JP2003150884A - Cash card certification system by cellular phone with gps function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cash card certification system by a cellular phone with a GPS function capable of preventing an incorrect use of a cash card. SOLUTION: A cellular phone with the GPS function for specifying a position of the user and the credit card are together possessed by the user. In order to specify a debit card terminal at a member store or an installation location of ATM of a bank, a GPS receiver is arranged at the debit card terminal or the ATM. In the case where a charge for the commodity or a provided service is paid or money is drawn from an account, a position information of the user is transmitted to a GPS service company 3 through a carrier and a position information of the debit card terminal or the ATM is further transmitted to the GPS service company through a settlement of account execution service company. A position of the user and an installation location of the debit card terminal or the ATM are checked at the GPS service company and only when both positions are coincident with each other, a usage of the credit card is certified.

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash card used for paying for goods or services provided or for withdrawing cash from an account. GPS owner (Glob
The present invention relates to a cash card authentication system using a mobile phone with a GPS function, which can prevent unauthorized use of a cash card by checking using an al positioning system (global positioning system). 2. Description of the Related Art Conventionally, when paying for a product or a provided service using a cash card, a store (hereinafter referred to as a store) which has previously contracted with each bank (including other forms of financial institutions and post offices). After reading the information of the cash card from a debit card terminal such as a card reader installed at a member store), the information is transmitted to a bank to inquire whether or not the card can be used. Payment is performed by inputting a password into a terminal. Also, when withdrawing cash from an ATM (Automatic Tellers Machine) of the bank, the relevant AT
After inserting a cash card into M, cash is withdrawn by inputting a password and an amount. [0003] However, in the case of using the former cash card in the prior art described above to pay for goods and services provided, and in the case of the latter bank,
When withdrawing cash from TM, if there is a driver's license etc. that you have found or stolen together, you can easily guess the password from the date of birth or phone number Since it is possible, there is a problem that payment of goods and provided services and cash withdrawal can be easily performed. When a cash card is lost or stolen, the use of the cash card can be stopped by contacting the police or a bank, but the loss or theft is often not immediately noticed. There is also a problem that a time lag occurs until the use stoppage action is taken even if contact is made. [0005] The present invention has been made to solve the above-described problems, and is intended for a user who pays for goods or provided services using a cash card or withdraws cash from an account. A cash card authentication system using a mobile phone with a GPS function, which can prevent unauthorized use of a cash card by confirming whether or not the user is the owner of the cash card using GPS. The purpose is to: In order to solve the above-mentioned problems, in a cash card authentication system using a mobile phone with a GPS function according to the present invention, a GPS receiving unit and a GPS control unit for specifying a position of a user are provided. The user is caused to carry a mobile phone with a GPS function having a unit and a GPS antenna and a cash card together. In addition, in order to specify the installation location of the debit card terminal or ATM of the bank at each member store, the debit card terminal or ATM
The GPS receiver is installed in. When paying for a product or a provided service using a cash card or withdrawing cash from an account, the location information of the user is transmitted to a GPS service company via a carrier, and a debit card terminal or The ATM location information is transmitted to the GPS service company via the payment agency service company,
The GPS service company collates the position of the user with the installation location of the debit card terminal or ATM, and authenticates the use of the cash card only when they match. An embodiment of the present invention will be described with reference to the drawings. FIG. 3 shows a GP used in a cash card authentication system using a mobile phone with a GPS function according to the present invention.
FIG. 7 is a block diagram of a configuration of a mobile phone with an S function, and shows a GPS antenna 15 for receiving GPS signals 8a, 8b,... 8n transmitted from a plurality of GPS satellites 7a, 7b,. The GPS receiver 13 and a GPS controller 14 for analyzing satellite positions, inter-satellite receiver distance information, clock information, and the like included in the plurality of received GPS signals 8a, 8b,. Connect to control unit 17. The mobile control unit 17 is equivalent to a control unit of a conventional mobile phone, and includes a mobile antenna 18 and a mobile communication unit 16 for communicating with a mobile phone network or a packet network.
An audio unit 19 for controlling audio output to the speaker 23 and audio input from the microphone 24;
5, an interface unit 21 for performing dial input and function input and connecting an external device via an interface connector 26, a monitor display unit 20 for performing monitor display on an LCD display or the like, and a power supply unit 2.
2 or the like. In FIG. 3, the GPS antenna 1
5, the GPS receiver 13 and the GPS controller 14 are integrated or built in. However, the interface 21 may be connected to the portable controller 17 via the interface connector 26 as an external GPS unit. I do not care. FIG. 1 is a system configuration diagram of a cash card authentication system using a mobile phone with a GPS function according to the present invention. In order to specify the position of a cash card user 11, a GPS receiving unit 13 and a GPS control unit 14 are provided. The user 11 is caused to carry the mobile phone 10 with a GPS function having the GPS antenna 15 and the like and the cash card together. At present, there is a remarkable spread of mobile phones, and if the added value of the mobile phone is further increased, it is possible for each user of the cash card to own one of the cash cards. A GPS receiver 9 is provided at the debit card terminal 12 or the ATM in order to identify the installation location of the debit card terminal 12 or the ATM (not shown) of the bank 1 in each member store 5. . Although a general GPS receiver cannot be used in an underground or a building structure where a GPS signal does not reach, the inventors of the present application have disclosed "Disaster information in an underground or building structure" in Japanese Patent Application No. 2001-200237. And a pseudolite GPS (Pseudolite GPS) or a high-sensitivity GPS receiver and an A-GPS (Assist GPS: Assist GPS: F. van Diggelen and C. Abraham, "Indor G
PS Technology ", CTIA Wireless-Agenda, Dallas, May
By adopting the GPS method which can be used in underground or in a building structure such as the method combining the above-mentioned methods (2001), the ATM can be used regardless of where the debit card terminal 12 or the bank 1 is installed. Further, a settlement agency service company 2 which performs various service operations such as settlement agency of a plurality of banks 1 is connected by a line 6, and furthermore, the settlement agency service company 2 and a number of member stores 5 are connected.
Are connected by a line 6. In addition, in order to acquire the position information of the user 11 and the position information of the debit card terminal 12 or the ATM and to verify the position information of both, and authenticate the use of a cash card, a telecommunication business such as a mobile phone (including PHS) A carrier 4 and a GPS service company 3 are connected by a line 6 and the GPS service company 3 and the settlement agency service company 2 are connected by a line 6 to construct a network system. [0011] When paying for a product or a provided service using a cash card or when withdrawing cash from an account, the location information of the user 11 is transmitted to the GPS service company 3 via the carrier 4. Further, the position information of the debit card terminal 12 or the ATM is transmitted to the GPS service company 3 via the settlement agency service company 2, and the position of the user 11 and the position of the debit card terminal 12 or the ATM are transmitted to the GPS service company 3. And a system that authenticates the use of the cash card only when they match. An embodiment of the present invention will be described with reference to the drawings. FIG.
FIG. 3 is an authentication flow diagram of a cash card authentication system using a mobile phone with a GPS function according to the present invention, and shows an authentication flow in a case where a user 11 pays for goods or services at a member store 5 with a cash card. . First, when the information of the cash card possessed by the user 11 is read by the card reader or the like into the debit card terminal 12 of the member store 5 as shown in the figure, the information is transmitted to the settlement agency service company 2 as shown in the figure. Via,
Is transmitted to the bank 1 as shown by. In the bank 1, the above information is collated with the user database, the balance of the cash card is checked, and information such as the availability and the limit of use and the GPS function possessed by the user 11 are provided, as shown in FIG. The mobile phone number of the mobile phone 10 is transmitted to the settlement agency service company 2. It is assumed that the mobile phone number of the user 11 is set and registered in advance at the time of the cash card contract. Here, in the case that the card cannot be used, the contents of the card cannot be used are transmitted to the debit card terminal 12 of the member store 5 as shown in FIG. Other payment methods, such as payment, will be required. If it is available, it requests the GPS service company 3 for the location information of the user 11 as shown by. In response to the request, the GPS service company 3 acquires the position information via the carrier 4. At this time, the carrier 4 is the mobile phone 10 with the GPS function of the user 11 as shown by.
Call automatically. The mobile phone 10 with a GPS function transmits the position information calculated by the GPS receiving unit 13 and the GPS control unit 14 to the carrier 4 in response to the outgoing call. The transmission may be either automatic transmission by no ringing or manual transmission for requesting the user 11 to input the personal identification number of the cash card. Then, the position information is transmitted to the GPS service company 3. The GPS service company 3 compares the position information of the user 11 obtained as described above with the position information of the installation location of the debit card terminal 12 of the member store 5, and finds that the two are the same within an allowable range. When it is determined that the location is a place, it is determined that the contractor himself uses the cash card, and when it is determined that the two locations are different, it is determined that the unauthorized use is performed by another person. Then, the contents of the judgment are transmitted to the settlement agency service company 2 as indicated by, and the settlement agency service company 2 further transmits to the debit card terminal 12 of the member store 5 as indicated by. Here, if it is determined that the payment is illegal, the user 11 is notified that the payment using the cash card cannot be performed. Thus, unauthorized use of the cash card can be prevented. Further, when there is a possibility of a crime, it is preferable that the settlement agency service company 2 or the GPS service company 3 contact the police. In addition, the position information of the installation location of the debit card terminal 12 of the member store 5 is not limited to the position information acquired from the GPS receiver 9, and the position information previously set and registered as the fixed information is also to be compared. More preferred. As described above, if the cash card authentication system using the mobile phone with the GPS function of the present invention is applied to a debit card terminal of a member store or an ATM of a bank, goods can be obtained using a cash card. When paying for services and services provided or when withdrawing cash from an account, it is possible to confirm whether the user is the owner of the cash card using GPS, and to prevent unauthorized use of the cash card It has a tremendous effect that it can be prevented.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a system configuration diagram of a cash card authentication system using a mobile phone with a GPS function of the present invention. FIG. 2 is an authentication flow chart of the cash card authentication system using the mobile phone with a GPS function of the present invention. FIG. 3 is a configuration block diagram of a mobile phone with a GPS function used in a cash card authentication system using a mobile phone with a GPS function of the present invention. [Description of Signs] 1 Bank 2 Settlement Agency Service Company 3 GPS Service Company 4 Carrier 5 Member Store 6 Line 7 GPS Satellite 8 GPS Signal 9 GPS Receiver 10 Mobile Phone with GPS Function 11 User 12 Debit Card Terminal 13 GPS Receiver 14 GPS control unit 15 GPS antenna 16 Portable communication unit 17 Portable control unit 18 Portable antenna 19 Audio unit 20 Monitor display unit 21 Interface unit 22 Power supply unit 23 Speaker 24 Microphone 25 Key switch 26 Interface connector

   ────────────────────────────────────────────────── ─── Continuation of front page    (72) Inventor: Kasai Tomo             3 Pegasus at 8 Miyukicho, Shizuoka City, Shizuoka Prefecture             Net Inc. (72) Inventor Kazumi Yabuzaki             3 Pegasus at 8 Miyukicho, Shizuoka City, Shizuoka Prefecture             Net Inc. (72) Inventor Akira Uchiyama             3 Pegasus at 8 Miyukicho, Shizuoka City, Shizuoka Prefecture             Net Inc. F-term (reference) 3E040 BA07 DA02                 3E042 CC02 CD04 EA01

Claims (1)

Claims: 1. A GP having a GPS receiving unit, a GPS control unit, a GPS antenna, and the like in order to specify a position of a user.
In order to allow the user to carry a mobile phone with an S function and a cash card together, and to specify the location of the debit card terminal or ATM of the bank at each member store, a GPS receiver is provided at the debit card terminal or ATM. When paying for goods and services using a cash card or withdrawing cash from an account, send the user's location information to a GPS service company via a carrier, and further debit Card terminal or AT
GPS of the location information of M via settlement service company
The system is characterized in that the system transmits to the service company, and the GPS service company collates the position of the user with the installation location of the debit card terminal or the ATM, and authenticates the use of the cash card only when they match. , GPS
A cash card authentication system using a mobile phone with functions.