JPH0448270B2 - - Google Patents

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to an electronic passbook that uses an IC card in a financial institution, and if PIN information is repeatedly input into a passbook transaction device by mistake more than a specified number of times, the transaction can be canceled. An electronic passbook transaction system that has a security function that simultaneously invalidates the IC card's operation function and notifies the invalidity of its use, making it possible to reuse it only when connected to an electronic passbook reissuing device, etc. Regarding.

[Conventional technology]

Paper passbooks currently used by banks, etc. are 4 to 8
It is possible to store kilobytes of data, that is, print it out, and by viewing this printout, you can directly know the transaction history.

However, due to constraints from the machines used for passbook transactions, there are limits to the paper quality and number of inner sheets of paper passbooks.
At present, demands from financial institutions such as lower prices and an increase in the number of sheets of paper are not being adequately addressed. In other words, a lack of inner paper sheets means a lack of data storage capacity, and especially in the case of a general account passbook that combines multiple transaction items into one passbook, there is also a lack of data storage capacity per item. This has become noticeable, and this is manifested in an increase in the amount of new paper passbooks issued, hindering the reduction of total costs.

On the other hand, electronics and mechanization have been progressing in financial institutions in recent years, and various mechanized systems are being considered, so much so that the future is called electronic banking.Among these, electronic bankbooks using IC cards have begun to be considered. There is. In other words, by using an electronic passbook that uses an IC card, we aim to reduce the total cost, which is the drawback of the paper passbook mentioned above, and also make it possible to use it in a variety of ways without sacrificing the functionality of the paper passbook. It is something to do.

Here, since the IC card can be equipped with a CPU, read/write memory, display section, operation switch, and battery, the IC card can fully function as a passbook. In other words, the data can be stored in the read/write memory of the IC card for each transaction by the electronic passbook transaction device, and the transaction data can be read from the memory and displayed on the display section by operating the operation switch provided on the IC card. You can directly read the contents of transaction data. Additionally, due to dramatic improvements in semiconductor technology in recent years, read/write memory has increased to 250 kilobits.
CMOS RAM has become a reality, and with it
Similarly, it has become possible to implement large-capacity memory in IC cards. Therefore, the amount of transaction data stored on an IC card is much larger than the amount recorded on a paper passbook, so a single IC card can store transaction data equivalent to several passbooks.

By the way, along with conventional paper passbooks, magnetic cards have been widely used as credit cards for identifying customers.
This magnetic card has a preset PIN number recorded on the magnetic stripe as magnetic information, and this magnetic card is inserted into the card receiving device of the cash teller machine and the PIN number is read by the magnetic card reader. After checking the password manually entered by the user and confirming that they match, the cash machine's payment device is activated to dispense cash. However, using such magnetic cards for cash transactions has the following drawbacks.

That is, if a magnetic card is brought close to a magnetic field, transaction data such as a personal identification number recorded on the magnetic stripe will be destroyed, so it is necessary to pay sufficient attention to the magnetic atmosphere and handle the card with care. In addition, since there is a capacity limit to recording on magnetic stripes, even if it is possible to record, for example, savings balances, it is only possible to record a portion of the information, and the recorded contents cannot be visually confirmed, so a separate recording and reproducing device is required. There are issues that require it.

Furthermore, conventionally, when a customer of a financial institution such as a bank receives cash payment and records transaction data, the customer brings both a magnetic card, which is the customer's credit card, and a paper passbook, which is a record of transaction history. However, there is a problem that it is difficult to handle.

Therefore, in order to solve this problem, we have integrated the function of a magnetic card as a customer's credit card with the function of recording transaction data, thereby improving convenience for customers, saving labor for financial institutions, and increasing data processing. IC cards with countermeasures have been proposed, for example, the IC card described in Japanese Patent Application Laid-Open No. 58-94132.

According to this proposed IC card, a comprehensive account will be established that handles a large amount of transaction data such as time deposits, savings deposits, and various affiliated credit cards in one account.
A single IC card can have a passbook function that records transaction records such as general accounts. That is, the transaction history can be stored in the IC card. To visually check these contents, by operating the operation switch provided on the IC card, any transaction data is displayed on the display included in the IC card, and the stored contents can be easily checked visually.

Incidentally, such an IC card stores a PIN code, and the PIN code plays the key functional role that conventional magnetic cards had, as a credit code for transactions between banks and customers. In other words,
Insert the IC card into a machine such as an automatic teller machine,
A unique PIN code previously given to the owner of the IC card is entered into an automatic teller machine or the like using a keyboard. Then, the machine checks the correspondence between the entered pin code and the data from the IC card, and operates the service device only when the correspondence is as predetermined.

As detailed above, the pin code for an IC card has an important key function for verifying the cardholder's identity during transactions. Secret numbers are often used, and are widely used and established not only in banks but also in stores, vending machines, and even identification cards.

[Problem that the invention seeks to solve]

However, such IC cards that use a PIN code such as a four-digit secret number may have been set by the owner due to a misunderstanding, or someone other than the legal owner may have stolen the card, for example, by illegally acquiring the card. It is unclear whether the wrong PIN code was set by the user, and the problem here is that if the person who illegally obtained the IC card repeatedly sets the PIN code, At some point, a predetermined pin code will be reached, and the key will be unlocked and used fraudulently.

The present invention was made to solve the above-mentioned problem, and its purpose is to prevent unauthorized use of IC cards by aborting the transaction if the password is incorrectly entered more than a predetermined number of times. In addition to protecting the interests of legitimate owners by preventing such IC cards from being invalid,
The purpose is to enable these IC cards to be used again by performing specific processing.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention provides means for canceling a transaction when PIN information is incorrectly entered into a passbook transaction device more than a predetermined number of times, means for transmitting an invalidation command to an electronic passbook, and a method for implementing specific processing. and means for transmitting the reissue command to the electronic passbook,
Furthermore, a rewritable storage means for storing an invalid/valid identification code in the electronic passbook, a means for rewriting the information in the storage means to invalid when an invalidation command is received, and a means for rewriting the information in the storage means to invalidate the electronic passbook. means for displaying invalidation on the display every time the operation switch is pressed thereafter; storage means for continuously storing the memorized transaction details even after receiving the invalidation command; and storage means for receiving the reissue command. and a means for rewriting the information in the storage means for storing the invalid/valid identification code to valid.

[Effect]

The present invention having the above-mentioned characteristics prevents fraudulent transactions by stopping the transaction when the electronic passbook is connected to a passbook transaction device and erroneously inputs password information more than a specified number of times. Each time you press the button, the display of the electronic passbook will indicate that it is invalid, prompting you to undergo a specific process to restore it to a usable state, and the transaction details data will continue to be stored, making it easier to use the passbook. When it is restored to a valid state, it can function as an electronic passbook as before without having to re-memorize transaction detail data.

〔Example〕

Hereinafter, one embodiment of the present invention will be described based on FIGS. 1 to 8.

FIG. 1 shows an embodiment of the electronic passbook transaction system according to the present invention, and particularly shows the internal structure of the electronic passbook as a block diagram. In FIG. 1, 1 is an electronic passbook, which is an IC card embedded in an insulating card base material 2 and made up of the following parts.
3 is a CPU, for example, a 4-bit CMOS CPU chip IC, which controls various operations inside the electronic passbook 1 and the passbook transaction device 5 using a program memory 4.
Controls signal exchange with. 6 is data memory,
A CMOS RAM of 8 to 64 kilobytes is used to store transaction results as an example of the data storage format shown in FIG. Reference numeral 7 denotes a display section, which is composed of a liquid crystal display panel and the like. Reference numeral 8 denotes an interface section, which in this embodiment is connected to the passbook transaction device 5 through a photocoupler to exchange data and various control signals. Reference numeral 9 denotes an operation switch for selectively transacting transaction details of multi-subject accounts such as ordinary deposits and time deposits stored in the data memory 6 and displaying them on the display section 7. A lithium battery 10 is a power source for backing up data stored in the data memory 6. 11 is a solar cell, which is the main power source of the electronic passbook 1.

Then, the electronic passbook 1 is transferred to the electronic passbook transaction device 5.
If the PIN code is incorrectly entered more than the specified number of times, there will be a means to cancel the transaction, a means to transmit an invalidation command to the electronic passbook 1, and a reissue command to be transmitted to the electronic passbook 1 through specific processing. The electronic passbook transaction device 5 further includes means for rewritably storing a valid/invalid identification code, and a means for rewriting the stored valid/invalid identification code to invalid when an invalidation command is received. A means for invalidating the electronic passbook 1, a means for displaying that the electronic passbook 1 is invalid each time the operation switch 9 is pressed, and a means for continuously storing the stored transaction details as they are. and upon receiving a reissue command issued by a specific process on the side of the electronic passbook transaction device 5, rewriting the stored valid/invalid identification code to valid;
The electronic passbook 1 is provided with a means for making it possible to trade again.

The CPU 3, program memory 4, and data memory 6 may be integrated into one integrated circuit, and the five means described above may be provided in the integrated circuit. Furthermore, when a new transaction occurs, for example, when a new general account is created, the electronic passbook 1 is connected to the electronic passbook transaction device 5 through its interface section 8 to conduct the transaction. At the time of this transaction, the personal identification number, customer attribute data, etc. are simultaneously written in the data memory 6 of the electronic passbook 1 along with the new transaction, and after the transaction is completed, the electronic passbook 1 is handed over to the customer. Thereafter, every time a transaction occurs, the unrecorded data stored in the center film will also be written into the data memory 6 of the electronic passbook 1 at the same time.

FIG. 2 is a plan view showing an embodiment of the electronic passbook 1 used in the electronic passbook transaction system according to the present invention. In FIG. 2, the operation switches 9 include a normal key 9a, a regular key 9b, and a regular key 9b in this embodiment.
It is divided into a key 9c and a key 9b, and when the normal key 9a is pressed, the latest transaction details of the savings account are displayed in the passbook format as shown in the display section 7 of FIG. 2, for example. Here, if you want to go back and look at previous transactions, press the – key 9c to go back one by one and display the transaction details on the display 7.
can be displayed. Further, when the fixed term key 9b is pressed, the latest transaction details of the fixed deposit can be displayed on the display section 7 in accordance with the passbook format. Here, 〓 key 9c and 〓 key 9d
The functions can be handled in the same way as described above, and the details of time deposit transactions can also be viewed retroactively.

In this embodiment, there are two types of subject selection keys, the normal key 9a and the periodic key 9b, but the number is not limited to these. Furthermore, although the << key 9c and << key 9d> described above are used as the scroll keys, the present invention is not limited thereto. Furthermore, in this embodiment, the display section 7 is configured to be able to display text of, for example, 32 characters x 2 lines, and the solar cell 11 is
For example, it is assumed that even the light of a fluorescent lamp can supply enough power to perform the functions of the electronic passbook 1.
The interface unit 8 was connected to the electronic passbook transaction device 5 by a photocoupler, but
Contacts for electrical connection may also be used.

FIG. 3 is a diagram showing an example of the data storage format of the data memory 6. In FIG. 3, data for determining whether the electronic passbook 1 is valid or invalid, that is, an identification code, is stored at the top address of the data memory 6, and "1" is stored in the normal state.
In this state, it is possible to connect to the passbook transaction device 5 and display transaction details by operating the operation switch 9 provided in the electronic passbook 1.

Here, when "0" is written to the first address of the data memory 6, the electronic passbook 1 becomes invalid, and the operation switch 9 equipped on the electronic passbook 1 is disabled.
Every time you press , the message "I can't get it right" will be displayed on the display section 7 of the electronic passbook 1 for about 1 second, and when it is connected to the passbook transaction device 5, the "reissue command" will be displayed. All requests other than receipt return an abnormal response. However, the stored transaction details data will be retained as is.

FIG. 4 is a flowchart showing the transaction execution processing procedure using the electronic passbook 1 described above. First, when the electronic passbook 1 is connected to the passbook transaction device 5 via the interface section 8, the passbook transaction device 5 connects the electronic passbook 1 to the passbook transaction device 5.
The password stored in the data memory 6 is read. At this time, the validity code of electronic passbook 1 is “1”
Otherwise, the electronic passbook 1 will not transfer the PIN number.

Next, the passbook transaction device 5 prompts the customer to input a password, and determines whether the input password matches the password read from the electronic bankbook 1. If they match, the transaction processing continues; if they do not match, the customer is prompted to enter their PIN again. At this time, the number of password input retries is counted, and if the password is input more than a predetermined number of times, an "invalidation" command is issued to the electronic bankbook 1, and the transaction is canceled.

FIG. 5 is a flowchart showing the procedure for invalidating the electronic passbook 1. That is, when the electronic passbook 1 receives the "invalidate" command as described above, the validity code in the data memory 6 is erased. In other words, write “0” to the first address of data memory 6,
Electronic passbook 1 is defined as an invalid passbook.

FIG. 6 is a flowchart showing the processing procedure for displaying the electronic bankbook 1 as invalid by operating the operation switch 9. That is, when the operation switch 9 is pressed, the validity code is first determined, and if it is "1" and valid, the transaction details are displayed according to the specified operation switch 9, and the validity code is is “0” and invalid, display section 7 of electronic passbook 1
For example, for about 1 second, the message ``I can't wait to see you again'' is displayed.

FIG. 7 is a flowchart showing the reissuance processing procedure for the electronic passbook 1 on the passbook transaction device 5 side or the electronic passbook reissue device side, and FIG. 8 is a flowchart showing the reissuance processing procedure for the electronic passbook 1
5 is a flowchart showing the reissue processing procedure on the side. Normally, if the PIN number does not match more than the specified number of times, it seems that the illegal finder has manipulated it, but in rare cases, a similar problem may occur because the legal owner has forgotten the PIN number. In this case, it is necessary to take measures to restore the electronic passbook 1 that has become invalid to a state where it can be used again. The restoration process will be explained below based on the flowcharts of FIGS. 7 and 8.

If the electronic passbook 1 that has become invalid as described above can be confirmed by explaining the circumstances to an employee of the financial institution and confirming that the holder is the person in question, then the bank employee can transfer the electronic passbook 1 to the passbook transaction device 5.
A reissue command is issued to the electronic passbook 1 by a specific operation or by connection of an electronic passbook issuing device. Note that if the holder of the electronic passbook 1 is the one who illegally found the electronic passbook 1, a bank employee will confiscate the electronic passbook 1.

On the other hand, when electronic passbook 1 receives the reissue command,
If the inside of the electronic passbook 1 is normal, write “1” to the first address of the data memory 6 and save the electronic passbook 1.
Enable and forward normal responses. Also,
When the inside of the electronic passbook 1 is not normal, an abnormality response is transferred and notified to a bank employee via an electronic passbook reissue device or the like. Note that when the electronic passbook 1 is in an invalid state, it returns an abnormality response to all commands other than the reissue command, making transactions impossible. In addition, as mentioned above, electronic passbook 1
Since the invalid state of the electronic passbook 1 is determined based only on the start address/data of the data memory 6, the electronic passbook 1 can be reused without destroying the transaction detail data. Therefore, even if you forget your PIN and your electronic passbook 1 becomes invalid despite being the legal owner of it, you can still reissue the transaction details without losing the transaction details you had previously memorized. If so, you can use it again as before.

〔Effect of the invention〕

As described above, according to the electronic passbook transaction system according to the present invention, if you connect to a passbook transaction device and input your password incorrectly more than the specified number of times, the stored transaction details will continue to be stored, By aborting the transaction and displaying on the display that the transaction is invalid each time the operation switch is pressed, it is possible to prevent transactions by someone who has illegally found the electronic passbook.
This has the effect of informing the legitimate owner that it is no longer usable and that procedures should be taken to have it reissued.

Furthermore, according to the present invention, the electronic passbook is invalidated while the stored transaction details continue to be stored, and the valid transaction details stored in the electronic passbook are invalidated.
By rewriting the invalidation identification code, previously stored transaction detail data can be reused without being lost, so even if the legal owner forgets the PIN code and the electronic passbook becomes invalid, it is still possible to perform certain operations. It has the effect of allowing you to use it again as before just by applying it.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of an electronic passbook connected to a passbook transaction device showing an embodiment of the electronic passbook transaction system according to the present invention, and Fig. 2 is an embodiment of the electronic passbook used in the electronic passbook transaction system according to the present invention. FIG. 3 is a diagram showing an example of the data storage format of the data memory, FIG. 4 is a flowchart showing the process of inputting a password into the data memory, and FIG. 5 is a flowchart for invalidating an electronic passbook. , FIG. 6 is a flowchart showing the procedure for invalidating an electronic passbook by operating the operation switch, and FIG. 7 is a flowchart showing the procedure for reissuing an electronic passbook on the passbook transaction device side or the electronic passbook reissuing device side. , FIG. 8 is a flowchart showing the reissue processing procedure on the electronic passbook side. 1...Electronic passbook, 2...Card base material, 3...
CPU, 4...Program memory, 5...Passbook transaction device, 6...Data memory, 7...Display section, 8
...Interface section, 9...Operation switch,
9a... Normal key, 9b... Regular key, 9c...
〓Key, 9d...〓Key, 10...Lithium battery, 11...Solar battery.

Claims (1)

[Claims] 1. IC chips such as a CPU and data memory are built into the insulating card base material, and a display section, operation switches,
In a transaction system using an electronic passbook having a power supply means and an interface section, a means for canceling the transaction when PIN information is incorrectly inputted to the passbook transaction device more than a specified number of times, and a means for transmitting an invalidation command to the electronic passbook. , means for transmitting a reissue command to the electronic passbook through a specific process, further comprising a rewritable storage means for storing an invalid/valid identification code in the electronic passbook, and a rewritable storage means for storing the invalidation/validity identification code in the electronic passbook; means for rewriting the information to be invalid; means for displaying on a display section that the information in the storage means is invalid each time the operation switch is pressed after the information has been rewritten to invalid; and a command to invalidate the stored transaction details; An electronic device characterized by being provided with a storage means that continues to store the information as it is even after receiving it, and a means that rewrites the information in the storage means that stores the invalid/valid identification code to valid when a reissue command is received. Passbook transaction system.