IC card and financial transaction processing system using IC card

US4709137A · kind A · utility

Assignee

• Omron Tateisi Electronics · JP

Inventor

• Shinya Yoshida · Tokyo, JP

Key dates

• Filing date: Apr 11, 1985
• Grant date: Nov 24, 1987
• Expiry date: Apr 11, 2005

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3552
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An IC card (6) comprises a read only memory (ROM) (2) in which data specifying a financial body and a stored program for processing procedures are stored, a writable and readable random access memory (RAM) (3), and a central processing unit (CPU) (1) for writing or reading out the data and/or program. When, in a transaction processing, a customer inserts his IC card (6) into a terminal (16), the terminal (16) first reads out the financial body specifying data from the ROM 2. If the data as read out is correct, the terminal (16) further generates a signal indicating that the required transaction is possible and provides the signal to the CPU 1 in the IC card, where the stored program for processing procedures is read out from the ROM 2. A transaction is performed in accordance with the read program. If and when no stored program is stored in the ROM 2, the terminal (16) indicates an impossible transaction through a CRT (19) to inform a customer of the fact. The ROM (2) may store a plurality of stored programs for transaction processing procedures, in which case a customer has to select a desired program through an operation of a keyboard (20) in the terminal (16). If and when a vers…