JPH10222588A - Electronic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic transaction system which is convenient to a client and further prevents the illegal alteration of control software in electronic transaction which is executed through a client money card and a bank money card. SOLUTION: In an electronic transaction system which connects client's terminal 3 and a money management center 6 through line and enables giving and receiving transaction of fund information that is stored on a client's money card 1, the client's money card that is inserted into the terminal 3 is identified, the center 6 sends control software 13 which corresponds to a settlement form to the terminal 3 and the received control software 13 is temporarily stored in the card 1. The software 3 performs the shift of fund information with a bank money card 2, after fund shift, the software 13 is erased and the transaction is finished.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of depositing a currency into a financial institution such as a bank and transferring a monetary value corresponding to the currency to an IC.
(Integrated Circuit) The present invention relates to an electronic transaction system in which a card is stored as electronic money and a transaction is performed using a customer terminal.

[0002]

2. Description of the Related Art There is a technique disclosed in Japanese Patent Publication No. Hei 7-104891 for payment by electronic money. This is to subtract the settlement amount from the balance of funds recorded on the customer's IC card and transfer the settlement amount directly to the retail store's IC card. The latest balance of funds is always recorded on the retail store's IC card. In some cases, it is not necessary to bring a transaction record to a financial institution to convert the cash into cash, thereby reducing the cost of handling cash such as cash and change accounts at retail stores and financial institutions, and eliminating the paperwork associated therewith.

[0003] When funds (electronic money) are insufficient in such an electronic money payment system, the customer needs to fill the customer's IC card with funds, and the customer goes to a financial institution's sales office and goes to his / her own office. A predetermined amount is transferred as electronic money from a savings account, or a customer terminal is connected to a host computer of a financial institution that manages its own savings account using a telephone line or the like, and a customer IC card inserted in the customer terminal is connected to a customer's IC card. Filling the funds.

Further, in the above-described payment system, it is conceivable that transaction records are accumulated and a profile of a customer is created. In addition, problems of customer privacy such as a recorded purchase pattern and lifestyle, as well as loss and theft are also considered. In some cases, a customer may request a plurality of customer IC cards.

[0005]

When there is a shortage of electronic money as funds in a customer IC card and the user wants to replenish funds, that is, to replenish funds, a customer terminal or the like capable of performing transactions for replenishing electronic money is used. Thus, a predetermined amount from the bank's own savings account is filled with a monetary value (electronic money) corresponding to the currency. There are a plurality of banking institutions, credit sales companies, distribution companies, etc. as the financial institutions that issue this electronic money, and there are prepaid (prepayment), debit (immediate payment), credit (postpayment), etc. as their settlement forms. In addition, there are various types of credits such as a revolving card (division) and a charge card (collective).

[0006] In the case where payment is performed from a customer terminal when the settlement form is not unified in these electronic money transactions, it is necessary to prepare a plurality of customer terminals for each settlement form, and the capital investment amount is increased. Is increasing, or the issuer's own customer IC that matches the payment form of the customer terminal owned by the customer
The necessity of preparing cards was very troublesome. Furthermore, a customer who does not have a dedicated customer terminal has to search for a branch office of a financial institution that can use the issuing customer's IC card, and in some cases has to go to a branch office in a remote place, which is very troublesome.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention records electronic money information having a monetary value on a card-shaped storage medium, and performs an electronic transaction by updating the financial information. In the electronic transaction system, the card-shaped storage medium is a customer money card storing fund information based on a predetermined settlement form, and a customer who can read and write the stored fund information from the attached customer money card. A terminal and a higher-level device for storing and managing the fund information of the customer holding the customer money card are provided. At this time, the payment mode of the customer money card attached to the customer terminal is identified, and control software corresponding to the payment mode is transmitted from the higher-level device to the customer terminal. Carry out the settlement process.

Further, the host device is provided with a plurality of bank money cards each corresponding to a plurality of settlement modes and storing fund information, and the control software transmitted from the host device to the customer terminal is temporarily stored in the customer money card. And transfer the fund information to and from the bank money card by the control software. After the fund transfer, the control software is deleted and the transaction is terminated.

[0009]

Embodiments of the present invention will be described below. FIG. 1 is a diagram of an electronic transaction system according to the present invention, FIG. 2 is an external view of a portable customer terminal, and FIG. 3 is a control block diagram of the portable customer terminal. In the figure, reference numeral 1 denotes a customer money card, which is configured to be insertable into the portable customer terminal 3a. 3b is a portable customer terminal 3a
And a communication network that can be connected to a money management center 6 of a financial institution via a communication line 5.

The money management center 6 is connected to a host computer 8 via a dedicated line 7. Reference numeral 9 denotes a storage device managed by the host computer 8, and stores a deposit ledger file 9a. This deposit ledger file 9a
The contents of are the address, name, age, occupation, account number, personal identification number, and savings balance information (corresponding to monetary value information, hereinafter referred to as electronic money balance) of the customer who has opened the account. Every time a transaction is performed, an update of the electronic money balance is instructed by the host computer 8 and the storage device 9
The latest information is stored and stored.

[0011] As the deposit / savings balance information, part or all of the deposit balance is exchanged for “electronic money” as a monetary value corresponding to the same currency. (There is a case where the deposit / saving balance information is not handled as electronic money but is used as usual, but in the following description, the savings balance information is referred to as “electronic money balance information”.) Money management center 6
Has a transaction processing manager 10 and a transaction log counter 1
1, a control software storage unit 12, a card safe 14, and a card array manager 15 are provided.

The transaction manager 10 controls electronic transactions traded via the communication line 5. The transaction log counter 11 stores the contents and the number of transactions made by the transaction manager 10. is there. The control software storage unit 12 has an IC card in which control software 13 for performing various transaction controls is stored for each payment mode.
A C card reader is provided.

Reference numeral 13 denotes control software, which is electronic information electrically stored in the IC card similarly to the customer money card 1, and can be easily exchanged by extracting the electronic information from the above-mentioned IC card reader. Recording on a floppy disk or the like as magnetic information, recording on a ROM (Read Only Memory) mounted on a printed wiring board or the like, and further storing on a CD-ROM or a large-capacity IC memory card are necessary. Needless to say, it is also possible to exchange according to.

The card safe 14 stores a plurality of bank money cards 2 attached to a plurality of IC card readers / writers (not shown), and is used to transfer and store transfer fund information traded via the communication line 5. The transaction processing is managed and executed by the card array manager 15. The card array manager 15 is connected to the host computer 8 via the dedicated line 7.

The communication line 5 can be connected to a money management center 6 from a multifunctional telephone 3b or a personal computer (hereinafter, referred to as a PC) 4. Customer terminal 3
Is composed of, for example, a portable customer terminal 3a and a multifunctional telephone 3b.
This is used when, for example, withdrawing electronic money from the customer, when conducting a transaction from the customer money card 1 via the money management center 6.

The PC 4 is used, for example, when conducting a transaction via the customer money card 1 and the money management center 6 as described above, and is one form of the customer terminal 3. It should be noted that the customer terminal includes a POS (Point of Sale) terminal (not shown) and the like. A settlement network line 16 is connected to a card issuing base 17 and another financial institution 18. For example, a customer money card having an account opened at a financial institution different from the financial institution holding and managing the host computer 8. It is used when conducting a transaction with

The issuing host 17 is a bank or a credit company or the like that issues electronic money. The issuing host 17 is connected to the host computer 8 via the settlement network 16 and has a unique settlement mode. (Identification number). It is the above-mentioned financial institution 18 that manages the customer's savings and deposits, and enables mutual transactions within the network, and an electronic settlement network using the customer money card 1 is constructed.

Reference numeral 31 denotes an input operation unit for inputting settings such as various processing modes and the like, a personal identification number, a transaction amount, and the like, and comprises a plurality of push button switches as shown in the figure. A display unit 32 displays a transaction amount, a processing state, and the like, and is, for example, a liquid crystal display. 33 is I
A C card reader / writer, which is physically and electrically connected to the customer money card 1 inserted through a card insertion slot 33a (not shown) to read and write stored information, and is controlled by a control unit described later. You.

Reference numeral 34 denotes the input operation unit 31 and the display unit 3 described above.
2. A storage unit that stores a program for controlling the IC card reader / writer 33 and the like, and 35 is a control unit that controls the above units. Reference numeral 36 denotes a connection cord for electrically connecting the external connection unit 37 and the multi-function telephone 3b. The external connection unit 37 receives power supply from the power supply unit 38 when the external connection unit 37 is not connected to the multi-function telephone 3b. When connected to the multi-function telephone 3b, it is configured to receive power supply from the multi-function telephone 3b.

The power supply section 38 controls the drive of the IC card reader / writer 33 when the customer money card 1 is inserted in a state in which the contents stored in the storage section 34 are backed up or not connected to the multifunctional telephone 3b. It is also a power source for reading the balance information in 1 and displaying the information.
In the description of the present embodiment, four (money) bank money cards are shown in the figure, but the type is not limited to this, and the number of bank money cards is 1 to n depending on the number of payment mode types. It goes without saying that it has the same number of IC card reader / writers as the bank money card.

The software for reading and controlling the stored information from the bank money card 2 is a card array manager 1.
5 is stored in a not-shown ROM, floppy disk, CD-ROM, or the like. Software for selecting and reading and controlling the control software 13 in the control software storage unit 12 is a ROM, a floppy disk or a CD-ROM (not shown) provided in the transaction manager 10.
It is stored in a ROM or the like. Note that this software may be stored in a common file.

FIG. 4 is an explanatory diagram of the customer money card 1, which has a size conforming to the international standard, and conforms to the physical characteristics and electrical characteristics of the standard as well as the communication protocol.
Reference numeral 101 denotes a magnetic stripe on which identification data unique to a customer, such as an identification code of a card issuing mother, a customer name and an account number, are magnetically recorded.

Reference numeral 102 denotes an IC (integrated circuit) chip embedded at a predetermined position on the card base material, and signals are electrically transmitted and received through the terminal portion 104 exposed on the surface. Reference numeral 103 denotes a display area provided for printing an issuing mother code, a customer's name and account number, and stamping a convex character (emboss), similarly to the magnetic stripe 101.

This IC (integrated circuit) has a processing program for initial operation for performing transaction settlement, a storage circuit for storing data, a ROM 105 in which encryption software and encryption key information are written, a transaction content and reception information. (Random Access) that temporarily stores the control software 13
Memory) 106, and an EEPROM (Electror) which is a nonvolatile memory capable of electrically erasing and rewriting stored information.
A microprocessor (MPU) 108 for controlling reading and writing of each of these memories is integrally formed. Reference numeral 109 denotes a data bus.

Next, the storage data of the customer money card shown in FIG. 5 will be described as an example of the storage data when used for electronic transactions. However, the payment contents do not exemplify stored contents such as prepaid (prepayment), debit (immediate payment), and credit (postpayment).

First, reference numeral 20a shown in FIG. 2A denotes an issuing base code for identifying an issuing source of electronic money, and it is possible to identify a settlement form. Other ID (Identification)
There are data such as a number, an expiration date, and a customer name, which are almost the same as the information normally stored in the magnetic stripe 101.

Reference numeral 20b denotes a balance amount of electronic money stored in the IC chip 102 as electronic money (currency). When a payment operation is performed by a purchase transaction of an article, the balance amount 20b is reduced (updated). Will be. In the illustrated example, a plurality of pieces of balance information of “yen” and “dollar” are provided as balance amounts. This balance information is added to the filling transaction by adding desired electronic money from its own account established at a financial institution or the like via a settlement network circuit network or the like described later.

Reference numeral 20c denotes a password for identifying and confirming the customer, in which two types of passwords A and B are stored.
For example, it is allocated for electronic money transactions and a conventional cash card, or for user identification when used by a plurality of customers (family). Reference numeral 20d denotes a data area that can be stored for a transaction history, and electronically stores a date and time, a money amount, and the like when a product purchase transaction is performed.

Next, an example of data stored in the customer money card shown in FIG. The customer money card is issued by a different issuer from the customer money card shown in FIG. 7A, and 20e is the expiration date data of the card. In order to freeze (electronic money) and re-use it as unusable, it is required for security measures such as requesting a predetermined procedure, or the storage in the IC chip 102 is performed by extending the function of the settlement system or adding or changing a new function. This is provided in consideration of an opportunity to update data, the life of the EEPROM 107, and the like.

Reference numeral 20f denotes a transaction limit stored in the card as electronic money, which is defined as a predetermined amount as a credit line for a customer. This is for restricting transactions with an amount of 20f or more (refusing payment by electronic money).

Finally, an example of data stored in the customer money card shown in FIG. This customer money card 1 is issued by an issuing parent different from the above-mentioned customer money card, and 20 g is a money number, which electronically stores a denomination counted assuming the balance amount as bills or coins. It shows a money number for each type and an identification number given to each customer. When the transaction is performed, the money number and the money number are added and the coin moves.

20h is for each purchase of a product at a shopping street,
This is a service point given by the purchase price or the like, and is set as a service function by the issuing parent. Reference numeral 20i denotes a personal information memo, which is a service area in which information such as a driver's license, a passport number, an employee ID card, a resident card, and a common transportation card can be stored.

Using a customer terminal to charge a customer money card from a customer's savings account as electronic money (fund transfer)
This case will be described with reference to the flowcharts of the electronic transactions of the present invention shown in FIGS. S indicates each operation step. The customer prepares for the transaction, and the portable customer terminal 3a
And the multi-function telephone 3b are electrically connected by the connection cord 36. Then, the power supply from the power supply unit 38 is stopped and the portable customer terminal device 3a is switched to the power supply from the multi-function telephone 3b, and the control unit 35 initializes the input operation unit 31 and the display unit 32 into the storage unit 34. When the initial operation is completed successfully, "READY" is displayed on the display unit (S1).

When the customer inserts the customer money card 1 through the card insertion slot 33a (S2), the control unit 35 displays "Please input connection operation" on the display unit 32.
When the customer inputs a predetermined account ID (specific number for logging in to the host computer) from the customer terminal 3 (S3), a line connection with the money management center 6 is made via the communication line 5 (S4).

Note that in order to obtain an account, it is necessary to apply in advance and obtain permission, but a description thereof will be omitted. When the line is connected to the money management center 6, an instruction is displayed on the display unit 32 to select and input a transaction type from the transaction processing manager 10 (S5), and a message to the effect that the customer in question is refused service is displayed. Done.

Subsequently, the reading operation of the data stored in the customer money card 1 is started (S6). First, a voltage / clock is applied to the terminal unit 104 in a predetermined order, and the read storage data (for example, 20a) is transmitted to the transaction processing manager 10 by a predetermined communication protocol (S7).

The transaction processing manager 10 transmits predetermined check data to the customer terminal 3 and starts a mutual check. When the validity is confirmed by the mutual check operation, the storage data (for example, 20b to 20c) is further transmitted to the transaction processing manager 10, and the money management center 6 sends the stored data (20a
20c) (S9), the host computer 8 makes an inquiry with the customer information in the deposit ledger file 9a (S10), and when it is confirmed that the customer is a tradeable partner, a session is established (S11). .

When the session is established, the transaction processing manager 10 selects controllable control software 13 from the control software storage unit 12 based on the issuing base code (S12). The selected control software 13 is encrypted by the transaction processing manager 10 and transmitted to the customer terminal 3 (S13). Control software 13 sent
Is decrypted on the customer terminal 3 side and stored in the RAM 106. When the storage is completed, the MPU 108 notifies the transaction processing manager 10 via the customer terminal 3 of the completion of storage (S14). When the storage completion is received, a guidance display is made to input a predetermined number for specifying the transaction type.

When the customer instructs "withdrawal transaction" by the guidance display (S15), the money management center 6 guides the user to input a password, and when the customer inputs the password (S16), in step S7. The password is compared with the transmitted password (S17). When a number different from the password stored in the customer money card 1 is input in step S16, a screen "Re-enter the password" is displayed on the screen to prompt the user to input again (S18). If the password cannot be confirmed even after performing the re-entry a predetermined number of times, the system informs the user that the password is incorrect and cancels the transaction, disconnects the line connection with the host computer 8 and ends the transaction. (S19).

When the customer is determined by the password, the customer information such as transaction limit information and electronic money balance information from the deposit ledger file 9a in the storage device 9 is returned to the customer terminal 3 and displayed on the display unit 32 ( S20). When the customer inputs the withdrawal information based on the transaction limit information (maximum storage amount-current balance amount) stored in the customer money card 1 and the display of the electronic money balance information (S21), the MPU 10
At S8, it is compared whether or not the input amount information is within the transaction limit (S22), and if it is within the transaction limit, the balance information after addition or subtraction by this transaction is temporarily stored in the RAM 106 ( S23). If the transaction amount is equal to or more than the transaction limit in step S22, the maximum transaction amount is displayed, and the customer is requested to input a correction and confirm the operation.

When the transaction processing manager 10 notifies the card array manager 15 that the storage in the RAM 106 has been completed, the card array manager 15 sends the electronic money of the bank money card 2 whose settlement form matches the selected control software 13. The balance is reduced and updated (S24).

When the update of the balance information of the bank money card 2 is completed, a withdrawal completion notice is issued from the card array manager 15 via the transaction processing manager 10, and the MPU is updated.
Reference numeral 108 denotes EEP for the balance information stored in the RAM 106.
Update as electronic money balance data in the ROM (S2
5). Further, the transaction history storage area 2 of the customer money card 1
The transaction number, transaction date and time, and transaction amount information are stored in 0d (S26).

When the update of the balance information of the customer money card 1 and the storage of the transaction history are completed, the transaction is compared with the transaction information stored in the RAM 106, and it is confirmed that there is no error in the stored transaction information. And the transaction completion is displayed on display 3
2 is displayed (S27).

At this point, the line connection between the customer terminal 3 and the host device 8 such as the money management center 6 and the host computer 8 is disconnected (S28). When the customer removes the customer money card 1 while seeing this display, this is detected (S2).
9), the transaction information and the control software 13 in the RAM 106 are deleted (S30).

In the final settlement, the financial institution controls the money management center 6 so that the electronic money balance information in the deposit ledger file 9a of the account opened by the customer is obtained from the transaction information in the card safe 14. The payment is completed after being updated (subtracted). This settlement may be performed in real time or may be performed at a later date.

Further, the transaction form of the customer money card 1 inserted in the customer terminal 3 is identified, and control software matching the transaction form is selected. This selection control is performed by the transaction processing manager 10, The result is stored in the transaction log counter 11 as a transaction record. In the above description, only the display on the display unit 33 is described. However, it is needless to say that the operation guidance can be performed by voice from the multifunctional telephone 3a.

Although the customer money card 1 has been described as an IC card and an electrical contact type card with the terminal portion 104, the present invention is not limited to this, and a contact type IC card resistant to dust, dust, dew condensation, fat, etc. may be used. It is feasible. The mutual communication between the host computer 8 and the customer terminal 3 is encrypted and decrypted, but the description is partially omitted.

[0048]

The present invention described above has the following effects. The customer does not have to search for a financial institution branch where the issuing mother's customer money card can be used, and in some cases does not need to visit a remote branch, and can conduct transactions without being aware of the transaction form, which is convenient for customers. Good nature. Furthermore, since control software for conducting electronic transactions is not stored in the customer's money card, unauthorized modification of the control software can be prevented, and excessive funds will be invested in upgrading the control software. This electronic trading system can be realized without the need.

[Brief description of the drawings]

FIG. 1 is a diagram of an electronic transaction system according to the present invention.

FIG. 2 is an external view of a portable customer terminal of the present invention.

FIG. 3 is a control block diagram of the portable customer terminal of the present invention.

FIG. 4 is an explanatory diagram of a customer money card of the present invention.

FIG. 5 is a conceptual diagram of data stored in a customer money card according to the present invention.

FIG. 6 is a flowchart of an electronic transaction of the present invention.

FIG. 7 is a flowchart of an electronic transaction of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer money card 2 Bank money card 3 Customer terminal 3a Portable customer terminal 3b Multifunctional telephone 4 Personal computer (PC) 6 Money management center 8 Host computer 9a Deposit ledger file 10 Transaction processing manager 13 Control software 14 Card safe 15 Card array manager 31 Input operation unit 32 Display unit 34 Storage unit

Claims (5)

[Claims] 1. An electronic transaction system in which financial information having a monetary value is stored in a card-shaped storage medium and an electronic transaction is performed by updating the fund information, wherein the card-shaped storage medium is a predetermined one. A customer money card storing the fund information based on a settlement form, a customer terminal capable of reading and writing the fund information stored from the attached customer money card, and a customer holding the customer money card A high-level device for storing and managing the fund information, connecting the customer terminal with the high-level device via a line, and attaching the customer terminal to the customer terminal when conducting a transaction of the fund information stored in the customer money card. By identifying the payment mode of the customer money card that has been set, and transmitting control software corresponding to the payment mode from the higher-level device to the customer terminal. Electronic trading systems and performing already been processed. 2. The electronic transaction system according to claim 1, wherein the higher-level device is provided with a plurality of bank money cards each corresponding to a plurality of settlement modes and storing respective fund information, and is adapted to the settlement mode. An electronic transaction system for performing transactions with the customer money card using control software. 3. The electronic transaction system according to claim 1, wherein the control software transmitted from the higher-level device to the customer terminal is temporarily stored in a customer money card, and the control software moves the fund information after the transfer. , An electronic transaction system for erasing the control software and ending the transaction. 4. The electronic transaction system according to claim 2, wherein said control software is stored in an independent storage medium for each settlement mode. 5. The electronic transaction system according to claim 2, wherein the customer money card stores an issuing base code as settlement type identification information, and has control software for each issuing base.