JPH0236493A - Portable electronic device - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Object of the Invention] (Industrial Application Field) The present invention relates to a portable electronic device called an IC card, which is used, for example, as a credit card in a shopping system.

(Prior Art) In recent years, an IC card has been developed as a new portable data storage medium, which incorporates an IC chip having an erasable nonvolatile memory and a control element such as a CPU that controls the memory. This type of IC card is designed to output necessary data in response to a request from an external device (such as the present device) by accessing a built-in memory using a built-in control element.

Furthermore, recently, battery-powered IC cards have been developed that have a built-in battery, a keyboard, and a display section, and can operate off-line without being connected to a terminal device.

Recently, such IC cards have been used, for example, as credit cards in shopping systems. In that case, at the time of shopping (shopping 11 withdrawal), by inputting the transaction amount using the keyboard on the card or a communication means to communicate with the outside, the input transaction amount will be added to the transaction limit stored in the card's memory. Transaction processing is performed by subtracting from the amount information and changing transaction limit information.

In this way, IC cards intended for transaction processing, such as credit cards, handle monetary information. However, in conventional IC cards, the currency unit used internally is generally determined when the IC card is issued, and cannot be changed after the card is issued. For this reason, for example, in order to use an IC card (credit card) abroad, you must prepare an IC card issued in the currency unit of the other country for each Fi type of currency. It was not possible to conduct transactions using multiple currency units using a card.

Also, for example, an IC with monetary information such as transaction limit
In the case of cards, even if only the currency unit is changed, the amount becomes meaningless.

(Problems to be Solved by the Invention) As described above, in the present invention, the currency unit used internally cannot be changed after the device is issued, and therefore, with one device, 't! This device was created to solve the problem that transactions using several types of currency units were not possible, and the user of this device can directly change the currency unit used internally as necessary. It is portable and allows transactions in several types of currency units with one device, and monetary information such as transaction limits can be converted into monetary information appropriate to the changed currency unit when the currency unit is changed. The purpose is to provide electronic devices.

[Configuration of the Invention (Means for Solving the Problem) A portable electronic device according to the first invention includes at least a memory section for storing monetary information, an input means for inputting monetary information, etc., and a portable electronic device according to the first invention. a transaction means for executing transaction processing based on input monetary information and monetary information stored in the memory section; a currency unit storage means for storing currency unit information of degrees; currency unit selection means for selecting one piece of currency unit information from among the currency unit information stored in the unit storage means; and transaction processing in the transaction means based on the currency unit information selected by the currency unit selection means. and a currency unit changing means for changing the currency unit of the monetary information targeted for.

A portable electronic device according to a second aspect of the present invention includes a memory section that stores at least monetary information, an input means for inputting monetary information, etc., and the monetary information inputted by the input means and stored in the memory section. A transaction means for executing transaction processing based on monetary information, a currency unit storage means for storing a plurality of types of currency unit information, and a currency unit storage means for storing each currency unit information stored in the currency unit storage means using the input means. a currency unit selection means for selecting one currency unit information from among; and a currency unit for changing the currency unit of monetary information subject to transaction processing in the transaction means based on the currency unit information selected by the currency unit selection means. a changing means, a currency conversion rate storage means for storing a currency conversion rate value, and when the currency unit changing means changes the currency unit, monetary information stored in the memory section is stored in the currency conversion rate storage means. and monetary information conversion means for converting into monetary information appropriate for the changed currency unit using the currency conversion rate value.

(Function) The portable electronic device according to the first invention is provided with a function to change the currency unit itself, so that the device can be used by using an input means such as a keyboard or a communication means for communicating with the outside. This system allows individuals to directly change the currency unit as necessary.

Further, the portable electronic device according to the second invention further has a function of converting monetary information such as a transaction limit in the memory unit using a pre-stored currency conversion rate value in accordance with a change in the currency unit. By providing this, monetary information such as the transaction limit in the memory section can be converted into monetary information appropriate to the changed currency unit when the currency unit is changed.

(Example) Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 7 shows an example of the configuration of a terminal device that handles an IC card as a portable electronic device according to the present invention. That is, this terminal device connects an IC card 21 via a card reader/writer 22 to a control section 23 consisting of a CPU or the like to enable communication, and also connects the control section 23 with a keyboard 24, a CRT display device 25, and a printer 26.
and a floppy disk device 27 are connected.

The IC card 21 is a multifunctional IC card used as a credit card for shopping transactions, etc.
It is a C card and can be used both online and offline. It also has a transaction function capable of processing transactions such as pawn transactions, a clock function that displays date and time information, and a computer function that performs at least four arithmetic operations.

FIG. 5 shows the configuration of the IC card 21. As shown in FIG. That is, 1 is a card body, which is made of, for example, a rectangular thin plastic plate. An integrated circuit (IC) 2 embedded in the card body 1 is located at a predetermined portion on the surface of the card body 1.
a contact section 3 that is electrically connected to the contact section 3 of the card league writer 22 of the terminal device during online use, and a liquid crystal display that displays input/output information, date information, time information, etc. A display section 4 and a keyboard (input means) 5 for inputting information are provided. The keyboard 5 is provided with a numeric keypad and various function keys. In addition, card body 1
A crystal oscillator 6 and a battery 7 for power supply are buried inside.

FIG. 6 shows the circuit configuration of the IC card 21 described above. That is, a control element (control unit) 1 such as a CPU
1 is in charge of overall control, and this control element 11
The contact section 3, the liquid crystal display section 4, and the keyboard 5 are connected to the , as well as a data memory (memory section) 12 for storing various data, a program memory 13 for storing processing programs for the control element 11, and a clock circuit. 14 are connected, among which the control element 11
, a data memory 12, a program memory 13, and a clock circuit 14 are formed of one chip (or a plurality of chips) as an integrated circuit 2, and this integrated circuit 2 is supplied with operating power by a battery 7. .

The clock circuit 14 generates date information (year, month, day information) and time information by counting the basic clock output from the crystal oscillator 6.

The data memory 12 is composed of an erasable non-volatile memory such as an EEPROM.
As shown in the figure, an area 121 where transaction limit information is stored and an area 122 where transaction expiration information is stored.
, multiple types of currency unit information (e.g. Japanese yen, US dollar,
Area 123, ffl where British pounds, etc.) are stored.
an area 12.1 in which a number of currency conversion rate values are stored;
and other information (address and name of cardholder,
Area 12 in which personal information (PIN number, financial institution name of transaction account, account number, etc.) is stored. It consists of etc.

Next, the operation in such a configuration will be explained.

As a means of using this IC card 21, the contact section 3
There is an online mode that is performed by a function of electrically communicating with the outside via the keyboard 5 and an offline mode that is performed using the keyboard 5 and the liquid crystal display section 4.

First, normal transaction processing in offline mode, for example, will be explained with reference to the flowchart shown in FIG. First, the card user selects a transaction function (shopping function) using the keyboard 5. Then, the control element 11 displays a message on the liquid crystal display section 4 instructing the user to enter the password.

Here, the card user inputs his/her personal identification number using the keyboard 5. Then, the control element 11 compares the input PIN number with the PIN number stored in the area 125 of the data memory 12, and displays a message on the liquid crystal display section 4 indicating that the transaction is not possible if the verification does not match. to end the transaction process.

When a match is obtained in the verification of the PIN number, the control element 11 verifies the acceptance expiration date information stored in the area 122 of the data memory 12 and the current date information generated from the clock circuit 14. The expiry date of a transaction is determined by As a result of this determination, if the transaction expiration date is invalid, the control element 11 displays a message indicating that the transaction is not possible on the liquid crystal display section 4 and ends the transaction process.

In determining the transaction expiration date, if the transaction expiration date is valid, the control element 11 displays a message on the liquid crystal display section 4 to guide input of the transaction amount. 4 displays the currency unit currently in use. Here, the card user uses keyboard 5.
Enter the transaction amount using . Then, the control element 11 determines whether the transaction amount is less than or equal to the withdrawal limit information stored in the area 121 of the data memory 12.

As a result of this determination, if the transaction amount exceeds the transaction limit, the control element 11 displays a message indicating that the transaction is not possible on the liquid crystal display section 4 and ends the transaction process.

In determining the transaction amount, if the transaction amount is less than the transaction limit, @Gomotoko 11 stores data in area 1 of data memory 12.
The transaction amount is subtracted from the transaction limit information stored in 2□, the result is set as new transaction limit information, and the transaction limit information stored in area 121 of the data memory 12 is used as the new transaction limit. Rewrite the amount information and complete the transaction process.

Next, the processing for changing the currency unit will be explained with reference to the flowchart shown in FIG.

First, when performing online mode, the card user first inserts and sets the IC card 21 into the card reader/writer 22 of the terminal device.
and the control unit 23 of the terminal device become communicable. Next, the card user selects the currency unit change function using the keyboard 24 of the terminal device. Then, the control unit 23 of the terminal device reads the currency unit information of the degree type stored in the data memo January 2 area 123 of the IC card 21, and displays one of the currency unit information on the CRT display device 25. do.

Here, each time the card user presses a specific function key in the keyboard 24, such as the NEXT key, the control unit 23 sequentially displays the currency unit information read from the IC card 21. In this case, the display method is, for example, Japanese yen is rJAPAN YENJ.
, the US dollar is represented as rUS DOLLARJ, and the British bond is represented as rBRITIsHPOUNDJ.

Then, when the desired currency unit information is displayed, when the card user presses a specific function key on the keyboard 24, for example, the YES key, the control unit 23 controls the displayed currency unit information. is selected, and a command is sent to the control element 11 of the IC card 21 to change the currency unit based on the currency unit information.

Upon receiving this command, the control element 11 performs a process of changing the currency unit based on the selected currency unit information.

As a result, the currency unit corresponding to the selected currency unit information becomes the currency unit to be used.

When the currency unit changing process is thus completed, the control element 11 of the IC card 21 controls the area 121 of the data memory 12.
The transaction limit information stored in the data memory 12
The currency conversion rate value stored in the area 124 is used to convert into monetary information commensurate with the changed currency unit, and the result is stored in the data memory 12 as new transaction limit information.
The transaction limit information before the currency unit change stored in the area 121 is rewritten with the new transaction limit information.

For example, if the currency unit before the change is the US dollar, the transaction limit information is 1000 dollars, the currency unit after the change is Japanese yen, and the exchange rate from the US dollar to the Japanese yen is r150J, the new transaction limit information is is [1000X150-150
000 (yen)].

Next, the case where the IC card 21 is used alone in offline mode will be described. The processing procedure in this case is almost the same as in the online mode described above.

That is, first, the card user selects the currency unit change function using the keyboard 5. Then, the control element 11
reads one currency unit information from the area 123 of the data memory 12 and displays it on the liquid crystal display section 4.

Here, each time the card user presses a specific function key on the keyboard 5, such as the NEXT key 8, the control element 11 retrieves the next currency unit information from the area 123 of the data memory 12. are read out sequentially,
It is displayed on the liquid crystal display section 4. The display method in this case is the same as in the online mode described above.

When the desired currency unit information is displayed, when the card user presses a specific function key on the keyboard 5, for example, the YES key 9, the control element 11 controls the displayed currency unit. Select information and perform currency unit change processing based on the currency unit information. As a result, the currency unit corresponding to the selected currency unit information becomes the currency unit to be used.

When the currency unit change processing is completed in this way, the control element 1
1 converts the transaction limit information stored in the area 12+ of the data memory 12 into monetary information commensurate with the changed currency unit using the currency conversion rate value stored in the area 124 of the data memory 12. Then, using the result as new transaction limit information, the transaction limit information stored in area 12 of data memory 12 before the currency unit change is rewritten to the new transaction limit information.

Next, the process of changing the currency conversion rate value will be explained with reference to the flowchart shown in FIG.

In this case as well, the process can be performed in either online mode or offline mode, but the following description will take the offline mode as an example.

First, the card user selects the function of changing the currency conversion rate value using the keyboard 5. Then, the control element 11
displays the currency unit information sequentially in the same way as in the currency unit change process described above.

Then, when the currency unit information corresponding to the pre-change currency unit regarding the currency conversion rate value to be changed is displayed, when the card user presses the yes key 9 in the keyboard 5, the control element 11 changes the pre-change currency unit. recognize. Subsequently, the card user changes the displayed content by pressing the next key 8, and when the currency unit information corresponding to the changed currency unit regarding the currency conversion rate value to be changed is displayed, by pressing the yes key 9. , the control element 11 recognizes the changed currency unit. In this way,
First, the currency unit for the currency conversion rate value to be changed is specified.

After specifying the currency unit in this way, the card user then...
A new currency conversion rate value is input using the keyboard 5, followed by an encryption code provided by the card issuer or the like. Then, the control element 11 checks the input cryptographic code to determine whether or not the cryptographic code is correct, and only when determining that the cryptographic code is correct, performs the process of changing the currency conversion rate value. That is, the currency conversion rate value corresponding to the designated currency unit stored in the area 124 of the data memory 12 is rewritten with the input new currency conversion rate value.

Note that the process of registering a new currency conversion rate value can also be performed using substantially the same procedure as the process of changing the currency conversion rate value described above.

By providing the IC card with a function to change the currency unit, the card user can directly change the currency unit as needed using the IC card terminal device or the keyboard installed on the IC card. It is made to be changeable. Therefore, shopping transactions using multiple types of currency units are possible with one IC card.

In addition, in conjunction with the change in the currency unit mentioned above, by providing a function to convert monetary information such as transaction limits in the data memory using the currency conversion rate value stored in advance in the data memory, the data memory Monetary information such as transaction limits within the system can also be converted into monetary information appropriate to the changed currency unit when the currency unit is changed.

Furthermore, monetary information such as the above transaction limit is converted into a new one using a currency conversion rate value whose value is guaranteed by checking cryptographic codes, etc., so there is no risk of it being converted into a fraudulent or incorrect value. .

Therefore, it can be expected that the added value of the IC card will be significantly increased and that the application of the IC card will be greatly expanded.

[Effects of the Invention] As detailed above, according to the present invention, the user of this device can directly change the currency unit used internally as necessary, and therefore, one device can handle multiple types of currency. To provide a portable electronic device that enables transactions in currency units and also converts monetary information such as a transaction limit into monetary information suitable for the changed currency unit when the currency unit is changed.

[Brief explanation of the drawing]

The figures are for explaining one embodiment of the present invention.
The figure is a flowchart explaining the process of changing the currency conversion rate value, Figure 3 is a flowchart explaining normal transaction processing, Figure 4 is a schematic configuration diagram of the data memory, and Figure 5 is a schematic diagram of the IC card configuration. , FIG. 6 is a block diagram showing the circuit configuration of the IC card, and FIG. 7 is a block diagram showing the configuration of a terminal device that handles the IC card. 2...Integrated circuit, 3...Contact section, 4...Liquid crystal display section, 5...Keyboard (input means, currency unit selection means), 11・・・・・・
Control element (control unit, transaction means, currency unit changing means, monetary information converting means), 12...Data memory (memory section), 13.1. ...Program memory, 12.・・・
...area for storing transaction limit information (monetary information),
123...A region for storing a plurality of types of currency unit information (currency unit storage means), 124...A region for storing currency conversion rate values (currency conversion rate storage means). Applicant's agent Patent attorney Takehiko Suzue, J Figure 3 Figure 54 Figure 5

Claims (2)

[Claims] (1) A memory section that stores at least monetary information, an input means that inputs monetary information, etc., and executes transaction processing based on the monetary information input by this input means and the monetary information stored in the memory section. a transaction means; a currency unit storage means for storing a plurality of types of currency unit information; and using the input means to select one piece of currency unit information from among the currency unit information stored in the currency unit storage means. Currency unit selection means; Currency unit changing means for changing the currency unit of monetary information subject to transaction processing in the transaction means based on the currency unit information selected by the currency unit selection means. A portable electronic device. (2) a memory section for storing at least monetary information; an input means for inputting monetary information; and executing transaction processing based on the monetary information inputted by the input means and the monetary information stored in the memory section. a transaction means; a currency unit storage means for storing a plurality of types of currency unit information; and using the input means to select one piece of currency unit information from among the currency unit information stored in the currency unit storage means. a currency unit selection means; a currency unit change means for changing the currency unit of monetary information subject to transaction processing in the transaction means based on the currency unit information selected by the currency unit selection means; a currency conversion rate storage means for storing; and a currency conversion rate value stored in the currency conversion rate storage means to change the monetary information stored in the memory section when changing the currency unit by the currency unit change means; A portable electronic device characterized by comprising: monetary information conversion means for converting monetary information into monetary information commensurate with a changed currency unit.