JP2002007728A - Electronic money card device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a user with an electronic money card device, with which the user can conveniently read his own electronic money card information, while securing high security functions. SOLUTION: The user operates a portable terminal 6, reads electronic money information stored in a rewritable nonvolatile memory 3 via a radio communication module 2 and can read the electronic money information recorded on his own electronic money card device 1 by displaying an image such as shown in Figure 3 on the display device of the terminal 6. Even though the electronic money information recorded in the memory 3 can be read via the module 2, since the user cannot alter his own electronic money information because the electronic money information is set so as to be incapable of being subjected to update processing.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money card device, and more particularly, to an electronic money card device that allows a user to easily view information recorded on the electronic money card device.

[0002]

2. Description of the Related Art With the recent sophistication and activation of economic activities,
Perform business transactions by exchanging electronic amount data without performing cash settlement in general business transactions,
Payment methods using so-called electronic money cards have been adopted. As this electronic money card, a card having a contact-type electric interface called a smart card is known.

[0003]

However, in an electronic money card such as a smart card, since various kinds of information such as money data are converted into electronic data, the user can obtain information such as the balance of his or her own electronic money card. In order to know the information, it must be performed through a special reader device equipped with an interface for reading information recorded on the electronic money card, and for that purpose, such a reader device is installed There was the inconvenience of having to go to stores and banks.

On the other hand, it is possible to provide the card with an interface that allows the user to easily browse the information recorded on the electronic money card. However, it is necessary to allow an act such as fraudulent data fabrication using the interface. This was also a problem in this regard.

[0005] The present invention has been made in view of such a problem, and it is an object of the present invention to provide an electronic money card recorded on a user's own electronic money card device while maintaining a high security function. It is an object of the present invention to provide an electronic money card device that allows information to be easily browsed, and allows a user himself to easily update and browse accompanying information that is generated with the use of the electronic money card device.

[0006]

In order to achieve the above object, the invention according to claim 1 provides an access unit for accessing transaction information, and an electronic money device and an external device for transmitting and receiving the transaction information. It is characterized by comprising a plurality of interface means for performing an interface, and control means for controlling the interface means by restricting access to the access means.

According to a second aspect of the present invention, in the electronic money card device of the first aspect, the interface means includes a wireless interface.

According to a third aspect of the present invention, in the electronic money card device according to the second aspect, when the interface means is the wireless interface, the control means can only read the transaction information. It is characterized in that it is controlled so that

According to a fourth aspect of the present invention, in the electronic money card device according to the second aspect, when the interface means is a contact type electrical interface, the control means reads the transaction information. It is characterized in that control is performed so as to enable both the update processing and the update processing.

According to a fifth aspect of the present invention, in the electronic money card device according to the second aspect, the access means includes two storage means for storing the transaction information.

According to a sixth aspect of the present invention, in the electronic money card device according to the fifth aspect, when the interface unit is the wireless interface, the control unit is configured to control one of the storage units. Is characterized in that control is performed such that only the transaction information reading process is possible.

According to a seventh aspect of the present invention, in the electronic money card device according to the fifth aspect, when the interface means is the electric interface, the control means controls any one of the storage means. In addition, the control is performed so that both the reading process and the updating process of the transaction information are enabled.

According to an eighth aspect of the present invention, in the electronic money card device according to the second aspect, the transaction information includes electronic money information called money amount data and user personal information data, a store where the product was purchased, and It is characterized by including additional information accompanying the purchasing action including detailed information of the purchased product.

According to a ninth aspect of the present invention, in the electronic money card device according to the eighth aspect, the access means includes two information storage areas for each transaction information to be stored.

According to a tenth aspect of the present invention, in the electronic money card device of the ninth aspect, the control means includes:
When the interface means is the wireless interface, control is performed such that both reading processing and updating processing can be performed on the accompanying information, but only reading processing can be performed on the electronic money information. I do.

According to an eleventh aspect of the present invention, in the electronic money card device of the ninth aspect, the control means includes:
When the interface means is the contact-type electrical interface, control is performed so that both the electronic money information and the accompanying information can be read and updated.

According to a twelfth aspect of the present invention, in the electronic money card device according to the first aspect, the electronic money card device is a smart card.

Here, the "smart card" refers to a card in which a semiconductor chip such as a CPU and a memory is incorporated in a plastic card, and is also referred to as an "IC card".

According to a thirteenth aspect of the present invention, in the electronic money card device according to the second aspect, the wireless interface is Bluetooth.

Here, “Bluetooth” means an unlicensed 2.4 GHz ISM (Industrial Scientific Medica).
l) A new two-way wireless interface technology for short range, using the band as the carrier frequency.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described.
This will be described with reference to the drawings. FIG. 1 is a configuration diagram showing a first embodiment of an electronic money card device with a built-in wireless function according to the present invention. Reference numeral 1 denotes an electronic money card device with a built-in wireless function. This electronic money card device stores a wireless communication module 2 for performing data communication of electronic money information such as amount data and user personal information with a portable terminal 6, and stores electronic money information. Write-once nonvolatile memory (Flash ROM) 3
And a CPU 4 for comprehensively managing and controlling each block constituting the electronic money card device 1 with a built-in wireless function, and a contact-type electric interface 5. Reference numeral 7 denotes a workstation provided with a contact-type electric interface for reading and updating electronic money information recorded in the write-once nonvolatile memory 3.

Here, as the wireless communication module 2,
Use of a wireless telephone device or Bluetooth, which is the above-described two-way wireless interface technology, may be considered. The workstation 7 having the contact-type electric interface is a dedicated terminal installed in a store or a bank that performs settlement using the electronic money card device 1 with a built-in wireless function of the present invention, that is, a reader device. The specifications of the contact electrical interface are generally not disclosed.

A user goes to a favorite store with the electronic money card device 1 with a built-in wireless function, and uses the electronic money card device 1 with a built-in wireless function, for example, to make a shopping or receive a service. At this time, the payment between the user and the store is performed by updating the electronic money information in the workstation 7 by inserting the electronic money card device 1 with a built-in wireless function into the workstation 7, for example, a write-once nonvolatile memory. The processing is performed by deducting an amount equivalent to the price of the purchased commodity from the amount data stored in the memory 3 and moving the amount to the workstation 7.

In order for the user to know information such as the balance and usage history of his / her electronic money card, the user operates the portable terminal 6 and stores the information in the write-once nonvolatile memory 3 via the wireless communication module 2. The electronic money information is read out and displayed on the display device of the portable terminal 6 as shown in FIG. here,
The electronic money information recorded in the write-once nonvolatile memory 3 can be browsed through the wireless communication module 2 but cannot be updated. Information cannot be altered.

This eliminates the need for the user to visit a store or the like where a special reader device is installed in order to know information such as the balance and usage history of his / her electronic money card. You can easily browse your own electronic money information whenever you like. On the other hand, even in security measures, in order to perform unauthorized tampering of electronic money information, it is necessary to obtain the specifications of the contact-type electrical interface 5 and follow a series of decryption procedures. Can be prevented. That is, according to the present invention, it is possible to provide a user with an electronic money card device that can provide a user with a simple money card information browsing function while ensuring a high security function.

FIG. 2 is a block diagram showing a second embodiment of the electronic money card device with a built-in wireless function according to the present invention.
Reference numeral 11 denotes an electronic money card device with a built-in wireless function. The electronic money card device includes a wireless communication module 12 for performing data communication of accompanying information such as electronic money information and details of purchased products with a portable terminal 17 and a personal computer 19; Write-once nonvolatile memory (Flash) for storing electronic money information
ROM) 13 and a write-once non-volatile memory (Flash ROM) for storing accompanying information such as details of purchased products and information of a purchased store, which are generated with use of the electronic money card device. 14, a CPU 15 that manages and controls each block constituting the electronic money card device 11 with a built-in wireless function, and a contact-type electric interface 16. Reference numeral 18 denotes a workstation provided with a contact-type electric interface for reading and updating electronic money information and accompanying information recorded in the write-once nonvolatile memories 13 and 14, and 19 denotes a user managing personal information. This is a personal computer with a built-in wireless communication module for use. As the wireless communication module built in the portable terminal 17 and the personal computer 19, similarly to the wireless communication module 2 in the first embodiment, it is possible to use a wireless telephone device or Bluetooth which is a two-way wireless interface technology.

As in the first embodiment described above, the user
Using the electronic money card device 11 with a built-in wireless function, the user purchases goods via electronic money. When purchasing a product, there is information associated with the purchasing action that is not required for payment, such as details of the purchased product and information on the purchased store. Such ancillary information is not directly necessary for payment using the electronic money card device 11, but may be necessary for consultation on after-care of purchased products, and may be referred to at any time depending on the user. It is also information you want. If such accompanying information is recorded in the electronic money card device 11 together with the electronic money information such as the usage history, the convenience for the user is further increased. However, since the information in the write-once nonvolatile memory 13 cannot be updated from the wireless communication module 12, such additional information is stored in the write-once nonvolatile memory 13 together with the electronic money information. Is recorded, the user cannot freely perform editing work such as writing or deletion, which is not only inconvenient, but also unnecessarily occupies the storage area of the write-once nonvolatile memory 13. There is.

Therefore, in the second embodiment, it is not directly related to the settlement act using the electronic money card device.
In order to store such ancillary information, another write-once nonvolatile memory 14 is provided in addition to the write-once nonvolatile memory 13, and the information therein is transferred to either the communication path of the wireless communication module 12 or the contact type electrical interface 16. When an electronic money card device is used to settle an update, electronic money information important for electronic money transactions is added to the write-once nonvolatile memory 13 and other accompanying information is added when the payment is made using the electronic money card device. In this case, the data is written in the nonvolatile memory 14. Thereby, the user can input the electronic money card device 1 with the wireless function via the mobile terminal 17 or the personal computer 19.
In addition to browsing the electronic money information recorded in No. 1, the user can browse the accompanying information stored in the write-once nonvolatile memory 14, edit the information for easy use, or delete unnecessary information. be able to. In this embodiment, two write-once nonvolatile memories are provided to store information having different properties such as electronic money information and accompanying information. However, physically, one write-once nonvolatile memory is used. It is also possible to divide and store such information.

[0029]

As described above, according to the present invention,
In the electronic money card device, an access unit for accessing the transaction information, a plurality of interface units for interfacing the electronic money device with an external device for transmitting and receiving the transaction information, and an access to the access unit by the interface unit. By providing control means for controlling by restricting, the user can easily browse the electronic money information recorded on his / her own electronic money card device while ensuring a high security function, It is possible to provide an electronic money card device that allows a user himself to easily update and browse accompanying information generated accompanying use of the electronic money card device. In addition, since Bluetooth, a new two-way wireless interface technology for short distances, will be installed in a wide range of home appliances, by adopting this Bluetooth etc. as a wireless interface,
It is considered that information recorded in the electronic money card device can be browsed from various home appliances, and the convenience for the user can be further improved.

[Brief description of the drawings]

FIG. 1 is a diagram showing features of a first invention according to the present application.

FIG. 2 is a diagram showing features of a second invention according to the present application.

FIG. 3 is a diagram showing an example of an electronic money information browsing screen.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Electric money card apparatus 2 Wireless communication module for performing wireless communication 3 Write-once nonvolatile memory for storing electronic money information 4 CPU 5 Contact type electric interface 6 Mobile terminal for performing data communication via wireless communication module 2 7 Contact type Workstation with electrical interface 11 Electronic money card device 12 Wireless communication module for performing wireless communication 13 Write-once nonvolatile memory for storing electronic money information 14 Write-once nonvolatile memory for storing incidental information 15 CPU 16 Contact-type electrical interface Reference Signs List 17 Portable terminal for performing data communication via wireless communication module 12 18 Workstation having contact-type electric interface 19 Personal computer with built-in wireless communication module

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 3/08 G06F 3/08 C

Claims (13)

[Claims] 1. An access unit for accessing transaction information, a plurality of interface units for interfacing an electronic money card device with an external device for transmitting and receiving the transaction information, and an access to the access unit by the interface unit. An electronic money card device comprising: control means for controlling by limiting. 2. The electronic money card device according to claim 1, wherein said interface means includes a wireless interface. 3. The electronic money system according to claim 2, wherein the control unit performs control so that only the transaction information can be read when the interface unit is the wireless interface. Card device. 4. The control means, wherein the interface means is a contact-type electrical interface,
The electronic money card device according to claim 2, wherein the electronic money card device is controlled so that both the reading process and the updating process of the transaction information are enabled. 5. The electronic money card device according to claim 2, wherein the access unit includes two storage units for storing the transaction information. 6. When the interface unit is the wireless interface, the control unit controls one of the storage units so that only the transaction information can be read out. The electronic money card device according to claim 5, wherein 7. The control means, when the interface means is the electrical interface, enables any of the storage information to be read and updated by any of the storage means. The electronic money card device according to claim 5, wherein the electronic money card device is controlled. 8. The transaction information may include electronic money information, which is called amount data and includes user personal information data, and additional information associated with a purchase activity including detailed information of the store where the product was purchased and the purchased product. 3. The method according to claim 2, wherein
An electronic money card device according to claim 1. 9. The electronic money card device according to claim 8, wherein said access means has two information storage areas for each transaction information to be stored. 10. The control means, when the interface means is the wireless interface, can perform both read processing and update processing for the accompanying information, but can perform only read processing for the electronic money information. The electronic money card device according to claim 9, wherein the electronic money card device is controlled so as to be as follows. 11. When the interface unit is the contact-type electrical interface, the control unit can perform both a read process and an update process for both the electronic money information and the accompanying information. The electronic money card device according to claim 9, wherein the electronic money card device is controlled as follows. 12. The electronic money card device according to claim 1, wherein the electronic money card device is a smart card. 13. The wireless interface according to claim 11, wherein
The electronic money card device according to claim 2, wherein the electronic money card device is an oth.