited to return more than the amount of credit paid per transaction from the IC card to the register. If cash information is not supplied from the register to the IC card, repayment is prohibited. The distance begins by loading the IC card into the register and ends by unloading the IC card in the register. By such a structure, even if several registrars use one registrar, it is possible to prevent the illegal act of inputting cash information of another user into its own IC card.

In order to facilitate the use of the electronic wallet system, the credit history and payment history stored in the user's IC card and the register can be inquired, and if it is available, the same condition as when the credit amount is supplied to the register occurs and the credit card is returned to the IC card. To make it possible.

By using a highly stable POS system, an unmanned POS system is possible without requiring a registration member.

Claims (28)

An electronic wallet system having an IC card for storing electronic money and an IC card reader / writer means, wherein the IC card reader / writer means loads the IC card into the IC card reader / writer means, and the IC card reader / IC card loader means for unloading the IC card from the writer means, IC card load control means for controlling the load / unload operation of the IC card and lock the IC card in response to physical unload operation of the IC card load control means And a lock signal generating means for generating a signal, wherein the IC card is locked in accordance with the lock signal to remove the IC card from the IC card reader / writer means. The power supply detecting means according to claim 1, further comprising power detecting means for detecting whether or not the voltage applied to the system has a predetermined value and means for generating a data evacuation signal, wherein the power detecting means is detected by the power detecting means. And an electronic wallet system for activating the data evacuation signal generating means and the lock signal generating means according to a result. 2. The lock release signal according to claim 1, wherein the load detection means detects a load of the IC card from the IC card reader / writer means to the IC card loader means and the load detection signal of the IC card by the load detection means. Electronic wallet system further comprising means for generating. The electronic device of claim 1, further comprising: current detecting means for detecting a current supplied from the IC card reader / writer means to the IC card, and means for generating a release signal in accordance with a current detection by the current detecting means. Wallet system. 2. The control signal detector according to claim 1, wherein the control signal detector detects the input of the control signal to the IC card, the voltage detector detects the voltage supplied to the IC card, and releases the lock according to the detection by the control signal detector and the voltage detector. An electronic wallet system further comprising means for generating a signal. In an electronic wallet system using an IC card for storing electronic money information, the IC card includes power supply voltage detecting means for detecting a power supply voltage in a circuit of the IC card, and a power supply voltage in a circuit of the IC card is lower than a predetermined voltage. And control means for locking the IC card when the power supply voltage in the circuit of the IC card is higher than a predetermined voltage and a control signal is input. An electronic wallet system for transmitting data between an IC card reader / writer and an IC card in a non-contact manner, wherein the IC card for storing electronic money information includes a receiving unit for receiving data from the IC card reader / writer and data transmission. A display unit for notifying, means for checking the end of data transfer, detection means for detecting an in-circuit power supply voltage of the IC card, data evacuation means that is activated when the in-circuit power supply voltage for the IC card is lower than a predetermined voltage, and the data transfer. Control means for locking the IC card when the power supply voltage in the circuit of the IC card is lower than a predetermined voltage and the end of data transmission is confirmed, in accordance with the output of the end checking means and the power supply voltage detecting means in the circuit. Means for checking the start and the power supply voltage in the circuit of the IC card is higher than a predetermined voltage and data transmission start is confirmed. , An electronic wallet system comprising a control means for releasing the lock of the IC card. An electronic wallet system having an IC card having an ID number specific to a system, storing electronic money information, and having an ID card and an IC card reader / writer for reading and writing data in the IC card, An input unit for inputting data into the system, inquiry means for querying the ID number of the system and the ID number of the IC card, inquiry means for querying the ID number input from the input unit and the ID number of the IC card, and the two And a control means for releasing the lock of the IC card if it is determined that the plurality of ID numbers inquired by the inquiry means is inquireable. 9. The apparatus of claim 8, further comprising: means for storing an ID number having a higher priority than an ID number of the system, means for querying whether an ID number input at the input unit has a higher priority than an ID number of the system, and the IC Means for storing an ID number having a higher priority than the ID number of the card, means for inquiring whether the ID number inputted from the input unit has a higher priority than the ID number of the IC card, and inquiry by the two inquiry means. And a control means for releasing the lock of the IC card when it is determined that the identified ID is queryable. An electronic wallet system having an ID number specific to a system and having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card, wherein the data is stored in the system. An input unit to input, inquiry means for inquiring the ID number input from the input unit of the system and the ID number of the system, and control means for releasing the lock of the system, wherein the control means is inquired by the inquiry means. Electronic wallet system that unlocks the system when it is determined that the ID number can be viewed. In an electronic wallet system using an IC card for storing electronic money information, the IC card is generated by detecting means for detecting a power supply voltage in a circuit of the IC card, means for generating a random number, and means for generating the random number. And storage means for storing the stored random number as an ID number of the IC card and a control means for locking the IC card, wherein the detecting means activates the random number generating means and the control means. 12. The electronic wallet system according to claim 11, wherein the electronic wallet system includes an IC card having an ID number specific to the system and storing electronic money information, and an IC card reader / writer for reading and writing data in the IC card. An input unit for inputting data into the system, an inquiry unit for querying an ID number input from the input unit of the system and an ID number of the system, and a lock of the system if it is determined that the ID number queried by the inquiry unit is queryable. And a control means for releasing the lock of the IC card if it is determined that the control means for releasing and the ID number queried by the inquiry means are inquireable. 2. The IC card of claim 1, wherein the IC card includes storage means for storing a first ID number of the IC card, means for generating a random number, and storage means for storing a second ID number of the IC card, And the IC card load control means causes the two storage means to store a random number as an ID number of the IC card, and activates the lock signal generating means. 14. The electronic wallet system according to claim 13, wherein the electronic wallet system has an ID number specific to the system, and includes an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card. An input unit for inputting data into the system, an inquiry unit for searching an ID number input from the input unit of the system and an ID number of the system, and if it is determined that the ID number queried by the inquiry unit is queryable, Control means for releasing the lock and means for reading the ID number of the IC card from the second ID number storage means if it is determined that the ID number inquired by the inquiry means is inquiryable; And an inquiry means for inquiring the ID number read from the second ID number storage means and the ID number of the IC card read from the first ID number storage means. , When the electronic wallet system, the ID inquiry by the inquiry means viewable it is determined that the IC card lock has been released. The electronic wallet system according to claim 13, wherein the first and second ID number storing means stores a plurality of ID numbers having different priorities. 10. The electronic wallet system according to claim 9, further comprising means for updating the ID number of the IC card, wherein the high priority ID number inquiry means activates the ID number update means. An electronic wallet system using an IC card for storing electronic money information, comprising: credit means for supplying cash information from a first IC card to a second IC card, and the first IC card from the second IC card Comparing the payment means for supplying the cash information to the second IC card from the first IC card and the payment amount supplied from the second IC card to the first IC card Means, wherein after the credit means is operated, the payment means is operated, the payment means being controlled according to a comparison result by the comparing means. An electronic wallet system having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card, comprising: credit means for supplying cash information from the IC card to the system; And payment means for supplying cash information from the system to the IC card, and comparison means for comparing the amount of credit supplied from the IC card to the system with the amount of payment supplied from the system to the IC card. After the credit means is operated, the payment means is operated, and the payment means is controlled according to the comparison result by the comparison means. 19. The apparatus according to claim 18, wherein the storage means for storing the credit amount supplied from the IC card to the system, the IC card load detection unit, and the control signal are generated to initialize the credit means, the payment means, the comparison means, and the storage means. And a control signal generator, wherein the comparing means activates the payment means if the payment amount is less than the credit amount. An electronic wallet system having an ID number specific to a system and having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card, wherein the IC card reader / An IC card loader means for executing loading and unloading of the IC card to a writer, an IC card load control means for controlling a load / unload operation of the IC card, and an input unit for inputting data into the system; Is unloaded according to activation of an unload operation by the IC card load control means and input of a system ID from the input unit. 21. The system of claim 20, wherein the system further comprises a negative code generating device for generating a negative code, wherein the IC card includes a memory unit for storing the negative code and cash information, and the IC card reader / writer includes cash information. And a memory unit for storing the code, wherein the illegal code is generated according to activation of an unload operation by the IC card load control means, inputting an ID different from the system ID at a predetermined time in the input unit, or elapse of a predetermined time. The electronic wallet system stored in the IC card, the IC card is unloaded after the cash information in the IC card is stored in the memory unit of the IC card reader / writer. 22. The electronic wallet system according to claim 21, further comprising communication means for automatically notifying a issuing position of a designated negative code in accordance with the negative code generated in the negative code generating device. 22. The electronic wallet system according to claim 21, further comprising means for changing the data transfer rate between the IC card and the IC card reader / writer to a higher speed than the normal speed when the negative code generating device generates the negative code. . 22. The electronic wallet system according to claim 21, wherein when the IC card is unloaded without using the IC card load control means, the negative code is generated and stored in the IC card. 21. The electronic wallet system according to claim 20, further comprising: a detecting unit for detecting the negative code in the IC card, and communication means for automatically notifying a detection position of the designated negative code when the negative code is detected by the detecting unit. An electronic wallet system using an IC card for storing electronic money information, comprising: credit means for supplying cash information from a first IC card to a second IC card, and the first IC card from the second IC card A payment means for supplying cash information to the controller, a control unit for maintaining a normal state of the payment means for repaying the payment amount of the first IC card from the second IC card, and performing normal operation of the control device during an emergency period. Emergency means for prohibiting, a negative code generating portion for generating a negative code in response to the emergency means, a memory portion for storing the negative code in the first IC card, and the generation of the negative code from the negative code generating portion. Therefore, the electronic wallet system comprising a communication means for automatically notifying the predetermined detection position of the fraudulent code. An electronic wallet system using an IC card for storing electronic money information, comprising: credit means for supplying cash information from a first IC card to a second IC card, and the first IC card from the second IC card Means for supplying cash information to the customer, a comparison comparing the amount of credit supplied from the second IC card to the first IC card and the amount of payment supplied from the second IC card to the first IC card Means, wherein after the credit means is operated, the payment means is operated, the payment means is controlled according to a comparison result by the comparing means, and the first and second IC cards are in credit / payment history And a payment means controlled according to an inquiry of credit / payment history of the first and second IC cards. An electronic wallet system having an IC card for storing electronic money information and an IC card reader / writer for reading and writing data in the IC card, wherein the cash is transferred from the IC card to the IC card reader / writer of the system. Credit means for supplying information, payment means for supplying cash information from the IC card reader / writer of the system to the IC card, and credit amount supplied from the IC card reader / writer of the system from the IC card and the system; And comparison means for comparing the payment amount supplied from the IC card reader / writer to the IC card, after the credit means is operated, the payment means is operated, and the payment means is a comparison result by the comparison means. The payment means is controlled according to the credit history of the IC card and the payment history of the IC card reader / writer of the system. E-wallet system.