JP2000172914A - Host device, ic card processing terminal, and electronic commercial transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a wrong use of a lost IC card and to make it impossible to use the lost IC card itself. SOLUTION: Discrimination data stored in a first storage means 30 for lost IC card data in the host device 15 is transmitted to the IC card processing terminal 1 and is stored in a second storage means 13 for lost IC card data in the IC card processing terminal 1. If any of discrimination data stored in the second storage means 13 for lost IC card data coincides with discrimination data of a read IC card or use inhibition data are given to the read IC card, a transaction is stopped. Thus, a wrong use of the lost IC card is prevented, and the lost IC card itself is made unusable.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an electronic commerce system for performing settlement of transactions with an IC card storing data functioning as electronic money, and a host device and an IC card processing terminal constituting the electronic commerce system.

[0002]

2. Description of the Related Art Today, electronic commerce systems using IC cards that can be electronically settled instantly using electronic money having a cash value equivalent to the cash instead of cash are widely known. The IC card used in this e-commerce system is like a wallet in which the amount withdrawn from one's bank account through a dedicated terminal such as an ATM or a dedicated telephone network is converted into electronic money as electronic data and stored. It is. That is, when purchasing goods at a store or the like, the settlement of the transaction is established by moving the electronic money of the IC card to the store via an IC card reader / writer provided at the store.

[0003]

However, in the case of settlement of a transaction using an IC card storing electronic money, authentication is often unnecessary in consideration of user's convenience. Therefore, if you accidentally lose your IC card,
If the C card is stolen, there is a problem that the remaining amount of the electronic money stored in the IC card is easily illegally used by a finder or the like, like cash.

An object of the present invention is to provide an electronic commerce system capable of preventing unauthorized use of a lost IC card, and a host device and an IC constituting the electronic commerce system.
Is to get a card processing terminal.

[0005] It is an object of the present invention to provide an electronic commerce system that can make use of a lost IC card itself impossible, and a host device and an IC card processing terminal that constitute the electronic commerce system.

An object of the present invention is to provide an electronic commerce system capable of guaranteeing the owner of a lost IC card the remaining amount of electronic money stored in the lost IC card, and an electronic commerce system. The goal is to obtain a host device and an IC card processing terminal.

[0007]

According to a first aspect of the present invention, there is provided a host device for connecting a line to an IC card processing terminal for reading and writing data from / to an IC card storing at least electronic money amount data and identification data. A lost IC card data first storage unit for storing identification data of a lost IC card; and a lost IC card data transmitting terminal for transmitting the identification data stored in the lost IC card data first storage unit to the IC card processing terminal. IC card data transmission means.

Therefore, when the IC card is lost, the identification data of the lost IC card is stored in the lost IC card.
The card data is stored in the first storage means. And
The identification data stored in the lost IC card data first storage means is stored in an IC
Sent to the card processing terminal. This makes it possible for the IC card processing terminal to perform the collation processing of the lost IC card.

According to a second aspect of the present invention, there is provided an IC card processing terminal for reading and writing data from / to an IC card storing at least electronic money amount data and identification data.
An IC card processing terminal for generating sales data relating to the electronic money and transmitting the generated sales data to the host device, wherein the lost IC card data storing identification data of the lost IC card transmitted from the host device. The storage means and the read identification data of the IC card store the lost IC card.
Lost card determination means for determining whether any of the identification data stored in the card data second storage means matches the identification data of the IC card;
A transaction stopping means for stopping the transaction when the lost card determining means determines that the data matches one of the identification data stored in the card data second storage means.

Therefore, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. And this lost I
If any of the identification data stored in the C card data second storage means matches the read identification data of the IC card, the transaction is stopped. This prevents unauthorized use of the lost IC card.

According to a third aspect of the present invention, there is provided an IC card processing terminal for reading and writing data from / to an IC card storing at least electronic money amount data and identification data.
An IC card processing terminal for generating sales data relating to the electronic money and transmitting the generated sales data to the host device, wherein the lost IC card data storing identification data of the lost IC card transmitted from the host device. The storage means and the read identification data of the IC card store the lost IC card.
Lost card determination means for determining whether any of the identification data stored in the card data second storage means matches the identification data of the IC card;
When the lost card determination unit determines that the IC card matches any of the identification data stored in the card data second storage unit, use inhibition data indicating that the IC card cannot be used is assigned to the IC card. Use prohibition data providing means.

Accordingly, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. And this lost I
When any of the identification data stored in the C card data second storage means matches the identification data of the read IC card, use prohibition data indicating that the IC card cannot be used is added to the IC card. You. This makes it possible to restrict the use of the IC card.

According to a fourth aspect of the present invention, there is provided an IC card processing terminal which reads and writes data from / to an IC card storing at least electronic money amount data and identification data.
An IC card processing terminal for generating sales data relating to the electronic money and transmitting the generated sales data to the host device, wherein the lost IC card data storing identification data of the lost IC card transmitted from the host device. The storage means and the read identification data of the IC card store the lost IC card.
Lost card determination means for determining whether any of the identification data stored in the card data second storage means matches the identification data of the IC card;
If the lost card determination means determines that the data matches one of the identification data stored in the card data second storage means, the transaction suspension means for suspending the transaction; If the lost card determination unit determines that the IC card matches one of the identification data stored in the second storage unit, use inhibition data indicating that the IC card cannot be used is assigned to the IC card. Data providing means.

Therefore, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. And this lost I
If any one of the identification data stored in the C card data second storage means matches the read identification data of the IC card, the transaction is stopped and use prohibition data indicating that the IC card cannot be used. Is given to the IC card. This prevents unauthorized use of the lost IC card and restricts use of the IC card.

According to a fifth aspect of the present invention, there is provided the IC card processing terminal according to the third or fourth aspect, wherein the use prohibition data provided by the use prohibition data provision means is added to the read IC card. When the use prohibition data determination unit determines that the use prohibition data is given to the read IC card,
Transaction stopping means for stopping the transaction.

Therefore, if the use prohibition data is given to the read IC card, the transaction is stopped. This makes it impossible to use the lost IC card itself.

An electronic commerce system according to a sixth aspect of the present invention includes the host device according to the first aspect and the IC card processing terminal according to any one of the second to fifth aspects.

Therefore, the identification data stored in the lost IC card data first storage means of the host device is the same as the lost IC card data.
The data is transmitted to the IC card processing terminal by the card data transmitting means, and is stored in the lost IC card data second storage means of the IC card processing terminal. Then, when any of the identification data stored in the lost IC card data second storage means matches the identification data of the read IC card, or the use prohibited data is added to the read IC card. If so, the transaction is aborted. This prevents unauthorized use of the lost IC card and makes it impossible to use the lost IC card itself.

According to a seventh aspect of the present invention, there is provided the electronic commerce system according to the sixth aspect, wherein the electronic card is created by the IC card processing terminal and transmitted from the IC card processing terminal to the host device. Means for providing remaining electronic money amount data to the sales data, and the IC card based on the electronic money amount data added to the sales data transmitted to the host device. And the latest balance data storage means for storing the latest electronic money amount data for each identification data in the host device.

Therefore, the remaining electronic money amount data is added to the sales data, transmitted from the IC card processing terminal to the host device, and stored in the IC card based on the electronic money amount data added to the sales data. The latest electronic money amount data stored in the host device for each identification data guarantees the owner of the lost IC card the remaining amount of the electronic money stored in the lost IC card. It becomes possible.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described with reference to FIGS. The electronic commerce system according to the present embodiment connects one or more IC card processing terminals to a WAN.
(Wide Area Network) to connect to the host computer of the management center.

FIG. 1 is an external perspective view schematically showing the IC card processing terminal 1. The IC card processing terminal 1 has a keyboard 2 on which various keys such as a numeric key are collected.
Printer 3 for printing and issuing slips, LCD (Liquid Cryst
al Display), a display 4 for displaying transaction contents, operation guidance and the like is provided.
An IC card reader / writer 5 for reading and writing data recorded in (see FIG. 3) is connected.

The IC card reader / writer 5 includes:
A keyboard 6 for collecting various keys, a display 7 for displaying transaction details and operation guidance, and a card reader / writer unit 8 for reading and writing electronic money amount data and various data stored in an IC card are provided. Have been.

Next, the electrical connection of each part in the IC card processing terminal 1 will be described with reference to FIGS. The IC card processing terminal 1 includes a microcomputer 9 which is a computer, and the microcomputer 9 includes the keyboard 2, the printer 3, the display 4, the IC card reader
Each part such as the writer 5 is drive-controlled via the bus line 11 and various control circuits (not shown). The microcomputer 9
Is a ROM which is a recording medium for storing fixed data such as a control program in the CPU 10 via the bus line 11.
12 and a RAM 13 for rewritably storing various data
And are connected by In addition, RAM
Reference numeral 13 is backed up by a battery B.
Further, the microcomputer 9 communicates with the communication I via the bus line 11.
/ F14 is connected, and this IC card processing terminal 1
Is connected to a host computer 15 which is a host device provided in the management center through a WAN.

On the other hand, as shown in FIG. 3, a microcomputer 16 which is a computer is built in the IC card reader / writer 5, and the microcomputer 16 includes the keyboard 6, the display 7, the card reader / writer 8 and the like. Are driven and controlled via a bus line 17 and various control circuits (not shown). The microcomputer 16 is configured by connecting a ROM 19 which is a storage medium for previously storing fixed data such as a control program and a RAM 20 for rewritably storing variable data to a CPU 18 via a bus line 17. I have. Further, an I / F 21 for transmitting and receiving data to and from the microcomputer 9 of the IC card processing terminal 1 is connected to the microcomputer 16 via a bus line 17.

Next, the electrical connection of each part of the IC card 22 will be described with reference to FIG. The IC card 22 has a microcomputer 23 built therein.
It is configured by connecting, via a bus line 25, a ROM 26, a RAM 27 that stores a control program in advance, and an EEPROM 28 that is a nonvolatile storage unit to the U 24. Further, an external connection terminal 29 is connected to the microcomputer 23 of the IC card 22, and a signal input from the card reader / writer unit 8 of the IC card reader / writer 5 is input to the microcomputer 23 via the bus line 25. The signal output from the microcomputer 23 is
To the card reader / writer unit 8 via the

Subsequently, the EEPROM 2 of the IC card 22
The IC card data stored in No. 8 will be described. Here, FIG. 5 is a schematic diagram showing the data structure of the IC card data D1 stored in the EEPROM 28. As shown in FIG. 5, this IC card data D1 is
IC card customer number data a, which is identification data assigned to each customer in advance, expiration date data b indicating the expiration date of the IC card 22, and IC card 2
2, an IC card balance data c which is electronic money amount data, currency identifier data d for determining a currency unit of electronic money, and an area for setting a flag functioning as use prohibition data for restricting use of the IC card 22. And a use prohibition flag e.

In addition, a storage device 30 is provided in the host computer 15 of the management center. This storage device 30 stores an IC card lost list file. Here, FIG. 6 shows an IC card lost list file F.
FIG. 2 is a schematic diagram showing a file structure of No. 1; As shown in FIG. 6, the lost IC card list file F1
The IC card customer number data a of the C card is sequentially stored, and the IC card customer number data a of the IC card lost due to the notification of the loss of the card from the user or the like.
Are sequentially registered. That is, the storage device 30
Function as the first lost IC card data storage means. This IC card lost list file F1
Is transmitted from the host computer 15 provided in the management center to the IC card processing terminal 1 via the WAN at a predetermined timing. Here, a lost IC card data transmission unit is realized. On the other hand, the IC card processing terminal 1 to which the card loss list file F1 has been transmitted, stores the transmitted IC card loss list file F1 in the RAM1.
At 3, the memory is updated. That is, the RAM 13 of the IC card processing terminal 1 functions as the second lost IC card data storage unit.

The RAM 13 of the IC card processing terminal 1
In, electronic money sales transmission data, which is sales data relating to electronic money, is created based on the IC card data D1 and the like of the IC card 22 read by the IC card reader / writer 5. Here, FIG. 7 is a schematic diagram showing the data structure of the electronic money sales transmission data D2 created in the RAM 13. As shown in FIG. 7, the electronic money sales transmission data D2 includes a header H including a store number or the like and one or more electronic money sales data I. The electronic money sales data I includes a sales number, sales date and time, IC card customer number data a, expiration date data b, IC card sales amount input by the keyboard 2, IC card balance data c as electronic money amount data, currency identifier. It is composed of data d. Here, a balance data providing means is realized. The electronic money sales transmission data D2 created in this manner is transmitted from the IC card processing terminal 1 to the host computer 15 provided in the management center via the WAN at a predetermined timing. The electronic money sales transmission data D2 transmitted to the host computer 15 is managed, for example, for each IC card customer number data a. Here, FIG.
FIG. 3 is a schematic diagram showing a file structure of an IC card sales management file F2 managed by the host computer 15 for each IC card customer number data a. As shown in FIG.
The C card sales management file F2 manages each data for each IC card customer number data a. IC card customer number data a in IC card sales management file F2
The data managed for each is, for example, the latest sales date / time data f, which is the sales date / time included in the latest electronic money sales transmission data D2, and the latest electronic money sales transmission data D2.
2 includes the latest IC card balance data g, which is the IC card balance data c, and the total IC card sales h, which is the sum of the IC card sales until now. Here, the latest balance data storage means is realized.

Here, the ROM 1 of the IC card processing terminal 1
2 and the control program and IC stored in ROM 19 of IC card reader / writer 5
The control programs stored in the ROM 26 of the card 22 correspond to the microcomputer 9, the microcomputer 16, and the microcomputer 23, respectively.
The function to be executed will be described. The flow of the electronic commerce settlement processing, which is a characteristic function of the present embodiment, will be described below.

FIG. 9 is a flowchart schematically showing the flow of the electronic commerce settlement process. As shown in FIG. 9, in the e-commerce settlement process, when the sales amount, which is the IC card sales amount, is input from the keyboard 2 (step S
1) The sales amount is displayed on the display 4 of the IC card processing terminal 1 or the display 7 of the IC card reader / writer 5.
(Step S2), and waits for acquisition of the IC card data D1 (step S3).

When the IC card 22 is inserted into the card reader / writer unit 8 of the IC card reader / writer 5 and the IC card data D1 is acquired via the card reader / writer unit 8 (Y in step S3), the acquired IC It is determined whether or not the use prohibition flag e of the card data D1 is set (step S4). Here, the function of the use prohibition data determining means is executed. If the use prohibition flag e of the obtained IC card data D1 is not set (N in step S4), the IC card customer number data a of the obtained IC card data D1 is stored in the RAM 13 of the IC card processing terminal 1. It is determined whether or not the stored IC card loss list file F exists (step S5). Here, the function of the lost card determination means is executed. If the IC card customer number data a of the acquired IC card data D1 is not present in the IC card lost list file F (N in step S5), the use of the IC card 22 is determined to be appropriate and the IC card 22 is used. I
The sales amount input by the keyboard 2 is moved from the IC card balance data c of the C card data D1, and the IC
The card balance data c is updated (step S6), and a slip is printed and issued by the printer 3 (step S7).
The process ends.

On the other hand, I of the acquired IC card data D1
If the C card customer number data a exists in the IC card lost list file F (Y in step S5), the IC
Since the card 22 is regarded as being used illegally, a flag is written in the use prohibition flag e of the IC card data D1 of the IC card 22 (step S8). Here, the function of the use prohibition data providing means is executed. Thereafter, the transaction is stopped (step S9). Here, the function of the transaction suspension means is executed.

Also, if the use prohibition flag e of the acquired IC card data D1 is flagged (Y in step S4), the IC card 22 is regarded as being used illegally, and the transaction is not performed. Cancel (Step S
9). Here also, the function of the transaction suspension means is executed.

Therefore, if the IC card 22 storing the IC card customer number data a as identification data and the IC card balance data c as electronic money amount data is lost, the IC card of the lost IC card 22 is lost. The customer number data a is stored as an IC card loss list file F1 in the storage device 30 of the host computer 15 provided in the management center. Further, the IC card customer number data a stored in the storage device 30 of the host computer 15 is transmitted to the IC card processing terminal 1,
It is stored in the RAM 13 of the C card processing terminal 1. Then, one of the IC card customer number data a stored in the RAM 13 and the IC
If the card customer number data a matches, or if the read prohibition flag e of the IC card 22 is flagged, the transaction is stopped. This prevents unauthorized use of the lost IC card 22 and makes it impossible to use the lost IC card 22 itself.

In addition, the IC card balance data c, which is electronic money amount data, is added to the electronic money sales transmission data D2, transmitted from the IC card processing terminal 1 to the host computer 15, and the transmitted IC card balance data The latest IC card balance data g based on c is stored in the host computer 15 for each IC card customer number data a, so that the owner of the lost IC card 22 is stored in the lost IC card 22. The balance of the electronic money can be guaranteed by referring to the latest IC card balance data g.

[0037]

According to the first aspect of the present invention, when an IC card is lost, the lost IC card is used.
The identification data of the card is stored in the lost IC card data first storage means, and the identification data stored in the lost IC card data first storage means is transmitted to the IC card processing terminal, thereby verifying the lost IC card. Can be performed in the IC card processing terminal.

According to the IC card processing terminal of the present invention, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. If any of the identification data stored in the two storage means matches the read identification data of the IC card, the transaction is stopped, thereby preventing unauthorized use of the lost IC card.

According to the IC card processing terminal of the present invention, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. (Ii) If any of the identification data stored in the storage means matches the read identification data of the IC card, the IC card is provided with use prohibition data indicating that the IC card cannot be used. The use of cards can be restricted.

According to the IC card processing terminal of the present invention, the identification data of the lost IC card transmitted from the host device is stored in the lost IC card data second storage means. (Ii) If any of the identification data stored in the storage means matches the read identification data of the IC card, the transaction is stopped, thereby preventing unauthorized use of the lost IC card and preventing the IC card from being used illegally. By giving to the IC card use prohibition data indicating that the card cannot be used, use of the IC card can be restricted.

According to the IC card processing terminal of the invention described in claim 5, in the IC card processing terminal according to claim 3 or 4, if the use prohibition data is added to the read IC card, the transaction is prohibited. By canceling
Use of the lost IC card itself can be made impossible.

According to the electronic commerce system of the present invention, the identification data stored in the lost IC card data first storage means of the host device is transmitted to the IC card processing terminal, and the lost IC card data of the IC card processing terminal is transmitted. When any of the identification data stored in the card data second storage means and the identification data stored in the lost IC card data second storage means match the identification data of the read IC card, or when the read IC card If the use prohibition data is given, the transaction is stopped and the lost IC
Cards can be prevented from unauthorized use, and lost ICs
The use of the card itself can be disabled.

According to the electronic commerce system of the present invention, in the electronic commerce system of the present invention, the remaining electronic money amount data is added to the sales data, and the IC card processing terminal sends the data to the host device. By transmitting and storing the latest electronic money amount data stored in the IC card in the host device for each identification data based on the electronic money amount data given to the sales data,
Lost IC card owner for lost IC card owner
The remaining amount of electronic money stored on the card can be guaranteed.

[Brief description of the drawings]

FIG. 1 is an external perspective view schematically showing an IC card processing terminal according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an electrical connection of each part of the IC card processing terminal.

FIG. 3 is a block diagram showing the electrical connection of each part of the IC card reader / writer.

FIG. 4 is a block diagram showing the electrical connection of each part of the IC card.

FIG. 5 is a schematic diagram showing a data structure of IC card data stored in an EEPROM.

FIG. 6 is a schematic diagram showing a file structure of an IC card lost list file.

FIG. 7 is a schematic diagram showing a data structure of electronic money sales transmission data created in a RAM.

FIG. 8 is a schematic diagram showing a file structure of an IC card sales management file managed by a host computer for each IC card customer number data.

FIG. 9 is a flowchart schematically showing a flow of an electronic commerce settlement process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card processing terminal 13 Lost IC card data second storage means 15 Host device 22 IC card 30 Lost IC card data first storage means D2 Sales data relating to electronic money a Identification data c Electronic money amount data e Unusable data

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 15/30 350Z F-term (Reference) 3E044 AA00 AA09 BA04 BA06 CA06 DD01 DE01 5B049 BB11 BB46 CC31 CC39 DD01 DD04 EE22 FF02 FF04 FF08 GG04 GG07 5B055 BB10 CB09 EE06 EE21 EE27 FA04 JJ03 KK05 KK09 KK15 ND01 PA05 PA35 5B058 KA31 YA02

Claims (7)

[Claims] 1. A host device for connecting a line to an IC card processing terminal for reading and writing data from / to an IC card storing at least electronic money amount data and identification data, and stores identification data of a lost IC card. Lost IC card data first storage means, and a lost IC for transmitting the identification data stored in the lost IC card data first storage means to the IC card processing terminal.
A host device comprising: card data transmission means. 2. An IC card processing terminal for reading and writing data on an IC card storing at least electronic money amount data and identification data, generating sales data relating to the electronic money, and transmitting the sales data to the host device. Wherein the lost IC card data second storage means for storing the lost IC card identification data transmitted from the host device, and the read IC card identification data stored in the lost IC card data second storage means Lost card determination means for determining whether or not the identification data matches any of the identified identification data; and identification data of the read IC card matches any of the identification data stored in the lost IC card data second storage means. Then, a transaction stopping means for stopping the transaction when judged by the lost card judging means. Processing terminal. 3. An IC card processing terminal that reads and writes data from and to an IC card that stores at least electronic money amount data and identification data, creates sales data related to the electronic money, and transmits the sales data to the host device. Wherein the lost IC card data second storage means for storing the lost IC card identification data transmitted from the host device, and the read IC card identification data stored in the lost IC card data second storage means Lost card determination means for determining whether or not the identification data matches any of the identified identification data; and identification data of the read IC card matches any of the identification data stored in the lost IC card data second storage means. Then, when judged by the lost card judgment means, it indicates that the IC card cannot be used. An IC card processing terminal comprising: a use prohibition data providing unit for providing use prohibition data to the IC card. 4. An IC card processing terminal for reading and writing data from / to an IC card storing at least electronic money amount data and identification data, generating sales data relating to the electronic money, and transmitting the sales data to the host device. Wherein the lost IC card data second storage means for storing the lost IC card identification data transmitted from the host device, and the read IC card identification data stored in the lost IC card data second storage means Lost card determination means for determining whether or not the identification data matches any of the identified identification data; and identification data of the read IC card matches any of the identification data stored in the lost IC card data second storage means. Then, if the lost card determining means determines, the transaction stopping means for stopping the transaction, and the read IC card If the lost card determination means determines that the identification data of the card matches one of the identification data stored in the lost IC card data second storage means, use prohibited indicating that the IC card cannot be used. An IC card processing terminal comprising: use prohibition data providing means for providing data to the IC card. 5. A use prohibition data determining means for determining whether or not the use prohibition data provided by the use prohibition data provision means is provided to the read IC card; and the use prohibition data is provided on the read IC card. 5. The IC card processing terminal according to claim 3, further comprising: a transaction suspension unit that suspends a transaction when the use prohibition data determination unit determines that the service card is provided. 6. An electronic commerce system comprising: the host device according to claim 1; and the IC card processing terminal according to any one of claims 2 to 5. 7. A balance data providing means for providing remaining electronic money amount data to the sales data created by the IC card processing terminal and transmitted from the IC card processing terminal to the host device; The latest electronic money amount data stored in the IC card is stored in the host device for each identification data based on the electronic money amount data given to the sales data transmitted to the host device. 7. The electronic commerce system according to claim 6, further comprising a balance data storage unit.