JP2001266230A - Prepaid card settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To structure and electronic settlement system with high security by not using a debit card as a settlement card, but using a scattered disposable type prepaid card which is neither altered nor forged for clearing regarding a purchase of an article and purchasing the prepaid card with a debit card, etc. SOLUTION: The debit card, etc., is set on an ATM terminal of a settlement bank where the debit card, etc., is usable and a specific password code is inputted to purchase a prepaid card which is usable within a specific amount range of money. The information recorded on this prepaid card is composed of usable amount information other than ID information including personal information of the debit card and identification number information exclusive to the prepaid card, and the exclusive identification number information is a combination of the usable amount and a password code that the prepaid card purchaser optionally sets.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a method for purchasing a prepaid card using a cash card, a debit card, or a credit card (hereinafter referred to as a debit card, etc.).
The present invention relates to a system for paying a purchase price for a product or the like using the purchased prepaid card, and particularly to a sophisticated electronic commerce transaction in which the risk of personal information or ID information of a debit card or the like being stolen or imitated is extremely small. The present invention relates to a prepaid card payment system that can realize security.

[0002]

2. Description of the Related Art In recent years, the commercial use of the Internet has become widespread, and various services using a network have been provided.

[0003] For example, a homepage or ftp site is provided on the Internet, and sales by downloading programs and image data, pay sites that provide securities and economic information, etc. for a fee, or products that are sold individually through virtual stores on the Internet. The system which purchases in the market has appeared.

[0004] By the way, what is problematic in buying and selling such various forms of commodities is the payment method. That is, the Internet is, as is well known, constructed of an infinite number of LANs and an infinite number of servers, and data is divided into packets and passed through an unspecified number of servers. In general, the confidentiality of the communication path is not guaranteed because the communication path is sent to the target host. At the same time, as a form of payment, payment using a credit card has conventionally been common, so that a third party can purchase information and credit card security information (name, credit card number, personal identification number) along the route. Etc.) are frequently reported to third parties, and the current situation is that this third party has forged counterfeiting of the leaked credit card information and purchased expensive items. At present, there is no definitive system for such misconduct.

The present invention has been made in view of the above situation, and an object of the present invention is to provide a prepaid card settlement system which can realize the following.

[0006] First, instead of using a debit card or the like as a settlement card, settlement related to the purchase of goods is performed by:
By making a disposable disposable type prepaid card without alteration or forgery and using a system to purchase this prepaid card with a debit card, etc., when purchasing the prepaid card, it is determined whether or not the debit card etc. is a stolen card. This is to prevent fraudulent use of debit cards, etc. by checking beforehand at the settlement bank designated by the owner of the debit card, etc., using a debit card. Therefore, by inputting an identification number unique to the prepaid card, which is difficult for others to find, it is possible to prevent unauthorized use due to theft of the prepaid card.

[0007]

In order to achieve the above object, a prepaid card settlement system according to the present invention comprises:
This debit card is set in an ATM terminal of an available settlement bank such as a debit card, and after a predetermined password is entered and approval is obtained, the prepaid card can be used within a desired amount of money. The information recorded on the sold prepaid card is the available amount information other than the ID information including personal information such as a debit card, and the identification number information dedicated to the prepaid card. The identification number information includes a combination of the usable amount and a password set exclusively for the prepaid card by the prepaid card purchaser.

[0008] The prepaid card may record credit information, which is usable money information, instead of recording a cash money.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail based on an embodiment shown in the accompanying drawings.

FIG. 1 is a schematic diagram for explaining a prepaid card settlement system of the present invention. An ATM terminal 2 having a cash withdrawing function and a function of issuing a prepaid card 3 is installed in a bank B such as a settlement bank that issues the debit card 1. The debit card 1 is held by a person who has a predetermined account and deposit at the settlement bank. The prepaid card 3 records a credit amount usable as a prepaid card.

[0011] The credit amount is determined by the cardholder himself in a range not more than the amount deposited in the cardholder account of the settlement bank.

[0012] By operating in this way, it is possible to prevent the withdrawal of the usage amount from becoming impossible due to a shortage of the balance beforehand, and it is possible to surely prevent the trouble in the use price withdrawal procedure. Further, since the credit amount recorded on the prepaid card 3 is fixedly processed so that it cannot be cashed unless a cancellation procedure is taken, it is possible to surely prevent a situation where settlement is impossible due to insufficient balance.

In the present invention, a remarkable feature is that a combination of the credit amount and the password for exclusive use of the prepaid card 3 is adopted as an identification number unique to the prepaid card 3.

That is, as shown in FIG. 1, the credit amount is 100,000 yen, and the symbol used as a personal identification number of the prepaid card 3 is, for example, the lucky number of the debit card holder. 5050 ", the password of the prepaid card 3 is" 105,0 ".
Combinations such as "50" and "5050100000" are free. When the prepaid card 3 is purchased from an ATM terminal, the prepaid card 3 is recorded and stored as fixed information in the prepaid card 3, so that even if the prepaid card 3 is used, the password is not changed. ,
It is easy for the card holder to remember. However, the problem is that when a user purchases a product on the Internet with this personal identification number, the identification number composed of the personal identification number and the prepaid card number is stolen, like a credit card.

However, in the case of a credit card, a high-priced shopping with a fake credit card can be performed within the credit limit of the credit card. On the other hand, in the present system, the identification number of the prepaid card 3 is used. In the first place, the personal information and ID information of the debit card or the like are not transcribed on the prepaid card 3 at all, so that the debit card or the like itself is safe. Even if this is the case, the identification information is exclusive for the prepaid card 3 set by the prepaid card purchaser and has no versatility.
Third, if you realize that you have lost or misused the card, you can cancel the credit line at the ATM terminal, and the cash will not be withdrawn. It can only be used illegally within the range of the credit line balance of the card 3, and some of the credit line balance is information known only to the principal or the settlement bank, and can be used by a third party card fraudulent user. Because it is information that cannot be known, imitation and plagiarism require a great deal of labor and expense, and the danger of imitation and plagiarism in conventional systems As compared with, the damages associated with forgery of private documents and fraud in card payment can be greatly reduced.

The prepaid card 3 also records a bank number, a branch number, an ATM terminal number, a prepaid card sequential number, etc., but does not record any other information.

The prepaid card 3 issued in this manner is used for a prepaid card reader / writer device (not shown) on the user terminal side, a debit card settlement system using a mobile phone or the like, or an electronic settlement such as the Internet. Can be.

Next, an example will be described in which the present invention is applied to a case of purchasing a product over a network. First, a user who uses a user terminal (personal computer device) purchases a prepaid card in accordance with the above-described procedure, and replaces the prepaid card 3 with the prepaid card reader / writer device or a portable terminal such as a numeric keypad or a mobile phone. Input with the machine. In this case, the input information is only the prepaid card number and / or the identification information.

Thereafter, when the user accesses the server from the user terminal via the Internet, the server returns a file to the user terminal and displays a homepage for new registration on the WWW browser of the user terminal. This page is a page for performing a new registration and a link to a browse page, and for inputting a registered user name and a password.

When performing the above new registration,
By clicking "User Registration", you can proceed to the registration page. On the registration page, enter the address, name, prepaid card number data, etc., answer the necessary questionnaire, and the server will enter the entered data. Register in the user profile database and give an appropriate login user profile database name and password. Then, the user can proceed to the browse file page. The above operation is performed every time a new prepaid card is purchased and used.

On the other hand, in the case of a user who has already registered, inputting the given login user name and password to the homepage and clicking OK respectively, the data is transmitted to the server, and the user name and password are transmitted. Is confirmed, and if this is confirmed to be correct, the user can proceed to the browse file page.

After viewing the browse file page in this way,
Proceed to search for paid links. That is, by clicking "To paid site" on the browser, the user can proceed to the search page. The search page is provided with, for example, a button for each genre, and is used to search for a desired link destination. be able to. Therefore, when the user clicks the button of interest, the link destination of the genre is searched from the link database, and a list of link destination lists is displayed.

This link destination list displays the names and URLs of the link destinations and the prices of the products. Therefore, for example, when the user clicks on the name field and the product name of the link to be accessed while viewing these link destination data, the click is transmitted to the server, and the server displays the purchased product name and price for each user. And sends the usage fee data to the settlement bank, the pay site and the user terminal.

At this time, the user terminal checks whether or not there is a credit amount corresponding to the usage fee by a reader / writer device for a prepaid card, and then subtracts the credit amount corresponding to the usage price. Immediately sent to the server and the pay site, approval processing is performed.

Then, the server transmits the approval information to the processing bank together with the user name, the identification number of the prepaid card, and the like.

When the payment information is input together with the necessary product shipping information from the server, the pay site starts the process of shipping the purchased product.

On the other hand, the settlement bank checks whether or not this is a legitimate use based on the settlement data from the server.
If this is legitimate, the settlement process is performed within the range of the prepaid card usage limit of the settlement account (of course, within the credit limit), and the usage fee (the commission of the settlement bank or the settlement company on the Internet, etc.) is also added. Is transferred to the bank account specified by the payee at the pay site, thereby completing a series of payment processing.

Since the prepaid card settlement system according to this embodiment is structured as described above, there is no fear that a personal identification number such as a debit card is leaked even when purchasing goods on the Internet. As a result, Even on the Internet where the confidentiality of the communication path is not guaranteed, there is no fear that a debit card or the like is illegally forged or falsified and used, so that a secure electronic transaction can be realized. This is an epoch-making effect that can be achieved only after doing this.

By the way, as the prepaid card 3 which can be used in the present invention, a conventional magnetic card type or an IC card type can be used, but forgery / falsification is surely prevented. In order to
For example, it is desirable to use a capacity data card described in Japanese Patent Application No. 8-39120.

This prepaid card (hereinafter referred to as a fuse card) is for cutting a fuse in accordance with the amount of payment and storing a fractional amount of money. That is, the present fuse card stores a predetermined amount of money (for example, 10,000 yen) in advance and stores a first storage area in which the balance of the amount of money paid using the fuse card can be freely stored. And a storable second storage area.

The present fuse card employs, as the first storage area, a capacitive storage area for storing data depending on the connection / disconnection state of a fuse provided inside the fuse card. The configuration of the capacitive storage area includes, on one surface thereof, a plurality of first electrodes arranged in a line so as to match the electrode arrangement of the input / output unit of the reading device. A long second electrode arranged in parallel is arranged. Each first electrode and the second electrode are connected by a fuse. When the fuse is intact, a current flows freely between the first electrode and the second electrode, and the fuse has a very small resistance. If the fuse is blown, it will cause a sufficient resistance increase to reduce the flow of current.

In the circuit formed in this manner, when the fuse is burned out by applying a current at an optimum voltage (12 to 16 V), the fuse becomes used, and the unburned state becomes an unused bit. A 1-bit signal is provided by a closed circuit. Therefore, by forming an arbitrary number of closed circuits, a signal having a required number of digits can be stored.

The first storage area may be an IC for electrically storing data by an integrated circuit provided inside the fuse card, in addition to the capacitive storage area.
Conventionally known storage means such as a storage area, a magnetic storage area using a magnetic storage track provided inside or outside the fuse card P can be employed. From the viewpoint of preventing forgery and alteration of the fuse card, it is preferable to employ the above-mentioned capacitive storage area.

On the other hand, the second storage area is provided with magnetic tracks according to the storage amount. In the present embodiment, as the magnetic storage area constituting the second storage area, one coated with a thermoplastic thermosensitive recording material is employed.

However, in the present fuse card, in addition to the above-mentioned fractions, for example, data relating to the source of the debit card, such as the personal identification number and personal information used by the owner of the fuse card, shall not be stored. I do.

In the above embodiment, the prepaid card 3
Has been described by taking as an example the case where the available credit information is recorded and used.However, the present invention is not limited to this, and is similar to a conventional prepaid card which records a cash amount as it is. It may be configured and applied.

In the case of the prepaid card according to the present invention, if the prepaid card 3 on which the recorded money amount information or credit information is recorded is to be cashed, the prepaid card is left with the remaining money. Insert the prepaid card 3 together with the debit card 1 into the ATM terminal 2 of the bank where the prepaid card 3 was purchased, enter the PIN of the debit card 1, and if this matches, the prepaid credit limit for the account It can also be configured to be able to be withdrawn as cash within the balance range of. Of course, the record of the prepaid card 3 after being cashed is processed to an unusable state, and the information is also sent to a predetermined organization such as a bank.
A predetermined unavailable process is performed. Thereby, the security of the prepaid card 3 itself is greatly improved.

[0038]

As described above, according to the present invention, the so-called disposable disposable method in which a payment made by purchasing a product is purchased by a debit card or the like instead of using a debit card or the like as a payment card. In addition to a prepaid card of the type, the identification number of the prepaid card can be a combination of arbitrary amount information within the credit range and a personal identification number dedicated to the prepaid card. In addition, the risk of misuse after the prepaid card is stolen is extremely small, and extremely high security can be established.

[Brief description of the drawings]

FIG. 1 is a schematic diagram illustrating a system according to an embodiment of the present invention.

[Explanation of symbols]

 Bank B 1 Debit card 2 ATM terminal 3 Prepaid card

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Claims (2)

[Claims] 1. A cash card, a debit card or a credit card is set in an ATM terminal of a settlement bank which can use the cash card, the debit card or the credit card. After that, the prepaid card is sold in a state where it can be used within a desired amount, and the information recorded on the sold prepaid card is other than ID information including personal information of a cash card, a debit card, and a credit card. The above-mentioned available amount information and the identification number information dedicated to the prepaid card, and the identification number information dedicated to the prepaid card is a combination of the available amount and a password set exclusively for the prepaid card by the prepaid card purchaser. A prepaid card settlement system comprising: 2. The prepaid card settlement system according to claim 1, wherein the usable amount is not a cash amount but credit information as usable amount information.