JPH0827815B2 - Electronic asset data transfer method - Google Patents

Description

Detailed Description of the Invention

[0001]

The present invention relates to finance, distribution and services.
In the field of using multiple portable data carriers
The frequency of electronic monetary data and service usage rights
Transfer data (hereinafter referred to as electronic asset data)
Electronic asset data transfer method (hereinafter referred to as data
Data transfer system).

[0002]

2. Description of the Related Art Conventionally, cash or a check is used as a settlement means in a distribution field such as a wholesaler who deals in cash, which does not use a settlement method such as a credit, a bill, and a credit card.

[0003]

However, in such a distribution field, a relatively large amount of payment (generally hundreds of thousands to millions of yen) is performed, so that it is bulky as cash.
Not only is it annoying that it is difficult to count, but there is also the problem that carrying a large amount of cash carries a great risk of crime.

On the other hand, a check does not have the problem that it is bulky or cumbersome to count, but its creditworthiness and quickness are inferior to cash. In other words, there is a risk of non-delivery, and because it takes time to confirm the contents, it cannot be immediately cashed, and there is a low security that it is not possible to confirm the legitimacy of the bearer like cash, which causes crime It is also a factor. In other words, even if a criminal robbed a check, he could not prevent it from being redeemed, even if he had no immediate money, unless he could report it because the legitimate holder was detained. Was there.

The present invention solves the above-mentioned conventional problems, and provides a data transfer system and a data transfer terminal device that enable easy and secure transfer of electronic funds without carrying cash. The purpose is to simplify the processing on the side of the store by setting the amount of money to be paid for the data unit in advance.

In order to achieve this purpose, the data of the present invention
The relocation system is portable and at least with the terminal device.
And a rewritable first non-volatile storage means.
And an electronic device having a second non-volatile storage means and a computing means.
First and second data carriers carrying asset data,
Mobile terminal device that accepts the data carrier and full transfer
An operating means for receiving the first and second data carriers.
Electronic asset data using a data transfer terminal device
A transfer method, wherein the first data carrier is the mobile terminal
To the end device, and the first nonvolatile of the first data carrier.
Part of the electronic asset data stored in the spontaneous storage means or
All second nonvolatile storage means of the first data carrier
To the first data carrier and then the second data carrier.
The data carrier of the above to the data transfer terminal device,
The above-mentioned first data can be operated by a single operation of the full transfer operation means.
The electronic resources stored in the second non-volatile storage means of the data carrier.
All the production data is transferred to the second via the data transfer terminal device.
To the non-volatile storage means of the data carrier of
It It is also portable and can be connected to at least a terminal device.
Means and rewritable first non-volatile storage means and
It has a non-volatile storage means and a computing means
Data carrier that holds the data and accepts the data carrier
It has a portable terminal device and full transfer operation means.
Data transfer terminal device that accepts a data carrier.
A method for transferring child asset data, wherein the data carrier is
The first volatilization of the data carrier is combined with the mobile terminal device.
Part of the electronic asset data stored in the spontaneous storage means or
Transfer all to the second non-volatile storage means of the data carrier
And then transfer the data carrier to the data transfer terminal device.
Combined, by a single operation of the full transfer operation means,
Stored in a second non-volatile storage means of the data carrier
Transfer all electronic asset data to the data transfer terminal device
Is what you do.

[0007]

With this configuration, the mobile terminal device and the data are
By transferring electronic asset data using a carrier, the asset
You don't have to move anything
With the device, the electronic asset data can be
Data is transferred.

[0008]

1 is a block diagram of a settlement system using a data transfer system according to an embodiment of the present invention. In the figure, 1 is a first data carrier (IC card), C
Individual (or store or company) A who has an account in Bank 2
To C bank 2. Reference numeral 3 is a second data carrier (IC card), which is loaned from the D bank 4 to an individual (or a store or a company) B having an account in the D bank 4. Reference numeral 14 is a mobile terminal device of the individual A.

The mechanism of a payment system using an IC card will be described below with reference to FIG. Individual A uses the first IC card 1 for ATM of Bank C (Automated Teller Machi 2).
ne: automatic teller machine) 5 and by performing a predetermined operation, a certain amount of money from the account of individual A, for example, 2 million
The balance of the yen amount data is held in the first memory (not shown) of the IC card 1. At the same time, it is also transmitted to the host computer 7 connected to the ATM 5 via the communication line 6, and 2 million yen of the balance of the account of the individual A is reserved.

[0010] The individual A brings the first IC card 1 and the portable terminal device 14 to the B store 8 so as to use them for settlement at the B store 8. The B store 8 is, for example, a cash wholesaler.
It is assumed that the individual A makes a settlement of 1.5 million yen at the B store 8.

First, the individual A is the portable terminal device 1 of the individual A.
4 Insert the IC card 1 into the
Tell the card 1 to use 1.5 million yen. Sanawa
The IC card 1 has a first memory and a second memory.
Owned (not shown), command from mobile terminal device 14
The first 2 million yen amount data was suspended due to
This time within the range of 2 million yen from memory (this time
Data of 1.5 million yen) is transferred to the second memory.

Next, the individual A inserts the first IC card 1 into the first insertion port of the settlement terminal 9 installed in the store B, and the B store 8 inserts the second IC into the second insertion port. Insert the card 3. B shop 8 confirms payment terminal 9 (second
1st IC card 1 by pressing
The amount of money held in the second memory of the first IC card 1 can be confirmed by pressing the full amount button (described in FIG. 2) of the settlement terminal 9 All the amount data of 1.5 million yen that I had was the second I
After moving to the IC chip of the C card 3, the second IC card 3 has received 1.5 million yen from the first IC card 1. The result is sent to the host computer 11 of the D bank 4 via the communication line 10.

The B store 8 stores the second IC card 3 in the D bank 4
Bring it to the ATM 12, insert it into the ATM 12 there, and perform a predetermined operation.
500,000 yen will be credited to the account of individual B at bank D 4. The legitimacy of depositing by the second IC card 3 at this stage has already been confirmed in advance from the settlement terminal 9 to the host computer 11
Confirmed by matching the transaction results sent to. Furthermore, among banks, for example, BANKS Net 13
It is communicated via and payment is made.

The procedure described above is troublesome and dangerous.
Two IC cards without handling rugged cash or checks
By using 1 and 3 and the approval terminal 9,
Highly secure fund transfer from Zaza to B Store 8 account
Can be done. Moreover, the funds from the individual A to the B store
To move, press the full-price button 22 on the approval terminal 9 once.
Since it is sufficient, you can realize the transfer of funds with a very simple structure.
It

Here, the communication of the transaction result from the settlement terminal 9 to the host computer 11 via the communication line 10 (which may be a general telephone line) does not necessarily have to be online real-time transfer, but offline batch transfer. Good. That is, on nights, Saturdays, or holidays outside the business hours of the D bank 4, the transaction results may be temporarily stored in the settlement terminal 9 and transferred after the D bank 4 resumes the business. Normally, the host computer 11 resumes operation sooner than the time when the second IC card 3 is used to deposit the account in the B store 8 using the ATM 12, so the transaction result at the settlement terminal 9 is the host computer 11. Have been sent to. Therefore, the transaction result can be verified immediately at the time of deposit processing at the ATM 12. However, when the transaction result is not transmitted to the host computer 11 due to the reason that the settlement terminal 9 is powered off because the B store 8 is on a holiday, at the time of deposit processing at the ATM 12, “temporary deposit” is made. ", And the official deposit is made when the transaction result is sent from the settlement terminal 9 later. Therefore, the settlement terminal 9 may be separated from the bank. This is the same as in the conventional check transaction, even if you hand over the check at the bank counter and enter it in the passbook, you cannot withdraw as cash until the contents of the check are confirmed and the funds are settled between the banks. is there.

Further, in order to guarantee the validity of the amount data to be transferred, the first I card between the C bank 2 and the first IC card 1
Between the C card 1 and the second IC card 3, and the second IC
Money transferred between Card 3 and D Bank 4
An electronic signature may be added to the amount data . This is IC
It can be easily realized by using the arithmetic function of the card. In this case, the host computer 11 can confirm the validity of the deposit only by verifying the signature added to the amount data sent from the second IC card 3.
It is not necessary to receive the transaction result from the B store 8 online (or offline) via the communication line 10.

Further, as a feature of using the IC card, the B store 8 can use the second IC card 3 for another payment, which can improve the distribution of the digitized amount data .

FIG. 2 is an external view of the settlement terminal 9 used in the settlement system of the present invention. The first IC card 1 is in the first insertion slot 14 and the second IC card 3 is in the second insertion slot 1
5, the owner of the first IC card 1 can input the personal identification number from the PIN pad 17. Further, if the owner of the second IC card 3 (B shop in this embodiment) presses the confirmation button 23 of the settlement terminal 9, the amount data held in the second memory of the first IC card 1 is displayed. Display 19
Can be confirmed with, and if the amount button 22 is pressed, the first I
All amount data held in the second memory of the C card 1 is transferred to the second IC card 3. 18 is a PIN pad code. The progress and results of this processing can be confirmed on the display 19. Further, the transaction result is stored in the memory in the main body 20 of the payment terminal 9, and then transferred to the host computer (11 in FIG. 1) of the bank via the telephone code 21.

Here, it is not necessary to insert the second IC card 3 every time payment is made, and the second IC card 3 may be built in the payment terminal machine 9. In this case, the second IC card insertion slot 15 of the payment terminal 9 is unnecessary, while the second IC card 3 has a shape other than the card as long as it has the same function. May be. However, it is necessary to be physically safe so that the data stored inside is not tampered with unfairly. In addition, when the B store 8 deposits, the settlement terminal 9 is brought to the bank, so it is desirable that the size is portable.

FIG. 3 is a block diagram of the payment terminal 9 used in the payment system of the present invention. The first IC card 1 is inserted into the first IC card reader / writer (hereinafter referred to as R / W) 22 via the first insertion slot 14. Second IC
The card 3 is inserted into the second IC card R / W 23 via the second insertion slot 15. The owner of the first IC card 1 operates the keypad 16 in a predetermined procedure while confirming the contents displayed on the display 19, and the PI
When the personal identification number of the first IC card 1 is input through the N pad 17, the CPU 24 sends the password through the system bus 25.
Funds are transferred from the first IC card 1 in the first IC card R / W 22 to the second IC card 3 in the second IC card R / W 23, and the transaction result is stored in the memory 26. It Further, the transaction result stored in the memory 26 is sent to the bank via the modem 27 and the communication line 10. The backup power supply 28 is designed to ensure that normal processing can be completed even in the event of a power failure during processing.
Power is supplied to the U24 and each input / output device. The memory 26 is a memory that stores programs, a memory that stores temporary information during processing,
It can be divided into a memory that stores transaction results, etc. Of these, the memory that stores transaction results can be electrically erased for better safety, but its contents remain even if the power is turned off. EEPROM (El
electrically erasable program
Able Read Only Memory) is used. Further, since the encryption logic is incorporated in the CPU 24 and the data of the memory for storing the transaction result is the encrypted data, it is impossible to falsify the data by the malicious intention. Even inside, safety and security of data are taken into consideration.

Similarly, in the IC card 1 or 3, security is enhanced by incorporating an encryption logic.

In this embodiment, the ATM 5 or 12 is used as the input device for the IC card at the bank.
Any device having a similar function may be used. Although the case where the two banks are connected by the BANKS net 13 has been described, they may be connected by a dedicated line directly connected or another network such as MICS net. One or both banks 2 or 4 may be a post office or another financial institution. It does not have to be between two banks or post offices, but may be within the same bank or post office. Furthermore, instead of the payment terminal 9 being in the B store 8,
It may be in one or both banks or post offices.

[0023]

INDUSTRIAL APPLICABILITY As described above, the present invention determines the amount of assets in advance.
The electronic asset data to be represented is stored in a data carrier, and
By transferring the electronic asset data of
Since it is not necessary to move it to the data transfer terminal device,
You can move assets with high security with simple processing.
It Moreover, in the data transfer terminal device, the full amount transfer operation means
The second non-volatile of the first data carrier by one operation of
From the data storage means to the second data carrier or data transfer terminal device.
It is possible to transfer electronic asset data to
You can move assets with a simple structure.

[Brief description of drawings]

FIG. 1 is a block diagram of a payment system using a data transfer system according to an embodiment of the present invention.

FIG. 2 is an external perspective view of a payment terminal used in the payment system according to the embodiment of the present invention.

FIG. 3 is a block diagram of the payment terminal.

[Explanation of symbols]

 1 1st data carrier 3 2nd data carrier 5 ATM (1st terminal device) 7 1st host computer 9 settlement terminal (data transfer terminal device) 11 2nd host computer 12 ATM (2nd terminal) Device) 14 mobile terminal device

Claims (2)

[Claims] 1. A are portable, electronic funds and a and the coupling means and the first non-volatile memory means can be rewritten and second non-volatile storage means at least the terminal device calculating means
A first and second data carrier that holds the industrial data, a mobile terminal device that receives the data carrier, and a full transfer operation.
Electronic asset data transfer using a data transfer terminal device having a production means for receiving the first and second data carriers.
A method of converting the first data carrier to the mobile terminal device, wherein part or all of the electronic asset data stored in the first non-volatile storage means of the first data carrier is stored in the first data carrier. transferred to a second non-volatile memory means of the one data carrier, so then coupled to the first data carrier and said second data carrier to the data transfer terminal device, the
All the electronic asset data stored in the second non-volatile storage means of the first data carrier by one operation of the total amount transfer operation means is transferred to the second data via the data transfer terminal device. Electronic asset data transfer method for transferring to a nonvolatile storage means of a carrier. Wherein a portable, electronic funds and a a first nonvolatile storage means and second non-volatile memory means capable of rewriting the coupling means and at least terminal device calculating means
A data carrier that holds industrial data, a mobile terminal device that receives the data carrier, and a data transfer terminal device that has a full amount transfer operation means and receives the data carrier are used.
A method of transferring electronic asset data, wherein the data carrier is coupled to the mobile terminal device, and a part or all of the electronic asset data stored in the first non-volatile storage means of the data carrier is stored in the data carrier. Transfer to the second non-volatile storage means, then couple the data carrier to the data transfer terminal device, by a single operation of the full transfer operation means.
Ri, electronic asset data transfer method for transferring all of the electronic asset data stored in the second non-volatile memory means of the data carrier to the data transfer terminal device.