JP2004295902A - Electronic wallet and ic card for electronic wallet - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic wallet and an IC card for the electronic wallet capable of securing a user's convenience while preventing serious damage caused by an illegal use of the IC card. <P>SOLUTION: This electronic wallet is constituted to be connectable to the IC card wherein an amount transferred to the IC card from oneself is a prescribed amount or more and unless the amount is settled after a prescribed time, the amount of money becomes extinct. The electronic wallet has a function of reviving the extinct amount of money when the IC card is inserted. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to the security and reliability of an electronic wallet and electronic money on the distribution of EC (Electric Commerce), which has been remarkably developed.

  As the world progresses toward the Internet world, the spread of electronic money, the next-generation economic revolution, has been spurred.

  Credit cards, member cards, etc. have become extremely popular. However, the tediousness of the sign and its easy abuse and misuse remain behind. Demonstration tests of electronic money have also begun in some areas, but they are not readily available for practical use because their security and reliability are similar to those of various credit cards.

  It is dangerous to carry a large amount of money, and there are various types of credit cards, and the amount of payment is limited. Decryption, falsification, forgery, etc. of credit card PINs are occurring frequently. Moreover, various credit cards are distributed, and consumers have many types of cards, such as banks, department stores, supermarkets, etc., which are extremely problematic in terms of safety.

  No matter how widespread the Internet becomes, EC will not develop unless an appropriate money settlement function can be done online.

  Cashiers and coins are carried around town and in supermarkets, and cashiers always make a line for small change and card payments. The impossible rate is extremely small.

  There is now a need for a cash payment method that is small, expensive, safe, accident-free, and lost even if lost.

  In order to achieve the above object, the present invention has a system configuration in which an electronic wallet and electronic money are paired. In addition to a password for identification, fingerprint pattern recognition and electronic money are stored in an image memory. The face photo was stored. It also has a function to automatically erase the balance in case of loss.

  You can enter your e-wallet online from your financial institution account with your fingerprint and password. Electronic money inserted into an electronic wallet can usually be entered with a certain limit.

  When a large amount of money or more is input to electronic money, a fingerprint pattern and a password are required in the same manner as when transferring money from an account to an electronic wallet.

  However, a small amount of money is sufficient to give a pocket money to a child or to use it as a regular commuter pass. In this case, the money can be transferred to the electronic money only by pressing the input key of the wallet.

  When a large amount of money is settled from electronic money, if the electronic money itself is lost, it may be misused by others. As a preventive measure, an internal timer operates and disappears if electronic money equal to or more than a predetermined amount is settled within a predetermined time.

  When the electronic wallet is lost, the electronic wallet is provided with a function of receiving PHS and PDS of a mobile phone in order to prevent abuse, so that the balance is extinguished by a signal from the telephone network. Since there is a case where the electronic wallet is left behind or left behind, the electronic wallet itself can generate an electronic sound by a signal from the telephone network to notify the owner, and a function of notifying the owner of the location by the PHS location information function can be provided.

  Since the present invention is configured as described above, it has the following effects.

  By combining the electronic wallet and electronic money, money can be input from the electronic wallet to the electronic money. If the electronic money is not settled within a predetermined time, for example, within 5 or 10 minutes, the electronic money will self-destruct. to be.

  It is possible to input small amounts of money, such as small coins, to electronic money without leaving them and without authenticating them. Offer for payment of small change, commuter pass, highway toll, etc.

  You can deposit money into your electronic wallet from a bank ATM or online terminal, and you can also transfer money to other accounts.

  The electronic wallet is equipped with a mobile phone receiving device such as a PHS or PDC, and if lost, sends a death signal via the telephone network to cancel the balance. In order to confirm the location of a wallet that has been left behind, an electronic sound is generated from the electronic wallet via the telephone network, and the location is clarified.

  This electronic wallet must be authenticated by both fingerprint authentication and password to secure the reliability and security of online deposits of more than a specified amount and deposits to electronic money, both for fingerprint authentication and for password verification.

  This electronic wallet consists of a fingerprint stamping section, a CMOS area sensor for reading, an LSI of a single control processor type, a film cell and a solar cell in a power supply section.

  Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

  With the spread of the Internet, the realization of electronic money is no longer a dream. In 2003, GII (General Information Infrastructure) will be built on a global scale. GII is responsible for current mobile phones and high-speed digital networks, and is responsible for ensuring high-speed, high-quality, high-reliability communication and eliminating regional disparities.

  In other words, on the next-generation Internet, it is trying to activate the economy, which is currently in recession. EC (Electronic Commercial) has begun experimentally in various places. However, it is still in the experimental stage and has not yet reached practical use.

  It is difficult to execute EC unless the network speed, privacy and security are secured. At present, payments using ATMs at banks are merely used for deposits and withdrawals and transfers.

  Various cards have become commonplace in Japan as well as in Europe and the United States. Depending on the type of card, you can't use a card that's not available at the merchant, and signing and writing your home phone number can be even more cumbersome. In addition, the user has many kinds of cards, and it has reached the limit of managing and remembering the personal identification number. In addition, there is no delay in card misuse or misuse. Consumers have reached the limit of patience as long lines of payment cash registers form.

  That's where electronic money came in. No change, no sign, and if you process it on a high-speed line, it's really fast. As long as the card reader is in the store, the user simply inserts the card and presses the enter key if the purchase amount is correct. This is the end of payment.

  It is extremely convenient for cash transfer pears, change small pears, and card sign pears. In particular, the change caused by the addition of the consumption tax does not need to fill the wallet.

  Electronic money (also called web money) feels like a coin purse, but you also need an electronic wallet with plenty of bills.

  Therefore, the present invention proposes an electronic money processing system combining an electronic wallet and electronic money. 1A and 1B show an electronic wallet 1 and electronic money according to the present invention. The electronic money 10 is also called an IC card.

  In the configuration shown in FIG. 1A, the electronic wallet 1 is large enough to insert a credit card and is small enough to fit in a shirt pocket. Reference numeral 2 denotes a display of liquid crystal or the like, 3 denotes a solar cell, and the solar cell charges a film battery (not shown) inside the electronic wallet.

  Reference numeral 4 denotes a keyboard switch for operation, and reference numeral 5 denotes a fingerprint authentication device. When money is input from the electronic wallet 1 to the electronic money 10, if the amount is a certain amount or more, the fingerprint is imprinted on the keypad 5 along with the input of the ID number from the key switch 4 to authenticate the user.

  For example, if the amount of the electronic money 10 is 3,000 yen or more, the user can insert the electronic money 10 into the electronic wallet 1 and set the amount by using the keyboard without performing the identification by the ID number and the fingerprint authentication. By pressing a predetermined input key of No. 4, a certain amount of money is input.

  This is convenient for giving children extra money or handing them off as a one-day pocket money when the office worker goes to work. Of course, if you drop it, it will be lost like a normal bill, but the amount is small, so the damage is small.

  The electronic wallet 1 has a built-in PHS or PDC (mobile phone) receiving device. Reference numeral 6 denotes an antenna, which actually uses a flat antenna. An antenna 6 and a film battery 9 are built in the front or back of the electronic wallet 1.

  Reference numeral 7 shown in FIG. 1A denotes a communication interface unit connected to a modular jack of a telephone line. Through this communication interface, payment or payment to the electronic wallet 1 is made from a bank account. Since a large amount of cash can be input to the electronic wallet 1, it is possible to transfer money from a bank account after confirming the identity of the person by fingerprint authentication and an ID number.

  Not only the PHS and PDC receiving devices but also the transmitting device may be built in the electronic wallet, wirelessly transmit a command signal, perform identity authentication, and transfer money from a bank account. The mobile phone, electronic wallet, and electronic money are integrated into one.

  Reference numeral 7 denotes a modular jack for connection to a telephone line or the Internet network. However, when a transmission / reception device for PHS and PDS is provided, 7 is not necessary if settlement with a bank account is performed only wirelessly.

  Reference numeral 11 of the electronic wallet 1 denotes a contact portion with the electronic money 10, that is, a connector.

  FIG. 1B shows a cross section of the electronic wallet. The flat antenna 6 and the film battery 9 are built in the front or the back. The electronic money 10 is inserted into an electronic wallet. 8 and is connected to the electronic wallet by contacting the external interface unit. Although not shown, electronic money (IC card) is also provided with a battery such as a film battery.

  When the electronic money 10 is inserted in the electronic wallet 1, the electronic money is charged. Electronic money can be used for daily payments as well as for commuter passes on city transport and highways. If a PHS / PDC transmission / reception device is incorporated, it is possible to settle tolls at a toll gate on a highway while driving a car.

  When the PHS / PDC receiving function drops or loses the wallet 1, it receives a signal from the bank account that the downloaded balance has disappeared, and transfers the balance to a predetermined bank account in the same manner as resetting the wallet balance. With such a function, it is effective against loss or theft.

  Further, when the electronic wallet 1 is misplaced or left behind in a house or a workplace, an electronic sound is generated by a command signal from the PHS or PDC, thereby making it possible to clarify the location.

  If the electronic money 10 is equal to or less than the predetermined amount, as described above, the money remains on the card, but if a large amount of money is transferred from the wallet 1 to the electronic money, the ID number from the keyboard 4 and the ID number 5 Then, the user is transferred to the electronic money 10 after confirming the identity by fingerprint authentication. This is the same procedure when transferring from a bank account to an electronic wallet from a terminal such as an ATM or a home.

  The electronic money 10 is settled after a predetermined time, for example, 10 minutes, 5 minutes after a timer on the electronic money is activated when a predetermined amount of money, 3,000 yen or more or tens of thousands yen or more is transferred from the electronic wallet. If not, they die.

  Naturally, the dead money can be revived by inserting electronic money into the wallet and performing a predetermined procedure. Since such a function is provided in the electronic wallet and electronic money, the user can use it with ease. It is safer than banknotes and coins actually circulating. Further, the electronic money 7 has a built-in image memory, and when inserted into a settlement terminal, a photograph of the face of the person is displayed on the monitor, and it is possible to confirm whether or not the payer is the person.

  FIG. 2 shows the internal structure of the electronic wallet according to the present invention. Reference numeral 22 denotes a 16-bit or 32-bit CPU that controls the entire electronic wallet. Reference numeral 21 denotes a fingerprint recognizing unit which includes a fingerprint stamping unit 21a, a semiconductor area sensor 21b, and a control processor 21c for recognizing a fingerprint.

  In the image memory 25 of the electronic wallet 1, a fingerprint for identification or a photograph of the face of the individual is registered. The fingerprint read by the fingerprint reading unit 21 is immediately collated with the registered fingerprints in the 25 image memories.

  The fingerprint reading unit 21 has a structure in which a seal unit 21a, a CMOS area sensor 21b, and a fingerprint recognition control processor 21c are integrated. For example, Veridycom, USA, trade name "FPS100" is suitable for this purpose and may be used. Reference numeral 22 denotes a CPU that controls the entire electronic wallet.

  Reference numeral 25 denotes an image memory, and the identification fingerprint and face image stored therein are also registered in a bank account database. Check and confirm if necessary. Reference numeral 23 denotes a register, a ROM, and a RAM, which have programs necessary for the control.

  Numeral 24 denotes a multiplication / arithmetic unit having a DSP (arithmetic processor) function. This function performs high-speed pattern matching of input fingerprints and the like. 27 is composed of a solar battery and a film battery, and charges the solar battery to the film battery. The film battery is 0.1 to 0.5 mm thin and is realized with a high ionic conductive polymer solid electrolyte.

  Reference numeral 28 denotes a PHS and PDC receiving unit and transmitting unit. In the present invention, in order to make the wallet inexpensive, only the receiving unit is provided, and a default signal at the time of loss and an electronic sound for confirming the location are output by the public radio (PHS, PDC) signal.

  Of course, in the PHS, the position information can be specified. Therefore, even if the cost is slightly increased, it is more convenient to use a transmission unit that outputs a specific data signal. Since the purpose of the present invention is to disseminate electronic money, use of a receiving unit alone does not hinder use for the time being.

  Reference numeral 29 denotes an external interface unit. Here, the public telephone line, the modular jack for connection to the Internet network, the contact portion when the electronic money is inserted, and the connector are collectively shown.

  Reference numeral 30 denotes an AD / DA converter, which processes the pattern of the fingerprint input by the arithmetic processor 24 and stores it in the image memory 25. The inputted fingerprint input is taken out as appropriate and pattern matching for identity verification is performed.

  Reference numeral 31 denotes an interface unit with a liquid crystal display and a key switch. In the external view of the electronic wallet shown in FIG. 1A, a message is displayed on the display, and various commands can be performed by the key switch 4.

  Reference numeral 32 denotes a system bus inside the electronic wallet, which interfaces with various arithmetic function units such as the fingerprint reading unit 21 and the CPU 22 and external devices.

  The functional configuration shown in FIG. 2 can be made into a one-chip LSI and thin and ultra-compact. For example, the product name "SH microcomputer" of Hitachi, Ltd. enables SOS (System on Silicon) that implements user functions. Therefore, an electronic wallet of a size that fits in a shirt pocket as in the present invention can be realized.

  FIG. 3 shows the internal structure of the electronic money. The electronic money 10 is used together with the electronic wallet 1, as if money were put in a wallet and treated like money at the time of payment. When dispensing money from the wallet 1, money is input to the electronic money 10.

  When inputting a predetermined amount or more of money into the electronic money, the money cannot be input unless the password is input from the key switch 4 and the fingerprint is authenticated from the key switch 5 shown in FIG. That is, the wallet is locked. However, if the electronic money 10 is inserted into the electronic wallet 1 with a limit of coins, for example, 3,000 yen, coins can be automatically input.

  For example, a child may be rewarded, or a company employee may go to work with electronic money every morning. There is no danger of misuse unlike credit cards. Even if dropped, it costs only a small amount, for example, about 3,000 yen.

  In FIG. 3, reference numeral 35 denotes a control processor for electronic money; 36, a ROM and RAM for storing programs; 37, a counter and a timer; and 38, an image memory containing a face photograph for identification. When the electronic money is inserted into the payment terminal, the face image registered in the image memory 38 of the electronic money 10 is displayed on the monitor. Therefore, the payer can confirm that he is the principal.

  Cash registers in supermarkets and the like are heavily congested, and there are times when payment is waited for a long time. The money of a certain amount or more disappears after the elapse of a predetermined time after the timer 37 of the electronic money is operated. Therefore, the money becomes ineffective unless settled within a few minutes after the person withdraws the electronic money from the wallet. In this case, it is sufficient to perform a procedure for personal identification just before it is his turn in a line.

  With this function, large payments are impossible for anyone other than the person. Reference numeral 37 denotes a counting counter and a timer function. When the money amount exceeds a predetermined limit, the counter is started when the money amount is withdrawn from the wallet.

  After a lapse of a predetermined time, settlement is impossible with a small change remaining. However, if electronic money is inserted into the wallet, payment to electronic money can be made again.

  In FIG. 3, reference numeral 8 denotes a connector which contacts and connects when inserted into the electronic wallet 1. Reference numeral 39 denotes a film battery or a button battery, which is embedded in electronic money. Reference numeral 40 denotes a system bus for electronic money.

  FIG. 4 shows an electronic money settlement terminal combined with a telephone. 45 is a payment terminal, 46 is a telephone handset, 47 is a display panel, 48 is a key input switch, and a combination of a telephone number and a command key is shown. 49 is an electronic money insertion slot. When the customer inserts and slides the electronic money, the balance of the electronic money is transferred to the terminal 45.

  A monitor 51 may be a home TV. The payee can visually confirm the payer by comparing the photograph with his / her face. The settlement terminal device 51 provides a simplified device for performing cash settlement and depositing money in an electronic wallet at home and a store.

  Reference numeral 50 denotes a modular jack, into which an interface cable of the electronic wallet 1 is inserted, and a fingerprint authentication and a password on the electronic wallet are input, and money can be deposited and transferred online with a bank account.

  Transferring money to another person's account is possible using the same procedure as an electronic wallet. The electronic wallet 1 can be authenticated, and is highly secure and highly reliable, and its application to the other side can be extended. For example, by using this function, it is possible to vote for an election from a telephone-type settlement terminal. This realizes EV (Electronic Voting) on EC (Electronic Commercial).

  FIG. 5 is a diagram showing a system configuration for using an electronic wallet according to the present invention. The electronic wallet according to the present invention is characterized in that when it is dropped or stolen, a default signal is transmitted from a mobile phone such as a PHS or PDC to completely erase the inside of the electronic wallet.

  Also, in the case where the user has inadvertently misplaced the device, it is possible to generate an electronic sound in order to clarify the location by the same means. By hearing this sound, the owner can identify the location.

  In FIG. 5, reference numeral 52 denotes a public network such as a telephone network, ISDN, ATM, the Internet, and a wireless network. 53 is a radio base station, 54 is a database of financial institutions, bank securities, insurance companies, etc.

  A router 55 is installed in a relatively large store, department store, or office. Reference numeral 56 denotes a processor in which an electronic wallet system according to the present invention is added to an ATM (automatic cash processor) in a bank. ATMs equipped with processing functions according to the present invention are installed in street corners, large-scale stores, and financial institutions. Reference numeral 58 in FIG. 5 shows this example.

  In a relatively small office or store, a settlement terminal 45 which is used in combination with a router 55 as shown at 59 and a plurality of telephones is installed. If it is installed at a cash register in a store, it is sufficient for the customer to simply insert the electronic money 10 into the payment device without having to check the money each time.

  Due to the consumption tax, there is no exchange of 1-yen coins and there is no line at the cash register. It is easy for stores to judge customers, which leads to improved convenience. Reference numeral 51 denotes a monitor for taking a photograph of a face to be used by the person to be settled for identification.

  In FIG. 5, reference numeral 60 denotes an example of use at home. An example is shown in which the electronic wallet 1 is connected to a settlement terminal 45 that is used together with a telephone. It is effective for telephone shopping at home, TV shopping, and settlement of money on the Internet.

  One of the features of the present invention is that, when the wallet is lost, a default (dead) signal is transmitted so that others cannot use it without permission. If a default signal is sent from a telephone via a public network to a PHS or PDC receiving unit built in an electronic wallet, the contents disappear. Therefore, there is no worry about being used by others.

  When dropped or misplaced, an electronic sound can be generated from the electronic wallet by the same means to inform the owner of the location. Reference numeral 61 in FIG. 5 indicates means for teaching the location of the lost wallet and defaulting the remaining money. 57 indicates the wallet owner.

It is a figure showing an electronic wallet and electronic money by this embodiment. It is a figure showing the system configuration of the electronic wallet in this embodiment. It is a figure showing the system configuration of electronic money in this embodiment. It is a figure showing the electronic money settlement terminal unit in this embodiment. FIG. 1 is a diagram showing a configuration of a usage environment system of an electronic wallet and electronic money according to an embodiment.

Explanation of reference numerals

DESCRIPTION OF SYMBOLS 1 Electronic wallet 2 Liquid crystal display 3 Solar cell 4 Key switch 5 Fingerprint stamp part 6 PHS / PDC antenna 7, 50 Modular jack for telephone connection 8, 11 Connector 9 Film battery 10 Electronic money (IC card)
21 Fingerprint Stamping Section 21a Fingerprint Stamping Panel 21b Pattern Reading CMOS Area Sensor 21c Fingerprint Pattern Reading Control Processor 22 CPU
Reference Signs List 23 ROM, RAM, register 24 Arithmetic processor 25 Image memory 26 Timer, counter 27 Power supply unit 28 PHS, PDS receiver, transmitter 29 External interface unit 30 AD, DA converter 31 Display unit, key input unit interface 32 Electronic wallet System bus 35 Electronic money control processor 36 ROM, RAM, register 37 Timer, counter 38 Image memory 39 Power supply unit 40 Electronic money system bus 45 Electronic money settlement terminal 46 Telephone handset 47 Display panel 48 Key input switch 49 Electronic money insertion slot 51 monitor 52 public network 53 PHS, PDC base station 54 financial institution 55 router 56 ATM machine 57 electronic wallet owner 58 bank, street corner 59 shop, store 60 home, small office

Claims (6)

  An electronic wallet that is configured to be freely connectable to an IC card in which the amount transferred to the IC card is greater than or equal to a predetermined value and the money is extinguished when payment is not made after a predetermined time, and the IC card is inserted An electronic wallet having a function of restoring the dead money.   The physical data of a user can be freely transferred to the IC card with respect to the IC card, and when connected to the IC card, the physical data of the IC card is displayed on a display mechanism. The electronic wallet according to claim 1, wherein:   The electronic wallet according to claim 2, wherein the physical data of the user is a face pattern.   The said electronic wallet is further provided with the function which recognizes a password and a user's fingerprint, and when it cannot recognize a password and a user's fingerprint, it is comprised so that it cannot be used. 3. The electronic wallet according to any one of 3.   An electronic card for an electronic wallet configured to allow a predetermined amount of money to be transferred from an electronic wallet, wherein a storage mechanism for storing information of a predetermined amount of money transferred from the electronic wallet, and wherein the predetermined amount of money is transferred. A counter mechanism that starts counting the usable time of the amount written on the IC card or the use time of the IC card itself based on the time, and the counter mechanism writes the IC card after a predetermined count has elapsed. A mechanism for prohibiting the use of the forehead or the use of the IC card itself. An IC card for an electronic wallet.   The IC card for an electronic wallet according to claim 5, wherein the IC card for an electronic wallet includes a storage unit for storing physical data of a user.

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