JPH063615B2 - IC card processing system - Google Patents

Description

TECHNICAL FIELD OF THE INVENTION The present invention relates to an IC card processing system, and more particularly to an IC card having a storage area for storing transaction data with financial institutions such as banks and credit companies, and such an IC.
The present invention relates to an IC card processing system including a card and a terminal device that communicates with the card.

2. Description of the Related Art Currently, magnetic cards such as so-called cash cards and credit cards are widely used for transactions such as withdrawals, deposits, and transfers by online systems with financial institutions such as banks and credit companies. . Transaction data such as encryption is magnetically stored in these magnetic cards. At the time of transaction, the owners of these cards have so-called ATM (Autom) installed in their own bank.
atic Teller Machine) and CD (Cash Dispense)
Insert your own card into the transaction terminal device such as r) and enter the PIN, transaction type, transaction amount, etc. into the terminal device. The card information read by the terminal device and the transaction information entered by the card holder into the terminal device are transmitted to the center of each bank, the center file is updated according to these information, and the instruction to execute the transaction is issued to the terminal. Given to the device. As a result, various transactions are executed between the card holder and the terminal device.

Further, in the current online system, mutual access between the banks has been realized, and it is also possible to withdraw money from the account of the own bank using a terminal device of a bank other than the own bank. For example, when the card of Bank A, which is its own bank, is used in the terminal device of Bank B, which is not its own bank, the transaction data read from the card of Bank A is transmitted to the center of Bank B, and Data is transferred from the center of Bank B to the center of Bank A. Then, the center of Bank A is searched for the presence of an account, and the file is updated according to the transaction information. Further, the instruction to execute the transaction is transmitted to the terminal device of Bank B, and the desired transaction is realized between the card holder and the terminal device of Bank B.

By the way, in today's social life, the opportunities to use cards such as cash cards and credit cards are increasing, and one person already owns several types of cards, and the person himself selects and uses the necessary one. It is like this. And this trend is expected to increase in the future. In this way, if each person owns multiple cards, he will make a mistake in selecting the card to use,
The handling and storage of the card will be complicated, and eventually the card may be lost. In order to prevent such a situation, it is desirable that all transaction data of each transaction financial institution can be stored in one card.

However, the magnetic cards used in the past have a certain limit on the storage capacity, and there is a problem that only one financial institution can store information on one card.

SUMMARY OF THE INVENTION Therefore, the main object of the present invention is to be able to store transaction data of its own plurality of transaction financial institutions in one IC card, and also to provide a heading table for designating these financial institutions. To provide an IC card processing system that can be stored in a card, allows a customer to specify a desired financial institution and carry out a transaction by reading and displaying only a header table from the IC card using a terminal device at the time of transaction. Is.

Structure and Effect of the Invention To summarize the present invention, data storage means (ROM, RA
M) and a data processing means (CPU), an IC card is provided with a storage area for storing transaction data of a plurality of transaction financial institutions. At the time of transaction, only the heading tables of these financial institutions are sent to the terminal device. Next, only the transaction data of the financial institution selected in response to the financial institution selection signal from the terminal device is transmitted to the terminal device.

Therefore, according to the present invention, even if it has a plurality of transaction financial institutions, it possesses one IC card in which all the transaction data thereof is stored, and an IC card terminal installed at each bank at the time of transaction. By operating the device and displaying only the heading table of a plurality of transaction financial institutions on the terminal device and selecting the desired financial institution from among them,
A desired transaction can be performed, it is not necessary to carry a plurality of cards as in the conventional case, and the complexity of handling and storing the cards can be eliminated. Further, since detailed transaction data of a financial institution other than the selected financial institution is not read during the transaction, the content of the transaction data will not be known to a third party.

Hereinafter, the present invention will be described in more detail with reference to the embodiments shown in the drawings.

Description of Embodiments FIG. 1 is a block diagram showing an electrical configuration of an IC card which constitutes an IC card processing system according to an embodiment of the present invention.

The IC card is a card having the same size and shape as a conventional magnetic card such as a cash card and a credit card, and at least a memory such as a ROM and a RAM.
Contact points for communicating with CPU and terminal device (usually 8)
And are built in. A conventional magnetic card has a small storage capacity and it is easy to decipher the stored information. IC
Characteristic of the card is that it has a large storage capacity as compared with the conventional magnetic card, and there is no fear that the stored information is decrypted by others by programming so as not to be easily read, and the security is high. It is also possible for the IC card itself to independently issue the request.

In FIG. 1, the input / output port 1 is provided with an input / output line terminal 5, and the input / output port 1 is provided with a data bus 11.
Are connected to the CPU 2, ROM 3, and RAM 4. The input / output port 1, CPU 2, ROM 3, and RAM 4 have a power (5V) terminal 6 and a power (O).
V) Power is supplied from the terminal 7. Further, the input / output port 1 and the CPU 2 are supplied with a clock signal from the clock terminal 8 and a reset signal from the reset terminal 9, and the ROM 3 is supplied with rewriting power from the power supply terminal 10.

Next, FIG. 2 is a diagram showing a file structure of transaction data of its own transaction financial institution stored in the storage area of the ROM 3 of the IC card which is the embodiment shown in FIG. here,
The headline table is composed only of the names of transaction financial institutions such as AB bank and CD bank among the transaction data files of a plurality of financial institutions shown in FIG. The contents of this transaction data can be rewritten by the ROM rewriting power supply from the power supply terminal 10. FIG. 3 is a flow chart for explaining a specific operation of the IC card processing system which is an embodiment of the present invention.

Next, the specific operation of the embodiment of the present invention will be described with reference to FIGS.

First, the customer inserts the IC card storing the transaction data files of a plurality of financial institutions shown in FIG. 2 into the terminal device installed in each financial institution. Then, power is supplied to each element that constitutes the IC card shown in FIG.
The CPU 2 generates a card insertion command based on the program stored in the ROM 3 and transmits it to the terminal device via the input / output port 1. The terminal device determines whether the received command is a card insertion command, and if it is a card insertion command, generates a header table request command and transmits it to the IC card. Next, in the IC card, the CPU 2 determines whether the command received from the terminal device via the input / output port 1 is a header table request command, and if it is a header table request command, RO
The transaction data file stored in M3 is transmitted to the terminal device via the input / output port 1 only the header table,
If it is not a heading table request command, the CPU 2 stops. At this point, no other detailed transaction data such as account number is sent to the terminal. Therefore, each transaction data is kept secret with respect to the terminal device, and even if someone tries to decrypt the contents through the terminal device, it is impossible to read the transaction data.

Next, the terminal device displays the received heading table, that is, the financial institution name on a display means such as a CRT. The customer sees this display, selects the financial institution he / she wants to trade, and operates the terminal device to input the name of the financial institution. In response to this, the terminal device generates a transaction data request command for requesting detailed transaction data such as the account number of the selected financial institution and transmits it to the IC card. IC
In the card, the CPU 2 determines whether the command received from the terminal device via the input / output port 1 is a transaction data request command, and if the command is a transaction data request command, the selected bank stored in the ROM 3 is stored. Detailed transaction data of the above is transmitted to the terminal device through the input / output port 1.

After this, as with normal cash cards,
A customer inputs a personal identification number, a withdrawal or deposit amount into the terminal device, and the terminal device communicates with the center based on the transaction data sent from the IC card, and a transaction such as withdrawal and deposit is realized.

The IC card ends its role by sending transaction data,
According to the program, the power is turned off, and after the transaction is completed, the terminal device returns it to the customer, thereby completing a series of transactions.

As described above, according to this embodiment, an IC card storing transaction data of a plurality of self-transaction financial institutions is used, and only a heading table showing the names of these financial institutions is displayed on the terminal device at the time of transaction. Allows the customer to select the desired financial institution to conduct the transaction. Therefore, the customer only needs to have one IC card, and at the time of transaction, the IC card first sends only the header table, so that detailed transaction data such as the account number can be read by a third party. Can be prevented.

[Brief description of drawings]

FIG. 1 is a schematic block diagram showing an electrical configuration of an IC card which constitutes an IC card processing system according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of a transaction data file stored in the IC card of FIG. FIG. 3 is a flow chart for explaining the operation of the IC card processing system which is an embodiment of the present invention. In the figure, 1 is an input / output port, 2 is a CPU, 3 is an RO
M, 4 are RAMs, 5 are input / output line terminals, 6 and 7 are power supply terminals, 8 is a clock terminal, 9 is a reset terminal, and 10 is R.
OM rewriting power supply terminal, 11 indicates a data bus.

Claims (1)

[Claims] 1. An IC card used for financial transactions and the I
An IC card processing system comprising a C card and a terminal device communicating with the C card, wherein the IC card is a storage area for storing financial transaction data of a plurality of financial institutions, and a heading table for designating the plurality of financial institutions. And a means for sending the heading table to the terminal device in response to a request from the terminal device, wherein the terminal device sends the heading table sent from the IC card to a customer. And a means for a customer to select any one of the plurality of financial institutions based on the displayed heading table, wherein the IC card further includes the plurality of financial institutions. An IC card processing system including means for sending transaction data of a financial institution selected by the selecting means among institutions to the terminal device. .