IC card and financial transaction processing system using IC card
First Claim
1. An integrated circuit card comprising:
- data storage means including a first storage area for storing data specifying a financial institution and a second storage area for storing at least one program for execution by a terminal with which said card is used, said program being for transaction processing procedures executable by said terminal; and
means for reading out the storage contents stored in said data storage means.
1 Assignment
0 Petitions
Accused Products
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 version number of the read stored program does not coincide with a version number of the terminal (16), the program is executed after the version number of the read stored program is renewed.
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Citations
7 Claims
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1. An integrated circuit card comprising:
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data storage means including a first storage area for storing data specifying a financial institution and a second storage area for storing at least one program for execution by a terminal with which said card is used, said program being for transaction processing procedures executable by said terminal; and means for reading out the storage contents stored in said data storage means.
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2. A financial transaction processing system comprising:
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an integrated circuit card for use in financial transaction processing, said integrated circuit card including first data storage means having a first storage area for storing data specifying a financial institution and a second storage area for storing at least one program for execution by a terminal with which said card is used, said program being for transaction processing procedures executable by said terminal, and reading means for reading out the storage contents stored in said data storage means; and a terminal for communicating with said integrated circuit card, said terminal including means responsive to receipt of said financial institution specifying data read out from said first storage means for determining whether said financial institution specifying data coincides with the data specifying a financial institution to which said terminal belongs and for generating, upon coincidence, a signal indicating that a requested transaction is possible, said reading means of said integrated circuit card being responsive to said possible transaction indicating signal for reading out said program for transaction processing procedures from said second storage area and sending it to said terminal. - View Dependent Claims (3, 4, 5, 6, 7)
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Specification