JPS62143193A - Ic card - Google Patents

Abstract

PURPOSE:To manage a paying schedule by providing an IC card with a means for storing an accounts settling condition in each transaction, a display part, a means for selecting and inputting a required condition, and a display means. CONSTITUTION:A RAM in a memory 12 includes an area for storing the data from an automatically updated calendar function, a buffer B for storing transaction data such as a banking organ to be paid, a paying data, amount to be paid, and the number of paying months from a cash register(ECR) 20 at the time of shopping, an area D for storing data inputted from ten keys on a keyboard 13, a counter (i) for counting up a number every data input from the ECR 20 at the time of shopping, a counter (j) for counting up a number every access of a transaction data area, and areas M1... for storing respective transaction data. The residual number of mounts in the areas M1... is subtracted every passage of one month. Thus, the paying schedule can be controlled.

Description

DETAILED DESCRIPTION OF THE INVENTION <Industrial Application Field> The present invention relates to an IC (integrated circuit built-in) card, and particularly to an IC card that functions as a credit card and manages payment schedules.

<Prior art> - Credit cards issued by credit card companies to guarantee and provide credit to members are well-known, and by simply presenting a credit card and signing a member's name, the member can receive credit from the card company. You can make purchases within a certain limit from participating stores. In this case, the member has the benefit of a deadline and only has to pay the purchase price within a predetermined deadline.

<Problems to be solved by the invention> However, since the payment method using the boss's own credit card has the advantage of time limits, especially when the user purchases frequently, the amount equivalent to the shopping amount is deposited in the user's own account. In view of the above-mentioned problems, the present invention aims to manage the payment schedule when making purchases, etc. that benefit from deadlines. The purpose is to provide an IC card that can be used.

Means for Solving the Problems> In order to solve the above problems, the present invention provides an IC card to which credit in transactions is granted in advance, and includes means for storing payment conditions for each transaction, a display section, and an IC card. , comprising means for selecting and inputting desired conditions from the payment conditions, and means for extracting payment conditions from the storage means and displaying them on the display section Ai according to the conditions selected by the input means. shall be.

<Example> Hereinafter, the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram of an IC card 1o and an electronic cash register (ECR) 20 according to the present invention.

The IC card 10 is issued to each member by a credit card company, and credit is guaranteed and provided to each member by the card company. By presenting the IC card 10, the member can make purchases within the credit limit at each member store of the card company.

The member also has a time limit for the card company and pays the purchase price within a predetermined period through his or her own bank account.

As shown in FIG. 1, the IC card 10 is connected to a central processing unit (
An interface (I/F) that connects the CPU) 11, the memory 12, the keyboard 13 as shown in FIG.
) 15 have.

The memory 12 has a read only memory (ROM) and a random access memory (RAM), and the ROM stores an execution program for the CPUI 1 shown in FIG. As shown in Figure 3, the RAM of the memory 12 has an area where today's date is stored from the automatically updated calendar function, and an area where the ECR 20 stores the payment address, payment date (
Buffer B stores transaction data (settlement conditions) such as payment date), payment amount, and number of payment months (number of months with due profit)
, area D where data input from the numeric keys of the keyboard 13 is stored, a counter i that counts each time data is input from the ECR2O at the time of shopping, and a counter j that counts each time each transaction data area is accessed.
and area M+ where each transaction data (settlement conditions) is stored.
1 My... is provided. This area M, ,
The remaining number of months (number of payment months) for M,... is as described below.
It is subtracted every month.

As shown in FIG. 2, the keyboard 13 has a numeric keypad for inputting numbers and function keys F, ~F,
The numeric keypad is used to enter a payee code number to search for a payee, or to enter the year, month, and day to search for amounts for each payment date.

The function key F1 of the keyboard 13 is the memory 1
The key F is used to read out data in 2 and display it on the display section 14, and the key F is used to sequentially read out a plurality of data of the same payee, and the key F is a display end key.

On the other hand, ECR2O is placed at each member store of the card company,
Operated by an operator such as a store clerk.

As shown in Figure 1, ECR2O is a central processing unit (CP).
U) 21, a memory 22, a keyboard 23, a display section 24, and an interface (I/F) 25 that connects with the IC card 1o.

The memory 22 has a ROM and a RAM, and the ROM stores an execution program as shown in FIG. 4 and a known money registration program. The RAMK of the memory 22 is provided with an area where the price, payee, payment date, and number of months of payment inputted from the keyboard 23 are stored, as well as other work areas for the CPU 21 .

FIG. 4 shows the operation of the CPU 21 of the ECR2O, and FIG. 5 shows the operation of the CPU II of the IC card 10, especially step (
Hereinafter referred to as ST. )11 to 5T13 indicate operations when connected to ECR2O.

In FIG. 4, when the ECR operator inputs the product category and amount of each product via the keyboard 23, the ECR 2
The CPU 21 of O performs known monetary registration such as calculation of the total amount and aggregation for each product category.

Next, in ST2, the operator enters the payment destination (the code number of the member store), the payment date (the date the member makes the payment to the card company), and the number of months from that day to the payment date.
The CPU 11 stores these data in the memory 22.

Continuation < In ST3, the above-mentioned payment destination, payment date, payment amount (total shopping amount), and number of payment months are transferred to the IC card 10.

On the other hand, the CPU II of the IC card 10 is 5TII in FIG.
When the data (ST3) is received from the ECR 2O, it is stored in the buffer B (FIG. 3) of the memory 12, and in the continuation <STI 2, it is stored in the transaction data area Mi at the address indicated by the counter i. In STI 3, the counter 1 is incremented by [month], that is, the data is prepared to be stored in the area Mi+1 at the time of the next shopping. That is, the transaction data is sequentially stored in M11M2, . . . for each purchase.

When the date of the auto calendar is updated in STI 4, the process advances to 5T15 and the date is updated in the area of the memory 12 shown in FIG. Then, at 5T16, counter j
(Fig. 3) is reset to "1", and in the continuation <5T17, the transaction data area Mj(
It is determined whether the payment date of j-1) matches the date on the auto calendar.

If they match in 5T17, proceed to 5T18 and subtract one month from the remaining number of months (=payment months) of area Mj (j=1), and if they do not match, proceed directly to 5T19. At 5T19, add 11'' to counter j, and continue <5T2
0, the area Mj of the address indicated by counter j (
It is determined whether transaction data is stored in j←j+1).

If data is stored in area Mj at 5T20, the process returns to 5T17 and all areas M, , M,
5 until the above check is completed for the data of...
Repeat the loop from T17 to 5T20.

In other words, when you update the date on the auto calendar, all accounts payable are checked, and for accounts payable that have passed for one month, 1
Subtract the number of months to match the number of months until the settlement date. In addition, in this STI 4-5T20 routine, the transaction data area where the payment date that matches today's date is stored is
It is best to assume that the payment has been completed and reset.

Here, when the member reads the transaction data stored in the IC card 1o and displays it on the display 14, when reading data for each payee, press the function key F1 and then input the payee code using the numeric keypad. Also, to sequentially read data for each transaction regarding the same payee, press the function key F. When reading the payment amount (total amount of accounts payable) for each payment date, press the function key F1 and then input the payment date (year, month, day) using the numeric keys.

Return to Figure 5! 5.5 When the function key F+ (display mode) is pressed at T21, the process advances to Sr12, and then the input numeric keypad data is stored in area D (of the memory 12).
(Fig. 3).

In Sr13, if the data stored in area D is the payee code, the process advances to 5T24 and the counter j is reset to 11'', and in the continuation <5T25, the payee code of area D and the address indicated by counter j are stored. It is determined whether or not the payee code in the transaction data area Mj (j=1) matches. If they match, proceed to 5T26,
The payment date, payment amount, and remaining months in the transaction data area Mj (j=1) are displayed on the display section 14.

Next, when the function key F is pressed, the flow advances from 5T27 to 5T28 to set the counter j wo1-IJ 770, and then at 5T29, the transaction data area Mj (j
-j+1) is stored.

If YES, the process returns to 5T25 and the next transaction data of the in-vehicle payment destination is determined and displayed as 0. In addition, if the two codes do not match at 5T25, proceed directly to 5T28,
Search transaction data area with matching payee code in Sr15-5T28-8T29-8T25 loop 1
indicate. Also, when function key F is pressed, S
Proceed from r17 to 5T30 and end the payee specific table water mode.

On the other hand, when the date is entered using the numeric keypad after pressing the function key F, 5T21 to 5T22.5T2
Proceed to 3.5T31.5T32, buffer 7B (Figure 3)
Clear the payment amount.

In Sr13, counter j is reset to "1", and then <5
At T34, the date of area D (Sr12) and the transaction data area Mj of the address indicated by counter j (j=1)
Determine whether or not the payment date matches the date of payment. If they match, the process proceeds to Sr15, where the payment amount in area Mj is added to the payment amount stored in buffer B. If they do not match, the process directly proceeds from 5T34 to 5T36.

Next, at 5T36, the counter j is incremented by 1-1'', and at <5T37, the transaction data area Mj (j←j
+1) to determine whether data is stored in the publication. Y
In the case of ES, the process returns to ST34, and the next transaction data for the payment date is searched and added.

After searching and adding up all the transaction data for the payment date, the process advances to 5T38 and displays the payment amount of buffer B, that is, the total payment amount for which the payment date is the payment date.

If it is determined in 5T34 whether the date of input in area D is before the payment date in transaction data area Mj, the total amount of accounts payable after the date of input can be displayed.

Furthermore, if there is an erroneous input after Funk 7 Yon key F is pressed, error processing (ST39) is performed and the process returns to 5T11.

In this embodiment, the payment conditions such as payee, payment date, payment amount, and number of payment months are stored in the IC card for each transaction, and the payment amount for each payee, payment amount for each payment date, etc. are displayed in advance. The payment amount is f! You can make purchases according to your ability to pay by using Avt#.

<Effects of the Invention> As explained above, the present invention
Since the payment terms for each transaction are recorded on the C card and can be read out at any time, it is possible to manage the payment schedule when making purchases that have a deadline, and also to Never neglect.

[Brief explanation of drawings]

FIG. 1 is a block diagram of an IC card and an electronic cash register according to an embodiment of the present invention, and FIG. 2 is a block diagram of an IC card and an electronic cash register according to an embodiment of the present invention.
A front view of the C card, FIG. 3 is an explanatory diagram of the main storage contents of the memory in FIG. 1, FIG. 4 is a flowchart to explain the operation of the CPU of the ECR in FIG. 1, and FIG. IC of
It is a flowchart for explaining the operation of the CPU of the card. 10...IC card, 11...Central processing unit, 12
...Memory, 13...Keyboard, 14...Display section.

Claims (1)

[Claims] The IC card is provided with credit for transactions in advance, and includes means for storing payment conditions for each transaction, a display section, means for selecting and inputting desired conditions from the payment conditions, and selection by the input means. and means for reading payment conditions from the storage means and displaying them on the display section according to the conditions set.