JPH09204484A - IC card automatic transaction terminal device and IC card used for the same - Google Patents

Abstract

(57) [Summary] [Problem] To provide a customer with a premium service by providing a plurality of areas in an IC card and storing point information and service content information together with electronic money information. SOLUTION: An IC for conducting a commercial transaction by updating the amount information stored in an IC card 1 with a transaction amount.
In the card automatic transaction terminal device, the input means 10 and the IC for storing the first balance amount 3 and the second balance amount 4
An IC card read / write means 9 for reading and writing information in the card 1 and one or both of the first balance amount 3 and the second balance amount 4 are read from the IC card 1 and specified by an instruction from the input means 10. And a control means for updating the specified balance amount in the IC card 1 by reducing the transaction amount input from the input means from one or both of the first balance amount and the second balance amount. IC card automatic transaction terminal device.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic wallet application system in which various service information as well as electronic money information is stored in an IC card when conducting a commercial transaction using the electronic wallet system.

[0002]

2. Description of the Related Art Currently, home appliance mass retailers, CD retailers, gas stations, etc., provide various premium services corresponding to the amount of shopping for a specific customer who has a contract with the store. In particular, in many cases, a store issues point information according to the amount of shopping, and provides customers with cash vouchers or products corresponding to the point information. In this case, it is general to store the point information in a magnetic card.

On the other hand, as described in Japanese Unexamined Patent Publication No. 3-92966, an electronic wallet system using an IC card is under study for completely cashless commercial transactions. This is a system capable of completing a commercial transaction without using cash by writing arbitrarily designated amount of money information in the memory of the IC card and transmitting necessary amount of money information from the IC card at the time of settlement.

[0004]

When a commercial transaction is realized by this electronic wallet system, the customer can carry out daily shopping only by holding one IC card. Also in this case, it is expected that the store will provide various premium services to customers, but if a magnetic card is used as a medium for storing the point information as in the conventional case, the IC will be used at the time of payment.
Two cards, a card and a magnetic card, are required.

[0005]

In order to achieve the above object, according to the present invention, an IC card storing electronic money information and point information, and reading the information of the IC card,
An IC card read / write means for writing, and an IC card control means for controlling loading / unloading of the IC card,
The automatic transaction terminal device comprises an input means for inputting transaction amount information and a sales amount information storage means for storing electronic money information corresponding to the transaction amount information.

At the time of commercial transaction, the IC card reading / writing means reduces the electronic money corresponding to the transaction amount information from the IC card and stores it in the sales amount information storage means. At the time of commercial transaction, point information corresponding to the transaction amount information is stored in the IC card by the IC card reading / writing means.

According to the present invention, when a store provides various premium services in a commercial transaction using an electronic wallet system, the point information is stored together with the amount information in the IC card, so that the payment of the amount and the points can be performed with only one IC card. Information can be managed. Where IC
The point information stored in the card is issued by the store according to the amount of shopping, but the store side can return the cash voucher or the product corresponding to the point information to the customer as a premium service.

Further, in the above system, the money amount information and the point information are separately stored in a plurality of areas in the IC card, but it is also possible to separately store the money amount information in a plurality of areas. In this case, for example, the amount information of one area is used for the low amount payment, and the amount information of the other area is used for the high amount payment. The area for low-price payment is always payable, and the area for high-price payment is always locked with a personal identification number. As a result, you can freely make small daily payments, but you only need to enter the PIN code when making large payments, so you can use the same IC card for both normal usability and security when the IC card is lost. Can be met.

[0009]

BRIEF DESCRIPTION OF THE DRAWINGS FIG.
This will be described with reference to FIG.

FIG. 1 shows an example of a block diagram of an electronic wallet system according to the present invention. This is a system in which point information issued by a store according to the amount of shopping is stored in an IC card together with amount information, and it becomes possible to provide a premium service corresponding to the point information to a specific customer who is familiar with the store. . In the present embodiment, a system in which a customer can shop for an amount of money corresponding to the point information will be described as an example.

1 is an IC card, 2 is an ID number storage unit for storing personal passwords, 3 is an amount information storage unit for storing the balance of electronic money, and 4 is point information storage for storing point information issued by a store. Section, 5 is an arithmetic processing section, 6 is a connection section, 7 is a POS terminal main body, 8 is a card control section, 9 is a card reading / writing section, 10 is an input section, 11 is a display section, 12
Is an arithmetic processing unit, 13 is a sales amount storage unit, 14 is a line control unit, and 23 is a store number storage unit.

Here, FIG. 2 shows an example of the point information storage unit 4. In this case, in order to enable a plurality of stores to simultaneously perform a premium service based on point information with one IC card, a store number is assigned in advance for each store and the date of shopping for each store number, The point information corresponding to the amount of shopping and the total point information are stored. Here, when shopping is performed based on the point information, the point information used is subtracted from the point information storage unit 4.

In order to store the point information, the customer needs to make a contract with the store in advance, and at that time, the store number is registered in the IC card. Further, in the case of a chain store such as a convenience store, by using the same store number in each store, points can be added to the same store number and a premium service can be provided in the entire chain store.

Each information of the ID number storage unit 2, the amount information storage unit 3, and the point information storage unit 4 is processed by the arithmetic processing unit 5, and the P outside the IC card is processed via the connection unit 6.
Exchanges information with OS terminals.

At the POS terminal 7, the amount of money for the product is input by the input unit 10.
Is input to the terminal, and the input amount and the like are displayed on the display unit 11. Also, through the card reading / writing unit 9, POS
The electronic money information sent to the terminal is the sales amount storage unit 13
In addition to being stored in the bank and accessed to the bank via the line control unit 14, the daily sales amount can be transferred to the bank via the telephone line.

Next, referring to FIG. 3, description will be made on the settlement of the amount of money and the processing of point information at the time of shopping. At the time of payment at the store, the customer inserts the IC card into the POS terminal (S1
02) ,, when the clerk totals the amount of shopping (S10
3) The total amount is displayed on the display unit 11 (S10).
4). After that, all the store numbers in the point information storage unit 4 in the IC card are read (S105), and it is calculated whether or not the store number stored in the store number storage unit 23 in the POS is registered in the IC card. The processing unit 5 makes a judgment (S
106).

First, the case where the store number is registered will be described. In this case, since the customer who shopped is a specific customer for the store, it is possible to receive the premium service corresponding to the point information in the IC card. I
When the point information in the C card is read by the card reading / writing unit of the POS terminal (S107), the customer uses the point information to determine whether to shop (S108).

When paying with point information, the amount paid with point information is deducted from the total amount of shopping (S109). Here, when paying the full amount of the shopping amount with the point information, since the electronic money is not settled, the used point information is subtracted and only the point information storage unit of the IC card is updated (S114).

On the other hand, when paying the shopping amount with the point information and the electronic money, the balance of the electronic money stored in the amount information storage unit 3 is read (S111).
Then, the arithmetic processing unit 5 determines whether or not the balance of the shopping amount after paying by the point information can be paid by electronic money (S112). When the payment is possible, the remaining payment by electronic money is removed from the IC card, and the amount information storage unit 3 is updated (S113).
At the same time, the point information storage unit 4 is updated (S11).
4). If payment by electronic money is impossible, the IC card is ejected from the POS terminal after the display section 11 indicates that the balance of the IC card is insufficient (S115) (S117). Transaction is canceled (S
118).

If the point information is not paid, the total amount of the shopping amount is paid by electronic money. In this case, the electronic money balance of the IC card is first read in the same manner as above (S119). After that, if the electronic money balance is insufficient, the transaction will be canceled,
If payment is possible, the shopping amount is removed from the IC card and the amount information storage unit 3 is updated (S12).
1).

As described above, when the store number is registered in the IC card, the shopping amount is paid using the point information and the electronic money in the IC card, and after the payment is completed, the sales amount storage unit of the POS terminal 13 is updated (S116) and the IC card is ejected (S11).
7) The process ends (S118).

Next, the case where the store number is not registered will be described. In this case, the purchase amount is paid only by electronic money. First, the balance of electronic money stored in the amount information storage unit 3 is read (S11).
9). Then, the arithmetic processing unit 5 determines whether or not the shopping amount can be paid by electronic money (S120). When payment is possible, after the electronic money for the shopping amount is removed from the IC card and the amount information storage unit 3 is updated (S121), the IC card is ejected (S117) and the process ends (S118).

On the other hand, when payment by electronic money is impossible, it is indicated that the balance of the IC card is insufficient.
1 (S115), the IC card is ejected from the POS terminal (S117), so the transaction is canceled (S118).

The system for storing the point information corresponding to the shopping amount in the IC card has been described above. With this system, it is possible to provide a premium service to a specific customer who is familiar with the store according to the amount of shopping.
By storing the point information in the same IC card as the electronic money, a single IC card can be used. Although the point information is stored only in the IC card 1 in this system, the point information may be stored in both the POS terminal 7 and the IC card 1.

Here, the writing of the point information to the IC card will be further described. In the above-described embodiment, the premium service allows shopping for an amount of money corresponding to the point information, but if the point information is tampered with, the shopping can be illegally performed. Therefore, the POS terminal is provided with a store number storage unit 23 for registering the store number,
When writing to the point information storage unit 4 of the card, the arithmetic processing unit 5 controls so that the point information can be written only to the terminal having the same store number. As a result, it is possible to prevent fraud because the point information cannot be updated at any place other than that store.

Next, FIG. 12 shows another example of a block diagram of the electronic wallet system according to the present invention. Reference numeral 24 is a customer information storage unit. In the case of the embodiment shown in FIG. 1, all the customers who own the IC card in which the store number is registered receive the same premium service, but as shown in FIG. 12, the POS terminal side also stores the customer information. By doing so, it becomes possible to change the content of the premium service for each customer. Therefore, it is normal for 2 days after registration at the store for a certain period of time.
Special services such as adding double points can be easily performed.

Instead of storing customer information in the POS terminal, information indicating service content may be stored in the customer's IC card, and the store side may read this information to change the content of the premium service. is there. in this case,
As shown in FIG. 13, information indicating the service content is stored in the point information storage unit 4 in the IC card in association with the store number. Then, when making a transaction, the information indicating the service content is read, for example, in the case of A, 7% of points are added
In the case of B, it is possible to provide different services for each customer by changing the content of the service according to the read information, such as adding 5% points.

Next, FIG. 4 shows another example of a block diagram of the electronic wallet system according to the present invention. This is one I
This is a system in which a plurality of amount information storage units are provided in the C card, and this amount information storage unit is separately used for high-priced payments and low-priced payments, and for high-priced payments, it is usually locked with a personal identification number. However, for low-priced payments, we usually do not lock it. Therefore, you can save yourself the trouble of entering your PIN when you pay a small amount such as tobacco or telephone charges, but you need a PIN when you pay a large amount of money. It is possible to satisfy both sides of ensuring security.

In FIG. 4, 15 is an ID number storage unit A, 16 is an amount information storage unit A, 17 is an ID number storage unit B, and 18 is an amount information storage unit B. Here, it is assumed that the electronic money stored in the amount information storage unit A is used for low-value payment, while the electronic money stored in the amount information storage unit B is used for high-value payment. Further, it is assumed that the amount information storage unit A locks with the personal identification number registered in the ID number storage unit A, while the amount information storage unit B locks with the personal identification number registered in the ID number storage unit B.

When the personal identification number is locked, it is required to input the personal identification number registered in the IC card when the electronic money is paid, and the electronic money cannot be removed from the IC card unless the personal identification number is entered correctly. . Therefore, in order to prevent unauthorized use when the IC card is lost, it is usually desirable to lock the amount information storage unit with a personal identification number, but in that case, it is necessary to enter the personal identification number each time a normal payment is made. There is a problem that the usability becomes poor.

Therefore, as shown in FIG. 4, a pocket A for small amount payment and a pocket B for large amount payment are prepared on one IC card, and the pockets A and B are switched according to the amount of payment and payment is made. To do. Specific processing will be described below with reference to FIG.

At the time of payment at the store, the customer makes an IC at the POS terminal.
When the card is inserted (S202) and the clerk totals the amount of shopping (S203), the total amount is displayed on the display unit 11 (S204). Thereafter, the card reading / writing unit 9 reads the balance A of the electronic money stored in the amount information storage unit A of the pocket A (S205), and determines whether or not the shopping amount can be paid by the arithmetic processing unit 12 in the POS terminal.
Judges (S206).

In this case, since the balance A is for a small amount of payment, if the payment is possible, the amount information storage unit A is updated (S207) and the sales amount storage unit 13 of the POS terminal.
Is updated (S218). On the other hand, in the case of a large amount of payment, the balance A is insufficient and the payment cannot be made. Therefore, the payment is automatically switched to the payment by the amount information storage unit B of the pocket B.

Normally, the money amount information storage unit B is locked with the personal identification number registered in the ID number storage unit B, so
A display prompting the user to input the D number is displayed on the display unit 11 (S20).
8). Here, when the customer inputs the personal identification number through the input unit 10 (S209), the personal identification number registered in the ID number storage unit B is read (S210), and whether it coincides with the personal identification number input through the input unit 10. How about arithmetic processing unit 5
Judges (S211). If the personal identification numbers do not match, it is possible that the IC card has been illegally used, and the IC card is ejected (S219), and the transaction is suspended (S220). On the other hand, when the personal identification numbers match, the balance B stored in the amount information storage unit B is read (S212), and the arithmetic processing unit 5 determines whether or not the payment of the shopping amount is possible (S213).

When payment by electronic money is possible, the amount information storage unit B is unlocked (S214), and the shopping amount is removed from the IC card. Then, after the balance B of the amount information storage unit B is updated (S215), the amount information storage unit B is automatically locked by the above-mentioned personal identification number (S216). Further, after the sales amount storage unit 13 of the POS terminal is updated (S218), the IC card is ejected (S219) and the process ends (S22).
0).

On the other hand, when payment is impossible, after the display section 11 indicates that the balance B is insufficient (S21
7) The IC card is ejected (S219) and the transaction is stopped (S220).

The system in which one IC card has a plurality of money amount information storage units has been described above. However, a plurality of money amount information storage units are separately used for high-priced payment and low-priced payment, and the high-priced information is stored. For payment, you usually lock it with a PIN, but for low-price payment, you usually use it without locking it, so that you can use the same IC card for both normal usability and security when the IC card is lost. It becomes possible to meet.

Here, in this embodiment, by setting an upper limit on the amount of money that can be deposited in the amount information storage unit A of the IC card, the balance becomes insufficient at the time of a large amount payment, and the amount information storage unit B automatically pays. The system was switched. However, as shown in FIG. 6, an upper limit amount of payment in the amount information storage unit A may be provided in advance, and when the upper limit amount is exceeded, the amount information storage unit B may be automatically switched to payment. In this case as well, by setting an upper limit to the amount of money that can be deposited in the amount information storage unit A, in both the embodiments of FIGS. 5 and 6, electronic money exceeding the upper limit can be used in the IC card unless the personal identification number is input correctly. Cannot be pulled from.

FIG. 7 shows an example of a flow for depositing electronic money into an IC card in the embodiment shown in FIGS. 5 and 6. In this case, the IC card can be transferred to the IC card from one's own account by inserting the IC card into the ATM of the bank or accessing the bank via a telephone line. When the IC card is inserted (S402) and the personal identification number is input (S403), the personal identification number is displayed (S404). Next, when the amount to be withdrawn from the bank's own account is input (S405), the amount is displayed (S406).

On the bank side, it is confirmed whether the input personal identification number matches the one registered in the IC card (S407), and if it does not match, it is determined that the IC card is illegally used. Therefore, the IC card is discharged (S417) and the transaction is stopped.

On the other hand, if the personal identification numbers match, it is judged whether or not the amount of money to be withdrawn from the bank account causes a balance shortage (S408). If the withdrawal is possible, the balance A of the amount information storage unit A of the IC card is determined. Is read (S40
9). If the withdrawal is impossible, it is displayed that the balance of the bank account is insufficient (S410), and the transaction is stopped.

Since the upper limit of the amount of money that can be deposited is set in the amount information storage section A of the IC card,
By calculating (upper limit value-balance A), how much more money can be deposited up to the upper limit value is calculated (S411). Then, when the money can be deposited in the amount information storage unit A, the balance A is updated (S4
12) Then, the balance of the amount withdrawn from the bank is calculated (S413). Here, if there is a balance, after depositing the balance into the amount information storage section B of the IC card (S
415), the bank account is updated (S416), but if there is no balance, the bank account is immediately updated.

On the other hand, when the balance A of the amount information storage unit A is equal to the upper limit value, the amount of money withdrawn from the bank is deposited in the total amount information storage unit B (S415).

As described above, the amount of electronic money cannot be deposited in the amount information storage A above the upper limit value, and the rest is automatically deposited in the amount information storage B.

In the embodiment shown in FIG. 4, one I
Although the C card is provided with a plurality of ID number storage units, only one ID number storage unit is provided and the personal identification number stored in this storage unit is used to unlock the amount information storage unit for high-value payment. It may be performed. In the present embodiment,
Although the IC card has two amount information storage units for high and low amounts, it may have two or more amount information storage units for automatic or manual switching and payment.

In the above embodiment, the IC card is provided with a plurality of amount information storage units to switch the flow for high amount payment and low amount payment. However, as shown in FIG. The number of copies may be one, and the input of the personal identification number may be requested according to the amount of money to be withdrawn. However, in this case, since the withdrawal of a small amount of money can be freely performed until the balance of the IC card is exhausted, the entire balance is withdrawn from the IC card at the time of unauthorized use. Therefore, security can be ensured by automatically requesting the input of the personal identification number when N is withdrawn a certain number of times. Details will be described below with reference to FIG. 9. Here, 22 is an access number storage unit that stores the number of times of access to the IC card.

At the time of payment at the store, the customer ICs the POS terminal
When the card is inserted (S502) and the clerk totals the amount of shopping (S503), the total amount of shopping is displayed (S504). After that, the number of times of access to the IC card stored in the number-of-accesses storage section 22 of the IC card is read by the card reading / writing section (S505).

When the number of times of access reaches a certain number N, the input number is automatically switched (S509).
If the number of accesses is less than the fixed number N, only when the shopping amount is equal to or more than a predetermined upper limit value (S
508), it is necessary to input the ID number. When the number of accesses reaches the fixed number N, the access count storage unit 22 of the IC card is reset (S507) and returns to the initial value.

If the input ID number matches the ID number registered in the IC card (S512), I
The balance of the C card is read (S513), but if they do not match, the access count is updated (S518), and the IC
The card is ejected (S519), and the process is stopped (S520).

When the balance of the IC card is read, it is confirmed whether the payment of the shopping amount is possible with the balance of the IC card (S514). If payment is possible, the balance is updated (S515), and then the sales amount storage unit of the POS terminal is updated (S517). After the access count is updated, the IC card is ejected and the process ends. On the other hand, if payment is not possible, display the balance shortage (S
516), the IC card is ejected and the processing is stopped.

As described above, it is possible to use only one IC card amount information storage unit and request the input of the personal identification number according to the withdrawal amount. In this case, I
By requesting the input of the personal identification number when the number of times of access to the C card has reached a certain number, it is possible to restrict the illegal use.

In the embodiments shown in FIGS. 4 to 7, the plurality of money amount information storage units are separately used for high and low amount payments, but they may be separately used for each payment purpose. For example, an office worker separates money used for business from money used for personal use in one IC card, and uses it by switching according to the purpose at the time of payment, thereby simplifying the settlement of money when traveling. be able to. For example, FIG.
As shown in the flow chart in 1, the public money used in the business of the company is stored in the pocket A, and the private money is stored in the pocket B, and the user can switch when using the electronic money. It can be easily realized with.

It is also possible to provide a plurality of amount information storage units with, for example, an amount information storage unit dedicated to payment to a specific railway company. In this case, it is possible to provide a service to the user by increasing a certain premium amount in the dedicated amount information storage unit.

Next, FIG. 10 shows another example of a block diagram of the electronic wallet system according to the present invention. this is,
This is a system in which personal information such as an address and a telephone number is stored in one IC card together with the amount of money information. In the present embodiment, a case where it is used when an address is entered in a courier service will be described as an example.

In FIG. 10, a personal information storage unit 19 stores a name, address, telephone number and the like. A printing unit 20 is used when the personal information is printed on the invoice for courier. Here, 21 is a POS terminal having a built-in printing function of personal information.

When the customer requests delivery by courier, the IC card is given to the clerk and payment is made by the electronic money stored in the amount information storage unit 3. Here, the personal information storage unit 1
By reading the personal information stored in 9, the printing unit 20 can automatically describe the address, name, etc. in the requester column of the invoice. In this case, the recipient column is filled in by hand, but if the personal information storage unit 3 also stores the information of the recipient, the recipient column can be automatically filled.

[0057]

According to the present invention, when a store provides various premium services in a commercial transaction using an electronic wallet system, the point information and the service content information as well as the amount information are stored in the IC card so that only one IC card is stored. It is possible to pay the amount of money and manage point information and service contents.

Further, in the above system, the money amount information and the point information are separately stored in a plurality of areas in the IC card, but it is also possible to separately store the money amount information in a plurality of areas. In this case, the amount information of one area is used for low-price payment, and the amount information of the other area is used for high-price payment. In addition, the area for low-price payments can be paid at all times, and the area for high-price payments can be locked with a PIN number at all times,
With one IC card, it is possible to satisfy both normal usability and security when the IC card is lost.

[Brief description of drawings]

FIG. 1 is a block diagram of an electronic wallet application system according to the present invention.

FIG. 2 is a point information storage unit in the electronic wallet application system according to the present invention.

FIG. 3 is a flowchart of an electronic wallet application system according to the present invention.

FIG. 4 is a block diagram of another example of an electronic wallet application system according to the present invention.

FIG. 5 is a flowchart of another example of the electronic wallet application system according to the present invention.

FIG. 6 is a flowchart of another example of the electronic wallet application system according to the present invention.

FIG. 7 is a flowchart when depositing electronic money into an IC card in the electronic wallet application system according to the present invention.

FIG. 8 is a block diagram of another example of an electronic wallet application system according to the present invention.

FIG. 9 is a flowchart of another example of the electronic wallet application system according to the present invention.

FIG. 10 is a block diagram of another example of an electronic wallet application system according to the present invention.

FIG. 11 is a flowchart of another example of the electronic wallet application system according to the present invention.

FIG. 12 is a block diagram of another example of an electronic wallet application system according to the present invention.

FIG. 13 is a point information storage unit according to another example of the electronic wallet application system of the present invention.

[Explanation of symbols]

 1 IC card 2 ID number storage unit 3 amount information storage unit 4 point information storage unit 5 arithmetic processing unit 6 connection unit 7 POS terminal 8 card control unit 9 card reading / writing unit 10 input unit 11 display unit 12 arithmetic processing unit 13 sales amount storage Part 14 Line control part 15,16 ID number storage part 17,18 ID number storage part 19 Personal information storage part 20 Printing part 21 POS terminal 22 Number of access storage part 23 Store number storage part 24 Customer information storage part

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification number Reference number within the agency FI Technical display location // G07F 7/12 G06F 15/30 360 G07F 7/08 B (72) Inventor Shigeyuki Ito Kanagawa 292, Yoshida-cho, Totsuka-ku, Yokohama-shi, Ltd. Within Hitachi, Ltd. multimedia system development headquarters (72) Inventor Minoru Takami 292, Yoshida-cho, Totsuka-ku, Yokohama, Kanagawa Prefecture Within Hitachi, Ltd. multimedia system development headquarters (72) ) Inventor Masayuki Inoue 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Hitachi Imaging Information Systems Co., Ltd.

Claims (22)

[Claims] 1. An IC card automatic transaction terminal device for conducting a commercial transaction by updating the amount information stored in an IC card with the transaction amount, an input means for inputting a transaction-related instruction, a first balance amount and a first balance amount. No. 2 of the first balance amount and the second balance amount by controlling the IC card read / write means for reading and writing the information in the IC card for storing the balance amount of 2 or Both are read from the IC card, the transaction amount input from the input unit is reduced from one or both of the first balance amount and the second balance amount specified by the instruction from the input unit, and An IC card automatic transaction terminal device, comprising: a control unit for updating the specified balance amount in the IC card. 2. The automatic IC card transaction according to claim 1, wherein the first balance amount is a money amount balance amount and the second balance amount is a point balance amount given by each transaction medium. Terminal device. 3. The control unit according to claim 2, wherein the control unit, when the amount balance is updated,
The point value corresponding to the transaction amount is increased to the point balance amount read from the IC card to obtain the IC
An IC card automatic transaction terminal device for updating the point balance amount in a card. 4. The IC card automatic transaction terminal device according to claim 2, further comprising a store number storage means for storing a store number, wherein the control means updates the point balance amount in the IC card. Then, the store number stored in the IC card in correspondence with the point balance amount is read, and only when the read store number matches the store number stored in the store number storage means, the inside of the IC card is read. The IC card automatic transaction terminal device, wherein the point balance amount is updated. 5. The balance amount according to claim 1, wherein the first balance amount and the second balance amount are both money amount balance amounts, and the control means is configured to update the first balance amount in the IC card. Only, the IC card automatic transaction terminal device is characterized in that the update is locked by the registered personal identification number. 6. The method according to claim 1, wherein the first balance amount and the second balance amount are both money amount balance amounts, and the control means updates the first balance amount in the IC card. Only, the size relationship between the transaction amount and the preset upper limit amount value is compared, and the update is performed only when the transaction amount is smaller than the upper limit amount value. Terminal device. 7. The IC card according to claim 6, wherein the upper limit value is stored in the IC card, and the control unit reads out the upper limit amount value from the IC card for comparison. Automatic transaction terminal device. 8. The first balance amount and the second balance amount according to claim 1, wherein both of the first balance amount and the second balance amount are money amount balance amounts, and the control means, when the transaction amount is equal to or more than an upper limit amount value, the first balance amount. The transaction amount is reduced from the balance amount, and when the transaction amount is equal to or less than the upper limit amount value, the transaction amount is reduced from the second balance amount. 9. The IC according to claim 8, wherein the upper limit amount of money is stored in the IC card, and the control means reads the upper limit of amount of money from the IC card for comparison. Card automatic transaction terminal device. 10. The IC card automatic transaction terminal device according to claim 1, further comprising a line control unit for connecting an external line, wherein the control unit follows the instructions from the input unit and the line control unit. An IC card automatic transaction terminal device, wherein one or both of a first balance amount and a second balance amount in a card are increased. 11. The control means according to claim 10, wherein when increasing one or both of the first balance amount and the second balance amount in the IC card,
First, the first balance amount is increased, and if the first balance amount is equal to a predetermined upper limit amount, then the second balance amount is increased, and then the IC card automatic transaction terminal. apparatus. 12. An IC card which stores money amount information in an IC card and inserts it into a terminal device to update the money amount information so as to carry out a commercial transaction, a first storage unit for storing a first balance amount, A second storage unit for storing a second balance amount; and the first and the second according to an instruction from the terminal device.
And a control means for updating the first and second balance amounts stored in the storage section of the IC card. 13. The IC card according to claim 12, wherein the first balance amount is an amount balance amount, and the second balance amount is a point balance amount given by each transaction medium. 14. The IC card according to claim 12, wherein the second storage unit stores a plurality of point balance amounts for each effective store. 15. The storage device according to claim 14, wherein the second storage unit stores a store number for identifying a store for which the plurality of point balance amounts are effective, corresponding to the plurality of point balance amounts. IC card characterized by. 16. The IC card according to claim 12, wherein the first balance amount and the second balance amount are both money amount balance amounts. 17. The IC card according to claim 12, wherein the first or second storage unit stores an upper limit value for reducing the first or second balance amount. 18. The method according to claim 1, wherein the first balance amount is a money amount balance amount, and the second balance amount is information indicating a point balance amount and a service content provided by each transaction medium. IC card automatic transaction terminal device. 19. The control unit according to claim 18, wherein when the balance amount is updated,
The point value corresponding to the transaction amount is increased to the point balance amount read from the IC card to obtain the IC
An IC card automatic transaction terminal device for updating the point balance amount in a card. 20. The automatic IC card transaction terminal device according to claim 18, wherein the control unit changes a point value corresponding to the transaction amount according to information indicating the service content. 21. The IC card automatic transaction terminal device according to claim 18, further comprising a store number storage means for storing a store number, and the control means prior to updating the point balance amount in the IC card. Then, the store number stored in the IC card in correspondence with the point balance amount is read, and only when the read store number matches the store number stored in the store number storage means, the inside of the IC card is read. The IC card automatic transaction terminal device, wherein the point balance amount is updated. 22. The IC card automatic transaction terminal device according to claim 18, further comprising: a store number storage means for storing a store number and a customer information storage means for storing customer information; and the control means, in the IC card. Prior to updating the point balance amount of, the store number stored in the IC card corresponding to the point balance amount is read, and the read store number and the store number stored in the store number storage means. Only when the two match, the point balance amount in the IC card is updated according to the information stored in the storage means, and the service for each customer is based on the customer information from the customer information storage means. An IC card automatic transaction terminal device characterized by setting contents.