JP2020144875A - Legal electronized currency conversion and reception/payment system for combination-type ic card at financial institution atm or window terminal - Google Patents

Abstract

To provide a legal electronized currency conversion and reception/payment system for a combination-type IC card at a financial institution ATM or a window terminal that can be restructured in a one-county, one-currency form and on a one-settlement basis using the legal electronized currency.SOLUTION: Legal currency is converted into electronized legal currency by an ATM or window terminal of a financial institution which is widely available in society, safe and stable, and easy to handle, and the legal electronized currency is charged in a combination-type IC card.SELECTED DRAWING: Figure 3

Description

Converts statutory money issued by the central bank into statutory electronic money as it is, and replaces banknotes and coins with statutory money used for settlement of ordinary purchases, etc., and uses it at ATMs and other terminals of all financial institutions and with all electronic money payment machines. Technology that enables.

1 monetary form 1 settlement method is the basis of one country's monetary economy and society in face-to-face settlement. History has maintained this basic principle, but technological innovation has led to the distribution of credit card payments and electronic money payments in a human society that seeks rationality, efficiency, and convenience. That is, today, the basics of one country, one currency form, and one settlement have collapsed, and a two-method mixed settlement society has been established.

Prior art

There are card payment method and smartphone payment method for electronic currency payment. Each of them issues its own electronic money and provides the payment settlement person with a unique payment method.

Smartphone electronic money payments are limited to users due to the peculiarity of smartphones, and are carried out over the Internet, so there are constant concerns about stability and security. However, many people are already familiar with cash cards, and IC card payments are easy to operate, and since they are carried out at the ATMs of financial institutions and the terminals of storage payment holders as described below, stability and security are proven. There is. Therefore, the ideal payment for the circulation of legally electronic money is the payment with an IC card.

It is a basic reconstruction of one country, one currency form, and one settlement using legally digitized money.

Payment settlementrs have been inconvenienced by the provision of incompatible and exclusive electronic money payments that are unique to each payment settlement person. This is the elimination of this inconvenience.

This method is a method of digitizing the statutory money issued by the central bank that is already in circulation through this procedure, and does not allow the central bank to newly issue the money as electronic money. The advantage of this is that if the central bank switches the long-established banknotes and coins to electronic coins on a fixed date and starts issuing them, there is concern that the market will be confused with conventional settlement practices and management / operation. However, since this method has already been implemented and its convenience has been established, or it is an electronic currency using an environment that is compatible with it, confusion can be suppressed. Convenience is established, for example, an ATM and a cash card system of a financial institution, an online system between financial institutions, and the like. Affinity is an electronic money payment that has already been implemented.

Electronic currency card payments in legal tender are unified into legal tender electronic currency issued by the central bank in this method.

In the future, banknotes and coins issued by the central bank will be collected by this method, and if it is the Bank of Japan, Japanese yen money will be gradually and gradually replaced by electronic money.

The structural structure diagram of the combination type IC card that converts fiat money into electronic money and the internal circuit block diagram of the semiconductor chip. Structural drawing of an ATM that converts fiat money into electronic money. Flowchart "Legal electronic currency conversion and deposit / withdrawal using a combination type IC card at a financial institution ATM". Flowchart "Payment method using a combination type IC card at a legal electronic currency payment terminal".

Since the central bank's statutory money is digitized and circulated as statutory money and used for settlement, safety and stability are required. Therefore, the ATM of a financial institution or the terminal at the counter is suitable for the encryption in the digitization. Moreover, it is desirable that the function installation be an authorization system based on the strict management and supervision of the country.

The card used for payment is an IC card, which is a combination type IC card that has both non-contact and contact types. It retains the functions of a conventional cash card, and its use at ATMs is the individual identification information recorded on the card. It is performed by the verification of and the input method of the 4-digit PIN.

At the ATM of a financial institution or at the counter, the IC card is charged electronically from an already opened account, and the payment is also made to the account in the opposite direction.

The charge from the financial institution account to the IC card is due to the electromagnetic encryption of the electronic money issued by the central bank, and the conversion function is implemented in the financial institution ATM or the terminal at the counter. Therefore, if it is an ATM of a financial institution with which it has a tie-up relationship, it does not choose a specific financial institution. It is the same as using a conventional cash card.

The electronic currency conversion device mounted on the ATM of a financial institution or the terminal at the counter is converted by the encryption currency program and the encryption processor written in the ROM.

The combi-type IC card used for payment is equivalent to a wallet required when carrying banknotes and money. That is, it is a wallet necessary for carrying electronic money. Therefore, we will set an upper limit so that we will not carry anything other than the amount necessary for safety. The upper limit is set by the cardholder at the ATM of the financial institution or at the counter terminal each time as necessary.

When a payment shortage occurs during payment with a conventional electronic money card and it becomes necessary to charge the card, the payment is made with cash at the storage payment terminal. This is because one statutory currency and two settlements are mixed. However, since this invention is the inevitable process of establishing one fiat money and one settlement in society, cash will not be carried anymore. Therefore, for the statutory currency conversion charge of the shortfall at the time of settlement, an upper limit is set in advance in the same IC card and the amount for charging is prepared. The amount is spent on the IC card from the account provided at the ATM / counter terminal of the financial institution, but it is an electromagnetically encrypted amount that is different from the electronic currency of the legal currency, and it is a 4-digit PIN code at the payment terminal. The required amount is converted into legal electronic currency in the IC card and charged on condition that the number is input. Of course, this conversion charge is also possible at financial institution ATMs and counter terminals.

This encrypted reserve currency will not be expensed from the account until it is validated as statutory digitized currency, but will be treated as an amount subject to insolvency calculation.

It is desirable that the Government of Japan distribute this combination type IC card to the people.

101 Card board 201 Semiconductor chip 301 Antenna coil (when not in contact)
302 contact terminal (at the time of contact)
401 CPU
402 Cryptographic processor (Cryptographic processing unit)
403 Memory section (RAM, ROM, EEPROM)
Built-in "legal currency conversion program for encrypted reserve currency" in ROM
"Legal currency section" and "encryption reserve currency section" area installed in EEPROM 404 Interface section 501a Non-contact front end section (power supply section, transmission clock section, reception demodulation section, transmission modulation section)
501b Front-end unit at contact (power supply unit, transmission clock unit, reset unit, data input / output unit, program supply voltage unit)
601 ATM Legal electronic currency conversion unit 602 Operation controller unit 603 Center controller unit 603a CPU
603b Memory section (RAM, ROM-Built-in encryption program)
604 Cryptographic processor (Cryptographic processing unit)
605 IC card reader / writer controller unit (IC card recognition / detection unit, IC card reading / writing unit)

Claims (2)

The statutory money issued by the central bank is converted into statutory electronic money at a financial institution ATM and a counter terminal, charged in a combination type IC card, and settled as statutory money. It is an invention that enables not only withdrawals from pre-established accounts but also deposits. The upper limit of the charge amount is set by the cardholder himself. In case of a shortfall at the time of payment, a reserve is provided in addition to the maximum amount in [Claim 1] so that legal money can be converted to electronic money at payment terminals other than financial institution ATMs and counter terminals. The encrypted electronic money, which is different from the legal electronic money, is set as the electronic amount before the legalization, and the upper limit amount is set and the amount is paid from the deposit account balance at the ATM etc. and recorded in the EPPROM in the IC card. .. It is an invention that enables payment by inputting a 4-digit PIN into a payment terminal, instructing the required amount on the terminal, converting the amount into electronic fiat money in an IC card, and charging the money when the payment is insufficient.