Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1992-07-22
1994-11-22
Willis, Davis L.
Registers
Systems controlled by data bearing records
Credit or identification card systems
235379, 902 40, G06F 1530
Patent
active
053671503
DESCRIPTION:
BRIEF SUMMARY
TECHNICAL FIELD
The present invention relates to a data processing system using an IC card, and more particularly, to a data processing system in which the IC card is mounted to a terminal connected to a center computer in a financial institution via a communication line and in which data processing is performed.
BACKGROUND ART
Many computer terminals, which are installed in a financial institution, e.g., a bank for business use, are connected to a center computer via private lines. Conventionally, data processing such as payment, transfer, withdrawal of deposit, or deposit is performed by utilizing data communication between the center computer and each terminal.
In this case, each terminal, which is installed at a business department of the financial institution, is operated by employees, and a so-called general purpose personal computer is generally used as the terminal.
Recently, a data processing system has been proposed and developed, in which a customer directly operates a terminal by way of an IC card, which the customer owns, from the home or in a financial institution, and in which data processing such as payment, transfer, deposit, automatic withdrawal of the deposit, or check of the balance of accounts is performed by a computer.
In the above case, if the terminal, which is installed at the home or in the financial institution, is such a general purpose personal computer as described above, anybody can access data. Therefore, there can be the great possibility that the data is damaged or the important data is read out and fraudulently used.
For the above reason, it can be considered that a dedicated terminal be provided. In such case, however, there is a problem in that the number of dedicated terminals connected to a center computer becomes greater than in a conventional system.
In order to cope with the increase in the number of dedicated terminals connected to the center computer, the center computer having a large processing capability which can correspond to the many dedicated terminals may be introduced. However, there is a problem in that great cost is required and a conventional computer system must be wasted. In addition, it has been considered that an intermediate apparatus for processing data from the many terminals be provided. However, there is a problem in that the data processing system becomes complicated.
DISCLOSURE OF INVENTION
The present invention is made in order to overcome the problems in the above conventional technique. An object of the present invention is to provide a data processing system using an IC card, by which the load of a center computer can be decreased.
Another object of the present invention is to provide a data processing system using an IC card, in which security of data can be increased.
A terminal, itself, performs the same data processing that a center computer conventionally performs, when a user inserts an IC card into the terminal, and then transmits the processing results to the center computer. Therefore, the load of the center computer for the data processing can be decreased.
As a result, many terminals can be connected to the center computer to perform the data processing. Also, the data processing system can be configured such that a storage medium such as a memory card can be mounted to the terminal, and that programs for the data processing performed by the terminal in place of the center computer can be stored in the storage medium. With such a configuration, each time that data processing is performed, the programs required for the data processing can be selected from among the programs stored in the storage medium and loaded into the terminal. Therefore, even a terminal having a small capability for home use can perform the data processing.
In addition, a part of information to be stored in the IC card may be stored in an internal memory of the terminal or the storage medium. In such a case, the data processing system can be configured such that data communication with the center computer can be performed only when the terminal, t
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Kitta Kenichi
Mimura Mitsuo
Nakamura Naotake
Ochiai Makoto
Okada Kunihiro
Hitachi Maxell Ltd.
Sikorski Edward
Willis Davis L.
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