JPS60198683A - Ic card system - Google Patents

Abstract

PURPOSE:To prevent the foul use of an IC card and to improve the safety of the card by storing the necessary various types of data on transaction to an IC card together with a available period set before the transaction is started and detecting the available period to perform the transaction within the available period in a transaction mode. CONSTITUTION:A customer feeds the type of transaction, a password number and a transaction amount to his/her own IC card before visiting his/her own bank. Then the customer sets the available period and feeds it to the IC card. This available period is stored to a memory area of a RAM4 of the IC card and expires when the transaction is ovsr. The data on transaction are read by a ROM3 and the RAM4 out of the IC card put into a terminal device by the customer. The contents stored in the RAM4 are erased for safety when the transaction is over. Then the IC card is returned to the customer.

Description

[Detailed Description of the Invention] Technical Field of the Invention The present invention relates to an IC card system, and in particular, a system for storing data necessary for transactions with financial institutions such as banks and credit companies with a desired validity period set in advance before the transaction. The present invention relates to an IC card system that is comprised of an IC card that can be used to operate a computer, and a terminal device that communicates with such an IC card, and that allows transactions to be executed only during the validity period.

Description of the Prior Art Currently, magnetic cards such as so-called cashier cards and credit cards are widely used for transactions such as withdrawals, deposits, and transfers through online systems with financial institutions such as banks and credit companies. There is. These magnetic cards magnetically store data such as codes for identifying customers.

When making a transaction, customers go to their bank with these cards and use the so-called A
i-M (Automatic Teller Ma
chlne) or CD (Casb [) 1spens
Insert your card into a transaction terminal such as
Input data necessary for the transaction, such as the IO certificate number, transaction type, and transaction amount, into the terminal device by operating input means such as a keyboard according to the prescribed procedure. The encrypted information of the card read by the terminal device and the various transaction information entered by the customer into the terminal device are transmitted to each bank's center, and the center's 7 files are updated according to this information and an instruction to execute the transaction is issued. given to the terminal device. As a result, various transactions are executed between the customer and the terminal device.

By the way, the types of transactions made through online systems now include transactions that are not frequently used, such as transfers and transfers, and considering the current social situation, we believe that the number of such types of transactions will continue to increase in the future. It will be done.

Current magnetic cards only have the customer identification function.
Therefore, when making a transaction, the customer must determine each edge transaction data, such as the type of transaction, and input it into the terminal device. For the customer, the number of selection elements and operating procedures at the time of transaction, that is, when operating the terminal device, increases.

This may cause customers to be confused when making transactions.
Banks are taking measures such as installing display means such as CRTs on terminal devices to show transaction procedures and selection elements to customers. However, such auxiliary means have limitations, and it is difficult for customers who are not familiar with terminal devices to carry out transaction operations in a short period of time, and the efficiency of transaction processing may deteriorate.

Additionally, these conventional magnetic cards are subject to unauthorized use due to theft, loss, etc. Such unauthorized use is often carried out by unattended transaction terminals such as ATVs and CDs. Of course, the PIN numbers must match in order to make an unauthorized withdrawal, but PIN numbers are usually made up of numbers that are relatively commonplace, such as the customer's date of birth or phone number, making unauthorized use difficult. There is a risk that it will be inferred by someone else. Zaranimi Conventional magnetic cards are easily decoded and have security issues.

OBJECTS OF THE INVENTION Therefore, the main object of the present invention is to provide an IC card that can solve the above-mentioned drawbacks and store various data necessary for a transaction with a desired expiration date set in advance before the transaction;
It is an object of the present invention to provide an IC card system that is configured with a terminal device that detects the expiration date at the time of transaction and executes the transaction only within the expiration date, prevents unauthorized use, and improves security.

Structure and Effects of the Invention To summarize the invention, data storage means (ROM, RA
M) and a data processing means (CPU), the IC card is further provided with an input means for manually inputting transaction data and a transaction expiration date in the RAM, and a display means for displaying these input data. , Before a transaction, enter some or all of the transaction data such as the PIN number, transaction type, transaction amount, etc., and the expiration date of these data in advance. The data is read by an IC card terminal device and the transaction is executed.

Therefore, according to the present invention, a customer can enter various transaction data into his or her IC card before going to the bank, and can also set an expiration date for this data, and after this expiration date has passed, the data will be transferred to the terminal device. Transactions cannot be executed even if the IC card is inserted. For example, if a 5-hour expiration date is set when inputting transaction data, even if the data falls into the hands of an unauthorized user due to loss or theft, it will not be possible to perform a withdrawal transaction after the expiration of this validity period. As described above, according to the IC card system of the present invention, unauthorized use by a third party can be prevented, and the safety of transactions can be improved.

The present invention will be explained in more detail below along with embodiments shown in the drawings.

DESCRIPTION OF THE EMBODIMENTS FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting an embodiment of the present invention.

r A C card is a card that has the same size and shape as a conventional magnetic card such as a cashier card or credit card, and has at least memory such as ROM or RAM, a CPLJ, and a contact point for communicating with a terminal device (usually 8
) and is built-in.

Conventional magnetic cards have a small storage capacity and are easy to decipher stored information. An IC card has a larger storage capacity than a conventional magnetic card, and it is also possible for the IC card itself to independently issue a request.

In FIG. 1, the input/output port 1-1 is provided with an input/output line terminal 8, and the input/output port 1 is provided with a data bus 9.
It is connected to the CPU 2, ROM 3, RAM 4, display 5, and keyboard 6. input/output boat 1,
Power is supplied to the cPU 2, ROM 3, RAM 4, display 5, and keyboard 6 from a dry battery 7.

Here, the input/output boat 1 is for communicating with a terminal device during transactions, and the ROM 3 stores ID numbers, bank numbers,
RAM 4 stores fixed data related to transactions such as branch number, account number, expiration date, etc., as well as programs for transaction processing. The keyboard 6 is used to memorize the set second expiration date, and the keyboard 6 RA stores the necessary data and second expiration date for each transaction.
The display 5 is for displaying the input data to the customer.

Next, FIG. 2 is an external perspective view of an IC card constituting an embodiment of the present invention. In FIG. 2, a power switch 11, a keyboard (touch keys) 12, a liquid crystal display 13, and contacts 14 are provided on the front panel of the IC card body 10.

The power switch 11 is for supplying power to each component of the IC card shown in FIG. 1, and the keyboard 12 is for inputting various data and expiry date required for transactions into the IC card and storing them in the RAM 4. The liquid crystal display 13 is for displaying the above input data to the customer, and the contact 14 is for communicating with the terminal device when the IC card is inserted into the terminal device. be.

Next, FIG. 3 is a diagram showing a memory map of an IC card constituting one embodiment of the present invention, which is composed of a 1 (0M storage area) and a RAM storage area.

Furthermore, FIG. 4 shows an I
FIG. 2 is a flowchart for explaining a specific operation program for inputting and storing transaction information before a transaction, which is stored in the ROM of the C card.

Next, with reference to FIGS. 1 to 4, specific operations when inputting large amounts of IG card transaction data will be described. The embodiment shown in FIG. 4 shows a case where the type of transaction, the PIN number (hereinafter referred to as cipher), the transaction amount, and the expiration date of these data are stored in the IC card before the transaction.

Before going to the customer's own bank, the customer enters the above-mentioned transaction data, that is, the type of transaction (hereinafter referred to as transaction number), code, and transaction amount, into his or her IC card whenever and wherever he or she likes. First, the customer turns on the power switch 11 of the IC card. Then, power is supplied to each element constituting the IC card shown in FIG. Next, the customer operates the keyboard 12 to select the desired transaction number, ie, the type of transaction, and input it into the IC card. In this embodiment, transaction number 1 represents withdrawal, transaction number 2 represents deposit, and transaction number 3 represents reshoot.

This selected transaction number is stored in the storage area of RAM4.

Next, the customer sets a second expiration date and enters it into the IC card. This second expiration date is determined by taking into account the time from the time of data entry to the time of visiting the bank.
In other words, predict the time when the transaction will end, and then
set to expire. This second expiration date is stored in the storage area of the RAM 4 of the IC card. Furthermore, the following data input and storage operations are executed based on the program for each transaction type stored in the ROM 3, which corresponds to this transaction number.

When the customer selects transaction number 1 (withdrawal), the customer first inputs a code using the keyboard 12. This code number I
It is stored in the storage area of the RAM 4 in the C card (Fig. 3).Subsequently, the customer enters the withdrawal amount using the keyboard 12.
is stored in the storage area of

This completes the storage of transaction data in the case of withdrawal, and
The power of the C card is automatically turned off according to the program.

When selecting transaction number 2 (deposit), the customer uses the keyboard 12 to input the deposit amount. This amount is RAM4
is memorized. This completes the storage of transaction data in the case of deposit, and the power to the IC card is automatically turned off as well.

Further, when selecting transaction number 3 (transfer), the customer first inputs a code using the keyboard 12. This code is stored in RAM4. Subsequently, the customer enters the other party's bank number and its account number using the keyboard 12. This data is also stored in RAM4. Further, the customer uses the keyboard 12 to input the transfer amount. This amount is also stored in RAM4. This completes the storage of transaction data in the case of transfer, and the power to the IC card is automatically turned off. Further, each data input using the keyboard 12 is displayed on the liquid crystal display 13 each time, so that the customer can confirm whether his/her manual data is correct.

As described above, according to this embodiment, the transaction number, code, and transaction amount can be reliably stored in the IC card in advance before the transaction.

Next, FIG. 5 is a schematic block diagram, not showing the electrical configuration, of an IC card terminal device that communicates with the IC card constituting one embodiment of the present invention shown in FIGS. 1 to 4.

In FIG. 3, the IC card reader 15 is the first unit that communicates with the input/output port 1 of the inserted IC card via the contact 14, and the CRT 16 is used to display transaction procedures etc. to the customer. The keyboard 17 is a unit for the customer to communicate with the terminal device when necessary, and the slip issuing machine 18 is a unit for issuing slips after receiving withdrawal permission from the center. The unit 19 is a unit for counting the banknotes inserted by the customer at the time of deposit, the banknote discharge unit 20 is a unit for paying cash to the customer, and the passbook printing unit 21 is an IC
This unit prints transaction records on the inserted passbook when the passbook is inserted into the terminal device at the same time as the card. Each of these units is connected to a control section 22 via an internal data bus, and the control section 22 controls the operations of these units. Further, the control unit 22 connects each bank's center CPU (
(not shown).

Next, FIG. 6 is a diagram showing a memory map of the IC card terminal device shown in FIG. 5.

Further, FIG. 7 is a flow diagram for explaining a specific reading operation between an IC card and an IC card terminal device constituting an embodiment of the present invention.

Next, a specific IC card reading operation will be explained with reference to FIGS. 5 to 7. Reading of the IC card is performed using a half-duplex communication method, similar to the communication between the terminal device and the center CPU.

First, a customer inserts an IC card constituting an embodiment of the present invention shown in FIGS. 1 to 4 into a terminal device provided at each bank. Then, the IC shown in Figure 1
Power is supplied to each element constituting the card, and the CPU 2 generates a card insertion command based on a program stored in the ROM 3, and transmits it to the IC card reader 15 of the terminal device via the input/output port 1. Upon receiving this, the terminal device side generates an ID No. 1 request command and
Transmit to card. Next, in the IC card, the CPU 2 receives the D number request command from the terminal device via the human output port 1, and transfers the IDlt number stored in the storage area of the ROM 3 to the input/output port as shown in FIG. 1 to the IC card reader 15 of the terminal device. The terminal device that receives this generates a bank number request command and transmits it to the IC card. Next, in the IC card, the CPU 2 receives the bank number request command from the terminal device via the input/output port 1, and sends the R
The bank number stored in the storage area of OM3 is transmitted to the IC card reader 15 of the terminal device via the input/output port 1. Upon receiving this, the terminal device generates an expiration date data request command and transmits it to the IC card. Next, I.C.
At the card, a crowd of Kapo! -1, the CPU 2 receives the expiration date data request command from the terminal device.
As shown in FIG. 3, the expiration date data stored in the storage area of the ROM 3 is transmitted to the IC card reader 15 of the terminal device via the input/output port 1. As described above, first, the fixed data related to the transaction stored in the ROM 3 of the IC card is read out by the terminal device.

Next, depending on the type of transaction, the terminal device generates a RAM storage content request command for requesting transaction data stored in the RAM 4 in advance according to the respective program, and transmits it to the IC card. Next, in the IC card, the CPU 2, which has received the RAM storage content request command from the terminal device via the input/output port 1, executes the R
The RAM storage contents stored in the storage area of AM4, that is, various transaction data such as transaction number, code, transaction amount, and counterparty bank, are transferred to the IC of the terminal device via input/output capo-1 to 1.
The data is transmitted to the card reader 15. The IC card performs its role by transmitting the contents stored in the RAM to the terminal a, the power is turned off according to the program, and the terminal device returns the card to the customer after the transaction is completed.

Next, FIG. 8 is a flowchart for explaining the specific transaction processing operations from IC card insertion to transaction completion in an IC card system according to an embodiment of the present invention.

Next, specific transaction processing of the IC card system, which is an embodiment of the present invention, will be explained with reference to FIGS. 1 to 8.

From the IC card inserted into the terminal device by the customer,
As shown in FIG. 7 above, ROM 3 and RAM 4
Data regarding the transaction is read from the . First, ROM3
Fixed data unique to the corresponding bank, such as ID number, bank number, and expiration date data read from
The contents stored in RAM 4 of the C card are erased and the IC card is returned to the customer.

Next, the terminal device determines whether the transaction is within the second expiration date stored in the RAM of the IC card. If this second expiration date has passed,
The contents stored in RAM 4 of the IC card are erased and the IC card is returned to the customer. If all of these conditions are met, then the following transaction processing is executed according to the predetermined type.

When the customer has previously set transaction number 1 (withdrawal), it is first determined whether the code read from the RAM 4 of the IC card is correct. If correct, the terminal device transmits the transaction data read from the ROM 3 and RAM 4 of the IC card to the center CPU of each contract month. At the center, files are searched and updated according to these data, and a withdrawal permission command is given to the terminal device. Upon receiving this command, the terminal device orders the slip issuing machine 18 to issue a payment slip, and orders the bill dispensing unit 20 to pay cash to the customer. After the payment to the customer is completed, the contents stored in the RAM 4 of the IC card are erased for safety, and the IC card is returned to the customer according to the program, and the transaction is completed.

Next, when the customer has previously set transaction number 2 (deposit), the customer inserts the banknotes to be deposited into the banknote deposit section 19. The banknote deposit unit 19 counts the banknotes and determines whether the amount matches the amount stored in advance in the RAM 4 of the IC card. If these amounts match, the terminal device will
The transaction data read from the ROM 3 and RAM 4 of the card is transmitted to the center CPU of each bank. At the center,
Files are searched and updated according to these data.

With this, the deposit transaction is completed and the RAM4 of the IC card is
The details of the transaction stored in the IC card are erased and the IC card is returned to the customer according to the program.

Next, when the customer has previously set transaction number 3 (transfer), it is read out from the RAM 4 of the IC card and it is determined whether the code is correct or not. If correct, the terminal device transmits the transaction data read from the ROM 3 and RAM 4 of the IC card to the center CPU of each bank. As shown in FIG. 4, the center CPU communicates with the other party's bank based on the data such as the other party's bank, account number, and transfer amount that have been input in advance, and completes the transfer. As a result, the transfer transaction is completed, the contents of the transaction stored in the RAM 4 of the IC card are erased, and the IC card is returned to the customer according to the program.

As described above, according to this embodiment, the transaction data that was conventionally input on the terminal device at the time of transaction is securely input into the IC card before the transaction, and the desired expiration date is set. Even if the IC card falls into the hands of an unauthorized user due to theft or loss, there is no risk of unauthorized use after the expiration date, and the security of transactions can be improved.

[Brief explanation of the drawing]

FIG. 1 is a schematic block diagram showing the electrical configuration of an IC card constituting an embodiment of the present invention. FIG. 2 is an external perspective view of an IC card constituting an embodiment of the present invention. FIG. 3 is a memory map of an IC card constituting an embodiment of the present invention. FIG. 4 is a flow diagram for explaining the transaction data storage operation of an IC card constituting one embodiment of the present invention. FIG. 5 is a schematic block diagram showing the electrical configuration of an IC card terminal device constituting an embodiment of the present invention. FIG. 6 is a memory map of the terminal device shown in FIG. m7
The figure is a flowchart for explaining the transaction data reading operation of an IC card constituting one embodiment of the present invention. FIG. 8 is a flow diagram for explaining transaction processing of an IC card system which is an embodiment of the present invention. In the figure, 1 is the input/output port, 2 is the CPU 13 is the RO
M14 is the RAM 15 is the display, 6, 1217 is the keyboard, 7 is the dry battery, 8 is the input/output line terminal, 9 is the data bus, 10 is the IO card body, 11 is the power switch, 1
3 is a liquid crystal display, 14 is a contact, 15 is an IC card reader, and 16 is a CRT. 18 is a slip issuing machine, 19 is a banknote depositing unit, 20 is a banknote discharging unit, 21 is a passbook printing unit, 22 is a control unit, 23 is a line control unit, and 24 is an input/output terminal. Patent applicant: Tateishi Electric Co., Ltd. Agent: Patent attorney: Kube Fukami (and 2 others) Figure 1 Figure 2 Figure 7 (IC car 1'') (End*work ttsuji 1)

Claims (1)

[Claims] An IC card system comprising an IC card used for financial transactions and a terminal device that communicates with the IC card, wherein the IC card records data necessary for financial transactions. a first storage means for storing data necessary for the financial transaction; and a second storage means for storing an expiration date of data necessary for the financial transaction.
a storage means of the KS3 including a program of processing procedures for executing the financial transaction; and a storage means of the KS3 that stores data necessary for the financial transaction and the expiration date in the first storage means and the second storage means. The terminal device comprises: a data input means for manually inputting data into the means; a data display means for displaying the input data; and a data processing means for processing the input data according to the data processing method. The expiration date successive means reads out the expiration date stored in the second storage means, the expiration date detection means detects that the time of transaction is within the expiration date, and the expiration date detection means includes: An IC card system comprising: a data reading means for responsively reading data stored in the first storage means; and a transaction processing means for executing the financial transaction according to the read data.