KR100361330B1 - Multi-function Card System - Google Patents

Abstract

There is provided a multifunctional card system having a high recording capacity and a high security effect in use of an automatic transaction device and a personal terminal.

When storing information in the EEPROMs 9a and 9b, the EEPROMs 9a and 9b store the transaction history information in the storage area of the transaction history information from the ATM 12 via the contact-type electrical connection unit 5, and store all of the storage areas Erases the transaction information stored in the immediately preceding storage area when the transaction information is required to be stored, and stores the transaction information in the erased storage area.

Description

Multi-function Card System [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to an automatic transaction device used in a financial institution, and a multifunction card (IC card) system used in a commercial transaction performed in a retail store or the like.

In the case where a transaction is made between a financial institution and an account contractor (hereinafter referred to as a customer) of the financial institution, such as deposit or withdrawal or transfer of the deposit, following a change in the deposit balance of the account, The transfer specification of the funds is stored in the calculated ledger file.

In general, the transfer specification of this fund is cleared in the calculation ledger file when the transaction details are entered in the account book. Therefore, in the case where the transaction according to the movement of funds is performed using the passbook, since the non-bad data including the current transaction is printed on the passbook, the storage of the bad data is unnecessary.

In the case that the transactions following the transfer of funds are carried out without using a bankbook, the transaction is recorded in the calculation ledger file as new unembossed data.

In recent years, since depositing and withdrawing transactions by a customer identification card (hereinafter referred to as an ID card) has been increasing rapidly due to automatic substitution processing between accounts, the accumulation amount of the non-issuance data in the calculation ledger file is increased .

As shown in Fig. 15, the number of printable passages that can be printed on one passbook is 24 strokes, so that seven passbook passages (15 pages) x 24 lines / page = 360 rows (transactions).

This does not take into account the terms of the column of the bankbook and the terms of the contract. In practice, the number of printable pages is about 13 pages, so the printable line is generally 312 strokes. Then, when the argument column disappears, a new passbook is issued.

As for such a shortening of the passbook, an IC card as an electronic passbook described in Japanese Patent Publication No. 17476/1984 has been proposed. This uses a so-called " IC (integrated circuit) card " composed of a microprocessor, a memory, a data input / output circuit, a data input / output terminal, a display for displaying stored data, and the like. have.

As these card-type passbooks, an optical card system has also been proposed.

In addition, a so-called " transfer card " in which information such as the name of the financial institution of the transfer line and the account number of the recipient is stored in advance is used for the transfer transaction. In recent years, as an electronic settlement transaction, funds are stored as electronic money in an IC card, and funds are exchanged as electronic information in commercial transactions.

The IC card as the card-type passbook or the like is rapidly penetrated by the low price, the mass production and the improvement of the physical strength, and is used in a wide range of fields.

However, the increase in the storage capacity and the airtightness in the security surface are considered by the IC (integrated circuit) and the encryption technology is used. In the optical card type passbook, even if the optical recording unit is encrypted and recorded, The contents can be known and can be changed, so there is a problem in the security aspect.

In addition, it is difficult to adapt to the existing apparatus, and there is also a problem that the cost of remodeling the system is increased.

In addition, it was very troublesome for users because of the necessity of carrying a large number of cards such as a card-type bankbook, a transaction card storing electronic money, a credit card, and a credit card.

According to an aspect of the present invention, there is provided a contact-type electrical coupling unit for transmitting and receiving a signal of an IC card, the IC card including a memory area for receiving transaction history information in money- And stores their information in a divided manner.

When the storage area of the IC card is full, transaction history information to store and store the transaction history information of the storage element in which the most previous transaction history information is stored is stored.

The transaction history information stored in the IC card is added to the transaction history information managed by the host computer of the financial institution or the like to edit and display the transaction history information and if there is a print instruction, do.

In addition, in the case where a money deposit / withdrawal transaction is made using an automatic transaction device, the final transaction history information is displayed (printed) on the surface of the IC card and returned.

The IC card is provided with a bank card function which is conventionally used, a storage area for storing balance information as electronic money, and a storage area for storing money information at the time of payment transaction, and stores the unique data.

1 is a schematic view showing a multifunction card of the present invention;

2 is an explanatory diagram showing an example of a data format of a multifunction card of the present invention.

3 is an external view of an automatic transaction apparatus according to the present invention;

4 is a control block diagram of the automated teller machine of the present invention.

5 is an explanatory view showing an outline of a card reader / receiver printer of the present invention.

6 is an explanatory diagram showing an outline of a passbook processing section of the present invention;

7 is a flowchart showing withdrawal transaction processing of the present invention.

FIG. 8 is a flowchart showing an electronic badge process of the present invention. FIG.

Fig. 9 is an explanatory diagram for posting an example of screen display of an electronic length according to the present invention; Fig.

FIG. 10 is an explanatory diagram showing the result of the index factor of the present invention. FIG.

11 is an explanatory view showing an example of screen display of the present invention.

12 is an explanatory diagram showing the result of the index factor of the present invention.

13 is a conceptual diagram showing an example of a transaction form by the multifunction card of the present invention.

FIG. 14 is an explanatory view showing the concept of storing and displaying transaction history information in the multifunction card of the present invention; FIG.

15 is a flowchart of electronic payment processing according to the present invention.

16 is an explanatory view showing a customer guidance screen of the present invention.

17 is an explanatory view showing a use state of the personal terminal of the present invention.

18 is an explanatory diagram showing an example of display in a personal terminal of the present invention.

FIG. 19 is an explanatory diagram showing a transaction factor result in a conventional passbook; FIG.

DESCRIPTION OF THE REFERENCE NUMERALS

1: multifunction card (IC card) 2: magnetic stripe

5: Terminal portion 9a: EEPROM-1

9b: EEPROM-2 10: Microprocessor (MPU)

11: Card data 12: Automatic transaction device (ATM)

13: Card processing section 13a: Card insertion return port

14: Specification table processing unit 25:

28: host computer 29: storage device

29a: calculation ledger file 34: IC card reader / writer unit

34a: contact person 42: transaction specification sheet

50: Personal terminal 52: Display

68: printing head 69: document

71: recording medium

BRIEF DESCRIPTION OF THE DRAWINGS Fig.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. Fig. 1 is a schematic diagram of a multifunction card of the present invention. Fig. 1 (a) shows a surface, and Fig. 2 (b) shows a circuit configuration inside. In the figure, reference numeral 1 denotes an IC card used as a multi-function card, 2 denotes a magnetic stripe, and magnetically records customer-specific data such as a financial institution code and a customer's name or an account number. The magnetic stripe 2 may be formed in the form of a so-called overprinted card on which a pattern or the like can be printed on the magnetic stripe by providing a cover layer on the magnetic stripe surface.

3 is an embossed area and is provided to engrave a convex character such as a financial institution code and the name and account number of a customer as in the case of the magnetic stripe 2. [ Reference numeral 4 denotes a thermally reversible chamber (rewritable) attached portion, which can be printed and erased by a thermal head to be described later. Reference numeral 5 denotes a terminal portion which is provided at a predetermined position and is connected to an internal circuit shown in Fig. 1 (b) at a coupling portion where data is transmitted and received. The IC card 1 is input to a card reader / receiver printer (hereinafter referred to as a CRP) afterwards, and the contents of the IC card 1 can be read and written.

Reference numeral 6 denotes a ROM (Read Only Memory) that accepts information for rewriting unnecessary information such as communication control and command processing, and an embroidery processing program. Reference numeral 7 denotes a RAM (temporary storage) for temporarily storing a data buffer, a control program, Randam AccessMemory), and 8 is a data bus.

9a and 9b are EEPROM (Electrically Erasable and Programmable ROM), which is a nonvolatile memory electrically erasable and rewritable, and it is a memory for application of a data axis, and controlling the reading and writing of each of these memories is a microprocessor MPU) 10.

Although the terminal portion 5, the ROM 6, the RAM 7, the data bus 8, the EEPROMs 9a, 9b and the MPU 10 are described on the plane of the IC card 1, they are embedded in the card base as an integrated IC (integrated circuit) And is not meant to be buried in the area of the thermally reversible seal 4.

Fig. 2 is an explanatory view showing the concept of the data format 11 of the multifunction card (IC card) according to the present invention. The numeral 11a denotes a financial institution code (number) issuing the IC card 1, Name and password number. These pieces of information are also magnetized and recorded in magnetic stripe 2.

11b is customer identification data obtained by extracting and digitally encoding the customer's physical characteristics and the like. Reference numeral 11c denotes an electronic money balance, which is electronicized money balance information exchanged when an electronic transaction is settled. 11d is a storage area for transaction history information allocated to the EEPROM 9a, and a capacity for storing a plurality of transactions is secured. 11e is a storage area for transaction history information allocated to the EEPROM 9b, and a capacity for storing a plurality of transactions is secured.

11f are management flags stored immediately after the latest transaction history information of the EEPROMs 9a, 9b. And 11g denote the transaction information used for the money transfer transaction. In the figure, a plurality of money transfer information areas are provided. Information such as 11c, 11d, 11e, and 11g may be stored in the EEPROM, temporarily stored in the RAM 7 or the like after the read operation, and erased once after erasing the EEPROM.

FIG. 3 is an external view of an automatic transaction device used in the multifunction card system of the present invention, and FIG. 4 is a control block diagram of the automatic transaction device. In the drawing, reference numeral 12 denotes an automatic transaction device (hereinafter referred to as ATM), 1 denotes a financial institution, and the information shown in FIG. 2, such as a code for each financial institution and customer information such as a customer's account number and name, (Hereinafter referred to as " IC card "). Reference numeral 13 denotes a card processing unit having a function of reading out the information stored in the IC card 1. In the card insertion return slot 13a connected to the front side of the card processing unit 13, the IC card 1 is inserted and returned. In addition, as the specification table processing unit 14, the CRP 15 is formed by performing a process of issuing a transaction specification sheet (not shown) issued to a customer in a procedure described below with a factor of a transaction specification.

Reference numeral 16 denotes a passbook processing unit which performs print processing on the passbook 17 inserted in the passbook insertion return slot 16a and also has means for updating the storage information, (Details will be described later)

Reference numeral 18 denotes a display unit for displaying operation guides and service guides.

Reference numeral 19 denotes a money processing unit for discriminating authenticity, counting, transporting and storing the currency deposited by the customer in the money storage box, and delivering the money to be paid to the customer by means not shown, Deposit and withdrawal portion 19b.

The banknote deposit / withdrawal portion 19a is provided with a reception opening 19c for inputting banknotes or for paying banknotes to customers, and a reception opening 19d for inputting coins into the coin deposit / withdrawal portion 19b or paying coins to customers.

Shutters 20a and 20b, which are opened and closed by a driving means (not shown), are set in the reception openings 19c and 19d to regulate the insertion and removal of money.

Reference numeral 21 denotes a portion of a so-called "touch panel" for entering transaction input screen for transaction input by a customer or inputting an operation, and is a portion for performing selection input of a transaction.

Reference numeral 22 denotes a voice guidance unit for guiding a customer to voice with a transaction induction screen display described above, and has a speaker 22a at a position facing the customer.

Reference numeral 23 denotes a ROM, a RAM, a floppy desk or the like in which a program for performing various controls is stored in the storage unit.

Reference numeral 24 denotes an interface unit (hereinafter, referred to as IF unit) which is a connection unit with a host computer which is a host apparatus. Reference numeral 25 denotes a main control unit for controlling the above-mentioned respective units. Reference numeral 27 denotes a terminal control unit (hereinafter referred to as a TC), which is located in the middle between another ATM and a window terminal, not shown, and a host computer 28, which is a host device, and controls communication of a plurality of devices.

29 is a storage device connected to the host computer 28, and stores information necessary for a transaction to be described later. As the storage information of the above-mentioned storage device 29, reference numeral 29a denotes a calculation ledger file, such as a customer's address, name and account number, password, deposit balance, In addition, there are a customer information file and a product information file as various kinds of information of the entire system, but are not related to the present invention, so that the description of the contents is omitted. The TC 27 and the host computer 28 are connected by a communication line 30.

Next, the CRP 15 including the card processing section 13 and the specification table processing section 14 will be described. 5 is a side view of the CRP 15. The magnetic head 31 is provided continuously to the card insertion return opening 13a and magnetic recording information is read from the magnetic stripe 2 set in the inserted IC card 1. [

Reference numeral 32 denotes an emboss reader for optically reading convex characters such as a customer name and an account number set in the emboss area 3 on the surface of the IC card 1 to obtain information for printing a transaction record as a transaction record. Reference numeral 33 denotes a thermal head for printing transaction contents and the like on the thermally reversible seal attaching portion 4 of the surface of the IC card 1, and has a predetermined gap formed between the magnetic stripe 2 and embossed characters (convex portions). Reference numeral 34 denotes an IC card reader unit, which has a contact 34a that can correspond to the terminal portion 5 on the surface of the IC card 1, and is electrically connected to the IC card 1 carried by the conveying path 35 by pressure.

On the conveying path 35, the conveying roller 36 is driven to rotate by a driving means (not shown) to convey the IC card 1. Although various sensors for monitoring the conveying condition are arranged on the conveying path 35, they are not shown in the drawings.

Next, with reference to the specification table processing unit 14, reference numerals 41a and 41b denote stackers which store the folded unused trade specification sheets 42a and 42b, and reference numeral 43 denotes a stacker which carries one of the folded trade specification sheets 42a and 42b along the carrying path 44 It is a roller.

Reference numeral 45 denotes a cutter set on the conveying path 44, and cuts the transaction specification sheet 42a (or 42b) to a predetermined length. Reference numeral 46 denotes a printing section for printing the transaction record on the cut transaction specification sheet 42. In the following description, it is described in the transaction specification sheet 42 that the information is cut to a predetermined length. The transaction specification sheet 42 cut to a predetermined length by the cutter 45 is printed by the printing unit 46, and then issued from the card insertion returning slot 13a. 47 is a collection box that collects and stores IC card 1 and transaction specification 42 that customer has left.

Fig. 6 is an explanatory diagram showing an outline of the passbook processor 16, and 16a is the above-mentioned passbook insert return slot. Reference numeral 61 denotes a magnetic read / write head for reading the magnetic recording information from the magnetic stripe 17a set at a predetermined position of the inserted passbook 17 and updating the magnetic recording information upon completion of the transaction. Reference numeral 62 denotes a page row detector for detecting whether or not the inserted passbook 17 is a factor page to be optically read and processed, such as a page mark 17b attached to an opened page, Reference numeral 63 denotes a print head. Printing is performed on the inserted passbook 17 by a platen 64 disposed opposite to the print head 63.

Reference numeral 65 denotes a page turning portion. In the case where it is judged that no printable row remains in the passbook 17 or an open page is not a page to be printed, page turning of the passbook 17 is performed. Reference numeral 66 denotes a conveying roller, which is driven to rotate by holding the passbook 17, so that the passbook 17 is conveyed along the conveying path 67. Reference numeral 68 denotes a document stacker in which a plurality of document sheets 69 having almost the same outer shape as the open passbook 17 are stacked, and the document sheet 69 is pushed upward by the urging means 70 provided at the lower portion.

Reference numerals 68a and 68b denote a table feeding roller provided at the top of the table stacker 68 and are rotatably supported at the tip of an arm 71 supported by a rotation point 71a. When the arm 71 is rotated by a driving means (not shown), either one of the table feeding rollers 68a and 68b is configured to be in a state of being in pressure contact with the table 69. [ For example, as shown in the figure, the table 69 can be drawn out in the direction of arrow D because the table guide roller 68a rotates clockwise with the table contact roller 68a in pressure contact with the table 69. At this time, the tracing roller 68b is transferred from the table 69.

Further, the arm 71 is rotated by the not-shown drive means so that the table feed roller 68b is in pressure contact with the table 69, and when the table feed roller 68b is turned to the left, the table 69 is drawn in the direction of arrow E. At this time, the pattern guide roller 68a is in a positional relationship in which the pressure contact with the pattern 69 is released.

Next, a flow chart of the withdrawal transaction processing in the ATM 12 will be described with reference to Fig. 7 as a function of the " customer identification card (cache card) " In the drawing, S indicates steps. First, when the customer selects " withdraw " on the transaction selection screen displayed on the receptionist 21 (S1), " insert card and input password " When the IC card 1 is inserted in the card insertion return slot 13a in accordance with this display (S2), the IC card 1 is received by the card processor 13 and the magnetic recording information stored in the magnetic stripe 2 is read by the magnetic head 31 ), And transmits information such as the read account number to the host computer 28 via the TC 27.

In the magnetic stripe 2, this card is an IC card, which is previously recorded by magnetic codes, so that it can be discriminated from the previous magnetic card. The embossed characters of the emboss area 3 are read by the embosser 32 (S4), and the information is temporarily stored in the memory 23.

On the other hand, when the customer inputs a password in the " input key screen " (S5), the inputted password is also transmitted to the host computer 28 and the calculated ledger file 29a The corresponding password is collated. In the above operation, when a customer error operation such as an insertion direction of the IC card 1 and an error of inputting a password, and a magnetic reading failure occur, the process returns to a predetermined return process and the like, but is omitted because it is not related to the present invention.

When it is judged that the customer is a customer who can deal with the calculation ledger file 29a in the storage device 29 managed in the host computer 28, data permitting the transaction is transmitted to the ATM 12 (S6). Upon receiving this data, the ATM 12 changes the customer operation screen to the withdrawal input screen and prompts the input operation of the withdrawal amount. When the customer inputs a desired denomination and the number of pieces of money and the confirmation operation input is performed (S7) The money is distinguished, and the money is conveyed to the reception openings 19c and 19d and waits (S8). When the magnetic card of the IC card is detected by reading the magnetic recording information in step 3 concurrently with the input operation of the withdrawal amount, it is judged that the inserted card has an IC (integrated circuit), that is, an IC card Then, the IC card is carried to the IC card reader / writer 34, and the contact 34a is rotated in the direction of the arrow C to press the terminal portion 5 and the contact 34a (S9).

Subsequently, the storage information of the IC card 1 is read (S10). First, a voltage, a clock, and a communication input / output signal are supplied to the terminal unit 5 in a predetermined order, and the data received from the host computer 28 and the IC card 1 are checked with each other to confirm that they are correct. In the IC card 1, transaction information including the present withdrawal transaction data and the non-withdrawal data received from the host computer 28 is transmitted to update the transaction history information (S11). The updating of the transaction history information will be described later in detail.

Subsequently, the IC card 1 is conveyed in the direction of arrow A after the pressure contact between the terminal portion 5 and the contactor 34a is released, and the thermal head 33 is passed. At the same time, the thermal head 33 applies energy capable of erasing the entire print of the thermally reversible seal 4. When the end of the thermally reversible seal attachment part 4 is transported to the position of the thermal head 33, the transport in the direction of the arrow A is stopped.

Next, the IC card 1 is transported in the direction of arrow B, and the print energy is added to the thermal head 33 to print the current date and the current transaction balance as shown in Fig. 1 (S12). When printing is finished, the conveyance in the direction of arrow B is terminated and the IC card 1 is held.

On the other hand, in the specification table processing unit 14, the transaction specification sheet 42a (or 42b) is cut to a predetermined length, and the readout is made in step 4. The emboss character readout information and the transaction content stored in the storage unit 23 are printed by the printing unit 46 S13). When the printing of the thermoreversible seal attaching portion 4 of the IC card 1 and the printing of the transaction specification sheet 42 are completed, they are discharged at substantially the same time from the card insertion / ejection outlet 13a by the conveyance control and returned to the customer (S14).

When the withdrawal of the IC card 1 and the transaction specification sheet 42 is confirmed by the detection means (not shown), the shutters 20a and 20b of the reception ports 19c and 19d are opened (S15), and the withdrawal . When money is taken out by the customer and the withdrawal is confirmed by the detection means (not shown), the shutters 20a and 20b are closed (S16). When the above operation is completed, the processing completion is transmitted to the host computer 28 simultaneously with the contents of the transaction, and the calculation ledger file 29a in the storage device 29 is updated. On the other hand, in the ATM 12, the information temporarily stored in the storage unit 23 is deleted and the processing is completed .

When it is determined in step 9 that the card is not an IC card, first, a passbook 17 is inserted into the passbook insertion return port 16a, and the insertion detection means (not shown) detects this and the passbook 17 is received by the passbook processing section 16 (S17). At the time of the transaction in which the passbook 17 is inserted (with the passbook transaction), the customer information recorded in the magnetic stripe 17a of the inserted passbook 17 is read by the magnetic read / write head 61 (S19).

Next, in order to determine whether the passbook 17 is a page to be processed by the opened page, the page / row detector 62 optically reads the page mark 17b and the print end row (S20) 17 to the printing head 63. If the page to be printed is not the page to be printed, the page is transferred to the page turning section 65 of the bookcase, and page turning is performed, but the description of the operation is omitted.

When the unknown data is transmitted from the host computer 28, the print head 63 prints (S21), and the transaction data is printed (S22). Subsequently, when the printing is completed, transaction information is updated by the magnetic read / write head 61 to the magnetic stripe 17a (S23), and the money is returned to the passbook insertion returning port 16a. The unillustrated ejection detecting means detects the ejection of the passbook 17 , The process proceeds to the step 14. In addition, the transaction specification sheet 42 is not issued.

If it is determined in step 22 that the passbook 17 is not inserted (no transaction), the transaction table 42a (or 42b) is cut to a predetermined length by the specification table processor 14, and the emboss character read out in step 4 is read The information and the contents of the transaction are printed by the printing unit 46 (S18), and the process proceeds to the step 14. In step 12, printing on the thermoreversible seal attaching part 4 is omitted if it is already set and registered as unnecessary.

Next, as another use of the multifunction card, the operation of storing the transaction specification in the " card type passbook " will be described with reference to a flowchart showing the electronic stamp processing shown in Fig. 8. First, when the customer selects " passbook entry " on the transaction selection screen displayed on the receptionist 21 (S31), " enter passbook or card, input password " do. When the IC card 1 is inserted in the card insertion returning slot 13a in accordance with the display (S32), the IC card 1 is received by the card processor 13 and the magnetic recording information stored in the magnetic stripe 2 is read by the magnetic head 31 (S33 ), And transmits the read account number or the like to the host computer 28.

In magnetic stripe 2, the fact that this card is an IC card is recorded in advance by magnetic codes is the same as described above. The emboss reader 32 reads the embossed characters of the emboss area 3 (S34), and temporarily stores the information in the memory 23.

On the other hand, when the customer enters a password in the "input key screen" (S35), the entered password is also transmitted to the host computer 28, and the calculated ledger file 29a The corresponding password is collated. In the above operation, if a customer error operation such as an error in inputting a password or the like, such as an insertion direction of the IC card 1, occurs, a predetermined return process is performed, but the process is not related to the present invention.

When the magnetic code of the IC card is detected by reading the magnetic information in step 33 in parallel with the input operation, it is determined that the inserted card is a thing having an IC (integrated circuit), that is, an IC card, The IC card is conveyed to the IC card reader / writer 34, the contact 34a is rotated in the direction of the arrow C, and the terminal portion 5 and the contact 34a are brought into pressure contact with each other.

Subsequently, the storage information of the IC card 1 is read (S36). First, a voltage, a clock, and the like are supplied to the terminal unit 5 in a predetermined order, and the data received by the host computer 28 and the IC card 1 are checked with each other to confirm that they are correct.

Information that is a customer who can be traded in the calculation ledger file 29a in the storage device 29 managed in the host computer 28, data permitting the transaction, remaining balance information and remaining length data are transmitted to the ATM 12 (S37). The ATM 12 edits the transmitted balance information and the non-issuance date data in transaction history format in the order of transaction date and time (S38), and displays the "transaction history (balance information)" and "print" key on the receptionist 21 (S39). When the customer presses the " print " key on the display screen (S40), the print processing is performed in parallel (S41). This printing process will be described later.

Next, a case in which the transaction history information is stored in the IC card 1, but there is information after the transaction that is later than the information read from the IC card 1, that is, the case where there is the not yet-used transaction data, will be described. The transaction history information is stored from the EEPROM 9a (EEPROM-1 in FIG. 8), and stored in the EEPROM 9b (EEPROM-2 in FIG. 8) When the management flag 11e is stored in the storage area and is received up to the end of the storage area 11e of the EEPROM 9b, the old transaction history information in the storage area 11d of the EEPROM 9a is erased and the management flag 11f is stored in the erased storage area 11d Programmed.

In addition, if a plurality of transaction history information is stored and even if there is unincorporated transaction history information even if it is stored up to the last storage area, all of the transaction history information on the first storage area 11d side is erased, It is also possible to store the non-stored transaction history information.

The main control unit 25 retrieves the management flag 11f indicating the storage area in the read EEPROMs 9a and 9b and stores the transaction history information from the storage area in which the management flag 11e is detected.

If the management flag 11f is stored in the EEPROM 9a in step 42, it is determined in step S43 whether or not the transaction history information including the unused length can be stored in the transaction information amount. If it is possible to store the transaction history information and the transaction history information in the EEPROM 9a, the management flag 11f is set again and the information is stored in the IC card (S44).

Upon completion of the update of the information in the IC card 1, the IC card 1 is disconnected from the terminal section 5, and the IC card 1 is transferred to the thermal head 33 to erase the printing of the thermally reversible seal attaching section 4 first. In the example, the final transaction date and the balance amount) are printed (S45). The printing necessity and the unnecessary printing of the final transaction history information are set and registered in advance in the IC card 1 or the ATM 12, and may be omitted.

Next, the IC card 1 is transferred to the magnetic head 31 to update the magnetic recording information of the magnetic stripe 2. Concurrently, the specification table processing unit 14 extracts the transaction specification sheet 42a (or 42b) for only a predetermined length and cuts it with the cutter 45, prints it by the printing unit 46, and conveys it to the card insertion returning slot 13a. The IC card 1 and the transaction specification sheet 42 are discharged to the card insertion / return slot 13a, and when the customer removes them, the transaction at the ATM 12 ends. When the above operation is completed, the processing end is sent to the host computer 28, and the calculation ledger file 29a in the storage device 29 is updated and the processing is completed.

In addition, when the customer detects that the IC card 1 and the transaction specification sheet 42 have been placed, it is collected and stored in the collection box. Although the update of the magnetic recording information is described, it may be omitted depending on the contents of the transaction. It is also possible to erase the unprocessed data stored and managed in the host computer 28 when the transaction history information is stored in the IC card 1.

In step S43, it is described that the total transaction history information for the unrecorded area can not be stored in the EEPROM 9a. First, the transaction history information up to the number of transactions that can be stored in the EEPROM 9a is stored (S47). All the transaction history information stored in the EEPROM 9b is subsequently erased, and the remaining transaction history information newly stored in the step 47 is stored (S48).

Here, if transaction history information is stored in the EEPROM 9d and transaction history information exists as remaining information (S49), the process proceeds to step 53, which will be described later.

However, this situation can be avoided because it is desirable to determine the storage capacity of the EEPROM 9a in consideration of the maximum number of transactions to be stored. The remaining transaction history information is stored in the EEPROM 9d in step 49. If there is no remaining information, the management flag 11f is set again, the information is stored in the IC card, and the process proceeds to step 45 described above.

In step 42, when the management flag 11f is detected in the EEPROM 9d, it is judged in step S50 whether or not the EEPROM 9d can store the transaction history information including the transaction history information for the unknown length in the EEPROM 9d. If storage is possible, transaction history information and management flag 11f are set for the second time in the EEPROM 9d, and their information is stored in the IC card 1 (S51).

Next, in step S50, it is described that the total transaction history information for the unrecorded area can not be stored in the EEPROM 9b. First, the transaction history information up to the number of transactions that can be stored in the EEPROM 9b is stored (S52). All the transaction history information stored in the EEPROM 9a is subsequently deleted, and the remaining transaction history information newly stored in the step 52 is stored (S53).

Here, if the transaction history information is stored in the EEPROM 9a and the transaction history information exists as the remaining information (S54), the process proceeds to the step 48 described above.

Next, the print processing in step 41 will be described. Fig. 9 is an example of screen display of the electronic badge specification, and if such a request is made in step 40, such a screen is displayed. This is unprocessed data as transaction history information stored in the IC card 1, and is displayed on the screen as in the conventional passbook format format. Here, when the customer presses the " PRINT " button, the passbook processor 16 is activated.

In the passbook processor 16, the slip guide roller 68a is brought into pressure contact with the form 69, and further rotated to the right to feed the slip 69 in the direction of the arrow D to convey it to the print head 63. As shown in Fig. 10, And returns to the insertion returning slot 16a, and displays in the steward 21 the message " print finished " to receive the order, " and urges the customer to take out the order 69. [ If the customer finds out that the item 69 has been laid down by means not shown, it means that the item print process has ended.

Here, with reference to the document 69, the document 69 has almost the same outer shape as the passbook 17, and the ruled line, the year, the date, and the like are already printed on the surface side as shown in FIG. 10, It is possible to print only the image.

Also, the number of printable lines is set to be about five lines larger than that of passbooks. Further, the back surface is printed in a white paper state or in a faint color, and there is no printing such as ruled lines. As a conventional passbook, the row change interval is generally 5.08 mm. In the present row 69, however, it is possible to set the row change interval to 4.23 mm for printing successively from the first row, You can also increase the number of rows.

A conventional passbook example will be briefly described with reference to Fig. 19, where 17a is a magnetic stripe and magnetic data similar to the magnetic stripe 2 of the IC card 1 is recorded. Reference numeral 17b denotes a page mark for identifying a page on which a passbook is opened. Reference numeral 17c denotes a center hold, and a plurality of pauses (middle papers) are formed as a folded portion.

A case in which a selection screen not shown is displayed to provide a service for aggregating and displaying the electricity bill or the like among the automatic account replacement information that is the past transaction history information will be described.

When the customer requests the service by the customer guidance screen display (not shown), the transaction history information is read out in the IC card 1, and the past two years of the monthly data of the electricity bill shown in Fig. 11 are edited and displayed in a graph .

Here, when the customer presses the " PRINT " In addition, the service can be terminated by pressing the "end" button. As the passbook processing section 16, the sheet feeding roller 68b is brought into pressure contact with the table 69 and rotated to the left to feed the table 69 in the direction of the arrow E to feed the sheet 69 to the print head 63 to print on the table 69 And returns it to the passbook insertion returning slot 16a, so that the customer is prompted to take out the card 69 of the customer by indicating to the steward 21 "Please accept the card because the printing is finished". The printing on the table 69 is carried out on the back side.

If the withdrawal of the item 69 by the customer is detected by a means (not shown), the item printing process is terminated. As described above, in the case of printing on the back side of the table 69, all the lines or characters including the ruled line are printed, but there are degrees of freedom because various service screens can be handled. The notch 69a set in the corner of the item 69 is set to check the front and back sides, and the presence or absence of the notch 69a is detected by a sensor (not shown) before printing.

The above description is based on the assumption that the transaction history information is stored in the IC card 1 in the transaction date and time. However, in a variety of transaction systems, transactions are not permitted by the IC card, In some cases, transaction history information has not been stored in the order of transactions. FIG. 13 is a conceptual diagram showing an example of various types of transaction by the multifunction card, and FIG. 14 is an explanatory view showing the concept of storing and displaying transaction history information in the multifunction card, and will be described with reference to FIG.

The ATM 12 is connected to the host computer 28 via the communication line 30 via the TC 27 (not shown) as described above. 12a is, for example, an ATM installed in another financial institution, connected to the host computer 28a held by another financial institution by the communication line 30a, and is also connectable to the host computer 28 through the network line 70. [

12b is a cash payment apparatus (hereinafter referred to as a CD) 12b that is installed, for example, as an off-line system in an enterprise and in a store. Based on the information on the recording medium 71 that has received deposit balance information for each customer account, It is enabling transactions.

The recording medium 71 is moved at the same time as the cash storage high at the CD 12b every predetermined time, then inputs the recording information to the storage device 29 and updates the deposit balance information of the calculation ledger file 29a in the storage device 29. [ Then, the second latest information is recorded, and it is mounted on the CD 12b at the same time as the cash for the payment transaction.

In FIG. 14, transaction histories 1 to 3 (reference numeral 11e ') are transaction history information stored in the IC card 1, and transaction history 3 is stored as a final transaction. The transaction history 4 to 6 (reference numeral 29a ') is data not yet stored in the IC card 1 as transaction history information, and is stored and stored in the storage device 29. [

Transaction history 7 (12b ') is transaction history information traded offline by the CD 12b, and transaction history 8 (12a') is past information traded (another transaction) by another financial institution. Transaction history 9 is the transaction history information that the present transaction is proceeding. At the time of storing the transaction history 4 to 6 and the transaction history 9 in this current transaction, the transaction history 7, 8 is that information is not transmitted to the host computer 28 and is not stored in the calculation ledger file 29a, It is not possible to store transaction history 7,8. Therefore, in the transactions after the transaction histories 7 and 8 are received, their transaction history information is stored in the IC card 1. When the host computer 28 receives the transaction history 7 or 8, the host computer 28 can change the transaction history in the order of the transaction date and store it in the storage device 29.

9 and 10, the MPU of the IC card 1 or the ATM 12 of the IC card 1 receives some information (not shown in the figure) And then edited in order of transaction date.

Next, the case of transaction using the ATM 12 for processing display for displaying the order at the transaction date will be described, but the operation and operation from the insertion to the return of the IC card 1 are the same as described above, and therefore only the main part will be described.

When the ATM 12 receives the transaction history 4 to 6 as the non-recorded data, the ATM 12 stores the transaction history information 1 to 3 in the storage unit 23, reads the transaction history information 1 to 3 from the IC card 1, Date and time, and displays it on the receptionist 21 in the order of the transaction history information corresponding to the time.

The transaction history 4 to 6 is stored in the transaction history 4 to 6 in the IC card 1, and the transaction history 4 to 6 is stored in the storage area in which the management flag 11f in the IC card 1 is set . Even if the transaction history information 1 to 3 from the IC card 1 transmitted to the ATM 12 is not in the order of the transaction date, the transaction date and time are searched for on the ATM 12 side and displayed on the receptionist 21 in the order of the transaction history information corresponding to the date and time. It is needless to say that it is also possible to transmit the data to the ATM 12 in the order of the transaction date in the order of the transaction date. However, since the operation for changing the bank number is performed in the second ATM 12 after application of the non-

Next, a mode of use as " electronic money " treated as a multifunction card for another purpose will be described. Since the IC card 1 needs to be used every time an electronic money transaction is performed, when the frequency of handling increases, the balance becomes insufficient and a " supplement of funds " is required and the IC card 1 is charged with funds. The case of charging (moving funds) from the customer's account to the IC card 1 as electronic money will be described with reference to a flow chart of the electronic settlement of the present invention shown in Fig.

First, when the customer comes close to the ATM 12, it detects this and displays the customer guidance screen on the receptionist 21. When the customer clicks "Electronic transaction", the customer guidance screen is displayed (S61), and then the message "Insert card and input password" flashes.

When the IC card 1 is inserted into the card insertion / return slot 13a (S62), information stored in the magnetic stripe 2 to be received by the card processor 13 is read. When it is determined that the IC card is an IC card by the magnetic recording information, Information is read (S63).

When the password is input by the customer (S64), the password stored in the IC card 1 read in step 63 is collated (step 65). If it is determined that the password is the same as the password in the IC card 1 read in step 63, the process goes to step 68.

If the same data does not exist in step 65, "the password is different. Please input the password again "to add a word to the customer guidance screen display to prompt the second input. If it is determined that the password can not be matched even if the re-entry is made to the predetermined number of rows, the IC card 1 is displayed on the card inserting / returning slot 13a by displaying "Password can not be changed because the password is different" (S67).

When the customer is identified by the input of the password, the connection is made to the host computer 28 (S68), and the deposit balance information is retrieved from the calculation ledger file 29a in the storage device 29. [ The CPU 11 edits the deposit balance information returned to the ATM 12 and selects whether or not to display the balance information and the instruction to input the withdrawal amount and to withdraw the withdrawal amount into the IC card 1 as cash or electronic money as shown in Fig. The customer guidance screen is displayed (S69).

When "electronic communication" is selected (S70), it is displayed whether or not the electronic money balance information stored in the IC card 1 and whether or not the fund transfer of the ОО circle can be made. The customer refers to this screen display (S71). The main control unit 25 of the ATM 12 adds the withdrawal amount to the electronic money balance information of the IC card 1 to judge whether it is within the transaction limit (S72). If it is within the transaction limit, the balance information of the IC card 1 is updated (S73).

If it is determined in step 72 that the transaction amount is equal to or larger than the transaction limit, the maximum withdrawal amount is displayed and the customer is requested to input a correction and a confirmation operation. The IC card 1 is ejected from the card insertion / ejection opening 13a (S74). When the ejected IC card 1 is detected by a detection means (not shown) (S75), the withdrawal processing in the ATM 12 is completed. Then, the withdrawal amount is transmitted to the host computer 28, the deposit balance information of the customer in the calculation ledger file 29a is updated (S76), and all the processing is completed.

Then, in step 70, the case where the customer selects " cash " is described. This is the case where the customer sees a screen display showing the balance in the IC card 1, judges that charging as electronic money is unnecessary, and desires cash withdrawal at this point.

First, when the withdrawal amount is inputted and the withdrawal possibility is confirmed from the deposit balance information, the denomination of the denomination indicated by the money processing unit 19 is extracted, and the money is discriminated and counted while conveying the predetermined conveying route, And then stands by (S77).

On the other hand, the transaction history information is stored in the IC card 1 as the transaction history information in the manner described in the description of the withdrawal transaction, and is discharged from the card insertion return slot 13a (S78). When the withdrawn item is detected by a detecting means (S79), and the shutters 20a and 20b are opened to enable acquisition of money (S80). When the money is extracted by detection means (not shown) (S81), the shutters 20b and 20b are closed and the step 76 is executed. Thus, the charging process of the money (electronic money) to the IC card 1 held by the customer is completed, and the charging liquid amount or the cash payment amount is transmitted to the host computer 28. The deposit balance information of the customer in the storage device 29 is updated The processing is completed.

Although the charging transaction of electronic money has been described above with reference to the flowchart of the electronic settlement described in Fig. 15, another embodiment will be described with respect to the instruction input in step 70. [ 16, if the customer presses, for example, "electronic call, 1, 2, only, cash, 3, only 8, 1,000, confirmation", IC card 1 is charged with 120,000 won as electronic money in step 72 , The cash is withdrawn at a cost of 38,000 won at step 77, and the concurrent processing is advanced by each of the above-mentioned steps. Needless to say, in step 76, the total of 158,000 won is subtracted from the customer's deposit balance information.

As described above, an example of the function of the electronic wallet for performing the transaction by the customer identification card (cash card), the card-type passbook, and the electronic money used for the transaction of deposit and withdrawal by the financial institution is described as a multi-function card. The non-entry information is stored in the IC card, so that the operation input for charging can be reduced.

Finally, a personal terminal capable of displaying electronic balance in the IC card 1 used as a multifunction card and transaction history information such as deposit and withdrawal transactions and the like will be described.

In addition, this personal terminal is not limited to a loan by a financial institution or the like, and even if it is a commercially available product, there is no problem if it has a function conforming to a predetermined standard.

17 is an explanatory view showing the use state of the personal terminal. In the figure, 50 is a personal terminal, and the IC card 1 can be inserted in the direction of the arrow F rather than the opening portion 51.

Reference numeral 52 denotes a display unit for displaying information stored in the IC card, such as an operation indicator, and 53a to 53f are operation keys for performing various operations.

53a and 53b are operation keys for searching for information to be displayed. For example, when retrieving all transaction information of display information, the upward operation key 53a is pressed, and when downward transaction information is retrieved, the downward operation key 53b Click. 53c, and 53d are operation keys that can scroll the screen left and right to retrieve information that has not been tampered with in the number of digits of the display screen. Reference numeral 53e denotes a mode setting key, which is a key operated to specify desired information to be displayed, and changes the display of the stored information in a predetermined order.

Reference numeral 53f denotes a clear key for returning to the initial screen. When the IC card 1 is inserted after being inserted, it also has a function of providing a voltage and a clock to the terminal unit 5 in a predetermined order.

The personal terminal 50 is provided with an insertion detecting section for detecting the inserted IC card 1, a predetermined program for performing communication control with the IC card 1, a memory section for temporarily storing the read-out stored information, A control unit for controlling information, and a power supply unit which is a battery for supplying power to the above-mentioned respective units. The above-described control unit reads out and edits the stored information in the IC card and controls the display, but is pre-programmed so that information can not be stored and updated.

When the transaction history information stored in the IC card 1 is not the transaction date and time in the display operation such as the deposit and withdrawal transaction, the MPU of the IC card 1 searches the transaction date and time, and the transaction history information corresponding to the date and time It may be displayed on the display unit 52, but may be displayed on the display unit 52 in turn on the transaction date at the personal terminal 50 side.

Next, the operation contents will be described with reference to Fig. When the IC card 1 is inserted into the opening 51 of the personal terminal 50 owned by the customer (individual) and the insertion detecting portion 54, which is not shown inserted into a predetermined position, detects the electrical connection with the terminal portion 5 .

When the customer presses the clear 53f, the storage information in the IC card 1 is read in a predetermined order. The control unit 56 edits the read information in accordance with a predetermined format stored in the memory unit 55, and causes the display unit 52 to display the edited information. This display is, for example, the transaction history information 11d and 11e shown in FIG. 2, and the final information (stored in the storage area of the transaction history information 3) Quot; 350,000 won " is displayed as shown in Fig.

In the case of retrieving all transaction information of the final transaction history information displayed by the customer, when the operation key 53a is pressed, the screen is scrolled in the direction of the arrow G, and the previous transaction information is sequentially displayed as shown in Fig. 18 (a). On the contrary, when the operation key 53b is pressed, the transaction information is not stored, and therefore, " no data " is displayed as shown in Fig. 18B. When the operation key 53c is pressed, the display is scrolled in the direction of the arrow K as shown in Fig. 18 (c). It is also possible to scroll in the direction opposite to the direction of the arrow K by pressing the operation key 53d.

When the mode setting key 53e is pressed, the display subjects are changed in a predetermined order. For example, transaction history information, non-entry information, electronic money balance information, and other service information, and returns to the transaction history information secondly. Fig. 18 (d) shows balance information as electronic money, and Fig. 18 (e) shows an example of a service screen. In Fig. 18, the total amount of electricity consumption for one year is shown.

By using the personal terminal in this way, it is not necessary to use the automatic transaction device, so that the transaction history information can be confirmed, so that the function of the conventional passbook can be achieved. In addition, the personal terminal can be miniaturized and can be sized so as to fit into a pocket, and has a control unit, an operation unit, and a display unit, and can be used in combination with a portable telephone, an emergency pager, Because it is easy, it is not troublesome for the customer.

As described above, according to the present invention, since the contact for transmitting and receiving signals between the IC card and the automated transaction device is a contact type electrical coupling part, in the existing automatic transaction device, some modifications of the card processing part, It is possible to provide an automatic transaction apparatus capable of handling an IC card having a multifunctional function inexpensively by changing the program so that the control can be performed. In addition, since the transaction information corresponding to various uses is stored in one IC card, it shows the effect that convenience to the customer is good. It is also possible to provide a service for displaying and recording the balance information at the time of the final transaction for each transaction on the surface of the IC card by storing the transaction history information in the IC card, have.

Claims (22)

In a multifunction card system using an IC card having a storage area for a plurality of times of transaction information and capable of storing the transaction information in the storage area in transaction order, Even when transaction information is stored in the entire storage area, the transaction information stored in the immediately preceding storage area is erased when the multi-transaction information is required to be stored, and the transaction information is additionally stored in the erased storage area A multi-functional card system. The method according to claim 1, Wherein the IC card system is provided with a plurality of memory elements, and each memory element has a plurality of memory areas. 3. The method according to claim 1 or 2, Wherein said IC card is provided with a seat as a card type account, and stores transaction history information in a money deposit / withdrawal transaction. 3. The method of claim 2, Wherein the transaction history is stored through a terminal portion electrically connectable to a plurality of memory elements of the IC card. 3. The method of claim 2, Wherein the memory element is a nonvolatile memory electrically erasable and rewritable of the memory information. The method of claim 3, There is provided an automatic transaction apparatus having an automatic transaction apparatus having a card processing section capable of receiving the IC card and reading and recording transaction information stored in the IC card, a host computer connected to the automatic transaction apparatus by a line, And the automatic transaction apparatus receives the above-mentioned remaining-amount transaction history information and stores the information in the next storage area of the final transaction history information stored in the IC card A multi-functional card system. The method of claim 3, There is provided an automatic transaction device having a card processing section capable of receiving the IC card and reading and recording the transaction information stored in the IC card, a host computer connected to the automatic transaction device by a line, And the automatic transaction device receives the above-mentioned yet-to-be-traded transaction history information and stores the information of the past transaction history in the next storage area of the transaction history information storing the information on the IC card In the order of transactions. The method of claim 3, A card accepting unit for accepting the IC card and reading out the transaction information stored in the IC card; a reception unit for displaying a customer guidance screen and an operation input screen to the customer; and a control unit for editing the transaction information in a predetermined format A host computer in which an automatic transaction device is installed and connected to the automatic transaction device by a line, Wherein the automated transaction apparatus reads out the transaction information stored in the IC card, receives the past transaction history information, and stores the information of the past transaction history in the host computer Edited by the transaction type, and displayed on the steward. The method of claim 3, A card accepting unit for accepting the IC card and reading the transaction information stored in the IC card; a reception unit for displaying a customer guidance screen and an operation input screen to the customer; and a control unit for editing the transaction information in a predetermined format A host computer in which an automatic transaction device is installed and connected to the automatic transaction device by a line, Connected to a storage device for storing unprocessed transaction history information managed in the host computer, the automated transaction device reads the transaction information stored in the IC card, receives the unused transaction history information, And displays it on the steward. ≪ Desc / Clms Page number 24 > 8. The method according to claim 6 or 7, Stores the current transaction information in the next storage area of the stored past transaction history information. The method according to claim 5, 6, or 7, And stores the transaction history information to be stored in the storage element by deleting the transaction history information on the storage element side in which the most previous transaction history information is stored when the storage area of the IC card becomes full, . 9. The method of claim 8, The automated teller machine is provided with a form storage section, a delivery path and a table printing section provided on a part of the delivery path, And when there is a print instruction input by the customer on the information displayed on the steward, the multifunction card system prints out the form information by printing out the form on the form storage unit. 11. The method of claim 10, And when the storage of the transaction history information is completed, stores the management flag in the next storage area. 13. The method of claim 12, Characterized in that the above-mentioned form document storage unit and the document printing unit are set in the passbook processing unit and share the passbook processing function. 13. The method of claim 12, Wherein a plurality of means for feeding the form from the form storage means to the conveying path are provided, and one of the form feeding means is a direction for reversing the front and back of the form. 14. The method of claim 13, Wherein the final transaction history information stored in the IC card is determined by retrieving the management flag and stores the non-storage information from the storage area in which the management flag is stored. 16. The method of claim 15, And wherein the multifunction card system guides the front and back of the document when the document is printed other than the past transaction history information. In a multifunction card system having an IC card that is provided with a storage area for transaction information and stores the transaction information in turn in the storage area, A thermally reversible seal part is provided on the surface of the IC card, And a transaction device having a printing section on the thermally reversible seal section and having a card processing section capable of reading and writing the transaction information stored in the IC card is provided to print the transaction information on the thermally reversible seal section. system. 19. The method of claim 18, And the print information on the thermally reversible chamber is final transaction information. An IC card for storing transaction history information, And a personal terminal having an information reading section, a display section, and a display switching operation section in the IC card, and capable of sequentially displaying transaction information for each transaction course stored in the IC card. system. 21. The method of claim 20, Reads the transaction history information in the IC card, and displays the transaction history information on the display unit in order of the transaction date. 22. The method of claim 20 or 21, Wherein the transaction is started in the latest transaction in the order of the displayed transaction date, and is sequentially scrolled by an instruction operation on the operation unit.

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