JPS61134872A - Ic card transaction system - Google Patents

Abstract

PURPOSE:To store all service contents so long as the storage capacity of one IC card permits by storing plural kinds of operating procedures and transaction data in the operating procedure table for each transaction kind. CONSTITUTION:An are IM constitutes a bank operation procedure table index. When the bank number is 1234, a head address storing each procedure is stored in order so as to execute the procedures 1-3. Similarly, when the bank number is 3456, the head address of the area storing procedures 6, 7 is stored in order. An area MA constitutes the operating table storing the operating procedure and transaction data of a transaction processing unit. The operating procedure is stored in order from the procedure 1 and plural kinds of the procesures are stored at each transaction. The procedures a-i are operating procedures and data A-C are transaction data.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field The present invention relates to an IC card transaction system that allows transactions to be carried out using an IC card.

(b) Background of the Invention IC cards in which IG is embedded have the potential to become widespread in the future as intelligent cards that have their own processing capabilities. The IC card is a conventional MS card (a card with a magnetic stripe surface)
The major difference is that the IC card itself has intelligent functions and can have a very large storage capacity.

(C) Purpose of the Invention The purpose of the present invention is to utilize the characteristics of the IC card as described above to enable the IC card itself to memorize the operating procedures of a transaction processing device, and to store the operating procedures for each type of transaction. To provide an IC card transaction system capable of storing a plurality of types of services and supporting a plurality of types of services with one IC card.

+d) Structure and Effects of the Invention In summary, the present invention provides an operation capable of storing a plurality of types of transaction data for each type of transaction, which can be written in an IC card through operating procedures of an ATV or the like and access from an external data input device. A procedure table is provided.

With this configuration, according to the present invention, multiple types of operation procedures and transaction data are stored in the operation procedure table for each transaction type, so that when the card issuer side (financial institution, etc.) uses the IC card, When implementing a plurality of services, there is no need to issue IC cards corresponding to the number of services, and the contents of all services can be stored in one IC card as long as its storage capacity allows. This has the potential to greatly expand the usage of IC cards, and also has the effect of simplifying card management on the card issuer side.

(e) Embodiment FIG. 2 is an external view of an IC card. plastic I
An IC 2 is embedded inside the C card, and a plurality of connectors 3 connected to the IC 2 are exposed and formed on the surface of the card. Further, an emboss 4 is formed on the front surface, and a preliminary magnetic stripe 5 is formed on the back surface.

As shown in FIG. 3, the TC 2 includes a CPU 20 and a ROM 21 consisting of an electrically writable and erasable EEPROM.
and a RAM 22 used for work. The CPU 20 receives power supply from the terminals C4 and C8 of the connector 3, and receives a clock from the terminal C6. It also receives a reset pulse from terminal C7 and transmits data (serial data) via terminal C2. Terminals CI, C3 and C5 are spare terminals.

FIG. 4 is an external view of a card holder which is an example of an external data input device. This card holder can accept the IC2 and write transaction data into the ROM21.

The card holder body 1 is made of plastic and has approximately the same size as the IC card. On the surface of the card holder body 6, there is a numeric keypad 7 and a liquid crystal display 8.
．． A solar battery cell 9 is arranged. Chinki-7 is IC
It is used when writing transaction data etc. to the ROM 21 of the card. The display 8 displays input data and the like. The solar battery cell 9 constitutes the power supply of the card holder itself, and furthermore, the IC
To supply power to an IC card when the card is stored. An IC card insertion slot 10 is provided on the side of the card holder body 6. The IC card is inserted through this IC card insertion slot 10 and is inserted into the interior.

A storage section for storing the IC card is provided inside the card holder main body 6, and a contact terminal for contacting the terminal 3 of the IC card is attached within this storage section.

FIG. 5 is an internal block diagram of the card holder. The contact terminals 30 have the same configuration as the terminals of the connector terminals 3 of the IC card. The solar cell 9 is connected to contact terminals C4 and CB, and the CPU 31 receives power supply from pins connected to the contact terminals C4 and C8. A clock circuit 32 is also connected to the contact terminal C6, and the CPU 31 receives a clock from the pin connected to the contact terminal C6. C
PU31 further sends a reset pulse from contact terminal C7. Further, data is serially transferred to and from the IC card via the contact terminal C2. 33 is a ROM that stores a program that defines the operating procedure of the card holder, and 34 is a RAM that includes a data work area and the like.

FIG. 6 is a schematic external view of an ATV (automated teller machine) equipped with an IC card reader. On the front of the main body 23 is a CRT 24 that displays messages, etc. (operating procedures, etc.)
, input key 25 for entering numerical values etc. necessary for transactions, IC card insertion slot 26 for inserting an IC card, passbook insertion slot 27
, a bill insertion slot 28 for inserting bills in the deposit mode, etc., a bill ejection port 29 for receiving bills in the payment mode, a call button 30 to call an attendant in case of an abnormality, and an attendant key 31 that can be operated by the attendant. ing.

FIG. 7 is a block diagram of the control section of the ATM. The main control unit 1) includes an IC card reader 12, a CRT control unit 13,
Key control unit 14, passbook printing machine 15, banknote deposit/withdrawal control unit 1
6. Control each line control unit 17. Each element is divided into blocks and constitutes a master-slave control system with the main control section 1). The IC card reader 12 is I
It accesses the IC card input through the C card insertion slot 26 and reads and writes operating procedures, transaction data, etc.

The CRT control unit 13 controls the display of the CRT 24. The key control section 14 receives input data operated by the input key 25 and sends it to the main control section 1). The passbook printing machine 15 prints transaction data, etc. on the passbook inserted into the passbook insertion slot 27, and also reads recorded data of the passbook. The banknote deposit/withdrawal control unit 16 controls the deposit of banknotes inserted into the banknote insertion slot 28 and controls the withdrawal of banknotes to the banknote discharge port 29 . Line control section 17
controls transmission between the center and the center that has large-capacity data files.

[Detailed description of the invention]

FIG. 1 is a partial configuration diagram of the ROM 21 included in the IC2. BF constitutes an input data bath sofa. The input data includes, for example, a transaction type and a bank number. In the example shown in the figure, input data in which the transaction type is 1 and the bank number is 1234 are stored. Area IM constitutes a bank operation procedure table index. 1234,2345.
Each serial number of 3456 is a bank number. In the case where the bank number is 1234, the first address where each procedure is stored is stored in order so that steps 19, 25, and 3 are executed respectively. Similarly, when the bank number is 3456, the start addresses of the areas for storing steps 6 and 7 are stored in order. Area MA constitutes an operation procedure table that stores operation procedures and transaction data for the transaction processing device. The operation procedures are stored in order from step 1, and a plurality of types are stored for each transaction type. As described above, the start address of each procedure is stored in the table index 1M in correspondence with the bank number. a to i are operating procedures, A
-C is transaction data. Transaction data A to C can be written with the above-mentioned card holder. Further, procedures a to i are automatically written from one center via an ATM. Writing of transaction data is performed under the control of the IC card itself, as will be described later. In the illustrated example, transaction data corresponding to the operating procedure d, "Press the code" and the operating procedure e, "Press the amount" are not stored. Also, the transaction data corresponding to step f "Press transfer destination" is 1234567, but this transaction data is added to the operation procedure storage column * (fixed information mark)
This indicates that the information is fixed information.

[Explanation of system operation]

FIGS. 8(A) and 8(B) are flowcharts showing the operation of the IC card.

When the IC card 1 is inserted into the card holder body 6 or the ATM card reader 2 and a start command is input from the key 7 or 25, step nl (step ni
is simply called ni) and proceeds to n2. The input data is passed as is to the IC card, and the IC card determines whether the input data is manually input data from the ATM or the card holder. In addition, since the input data includes the ATM or card holder IDl1h, the IC
The card knows which type of input data it is by checking this ID1lla.

If the input data is data from the card holder, the process proceeds as n 2 - n 3. After n3, transaction data is set from the key 7 of the card holder to the operation procedure table MA. First, at n4, the transaction type and bank number data are entered into the buffer BF, and after waiting for the enter key to be pressed, the process proceeds from n5 to n6. At n6, a predetermined address of the operation procedure table based on the data input to the buffer is set in the pointer. For example, when 1) 234 is input to the buffer BF as shown in FIG. 1, the address where "Press code" in step 1 is stored is set in the pointer. Next, at n7, the content of the operation procedure for the address specified with the pointer is displayed, at n8 it is determined whether a fixed information mark (*) is added to the operation procedure, and further at n9, the contents of the operation procedure for the address specified with the pointer are displayed. Determine whether transaction data corresponding to the operation procedure has already been entered. If the fixed information mark is marked i, the process advances to n17, the pointer is advanced by one, and the operation procedure table address is updated. That is, in the above example, the address set in the pointer is the address of the area where "Press amount" is stored. At n1B, it is determined whether the content of the address specified by the pointer is "END", and if not, the steps from n7 onwards are executed again. If it is “END”, the process ends at that point. Also n8. If there is no fixed information mark and no input data at n9, the process advances to n14. In this case, the key manual data is stored as it is in the transaction data storage area corresponding to the operating procedure currently designated by the pointer (n15), and the process waits for the enter key to be pressed (n16) before proceeding to n17. Also n8.
In n9, if there is no fixed information mark but there is input data, the process advances to nlo and the input data that has already been input is displayed. At this point, the operator is asked whether the entered data is OK. If the operator determines that it is acceptable, the operator presses the key marked with *. This key is included in the input key 7 of the IC card holder. If it is determined in n12 that the * key has been pressed, the process advances to n17 to proceed to processing for the next operating procedure. *If it is not a key, the process proceeds to n13, and the newly inputted data is stored replacing the inputted data displayed at n10. Thereafter, steps n14 to n16 described above are executed, and data from the input key is stored at the same address until the enter key is operated, at which point the process proceeds to n7.

As described above, desired transaction data can be written into the transaction data storage area without the fixed information mark. Furthermore, if the input data has already been stored, the data can be saved simply by operating the * key.

Note that in n7 and nlo, the data is displayed not on the IC card but on the display 8 of the card holder.

The IC card simply sends its display data to the card holder.

[Detailed description of the invention]

Next, the flowchart shown in FIG. 8(B) will be explained. If the data input at n1 is the input data from the ATM, the process proceeds to n2-n20, and as shown in FIG.
Execute the flowchart shown in B). First, the transaction type and bank number data are input from the ATM side (n20),
The transaction type and bank number data are set in predetermined areas (n21). Next, in n22, it is determined whether the bank number is in the bank operation procedure table index IM. If there is, execute n23 and subsequent steps; if not, terminate. At n23, the start address of the first procedure of the procedure group stored in the index IM corresponding to the bank number is searched from the operation procedure table MA. Transaction type data is assigned to each procedure (in the example shown in FIG. 1, procedures 1 to 7). At n24, the transaction type data is transmitted to the ATV. For example, if the transaction type data of procedure 1 is 1 and the procedure searched at n23 is procedure 1, then the transaction type data transmitted to the ATV at n24 is 1. Subsequently, in n25, the address of the operation procedure table MA is set in the pointer. That is, the start address of the searched procedure is set as the pointer. At n26, transaction data corresponding to the operating procedure set in the pointer at that time is transmitted to the ATM. For example, if the pointer is set to the address of the operation procedure "Press the code" at the start address of procedure 1, data 1234 is transmitted. In step n27, it is determined whether the transaction data has a fixed information mark. Otherwise, erase the input data sent by n2B. This is done to increase the security of transaction data. If the data has a fixed information mark attached, the process proceeds to n29 without erasing the data, and the pointer is updated to the address of the next operating procedure. At n30, it is determined whether the operation procedure is END, and if not, the process goes to n26 again and the transaction data is transmitted to the ATM.

If the operation procedure reaches the END ratio, proceed to n40.

[Explanation of operation after data transmission]

At n40, the next data input is waited, and at n41 it is determined whether the input data is an operation procedure load request sent from the center via the ATM. Otherwise, exit. If it is an operation procedure load request, the process advances to n42 and executes processing for storing the operation procedure sent from the ATM side in table MA. It is determined in n43 whether the first procedure sent is already stored. In the example shown in FIG. 1, steps 1 to 7 have already been stored, so any other steps are considered new steps and the process goes to n44. Note that the determination as to whether the procedure is a new one is made by determining whether the transaction type data is new. If it is a new procedure, a new address of the operation procedure table MA is set in the pointer at n44, and the data sent at n46 is stored at n4B.

The data sent here is data indicating the operating procedure, and is the operating procedure data stored in the a w i area shown in FIG. Note that the starting address of the new procedure storage area is stored in the area of the table index IM corresponding to the bank currently receiving service. Steps n46 to n48 are repeated until the input data becomes ETX (data indicating the end), and the process ends when ETX is input. Also, if there is already a procedure failure in n43 above, n4
Proceed to step 5 and set the start address of the already existing procedure tooth in the pointer. Subsequently, the data successively sent from n46 to n4B are stored until ETX is sent. That is, in this operation, the procedure cannot be updated.

From the above explanation, as shown in FIG. 1, the operation procedure table can store multiple types of operation procedures and transaction data according to the transaction type, and
By the operation 2, any one of the plurality of operation procedures can be sent to the ATM.

Although a card holder was used as an external data input device in this embodiment, it is also possible to use a computer or other data input device.
A single device can also be used.

[Brief explanation of the drawing]

Fig. 1 is a diagram showing the operation procedure table stored in the IC card, Fig. 2 is an external view of the IC card, Fig. 3 is a block diagram of the IC, Fig. 4 is an external view of the card holder, and Fig. 5 is an external view of the IC card. A block diagram of the card holder, Figure 6 is an external view of the ATV, Figure 7 is a block diagram of the ATM control unit, Figures 8 (A), (
B) is a flowchart showing the operation of the IC card. MA-Operating procedure table.

Claims (1)

[Claims] (1) It includes an IC card with an IC embedded therein, and a transaction processing device connected to a center and having a card reader that accepts the IC card; It has an operation procedure table that can store multiple types of transaction data for each transaction type, and stores data stored in the table corresponding to the transaction type input in the transaction processing device in the transaction processing device. An IC card transaction system comprising a means for transmitting data.