JPH09171548A - Electronic money security system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the possibility that the individual possessor of an electronic money system is involved in the crime such as the seizure of an electronic money. SOLUTION: A security lock mechanism is adopted for electronic money, the access of an electronic money IC card 1 is inhibited when the lock mechanism is operated and the release is performed by using an exclusive system after the lock mechanism is operated. The access inhibiting method is realized by including the operations to inhibit all the accesses of the electronic money IC card, to give an alarm when the download access from a center is performed and to inhibit the electronic money download from the center, etc. As a result, the danger that the possessor of the electronic money IC card 1 is involved in a crime such as the seizure of electronic money is reduced and the possessor can suffer lightly from the crime even if he encounters the crime.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to security of electronic money.

[0002]

2. Description of the Related Art Although the Internet has become widespread in the world, applications such as online shopping have begun to be carried out accordingly, and it is becoming a problem that money can not be exchanged safely on the Internet. As an approach to solve these problems, electronic payment is being considered, and specifically, new money called electronic money that can be replaced with paper money has been considered.

What is being considered as electronic money is
It is similar to a prepaid card using an IC card, but not only is the recorded amount decreasing, but it is also possible to increase by inputting from the outside. Further, because of the large background, there is provided a mechanism that can be electronically exchanged by communication means such as a network. This enables payment via the network or the like.

As a result, there is an advantage that the cost conventionally required for remittance is reduced and the trouble of going to a bank is unnecessary. Although it is easy to think that it can be easily forged electronically, what has been tried at present has cleared the problem of forgery by using encryption technology, management operation technology and the like.

The security for preventing the electronic money from being used by others is realized by locking the function with a password or the like, like a cash card or the like. For the current state of electronic money, see, for example, "BUSINE
SS WEEK / JUNE 12, 1995 P.36-P.46 ”.

[0006]

As described above, the problem of counterfeiting of electronic money currently being tried has been solved at the same level as that of current banknotes, and illegal use due to theft due to passwords or the like has been solved. I have been able to respond to. However, the current password system cannot deal with a violent crime that the owner is forced to cancel the password. As a specific example, it is conceivable that a person who owns an electronic money IC card is seized by a robber and forced to cancel his password and choose his life. In many cases, it is thought that the password cancellation will be selected from the viewpoint of life, but it is thought that the amount of damage will be greater due to the payment of electronic money from the outside, such as the network, rather than the current amount of money possessed. The other of the two alternatives, at worst, results in loss of life,
Being the owner of electronic money can carry many risks. The present invention aims to provide security of electronic money that is not subject to such a heinous crime while making the most of the convenience of electronic money.

[0007]

[Means for Solving the Problems] In order to solve the above problems, it is necessary to clarify the problems.
It is effective to analyze the current crime.

First, abduction is one similar example. In this case, since the person does not carry a large amount of money, he / she requests a ransom from a third party, and the delivery of the ransom is a major factor in the failure of this crime. In addition, in the case of cash cards, etc., it is necessary to go to a place with an automatic drawer etc. in order to obtain cash, but it is monitored by security cameras etc. In many cases. Also, if you drop it, you can contact them so that they will not be able to withdraw, and you will be protected from damage. In other words, when it comes to obtaining money, it is difficult to obtain it without the knowledge of a third party, which is the stopping of crimes.

On the other hand, one feature of electronic money is that money is exchanged through a network. To achieve this, it is important that individuals be able to handle cash at the same level as cash is taken out of their wallets. In other words, it is an important point to realize it with a device that can be used like a wallet, but it is not costly to provide this device with security equipment such as the above-mentioned automatic drawer. Further, even if the amount of the IC card worn directly is small, the victim can be forced to withdraw it by electronic means. At this time, no involvement other than the criminal and the victim is necessary. In other words, at present, although it is realized as security at the electronic money system level (forgery prevention, etc.), it is insufficient as security at the individual level (owner of electronic money).

To solve this problem of electronic money, the owner himself / herself provides the electronic money medium (IC card) with a lock mechanism that cannot be released by the owner himself in an emergency, and the release of the lock mechanism ensures security. It is realized by allowing only a place or a third party to do it. The locking method can be completely inaccessible, accessible but an alarm is issued, inaccessible deposit, etc.

As described above, if the lock mechanism that cannot be released by the person himself is provided and this lock mechanism is operated when attacked, the electronic money IC card becomes inaccessible or can be accessed. You're in a situation where you'll discover a crime or only get a certain amount of money. Therefore, even if you take the risk of being caught in a crime, you will only get a little profit, and requesting a third party to release it in order to make a big profit will make you aware of the crime, so you can stop the crime. The effect is obtained.

Further, when the lock mechanism is not operating, there is no factor that hinders the characteristics of electronic money currently considered. Therefore, even at the individual level, it is possible to enjoy the merits considered for electronic money without encountering the above-mentioned dangerous situations.

[0013]

Embodiments of the present invention will be described below.
1 to 8 show an embodiment of the present invention. 1 to 3
Is an example of an electronic money IC card having the lock mechanism of the embodiment. Reference numeral 1 is an electronic money IC card main body storing electronic money data, 2 to 6 are lock switches, 7 is an electronic money card access device, 8 and 10 are keypads, and 9 is an electronic money card access device exclusively for unlocking. , 11 is a security video camera attached to the unlock-only electronic money card access device 9, 12 is an electronic money center, and 13 is a network connecting the electronic money card access device 7 and the electronic money center 12. FIG.
Shows a state in which the electronic money IC card 1 is inserted into the electronic money card access device 7 to exchange electronic money. 5 and 6 are operation mode tables of the electronic money IC card 1, FIG. 7 is an electronic money card access device dedicated to unlocking, and FIG. 8 is an electronic money system connection diagram.

FIG. 1A shows electronic money I in a normal state.
It is C card 1. In this example, the number of lock switches is one, and the lock switch 2 is not pressed. FIG. 1 (b) shows a state where the lock switch 2 is pressed down, whereby the security lock of the electronic money IC card 1 is turned on. Whether the lock switch 2 remains in the state of FIG. 1B or returns to the state of FIG. 1A when the lock switch 2 is released after being pressed with a finger or the like depends on the selection of the switches. Is possible. 1 (a) has a feature that the locked state does not need to be known, and FIG. 1 (b) has a feature that the locked state can be positively notified, and corresponds to the type of access prohibition described later. Then, it becomes possible to make an appropriate selection.

FIG. 2 shows an embodiment in which there are two lock switches. Only when the lock switch 3 and the lock switch 4 are pressed at the same time, the lock state is established. In this example as well, two types of states after the lock switch 3 and the lock switch 4 are pressed can be selected, as in the example of FIG. In this example, the lock state is prevented by only pressing one of the lock switch 3 and the lock switch 4, so that an erroneous operation can prevent an erroneous lock state. The operation modes of the electronic money IC card 1 at these times are shown in FIG.
Shown in

Although FIG. 3 has two lock switches, FIG.
Unlike the above, even if only one lock switch is pressed, the lock state is set. However, the access prohibition mode can be selected by the pressed lock switch. The operation mode in this case is shown in FIG.

FIG. 4 shows an electronic money card access device 7.
Then, the electronic money IC card 1 is inserted, and the password and the amount of electronic money are input by the keypad 8 to exchange electronic money. FIG. 8 is a system diagram in which the electronic money card access device 7 and the electronic money center 12 are connected, and it is possible to easily access through the network or the public network 13.

FIG. 7 shows an electronic money card access device 9 exclusively for unlocking, which has the same basic function as the electronic money card access device 7, but is equipped with a security video camera 11 similar to the current cash withdrawing device. Monitor the status of unlocking.

The access prohibition state when locked is that all access to the electronic money card is prohibited, an alarm is issued when download access from the center is performed, and electronic money download from the center is prohibited. The electronic money center 12 detects any of the security lock states when it tries to download the electronic money to the electronic money IC card 1, and thereby takes any one of the above three ways. .

In the case where the entire access is prohibited, even if the owner inputs a password and tries to transfer from the electronic money card access device 7 to another electronic money IC card 1, the electronic money is transferred and the contents are confirmed. I can not do anything. Therefore, even if the owner is forced by a criminal and enters a correct password, the owner will not be robbed of the electronic money.

If an alarm is issued when a download access is made, it is found that a crime may have been committed, so the access in this case is different from usual access.
Leaving access records makes it possible to prove that you were victim of a crime.

When the electronic money download from the center is prohibited, the electronic money stored in the current electronic money IC card 1 is given up, but the property in the electronic money center 12 is not damaged. It is possible to minimize the damage. In this case, by giving a small amount of electronic money to the criminal, it is effective in suppressing the damage such as injury.

To release the security lock, in addition to the method using the electronic money card access device 9 for unlocking shown in FIG. 7, another unlocking password different from the normal access password is set, and this password can be used only by the owner. It should be remembered that a method of canceling the password by inserting the password in the electronic money card access device 7 may be adopted. Whichever method is used, when a crime such as the one shown above is encountered, unlocking the security lock makes a third party aware that there is a crime, so discourage such crime. effective. This effect is equivalent to the effect obtained by the current security cameras and the like.

Within the above-mentioned range, when the security lock is not applied, there is no element that restricts the usage similar to the current cash card, prepaid card, credit card, and further, the security lock mechanism shown in the present invention. It is self-evident that it does not hinder the functions under consideration in the electronic money system without.

[0025]

According to the present invention, the risk of the owner of an electronic money IC card encountering a crime such as robbing of electronic money is reduced, and even if a crime is encountered, the damage can be reduced. Becomes

[Brief description of the drawings]

FIG. 1 is an external view showing an example of an electronic money IC card with a lock mechanism.

FIG. 2 is an external view showing an example of an electronic money IC card with a lock mechanism.

FIG. 3 is an external view showing an example of an electronic money IC card with a lock mechanism.

FIG. 4 is a perspective view showing an electronic money card access device.

FIG. 5 is a diagram showing an operation mode of an electronic money IC card.

FIG. 6 is a diagram showing an operation mode of an electronic money IC card.

FIG. 7 is a perspective view showing an electronic money card access device exclusively for unlocking.

FIG. 8 is a diagram showing an example of an electronic money system.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Electronic money IC card, 2 to 6 ... Lock switch, 7 ... Electronic money card access device, 8 ... Keypad, 9 ... Unlocking dedicated electronic money card access device, 10 ... Keypad, 11 ... Unlocking dedicated electronic money Security video camera with card access device, 12 ...
Electronic money center, 13 ... Network.

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁶ Identification number Internal reference number FI Technical display location G07F 7/08 G06F 15/30 330 G09C 1/00 630 350A 660 G06K 19/00 P H04L 9/10 G07F 7/08 Z H04L 9/00 621A

Claims (3)

[Claims] 1. An electronic money system comprising an electronic money card for storing electronic money and a reading device, wherein a lock switch is provided on the electronic money card, and when the lock switch is in an operating state, the electronic money card transfers the electronic money. An electronic money security system characterized in that access for data extraction, writing, and content confirmation is prohibited, and the lock switch operation is released using a dedicated release device. 2. An electronic money system comprising an electronic money card for storing electronic money and a reading device, wherein the electronic money card is provided with a lock switch, and when the lock switch is in an operating state, the electronic money card outputs the electronic money. An electronic money security system characterized in that access to data retrieval and writing is prohibited, and the lock switch operation is released using a dedicated release device. 3. An electronic money system comprising an electronic money card for storing electronic money and a reading device, wherein a lock switch is provided on the electronic money card, and when the lock switch is in an operating state, the electronic money card transfers the electronic money. An electronic money security system characterized in that access to write data is prohibited and the lock switch is released by using a dedicated release device.