JP2000222541A - Ic card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which prevent a wrong use of an IC card to reduce the loss of a credit card company due to the wrong use at the time of applying the IC card to a credit card or the like and secures a higher safety in comparison with a credit card using a magnetic card by adding an information input element to the IC card and performing the identity verification on an IC card user. SOLUTION: An IC card 100 is provided with an information input element 110 in a position other than a connection terminal 130. As for the processing of an incorporated microcomputer, the processing for identity verification to check the coincidence between holographic feature points of a signature written on the information input element with a pen or the like and preliminarily recorded holographic feature points at the time of using the IC card is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an IC card capable of personal authentication by inputting a signature, and more particularly, to an IC card which is used only when the user of the IC card inputs a signature and is authenticated. The present invention relates to an IC card in which the function of the IC card is valid.

[0002]

2. Description of the Related Art A general method and apparatus for personal authentication using a combination of an IC card and fingerprint collation are disclosed in
JP 187976, JP 10-187969, JP 5 81489, JP 8-3151
No. 38, and the like.

[0003]

However, of the above publications, Japanese Patent Laid-Open Publication No.
A general method and technique for personal authentication combining a C card and fingerprint collation are described. In this method, I
It is possible to provide a highly secure personal authentication system by combining the C card and the fingerprint collation.

Japanese Patent Application Laid-Open No. Hei 10-187969 discloses a system for collating signature data of a holder stored in an IC card with signature data manually input to a signature collation terminal. JP-A-5-814
No. 89 and JP-A-8-315138 compare the signature data stored in the IC card with the signature data written on the coordinate detector, tablet, etc., as in the above-mentioned publication, and hold the card. A technique for distinguishing a person is described. However, all of the above publications require a signature input device in addition to a card reader.

[0005] It is an object of the present invention to perform personal authentication of a user of an IC card by adding an information input element to the IC card. Not only prevent and reduce credit card company losses due to unauthorized use,
An object of the present invention is to provide a system that secures higher security than a conventional credit card using a magnetic card.

[0006]

In order to achieve the above object, an IC card according to the present invention comprises, as basic means, information input means for inputting handwriting information, and input information analysis means for analyzing the input handwriting. And a recording medium for storing handwriting feature point information for performing personal authentication, and comparing handwriting feature point information output from the input information analysis means with handwriting feature point information read from the recording medium, and connecting to a connection terminal. It is provided.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described with reference to FIG. In the embodiment shown in FIG. 1, a case will be described in which the present invention is applied to an IC card capable of performing personal authentication by inputting a signature. Figure 1 shows an I that allows personal authentication by signature input.
It is a figure showing appearance of a C card. In FIG. 1, 100
Is an IC card, 105 is an IC card surface (information input element surface), 110 is an information input element, 130 is a connection terminal, 1
Reference numeral 35 denotes the back surface (connection terminal surface) of the IC card.

First, the external shape of the IC card 100 shown in FIG. 1 will be described. The IC card 100 is, for example,
An IC card based on ISO / IEC7816-3.
Its size is a rectangle of about 86 mm × 54 mm, the thickness of the card is about 0.8 mm, and the IC card 100 has metal connection terminals 130 on the back surface (connection terminal surface) 135. When the IC card 100 is inserted into the IC card reader, the connection terminal 1 is in contact with the connection terminal of the IC card reader.
It operates by receiving power supply via the power supply 30.

The IC card 100 has an information input device 110 of, for example, a resistive film type, a capacitive type, a semiconductor type, etc., in which a signature can be inputted with, for example, a plastic pen. It has become. The position of the information input element 110 is, as shown in FIG.
The surface (information input element surface) 105 of the IC card without 30
Has been described as an example, but the IC card 100
It may be located at a position other than the connection terminal 130, for example, on the side where the connection terminal 130 is located, that is, on the back surface (connection terminal surface) 135 of the IC card.

FIG. 2 is a view showing the structure of the IC card reader in a state where the IC card 100 shown in FIG. 1 is inserted.
In FIG. 2, 100 is an IC card, 110 is an information input element, 200 is an IC card reader, 210 is a card holder, 220 is a connection terminal, and 230 is an input pen.

The IC card 10 is stored in the IC card reader 200.
0 is inserted, the card holding metal 210
With the C card 100 fixed, the IC card reader 200
Connection terminal 220 of IC card 100 and connection terminal 130 of IC card 100
Mechanical contact is ensured. When the IC card 100 is completely inserted, the terminal of the connection terminal 220 detects the completion of the insertion, and the IC card reader 200 displays the IC card 1
The energization is started for 00.

FIG. 3 is a block diagram showing the internal configuration of the IC card 100 shown in FIG. 3, reference numeral 110 denotes the information input element shown in FIGS. 1 and 2, 120 denotes an information input element control processing circuit, and 130 denotes the connection terminal shown in FIG.
40 is a microcomputer and 150 is a memory.

The IC card 100 is an IC card reader 20
When the IC card reader 200 is inserted at 0, the IC card reader 200 detects this using the connection terminal 220 and starts energizing the IC card 100 via the connection terminal 220. IC
When the card 100 is energized, the reset circuit in the microcomputer 140 detects an increase in the power supply voltage and
Reset all 0s. The initialized microcomputer 140 reads a program in the memory 150 and starts an operation.

FIG. 4 is a flowchart showing the processing operation of the microcomputer 140. 4, step S500 is a start point, step S510 is a program activation process, step S520 is a signature input presence / absence determination process, step S520
530 is a signature input process, step S540 is a process of reading signature feature point information from a database, and step S55.
0 is a database, step S560 is a signature comparison determination process, step S570 is an error notification process, step S5
80 is an IC card process, step S590 is an end process,
Step S600 is the end point.

First, the microcomputer 140 starts the program and initializes variables to be used, creates a table, and the like in a program start processing step S510. At this point the signature has not been entered yet,
The process proceeds to the signature input processing step S530 by the signature input presence / absence determination processing step S520.

The program of the signature input processing step S530 controls the information input element control processing circuit 120 shown in FIG. 3 and waits for signature input. When the information input element 110 detects the signature input by the input pen 230, the information input element 110 transfers the detected handwriting information to the information input element control processing circuit 120. Then, the signature input processing step S
530 reads handwriting information output from the information input element control processing circuit 120, analyzes the handwriting information, and extracts feature points of the handwriting.

Again, signature input presence / absence determination processing step S
The input of the signature is confirmed according to 520. Since the input of the signature is completed this time, the signature feature point information reading processing step S54
Move to 0.

Signature characteristic point information reading processing step S5
40 reads signature feature point information registered in the database in advance in step S550, and compares it with handwriting feature point information analyzed in signature input processing step S530. If a match is found that is equal to or greater than a predetermined criterion, signature comparison determination processing in step S560
The process moves to the IC card processing step S580. On the other hand, if only a match less than the predetermined criterion can be confirmed, the process proceeds to error notification processing S570.

When the process proceeds to the IC card processing step S580 by the signature comparison / determination processing step S560, the normal IC card processing step S580
Communication with the IC card reader 200 via the connection terminal 130 and the connection terminal 220 is permitted, and communication is performed according to a predetermined procedure. Then, when the communication is completed, the process shifts to an end processing step S590.

On the other hand, signature comparison determination processing step S560
When the process proceeds to the error notification process step S570, the communication between the microcomputer 140 and the IC card reader 200 is not permitted, an error message is issued by the error notification process step S570, and the process automatically proceeds to the end process step S590. The end processing step S590 performs processing of writing all processing results to the memory 150,
The process moves to the end step S600.

Next, a credit card settlement system using the IC card 100 will be described with reference to FIG.
FIG. 5 is a block diagram showing a configuration of a credit card settlement system using the IC card 100 shown in FIG.
In FIG. 5, reference numeral 100 denotes the IC card shown in FIG.
0 is the IC card reader shown in FIG. 2, 300 is a terminal device, 310 is a control device, 320 is a communication device, 400 is a center device, 410 is a communication device, 420 is a control device, 43
0 is a customer database.

In the actual system shown in FIG. 5, for example, one or a plurality of center devices 400 and one or a plurality of terminal devices 300 are mutually connected by a communication line. However, FIG. 5 illustrates a situation in which one terminal device 300 is communicating with one center device 400 to simplify the description. In FIG. 5, the IC card 10
For example, a case where 0 is used as a credit card will be described. The terminal device 300 is installed in, for example, a cashier counter of a general retail store.

The IC card 100 is owned by the terminal device 3
00, when shopping at a retail store where the IC card 100 is set up,
00 is required. Then, the IC card 100 is inserted into the IC card reader 200 installed on the cashier counter. As in the case of the IC card reader 200 shown in FIG. 2, the upper half of the socket of the IC card reader 200 is exposed, so that even when the IC card 100 is inserted, the information input element 110 can be seen without being hidden. In state.

If the IC card 100 is the IC card reader 20
When it is inserted into the IC card 100, the IC card 100 is energized, and the microcomputer 140 in the IC card 100 is activated to wait for signature input. Therefore, the owner of the IC card 100 inputs a signature using the input pen 230. When the personal authentication is completed, the IC card 1 is sent via the IC card reader 200.
The personal information in 00, for example, information such as a credit card number and an owner name is transferred to the control device 310.

The control device 310 is provided with a purchase price of a product and an IC.
The personal information read from the card 100 is, for example, encrypted and sent to the communication device 320. Then, the communication device 320
Originates a call to the designated center device 400 to establish communication. Then, the communication device 320 transmits the encrypted payment information.

The communication device 410 in the center device 400
The encrypted payment information is received via the connected communication line, and transferred to the control device 420. Control device 420
Decrypts the received payment information, extracts the purchase price of the product, the credit card number read from the IC card 100, and the owner's name, searches the customer database 430, for example, the upper limit of the purchase price, credit liability, etc. Will be reviewed. Then, when the purchase of the product is permitted, the customer database 430 is updated, and a permission message is issued.

The control device 420 in the center device 400
The information of the examination result is encrypted and transferred to the communication device 410. The communication device 410 transmits the encrypted information of the examination result to the terminal device 300 via the communication line. on the other hand,
The communication device 320 in the terminal device 300 that has received the notification transfers it to the control device 310. Then, the control device 310 decrypts the encrypted information of the examination result, and
The cashier counter linked to the terminal device 300 performs a settlement process relating to this transaction based on the examination result transmitted from.

In a conventional magnetic card credit card, personal authentication is generally performed by inputting a personal identification number or signing a printed receipt. However, in the case of inputting a PIN, anyone who knows the PIN can use the credit card by impersonating the person, and if the signature is a printed receipt, the credit card can be used. In many cases, the name of the owner is printed on the surface of the card. For example, a person who has illegally obtained a credit card by picking it up can impersonate and use it. Furthermore, if the owner drops the credit card, it may continue to be used improperly until the credit card company is contacted.Although the credit card company's regulations protect consumers, the credit card company's Loss will occur.

On the other hand, since personal authentication by signature input is required as in the system using the IC card 100 shown in FIG. 5, for example, a person who has obtained the personal identification number of the credit card or the IC card 100 may be picked up. Unauthorized use by unauthorized persons is difficult and it is possible to prevent unauthorized use in advance, not only to reduce the loss of credit card companies due to unauthorized use, but also to use conventional magnetic cards It is possible to provide a system that is more secure than a credit card.

In the embodiment showing the embodiment of the present invention,
As an example of using the IC card 100, a credit card has been described as an example, but the present invention is also applied to those requiring personal authentication of the owner, such as a driver's exemption certificate, an employee card, a membership card, and a health insurance card. It is possible to Further, the present invention can be applied to a prepaid card for paying a usage fee of a public telephone, a train, an expressway, and the like, and electronic money used for electronic commerce on the Internet.

In the embodiment showing the embodiment of the present invention, the personal authentication is limited to the individual. However, for example, when the IC card 100 is applied to a health insurance card, etc. When a common IC card 100 is used by a plurality of persons, it is possible to share the IC card 100 with a plurality of persons by registering the signature of the family in advance.

[0032]

According to the present invention, by adding an information input element to an IC card to perform personal authentication of an IC card user, when this IC card is applied to a credit card or the like, unauthorized use is prevented. It is possible to provide a system that can prevent the problem in advance and reduce the loss of the credit card company due to unauthorized use, as well as ensuring higher security than a conventional credit card using a magnetic card.

[Brief description of the drawings]

FIG. 1 is a diagram showing the appearance of an IC card capable of performing personal authentication by inputting a signature.

FIG. 2 is a diagram showing a structure of an IC card reader in a state where the IC card 100 shown in FIG. 1 is inserted.

FIG. 3 is a block diagram showing an internal configuration of the IC card 100 shown in FIG.

FIG. 4 is a flowchart showing a processing operation of the microcomputer 140;

FIG. 5 is a block diagram showing a configuration of a credit card settlement system using the IC card 100 shown in FIG. 1;

[Explanation of symbols]

REFERENCE SIGNS LIST 100 IC card 105 Surface of IC card (information input element surface) 110 Information input element 120 Information input element control processing circuit 130 Connection terminal 135 Back surface of IC card (connection terminal surface) 140 Microcomputer 150 Memory 200 IC card reader 210 Card holder 220 connection terminal 230 input pen 300 terminal device 310 control device 320 communication device 400 center device 410 communication device 420 control device 430 customer database S500 starting point S510 program start-up process S520 signature input presence / absence determination process S530 signature input process S540 From database Signature feature point information read processing S550 Database S560 Signature comparison determination processing S570 Error notification processing S580 IC card processing S590 End processing S600 End point

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Hiromichi Ito 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture F-term in the Multimedia Systems Development Division, Hitachi, Ltd. 5B035 AA14 BB09 BC00 CA05 CA08 CA12 CA29 CA38

Claims (6)

[Claims] 1. An IC card having a recording medium for storing individual information, information processing means, and a connection terminal, comprising: an information input means; and an input information analysis means. 2. The IC card according to claim 1, wherein said input information analysis means analyzes information input to said information input means, and said information processing means stores information output by said input information analysis means. An IC card which performs a process of validating communication between the outside of the IC card and the information processing means via the connection terminal only when the information read from the recording medium is compared with and matched with the information. 3. The IC card according to claim 1, wherein said input information analyzing means analyzes the handwriting information inputted to said information input means, and said information processing means comprises a handwriting output by said input information analyzing means. Comparing the feature point information with the handwriting feature point information read from the recording medium and performing processing for validating communication between the outside of the IC card and the information processing means via the connection terminal only when they match. Characteristic IC card. 4. The IC card according to claim 1, wherein the information processing means compares the information output by the input information analysis means with the information read from the recording medium, and only when the information matches, the connection terminal. And performing a process of validating a predetermined number of communications between the outside of the IC card and the information processing unit via the IC card. 5. The IC card according to claim 1, wherein the information processing means compares the handwriting feature point information output by the input information analysis means with handwriting feature point information read from the recording medium and matches. A process for validating a predetermined number of communications between the outside of the IC card and the information processing means via the connection terminal. 6. The IC card according to claim 1, wherein an input part of said information input means is provided at a place other than said connection terminal.