JP2001297287A - Clearance card system and clearance method of clearance card system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To securely authenticate whether or not a user is a regular user by adding information of the user when a credit card and various prepaid cards are obtained. SOLUTION: When a clearing card is issued, an applicant 11 inserts the card 13 into a card issuing machine 14 and presses an arbitrary finger against a specific place of a the card issuing machine 14. A fingerprint read part 16 reads fingerprint data of the applicant 11 out and registers the fingerprint data on the card 13 together with various card information. When a clearing card 18 is used, a user 17 inserts the clearance card 18 into a credit matching terminal 19 and bring the finger registered on the clearing card 18 into contact with a fingerprint depression part of the terminal 19. The fingerprint read parts 16' reads a fingerprint of the user 17 out and compares the read fingerprint with the fingerprint data registered on the clearance card 18; when both the fingerprints match to each other, the user 17 is authenticated as the applicant 11 oneself and the terminal 19 performs processing complying with the use of the clearing card 18.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a payment card system for a payment card such as a credit card or various prepaid cards, and more particularly to a user authentication system for a payment card system.

[0002]

2. Description of the Related Art In recent years, in addition to cash settlement, payment settlement methods using credit cards have been widely used as payment settlements such as purchase and sale prices of goods, food and drink charges, and service use charges. In these payment methods using a credit card, the signature on the credit card is compared with the signature on a piece of paper when the individual uses the credit card, and the identity of the individual is confirmed. In general, a credit inquiry communication terminal device is used to confirm a password and prevent unauthorized use. That is,
Such a credit inquiry communication terminal device is connected to a payment settlement institution via a communication line to check for the presence of an accident, check the credit limit, and perform payment. Recently, various types of telephone cards, highway cards, and prepaid cards such as pachinko cards have been used for settlement of payments (for example, settlement of usage fees) because of their high convenience.

[0003]

However, in the checking method using the signature of the credit card, it is not always possible to perform accurate checking due to the influence of the posture at the time of signing by the user. That is, since whether or not the character signed at the settlement site is the same as the signature written on the credit card is determined based on the subjectivity of the person who performs the confirmation, accurate handwriting confirmation may not be performed in some cases. Also, since the various prepaid cards described above focus on the convenience of using them, there are few means for easily confirming the identity of the card, and if the card is lost, the acquired It can be used by a third party and cannot be reissued. Also,
Even if a bona fide third party obtains and returns it to the lost, it cannot be returned from these prepaid cards because the lost cannot be identified.

[0004] The present invention has been made in view of such circumstances, and a purpose thereof is to add a user's information at the time of obtaining a credit card or various prepaid cards so that the user can use the card properly at the time of use. An object of the present invention is to make it possible to reliably and easily authenticate whether a user is a user.

[0005]

In order to solve the above-mentioned problems, a settlement card system according to the first aspect of the present invention comprises a settlement card used for settlement of consideration for providing a beneficiary and a card recorded on the settlement card. A payment terminal that executes payment settlement corresponding to beneficiary provision based on the received information,
In a payment card system in which a payment terminal authenticates the validity of a payment card to be used and executes payment, fingerprint information of a payment card applicant is registered in advance in the payment card. When the payment terminal uses the payment card, the payment terminal compares and matches the fingerprint information of the payment card user with the fingerprint information registered on the payment card to be used, and the fingerprint information of both is used when they match. When the validity of the payment card is authenticated, the payment is executed. In other words, the payment card system of the present invention is characterized in that, when a credit card or various prepaid cards are used, fingerprint authentication is used in order to reliably authenticate whether or not the user is a valid user.

A settlement card system according to a second aspect of the present invention includes a card issuing machine for issuing a settlement card according to the first aspect of the present invention, and the card issuing machine transmits fingerprint information obtained from a settlement card applicant. Applicant fingerprint reading means to be read, fingerprint information writing means for writing fingerprint information read by the applicant fingerprint reading means on a payment card to be used by the payment card applicant, and payment in which the fingerprint information of the payment card applicant is registered Payment card issuing means for issuing a card, wherein the payment terminal reads the fingerprint information obtained from the payment card user, user fingerprint reading means, and fingerprint information registered in the payment card to be used. The fingerprint information comparison and collation means for comparing and collating the fingerprint information read by the user fingerprint reading means with the fingerprint information collated and matched by the fingerprint information comparison and collation means , Characterized in that it has a payment means for performing a payment relating to payment cards used.

[0007] A payment card system according to a third aspect of the present invention is the invention according to the first aspect, further comprising a card issuing machine that issues a payment card, and a host device that supervises the card issuing machine as a higher-level device. Applicant fingerprint reading means for reading fingerprint information obtained from the payment card applicant, fingerprint information writing means for writing the fingerprint information read by the applicant fingerprint reading means to the payment card to be used by the payment card applicant A fingerprint information transmitting means for transmitting fingerprint information read by the applicant fingerprint reading means to the host device, and a payment card issuing means for issuing a payment card in which the fingerprint information of the payment card applicant is registered; A fingerprint information storage means for storing the fingerprint information of the payment card applicant received from the card issuing machine, and a fingerprint information storage means in response to a request from the payment terminal. Fingerprint information notification means for notifying the payment terminal of the payment card applicant's fingerprint information stored in the payment terminal, further comprising: a user fingerprint reading means for reading the fingerprint information obtained from the payment card user by the payment terminal; A fingerprint information comparison / comparison means for comparing and collating the fingerprint information registered in the payment card to be used with the fingerprint information read by the user fingerprint reading means with the fingerprint information received from the host device; And a payment means for executing payment for a payment card to be used when all of the compared and matched fingerprint information matches.

[0008] A settlement card system according to claim 4 is the invention according to any one of claims 1 to 3, wherein the settlement card is a credit card.

According to a fifth aspect of the present invention, there is provided a settlement card system according to the first aspect, wherein the settlement card is a prepaid card, and the card issuing machine for issuing the prepaid card and the card issuing machine as a higher-level device are controlled. A card issuing machine for reading fingerprint information obtained from a prepaid card purchaser, and fingerprint information read by the purchaser fingerprint reading means.
Fingerprint information writing means for writing the prepaid card to be purchased by the prepaid card applicant, fingerprint information transmitting means for transmitting the fingerprint information read by the buyer fingerprint reading means to the host device, and A prepaid card issuance unit for issuing a prepaid card in which the corresponding amount information is recorded and the fingerprint information of the prepaid card purchaser is registered;
A fingerprint information storage means for storing the fingerprint information of the prepaid card purchaser received from the card issuing machine; and in response to a request from the payment terminal, the fingerprint information of the prepaid card purchaser stored in the fingerprint information storage means for the payment terminal. Fingerprint information notifying means for notifying the user of the payment, the settlement terminal reads the fingerprint information obtained from the user of the prepaid card user fingerprint reading means, and the fingerprint information registered in the prepaid card used The fingerprint information comparison / comparison means for comparing and collating the fingerprint information read by the fingerprint reader with the fingerprint information received from the host device is used when all the fingerprint information compared and collated by the fingerprint information comparison / comparison means match. Profit providing means for providing a profit on the prepaid card and offsetting the amount information described on the prepaid card. And wherein the door.

According to a sixth aspect of the present invention, there is provided a settlement method using a settlement card system, wherein the settlement card used for settlement of consideration for the provision of the benefit and the provision of the benefit based on the information recorded on the settlement card. A payment terminal for executing a corresponding payment, wherein the payment terminal authenticates the validity of the payment card used and performs the payment, and Through a process of registering the fingerprint information and a process of issuing a payment card in which the fingerprint information of the payment card applicant is registered, a process in which the payment terminal reads the fingerprint information obtained from the payment card user is used. The process of comparing and matching the fingerprint information registered in the payment card with the read fingerprint information, and used when the compared and matched fingerprint information matches. A settlement process according to payment card system and carrying out payment by the course of performing the payment relating to already card.

[0011] Furthermore, the invention according to claim 7 is also a settlement method using a settlement card system, and corresponds to a settlement card used for settlement of consideration for the provision of a benefit and provision of a benefit based on information recorded on the payment card. A payment terminal for executing payment for the payment card, wherein the payment terminal authenticates the validity of the payment card used and executes payment for payment. Registering the information, registering the payment card applicant's fingerprint information with the host device that supervises the card issuing machine as a higher-level device, and issuing the payment card in which the payment card applicant's fingerprint information is registered After that, the payment terminal reads the fingerprint information obtained from the payment card user, and obtains the payment card applicant's fingerprint information from the host device. The method comprising the steps of comparing and collating a fingerprint information received from the fingerprint information and the host device read the fingerprint information registered in the settlement card used,
And performing a payment for a payment card to be used when all the fingerprint information items that have been compared and matched with each other are used for payment.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Some embodiments of the payment card system according to the present invention will be described below with reference to the drawings. In the following description, when a credit card or a prepaid card applied to the payment card system of the present invention is commonly referred to as a payment card, a raw card before being registered as a payment card is simply referred to as a payment card. , I'll call it a card.

First, the flow of application of the payment card system of the present invention to various general cards will be schematically described. That is, when a payment card is to be issued, a fingerprint capture unit provided on the card is connected to the card issuing machine for communication, and the card user's fingerprint data is stored in various card information such as ID information, a password number and amount information. Register with this card along with other information. Next, when using the payment card, the user inserts the payment card into various terminals to which the function of the personal identification device is connected, and inserts the payment card into the fingerprint pressing section provided in these terminals. Touch a registered fingerprint finger. As a result, the fingerprint data registered in the payment card and the fingerprint pressed on the terminal are compared and collated in the terminal unit, and whether or not the person who intends to use the payment card is a valid owner of the payment card. Authenticate. And
If the terminal is authenticated as a valid payment card holder, the terminal performs processing according to the use of the payment card, such as payment of money, sale of goods, and provision of services. In this way, the identity is confirmed using a fingerprint instead of the conventional signature, and compared with the fingerprint information of the host device that manages various terminals, the fingerprint information registered in the payment card can be rewritten illegally. Correspondingly, the identity of the payment card user can be confirmed at a higher level.

As for the fingerprint authentication technology, for example, Japanese Patent Application Laid-Open No. H11-019069 discloses a fingerprint recognition integrated circuit which constitutes a minute fingerprint recognition system on an LSI chip. The fingerprint authentication system according to this publication includes a plurality of sensor circuits for converting unevenness due to a fingerprint into an electric signal, and contacting a finger to detect a fingerprint of the finger as an electric signal. A fingerprint integrated circuit (i.e., a fingerprint authentication chip) comprising: a fingerprint storage unit storing the fingerprint data; an electric signal circuit sent from the sensor unit; and a fingerprint recognition unit for comparing fingerprint data in the fingerprint storage unit. It is installed in.

Therefore, according to the present invention, the fingerprint authentication chip using the above-described integrated circuit is used in a fingerprint reading section of various card issuing machines, and when issuing various cards, fingerprint information of a user is obtained. The fingerprint information of the user is written into the memory section of each card along with necessary card information such as ID information, a password number and amount information. When a payment card is used, the fingerprint reader is inserted into various terminals using the payment card (for example, a credit reference terminal, a public telephone, a pachinko machine, etc.), and includes a fingerprint authentication chip connected to the various terminals. Then, the user can be confirmed by pressing a finger registered in the payment card, and various processes such as full payment by credit card, use of a public telephone, and start of pachinko game can be performed. Furthermore, when issuing various cards, by registering the fingerprint information in the host device as a higher-level device, it is possible to cope with falsification of the fingerprint information in the various cards, and to perform a higher-level identity verification. be able to. Further, in the payment card system and method described in the embodiments of the present invention, whether the fingerprint reading unit is a fingerprint reading unit connected to various terminals or the above-described fingerprint authentication chip mounted on various cards is used. Considering the convenience of the user who uses the card, it can be appropriately selected and performed, and it is similarly determined whether the fingerprint of the card user and the fingerprint registered in the card are to be collated with various terminals or with the card. It can be selected and accomplished as appropriate.

FIG. 1 is a flowchart showing the flow of the payment card system according to the first embodiment of the present invention. In other words, this figure shows an example of application to a credit card, in which a new credit card is created based on the items described in the application form, the fingerprint information in the credit card and the user of the credit card are used. 5 shows a flow of an operation for performing a credit card settlement process by comparing a fingerprint read from a. Therefore, the flow of the payment card system according to the first embodiment will be described with reference to FIG.

First, at the time of card application, a card applicant (hereinafter simply referred to as “applicant”) 1 fills in a card application form with a transfer account, a personal identification number, and, if necessary, user information and the like. The certificate is sent to the card company 2 (step S1). In addition, the sending method is mail or FAX
There are various methods, such as email and e-mail transmission, and any of these methods may be used. Next, the card company 2 performs a predetermined check on the card application sent from the applicant 1, and then places a new card on the new card together with the transfer account, PIN, user information, and the like described in the application. Then, necessary information such as a card ID, which is an ID number for the card company to identify the card, is recorded in the memory area by, for example, magnetism. Further, a function of reading fingerprint information is added to the memory area of the card. Then, the card in which the necessary information as described above is recorded in the memory area is mailed to the applicant 1 (step S2).

Next, a description will be given of a card activation process by which the applicant 1 converts the card 3 received from the card company 2 into a payment card that can be used for payment. First, the applicant 1 inserts a card (ie, a credit card with a function of reading fingerprint information) 3 received from a card company 2 into a card issuing machine 4 of, for example, an ATM image.
(Step S3). Further, when the applicant 1 presses an arbitrary finger on the fingerprint pressing unit of the card issuing machine 4, the fingerprint reading unit 6 including the fingerprint authentication chip reads the fingerprint pressed by the applicant 1 (step S4). Next, when the applicant 1 inputs a pre-registered password into the card issuing machine 4, the card issuing machine 4 sends the card company host device 5
A password request is transmitted to (step S5).

Then, the card company host device 5 transmits a password registered in advance corresponding to the inserted card to the card issuing machine 4 based on the received password request (step S6). Next, the card issuing machine 4
The personal identification number input by the applicant 1 is compared with the personal identification number received from the card company host device 5. It should be noted that the card company host device 5 transmits the password entered by the applicant and
The password is compared with a pre-registered password, and if the password is valid, the pre-registered password is transmitted to the card issuing machine 4. If the password is invalid, abnormal information is transmitted to the card issuing machine 4. It may be.

If the collation result of the personal identification number is valid, the card issuing machine 4 writes the fingerprint information of the applicant 1 read by the fingerprint reading unit 6 into the memory unit of the inserted card 3, and Register. Thereby, the inserted card 3 is activated to a payment card (that is, a credit card) that can be used for payment. Further, the card issuing machine 4 reports to the card company host device 5 that the credit card has been issued based on the information recorded in the memory unit of the credit card (step S).
7).

FIG. 6 shows an example of information recorded in the memory unit of the credit card with a fingerprint function issued by the card issuing machine of FIG. That is, in the memory portion of the credit card 41 with a fingerprint function, a card ID 42 which is an ID number for the card company 2 to identify the card is provided.
Fingerprint information 46 registered by the applicant 1 is recorded along with various information such as a transfer account number 43, a password number 44, and user information 45 such as gender and age to be recorded as necessary. All information is collected.

Returning to the flowchart of FIG. 1, the flow of processing when an activated payment card, that is, a credit card with a fingerprint function is used will be described. When a payment card user (hereinafter, simply referred to as a user) 7 inserts a credit card with a fingerprint function (that is, a payment card) 8 into the credit reference terminal 9 (step S8), the credit reference terminal 9 Is instructed to press a finger. Thus, when the user 7 presses a pre-registered finger on the fingerprint pressing unit of the credit reference terminal 9, the fingerprint reading unit 6 'equipped with the fingerprint authentication chip reads the fingerprint pressed by the user 7 (step S1). S9). Then, the credit reference terminal 9 compares and compares the fingerprint information recorded on the inserted payment card 8 with the fingerprint read by the fingerprint reading unit 6 ′, and the user 7 of the payment card 8 makes one applicant. Check if it is.

Here, if the fingerprint collations are the same, the user 7 of the payment card 8 is the single applicant, and the credit reference terminal 9 sends the payment card 10 to the payment settlement system 10 A check is made to confirm the presence or absence of an accident relating to No. 8 and to check the credit limit (step S10). Further, the payment system 10 similarly inquires of the card company host device 5 whether there is an accident regarding the inserted payment card 8 and whether the credit limit is to be confirmed (step S1).
1). Then, upon receiving the confirmation result of the validity from the card company host device 5 (step S12), the payment system 10 transmits the confirmation result to the credit inquiry terminal 9 (step S13). In this manner, when it is confirmed that the user 7 of the payment card 8 is the single applicant, the credit reference terminal 9 performs the payment with the inserted credit card (that is, the payment card 8). The settlement system 10 is notified of the settlement process (step S14), and the settlement system 10 notifies the card company host device 5 of the settlement process (step S15).

Next, the flow of the payment card system according to the second embodiment of the present invention will be described. FIG.
It is a flowchart which shows the flow of the payment card system in the 2nd Embodiment of this invention. That is, this figure shows an example of application to a credit card. Using a credit card issued by a card issuing machine in which a fingerprint capture device is incorporated, fingerprint information in the credit card and this credit card are used. 5 shows a flow of an operation of performing a credit card payment process by comparing a fingerprint read from a user. Therefore, the flow of the card system according to the second embodiment will be described with reference to FIG.

In the first embodiment shown in FIG. 1, the case where the applicant activates the card obtained based on the card application form to make a payment card and uses this payment card has been described. In the second embodiment shown, the applicant inputs the fingerprint information and other necessary information to the card issuing machine in which the fingerprint capturing device is incorporated, acquires the issued payment card, and The case of use will be described.

First, when the applicant 11 intends to receive issuance of a credit card, the applicant 13 inserts the card 13 into the card issuing machine 14 in which the fingerprint capture device is incorporated (step S).
21). Further, when the applicant 11 presses an arbitrary finger on the fingerprint pressing unit of the card issuing machine 14, the fingerprint pressed by the applicant 11 is read by the fingerprint reading unit 16 including the fingerprint authentication chip (step S22). When these application procedure operations are completed, a card issuance request is transmitted from the card issuing machine 14 to the card company host device 15 (step S23). Then, the card company host device 1
5 notifies the card issuing machine 14 of the card number and various information necessary for settlement based on the received card issuance request (step S24).

Next, the card issuing machine 14 writes the fingerprint information of the applicant 11 read by the fingerprint reading section 16 in the memory section of the inserted card 13 and performs fingerprint registration.
The card number and other necessary information received from the card company host device 15 are written in this memory unit. As a result, a payment card (that is, a credit card) that can be used for payment is issued. Further, the card issuing machine 14 notifies the card company host device 1 that the credit card has been issued based on the information recorded in the memory unit.
5 (step S25). In this manner, the applicant 11 obtains a credit card in which his / her fingerprint data, card number, information necessary for settlement, and the like are recorded.

Next, the flow of processing when a user uses a credit card with a fingerprint function will be described. User 1
7 inserts the credit card with the fingerprint function, that is, the payment card 18 into the credit inquiry terminal 19 (step S26), the credit inquiry terminal 19 instructs the user 17 to press a finger. I do. As a result, when the user 17 presses a previously registered finger,
The fingerprint reading unit 16 'provided with the fingerprint authentication chip
The fingerprint pressed by No. 7 is read (step S27). Then, the credit reference terminal 19 compares and compares the fingerprint information recorded on the inserted payment card 18 with the fingerprint read by the fingerprint reading unit 16 ′, and the user 17 of the payment card 18
It is confirmed whether or not is the applicant 11 himself.

If the fingerprint information matches, the user 17 of the payment card 18 is the applicant 11 and the credit reference terminal 19 sends the payment card 20 to the payment settlement system 20. A check is made to confirm the presence or absence of an accident relating to No. 18 and to check the credit limit (step S28).
Further, the payment system 20 similarly inquires of the card company host device 15 whether there is an accident with respect to the inserted payment card 18 or a check of the credit limit (step S29). And the payment system 20
Receives the confirmation result of the validity from the card company host device 15 (step S30), transmits the confirmation result to the effect to the credit inquiry terminal 19 (step S31).
In this way, when it is confirmed that the user 17 of the payment card 18 is the applicant 11, the credit reference terminal 1
9 performs the payment by the inserted credit card (that is, the payment card 18), notifies the payment processing to the payment system 20 (step S32), and furthermore, the payment system 20 sends the card company host device 15 (Step S3)
3).

As described above, when using the credit card, the user of the credit card inserts the credit card into the credit reference terminal provided with the function of the personal identification device and is provided on the credit reference terminal. The finger of the registered fingerprint is brought into contact with the fingerprint pressing section. This allows
The fingerprint information taken into the credit card and the pressed fingerprint are compared and collated, and whether or not the person who intends to use the credit card is the owner of the credit card is authenticated. Therefore, the card member store can surely confirm the identity and settle the price.

Next, the flow of the card system according to the third embodiment of the present invention will be described. FIG. 3 is a flowchart showing the flow of a card system according to the third embodiment of the present invention. This embodiment shows an example of application to a credit card, and the second embodiment shown in FIG. The system in which the confirmation of the person is further strengthened is shown for the embodiment. Hereinafter, the flow of the card system according to the third embodiment of the present invention will be described with reference to FIG. First, when the applicant 11 intends to receive issuance of a credit card, the applicant 13 inserts the card 13 into the card issuing machine 14 in which the fingerprint capturing device is incorporated (step S).
41). Further, when the applicant 11 presses an arbitrary finger on the fingerprint pressing unit of the card issuing machine 14, the fingerprint pressed by the applicant 1 is read by the fingerprint reading unit 16 including the fingerprint authentication chip (step S42).

When the operation of the application procedure is completed, a card issuing request and the fingerprint information of the applicant 11 read by the fingerprint reading unit 16 are transmitted from the card issuing machine 14 to the card company host device 15 ( Step S4
3). Then, based on the received card issuance request, the card company host device 15 stores the received fingerprint information together with the card number in its own database 15a. Further, the card company host device 15 notifies the card issuing machine 14 of the card number and various information necessary for settlement (step S44).

Next, the card issuing machine 14 writes the fingerprint information of the applicant 11 read by the fingerprint reading section 6 into the memory section of the inserted card 13 to perform fingerprint registration.
The card number and other necessary information received from the card company host device 15 are written in this memory unit. As a result, a payment card (that is, a credit card) that can be used for payment is issued. Further, the card issuing machine 14 notifies the card company host device 1 that the credit card has been issued based on the information recorded in the memory unit.
5 (step S45). In this manner, the applicant 11 obtains a credit card in which his / her fingerprint data, card number, information necessary for settlement, and the like are recorded.

Next, the flow of processing when a user uses a credit card with a fingerprint function will be described. User 1
7 inserts the credit card with the fingerprint function, that is, the payment card 18, into the credit inquiry terminal 19 (step S46), and the credit inquiry terminal 19 instructs the user 17 to press a finger. I do. As a result, when the user 17 presses a previously registered finger,
The fingerprint reading unit 16 'provided with the fingerprint authentication chip
The fingerprint pressed by No. 7 is read (step S47). Further, the credit inquiry terminal 19 inquires of the payment settlement system 20 whether there is an accident with respect to the inserted settlement card 18 or a confirmation of a credit limit (step S48).
Then, the payment system 20 inquires of the card company host device 15 whether there is an accident with the inserted payment card 18 or whether the credit limit is to be confirmed.
An instruction is issued to transmit the fingerprint information registered in the payment card 18 (step S49).

Then, the card company host device 15 acquires the fingerprint information registered in the settlement card 18 from its own database 15a, and uses the acquired fingerprint information together with the result of confirming the presence or absence of an accident and the credit limit together with the payment settlement system. 20
(Step S50). Further, the payment system 20 transmits the received confirmation result and the fingerprint information to the credit inquiry terminal 19 (step S51). Then, the credit reference terminal 19 compares and compares the fingerprint information recorded on the inserted payment card 18 with the fingerprint read by the fingerprint reading unit 16 ′ and the fingerprint information received from the card company host device 15, User 17 of payment card 18 is applicant 1
Check if you are alone.

Here, if the fingerprint information of the three parties matches, the user 17 of the payment card 18 is the applicant 11, and the credit reference terminal 19 sets the inserted credit card (that is, the payment card 18). Payment by
This payment processing is notified to the payment system 20 (step S52), and the payment system 20 notifies the card company host device 15 of the payment processing (step S53).

That is, the third embodiment shown in FIG. 3 uses a credit card issued by a card issuing machine in which a fingerprint capturing device is incorporated, and uses the fingerprint information in the credit card and the use of this card. By comparing the fingerprint read from the user with the fingerprint information stored in the card company host device, the personal authentication is further ensured, and the credit card is settled. Therefore, according to this embodiment, when issuing various cards, by registering the fingerprint information in the card company host device, it is possible to cope with falsification of the fingerprint information in the various cards. You can confirm your identity.

Next, the flow of the payment card system according to the fourth embodiment of the present invention will be described. This embodiment shows an example applied to various prepaid cards. That is, FIG. 4 is a flowchart showing the flow of a payment card system when applied to a telephone card as a fourth embodiment of the present invention. FIG. 5 shows a fourth embodiment of the present invention.
It is a flowchart which shows the flow of the payment card system when applied to a pachinko card. Since the flow of the payment card system is exactly the same as the prepaid card in both the case of the telephone card and the case of the pachinko card, the flow of the payment card system using the telephone card in FIG. 4 will be described here. Therefore, in the case of the pachinko card shown in FIG. 5, the telephone card may be read as a pachinko card, and a description thereof will be omitted.

First, when the purchaser 21 intends to receive a telephone card, the purchaser 21 inserts a predetermined amount of money into the card issuing machine 24 in which the fingerprint capturing device is incorporated, and presses the fingerprint of the card issuing machine 24. Press any finger on the part. Then, the fingerprint information pressed by the purchaser 21 is read by the fingerprint reading unit 26 including the fingerprint authentication chip (step S61). Then, the card issuing request and the fingerprint information of the purchaser 21 read by the fingerprint reading unit 26 are transmitted from the card issuing machine 24 to the telephone card host device 25 (step S62). Then, the telephone card host device 25 stores the received fingerprint information together with the card number in its own database 25a based on the received card issuance request. Further, the telephone card host device 25 notifies the card issuer 24 of the card number and various information necessary for settlement (step S63).

Next, the card issuing machine 24 stores the purchaser 2 read by the fingerprint reading section 26 in the memory section of the telephone card.
In addition to writing the fingerprint information of No. 1 and performing fingerprint registration, necessary information such as a card number received from the telephone card host device 25 and a prepaid amount corresponding to the inserted amount is written in this memory unit. As a result, a payment card (that is, a telephone card with a fingerprint function) 23 that can be used for payment is ejected from the card issuing machine 24 and issued to the purchaser 21 (step S64). Further, the card issuing machine 24 reports to the telephone card host device 25 that the telephone card has been issued based on the information recorded in the memory unit (step S65).

Next, the flow of processing when the user uses the telephone card with a fingerprint function will be described. User 27
When the telephone card 28 with fingerprint function is inserted into the public telephone 29 with fingerprint authentication (step S66), the public telephone 29 with fingerprint authentication instructs the user 27 to press a finger. As a result, when the user 27 presses a pre-registered finger, the fingerprint reading unit 26 'equipped with the fingerprint authentication chip reads the fingerprint pressed by the user 27 (step S67). Furthermore, the public telephone with fingerprint authentication 29 sends the telephone card host device 25 a
A request is made to transmit fingerprint information corresponding to the card number of the inserted telephone card with fingerprint function 28 (step S68). Then, the telephone card host device 25
Acquires the fingerprint information registered in the telephone card with fingerprint function 28 from its own database 25a and transmits it to the public telephone 29 with fingerprint authentication (step S6).
9).

Next, the public telephone with fingerprint authentication 29 reads the fingerprint information recorded on the inserted telephone card with fingerprint function 28, the fingerprint read by the fingerprint reading section 26 ', and
The fingerprint information received from the telephone card host device 25 is compared and collated, and it is confirmed whether or not the user 27 of the inserted telephone card with fingerprint function 28 is the purchaser 21 himself / herself. Here, if the fingerprint information of the three parties matches, the user 27 of the telephone card 28 with the fingerprint function will be the applicant 21
Since the user is the principal, the public telephone 29 with fingerprint authentication makes the telephone communicable.

The operation flow in the case of application to the pachinko card shown in FIG. 5 is exactly the same as that in the case of the telephone card of FIG. 4, and is shown in FIG.
8 is replaced with the pachinko cards with fingerprint function 33, 38 in FIG. 5, and similarly, the telephone card host device 25 sends the pachinko card host device 35 to the public telephone 29 with fingerprint authentication.
Has changed to a pachinko machine 39 with fingerprint authentication. In FIG. 5, the pachinko machine can be started when the fingerprint information of the three parties matches.

When the present invention is applied to a telephone card or a pachinko card, the prepaid amount can also be managed by the telephone card host device 25 or the pachinko card host device 35, and the amount of the payment card and the amount recorded on each host device are recorded. A system for preventing tampering by comparing the amount with the amount may be configured. As mentioned above,
In the past, if the prepaid card was lost, it could be used by others, but by applying the system described above, it is possible to invalidate the lost card and receive it again, so it is expensive It is more preferable to apply to a prepaid card.

The embodiment described above is an example for describing the present invention, and the present invention is not limited to the above embodiment, and various modifications can be made within the scope of the invention. It is. For example, by registering the user's name, address, and the like in the prepaid host, it is possible to respond to return from a third party in good faith in case of loss. Further, since tampering can be prevented and a high degree of identity confirmation can be performed, a high-priced prepaid card can be issued. Furthermore, the payment card system of the present invention can be applied to various prepaid cards such as a highway card, a bus card, and a train card, in addition to the above embodiment.

[0046]

As described above, according to the payment card system of the present invention, the fingerprint authentication chip using the integrated circuit is used in the fingerprint reading section of various card issuing machines, and the user can issue various cards when issuing the various cards. The fingerprint information of the user is written together with necessary card information such as ID information, a personal identification number, and money amount information in the memory units of various cards. When a payment card is used, the fingerprint reader is inserted into various terminals using the payment card (for example, a credit reference terminal, a public telephone, a pachinko machine, etc.), and includes a fingerprint authentication chip connected to the various terminals. Then, by pressing the finger registered in the payment card, the fingerprint information registered in the payment card is compared with the fingerprint of the finger pressed by the user when using the payment card to confirm the identity of the user. In this way, when the identity of the user is confirmed, various payment processes such as payment by credit card, use of a public telephone, start of a pachinko game, and the like are performed. As a result, the identity of the payment card user can be reliably authenticated. Further, by registering the fingerprint information in the host device at the time of issuing various cards, it is possible to cope with falsification of the fingerprint information in the various cards, and it is possible to confirm the identity of the user more highly. .

[Brief description of the drawings]

FIG. 1 is a flowchart showing a flow of a payment card system according to a first embodiment of the present invention.

FIG. 2 is a flowchart illustrating a flow of a payment card system according to a second embodiment of the present invention.

FIG. 3 is a flowchart illustrating a flow of a card system according to a third embodiment of the present invention.

FIG. 4 is a flowchart showing a flow of a payment card system when applied to a telephone card as a fourth embodiment of the present invention.

FIG. 5 is a flowchart showing a flow of a payment card system when applied to a pachinko card as a fourth embodiment of the present invention.

FIG. 6 is an example of information recorded in a memory unit of the credit card with a fingerprint function issued by the card issuing machine of FIG. 1;

[Description of Signs] 1, 11 Applicant (payment card applicant) 2 Card company 3, 13 Card 4, 14, 24, 34 Card issuing machine 5, 15 Card company host device (host device) 6, 6'16, 16 ', 26, 26', 36, 36 '
Fingerprint reading unit 7, 17, 27, 37 User (payment card user) 8, 18, 41 Credit card with fingerprint function (payment card) 9, 19 Credit reference terminal 10, 20 Payment system 15a, 25a, 35a Database 21, 31 Purchaser 23, 28 Phone card with fingerprint function (payment card) 33, 38 Pachinko card with fingerprint function (payment card) 25 Phone card host device 35 Pachinko card host device 29 Public telephone with fingerprint authentication 39 Pachinko with fingerprint authentication Table

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 7/08 L

Claims (7)

[Claims] 1. A settlement card used for settlement of consideration for a beneficiary provision, and a settlement terminal for executing a price settlement corresponding to the beneficiary provision based on information recorded on the settlement card, wherein the settlement terminal uses A payment card system that authenticates the validity of the payment card to be executed and executes payment for the payment card, wherein the payment card is registered in advance with fingerprint information of a payment card applicant, and the payment terminal uses the payment card. Sometimes, the payment information is compared with the fingerprint information of the user of the payment card and the fingerprint information registered in the payment card used, and when the validity of the payment card used is authenticated, the payment is executed. And payment card system. 2. A card issuing machine for issuing a payment card, wherein said card issuing machine reads fingerprint information obtained from a payment card applicant, and fingerprint reader read by said applicant fingerprint reading means. A fingerprint information writing unit that writes information to a payment card to be used by the payment card applicant; and a payment card issuing unit that issues a payment card in which the fingerprint information of the payment card applicant is registered. The payment terminal compares user fingerprint reading means for reading fingerprint information obtained from the payment card user, fingerprint information registered on the payment card to be used, and fingerprint information read by the user fingerprint reading means. A fingerprint information comparing and collating means for collating, and when the fingerprint information compared and collated by the fingerprint information comparing and collating means coincides, payment for a settlement card to be used. Payment card system according to claim 1, characterized in that it comprises a payment means for executing. 3. A card issuing machine for issuing a settlement card,
A host device that supervises the card issuing machine as a host device, wherein the card issuing machine reads fingerprint information obtained from a payment card applicant, and an fingerprint reader read by the applicant fingerprint reading means. A fingerprint information writing unit that writes information to a payment card to be used by the payment card applicant; a fingerprint information transmission unit that transmits fingerprint information read by the applicant fingerprint reading unit to the host device; Payment card issuing means for issuing a payment card in which the fingerprint information of the card applicant is registered, wherein the host device stores the fingerprint information of the payment card applicant received from the card issuer and stores the fingerprint information. Means, and in response to a request from the payment terminal, passes the fingerprint information of the payment card applicant stored in the fingerprint information storage means to the payment terminal. User information reading means for reading the fingerprint information obtained from the payment card user, the fingerprint information registered in the payment card to be used, and the user A fingerprint information comparing / comparing means for comparing and collating the fingerprint information read by the fingerprint reading means with the fingerprint information received from the host device; and using when all the fingerprint information collated by the fingerprint information comparing / comparing means match. The payment card system according to claim 1, further comprising a payment means for executing payment for the payment card to be executed. 4. The payment card system according to claim 1, wherein the payment card is a credit card. 5. The payment card is a prepaid card, comprising: a card issuing machine that issues the prepaid card; and a host device that supervises the card issuing machine as a higher-level device, wherein the card issuing machine purchases a prepaid card. Purchaser fingerprint reading means for reading fingerprint information obtained from a purchaser; fingerprint information writing means for writing the fingerprint information read by the purchaser fingerprint reading means on a prepaid card to be purchased by the prepaid card applicant; Fingerprint information transmitting means for transmitting fingerprint information read by the user fingerprint reading means to the host device; and amount information corresponding to the amount inserted by the prepaid card purchaser is recorded, and the fingerprint of the prepaid card purchaser is recorded. A prepaid card issuing means for issuing a prepaid card in which information is registered, wherein the host A fingerprint information storage unit for storing fingerprint information of a prepaid card purchaser received from the card issuing machine; and a prepaid card purchase stored in the fingerprint information storage unit in response to a request from the settlement terminal. Fingerprint information notifying means for notifying the user of the user's fingerprint information to the payment terminal, wherein the payment terminal reads user fingerprint information obtained from a prepaid card user; and Registered fingerprint information, fingerprint information read by the user fingerprint reading means,
A fingerprint information comparison / comparison unit for comparing and collating the fingerprint information received from the host device, and when all the fingerprint information compared and collated by the fingerprint information comparison / comparison unit match, provide an advantage regarding a prepaid card to be used, 2. The payment card system according to claim 1, further comprising a profit providing means for canceling the amount information described on the prepaid card. 6. A payment card used to settle payment for a beneficiary provision, and a payment terminal for executing a payment corresponding to the beneficiary provision based on information recorded on the payment card, wherein the payment terminal is used. A payment method using a payment card system that authenticates the validity of the payment card to be executed and executes the payment, comprising: registering the fingerprint information of the payment card applicant in the payment card; Through the process of issuing the registered payment card, the payment terminal reads fingerprint information obtained from the payment card user, the fingerprint information registered on the payment card used, and the read fingerprint information And the step of executing payment for a payment card to be used when the compared and matched fingerprint information matches. A payment method using a payment card system, which performs gold payment. 7. A payment card used to settle payment for beneficiary provision, and a settlement terminal for executing payment settlement corresponding to beneficiary provision based on information recorded on the settlement card, wherein the settlement terminal uses A payment method using a payment card system that authenticates the validity of a payment card to be executed and executes a payment, comprising: registering fingerprint information of a payment card applicant in the payment card; and supervising the card issuing machine as a higher-level device. A step of registering the fingerprint information of the payment card applicant in a host device to be executed, and a step of issuing a payment card in which the fingerprint information of the payment card applicant is registered. Reading the fingerprint information obtained from the host device; obtaining the fingerprint information of the payment card applicant from the host device; A step of comparing and collating the recorded fingerprint information, the read fingerprint information, and the fingerprint information received from the host device, and when all of the compared and collated fingerprint information match, a payment for a payment card to be used. A settlement method using a settlement card system, wherein the settlement is performed through a step of executing settlement.