JP2002083130A - Portable information storage medium and portable information storage medium settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card having a stuck magnetic tape carrying a large quantity of data and drivable by a CD-ROM drive. SOLUTION: This portable information storage medium is provided with a first face storing at least one of computer readable data and programs and a second face, in a part of which a stripe-shaped area storing data read by means of a reading-only machine is formed. In the first face, at least a program necessary for connecting to a communication network is stored, while data necessary for electronic settlement are stored in the second face.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable information storage medium.

[0002]

2. Description of the Related Art Conventionally, electronic data for authenticating an individual is recorded on a magnetic tape on a credit card. However, the amount of data that can be recorded on a magnetic tape is limited, and a large amount of data cannot be recorded. In addition, since it is magnetic, there is a possibility of rewriting. Furthermore, because of the magnetism, the loss of magnetic data may occur due to the approach of a magnet or the like.

On the other hand, since conventional CD-ROMs have different sizes and shapes, it is naturally impossible to use them as they are as credit cards. Further, none of the credit cards have a recording capacity of several tens to several hundreds of megabytes in thickness and size.

[0004]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a CD-RO in which a large amount of data and programs are recorded.
An object of the present invention is to provide a card to which a magnetic tape drivable by an M drive is attached.

[0005]

According to the present invention, a first surface storing at least one of data and a program which can be read by a computer, and a data which has a stripe shape in a part and is read by a read-only device are provided. A portable information storage medium having a second side having a stored area, wherein at least a program necessary for connection to a communication network is stored on the first side, and an electronic program is stored on the second side. Provided is a portable information storage medium in which data necessary for settlement is stored.

The first aspect may include at least one of a connection program with an electronic payment company, a connection program with an electronic store, an electronic payment application program, a security program, and security data.

[0007] The connection program with this electronic settlement company is as follows:
A function of operating a web program after the computer starts reading the first side, a function of connecting to the information collection and provision server of the electronic payment company, a function of inquiring the balance of an electronic payment account, and information provided by the electronic payment company. May be a program having at least one of a function of browsing and a function of applying for a service provided by an electronic settlement company.

[0008] The program for connecting to the electronic store includes a function of activating a web program after the computer starts reading the first surface, a function of connecting to an information collection and provision server of the electronic store, The program may have at least one of a function of browsing the goods and services provided by the electronic store and a function of deciding to purchase by selecting from the goods and services provided by the electronic store.

The electronic payment application program is an application executed on a communication network, and may have a function of paying a fee according to the time used.

The application may be a network game played between a plurality of terminals via a communication network.

The security program may have an encryption function, an encryption / decryption function, and a communication function.

[0012] The security data may be a serial number assigned to all portable information storage media provided by the portable information storage medium provider.

[0013] Product catalog data may be entered on the first side.

The first side may have a program for connecting to a financial institution built therein, and the second side may have electronic loan data built therein.

The first aspect is that a CD-ROM and a CD-R
, CD-RW, DVD-ROM, DVD-RW, and DVD
-Any one of RAM may be used.

A first surface storing at least one of computer-readable data and a program, and a second surface having a stripe shape in a part and having an area in which data read by a read-only device is stored. A portable information storage medium having: a user terminal having a device for reading the portable information storage medium; and an information collection and provision server connected to the user terminal via a communication network, wherein the first aspect Wherein the user terminal is connected to the information collection and provision server using a connection program stored in the information collection and provision server, and the information collection and provision server performs electronic payment using the electronic settlement data of the second surface. A type information storage medium payment system is provided.

[0017] The information collection and provision server has an electronic settlement function, and the user terminal operates a web program for reading the first side of the portable information storage medium to connect to the information collection and provision server; The electronic payment account may have a balance inquiry function, a function of browsing electronic payment account information, and an electronic payment service application function.

The information collection and provision server has the electronic store function, and the user terminal operates a web program for reading the first side of the portable information storage medium to connect to the electronic store server; It may have a function of browsing products and services provided by the electronic store, and a function of selecting purchases from products and services provided by the electronic store.

The products sold at the electronic store include land, buildings, rental real estate, automobiles, used cars, custom automobiles, securities, life insurance, fire insurance, investment trust products, and travel products. Goods, imported goods, sports goods, outdoor goods, apparel, jewellery, clothing, painting, art, care products, organic vegetables, used goods, antiques, pet animals , Edible animals, houseplants, image data, PC software, accounting agency services, database management services, marketing information provision services, employment management services, music distribution services, product home delivery services, It may be at least one of an Internet provider service, a home renovation design, an auction, a barter, and a pay broadcast.

This electronic store may be a constituent store of an electronic shopping mall.

[0021] The catalog of the electronic store may be recorded in advance on the first surface of the portable information storage medium, and the user may select a product on the user communication terminal and only pay by electronic payment. .

[0022] The information collection and provision server may have the function of providing the electronic payment application, and the information collection and provision server may have a function of making a payment according to the time used by the user terminal.

This application may be a network game played between a plurality of terminals via a communication network.

This information collection and provision server registers in advance the security data recorded on the first surface of the portable information storage medium and the data necessary for electronic settlement recorded on the second surface of the portable information storage medium in the information collection and provision server. A function may be provided for authenticating and permitting connection only when the data matches the corresponding data.

A first surface storing at least one of computer-readable data and a program, and a second surface having a stripe shape in a part and having an area in which data read by a read-only device is stored. Comprising a portable information storage medium having: a user terminal having a reading device for the portable information storage medium; and a financial institution server connected to the user terminal via a communication network. The portable terminal device according to claim 1, wherein the user terminal is connected to the financial institution server using a stored connection program, and the financial institution server performs electronic financing using the electronic financing data on the second surface. Provide a media financing system.

[0026]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Referring to the drawings, 1) an embodiment of a portable information storage medium provided by a credit company according to the present invention; Embodiment of information storage medium settlement system 3) Embodiment of portable information storage medium provided by electronic store according to the present invention 4) Portable information storage medium when information collection and provision server according to the present invention is electronic store server Embodiment of payment system 5) Embodiment of portable information storage medium provided by financial institution according to the present invention 6) Embodiment of portable information storage medium financing system according to the present invention will be described.

1) Embodiment of a portable information storage medium provided by a credit company according to the present invention FIG. 1 is an explanatory view of a CD-ROM type credit card 1, (a) is a front view, and (b) is a front view. The right side view and (c) show the lower side view, respectively.

The CD-ROM type credit card 1 has a hole 7 for driving the CD-ROM type credit card 1, a centering pin 5, and a magnetic tape 3 at the center. On the first side, a normal computer readable CD-R
Data and programs are recorded in the same format as OM. On the second surface, the magnetic tape 3 and a readable drawing and characters are drawn.

In the hole 7 for driving the CD-ROM type credit card 1, a rotary shaft for driving the CD-ROM is inserted into the hole 7 so that the main body of the CD-ROM type credit card 1 can be rotated.

The centering pins 5 are provided at four points of the CD-ROM type credit card 1 and are engaged with shoulder portions of concave portions existing on the CD-ROM drive, thereby enabling the CD-R.
It is possible to keep the optimal position on the OM drive.

Due to the presence of the holes 7 and the centering pins 5 for driving the CD-ROM type credit card 1, the CD-ROM type credit card 1 according to the present invention can be used for any CD-R.
Reading becomes possible even on the OM drive.

The magnetic tape 3 records credit card authentication data. That is, due to the presence of the magnetic tape, the CD-ROM type credit card 1 can be used as a normal credit card at a general store equipped with a dedicated reading device, such as a bank card withdrawal function, just like a normal credit card. It becomes possible.

Further, the presence of the CD-ROM enables recording of software necessary for electronic settlement on the user communication terminal 21. That is, by using the present invention, the convenience that the software can be installed on the user communication terminal 21 with the acquisition of the CD-ROM type credit card 1 arises.

CD-R issued by a credit card company
The OM type credit card 1 has a Web program, an authentication program, a credit card company web display program, an electronic payment account balance inquiry program, a credit card company information browsing program, a credit card company service application program, a security program, The security data is stored.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The authentication program is a program for performing an authentication procedure when connecting the user communication terminal 21 to the information collection / providing server 27 via the communication network 25. The authentication program allows the user to input a credit card number, a credit card PIN, and security data, encrypts the data, and transmits the encrypted data to the information collection and provision server 27. The security data is a serial number recorded on the CD-ROM type credit card 1. This serial number is on CD-ROM
There is no CD-ROM type credit card recorded with the same serial number as the number recorded in the manufacturing order of the type credit card 1.

The credit card company web display program is a program having a function of always displaying a credit card company web page after the execution of the authentication program. The credit card company web display program may have a function of always displaying the web page of the shopping site of the credit card company. Connecting to the web of a shopping site facilitates the purchase of products and services by the user and leads to an increase in payment procedures.

The electronic payment account balance inquiry program is a CD
-Connect the user communication terminal 21 in which the ROM type credit card 1 is inserted to the information collection / providing server 27 via the communication network 25 to perform a balance inquiry of the electronic settlement account. That is,
Before purchasing a product via the communication network 25, it is possible to confirm whether or not the required amount has been transferred to the settlement account. The electronic settlement account balance inquiry program has a function of accessing and reading the contents of each individual settlement account in the information collection / providing server 27, transmitting the data to the user communication terminal 21, and displaying the data.

The credit card company information browsing program is a program for browsing useful information provided by a credit company to a user.

The credit card company service application program is a program for performing an application procedure for obtaining goods or useful services provided by a credit company.

The security program has an encryption program and an encryption / decryption program.

When the data is sent from the user communication terminal 21, the encryption program is a program that makes it impossible for a third party to see the data on the way or to falsify the data, so that it can be decrypted only by a specific partner. It is.

The encryption / decryption program is a program for decrypting data transmitted by a credit card company after being encrypted.

The security data is a serial number recorded on the CD-ROM type credit card 1. This serial number is a CD-ROM type credit card 1
There is no CD-ROM type credit card having the same serial number recorded in the order of manufacture.

Further, a CD-R may be used as a card material. By using the CD-R, writing to the card material can be performed only once.

A CD-RW may be used as a card material. By using the CD-RW, writing to the card material can be performed a plurality of times.

A DVD-ROM may be used as a card material. By using a DVD-ROM, a large amount of data is stored in advance.

A DVD-R may be used as a card material. By using a DVD-R, a large amount of data can be written only once.

A DVD-RW may be used as a card material. By using the DVD-RW, large-capacity data can be written a plurality of times.

These data and programs are stored on CD-RO
By storing the information in the M-type credit card 1 in advance, the following two points having a conventional credit card function have become possible.

First, the connection with the information collection and provision server 27
After the CD-ROM type credit card 1 is inserted into the user terminal, the connection is displayed semi-automatically, so that the operation becomes easy. Psychological barriers to connection are reduced by reducing the labor and time involved in the connection procedure.

Second, security at the time of connection with the information collection / providing server 27 has been improved. The security must be improved in order to perform the settlement procedure, and the security of the settlement procedure has been improved because the existence of the security data enables the settlement only when the authorized credit user has the authorized card.

2) Embodiment of Payment System for Portable Information Storage Medium According to the Present Invention Next, a payment system for portable information storage medium of the present invention will be described with reference to FIG.

The portable information storage medium settlement system has a user communication terminal 21 and an information collection and provision server 27 connected via a communication network 25.

The user communication terminal 21 has a CD-ROM therein.
Any terminal that has the ROM drive 23 may be used.

The CD-ROM drive 23 has a CD-RO
An M-type credit card 1 is inserted and used. CD-
The program stored on the first side of the ROM credit card 1 is executed immediately after insertion.

The programs stored on the first side of the CD-ROM type credit card 1 are a web program, an authentication program, a credit card company web display program, an electronic settlement account balance inquiry program, and a credit card company information browsing program. A credit card company service application program and a security program.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The authentication program is a program for performing an authentication procedure when connecting the user communication terminal 21 to the information collection and provision server 27 via the communication network 25. In the authentication procedure, a credit card number, a credit card PIN and security data are used. The security data is a serial number recorded on the CD-ROM type credit card 1. This serial number is
CDs recorded in the manufacturing order of the CD-ROM type credit card 1 and having the same serial number
-There are no ROM type credit cards.

The credit card company web display program is a program having a function of always displaying a credit card company web page after the execution of the authentication program. The credit card company web display program may have a function of always displaying the web page of the shopping site of the credit card company. Connecting to the web of a shopping site facilitates the purchase of products and services by the user and leads to an increase in payment procedures. Here, the shopping site means a website for selling goods or services.

The electronic settlement account balance inquiry program is a CD
-Connect the user communication terminal 21 in which the ROM type credit card 1 is inserted to the information collection / providing server 27 via the communication network 25 to perform a balance inquiry of the electronic settlement account. That is,
Before purchasing a product via the communication network 25, it is possible to confirm whether or not the required amount has been transferred to the settlement account. The electronic settlement account balance inquiry program has a function of accessing and reading the contents of each individual settlement account in the information collection / providing server 27, transmitting the data to the user communication terminal 21, and displaying the data.

The credit card company information browsing program is a program for browsing useful information provided by a credit company to a user.

The credit card company service application program is a program for performing an application procedure for obtaining goods or useful services provided by a credit company.

The security program has an encryption program and an encryption / decryption program.

When the data is sent from the user communication terminal 21, the encryption program can be decrypted only by a specific partner in order to make it impossible for a third party to intercept and falsify the data on the way. This is a program to set the state

The encryption / decryption program is a program for decrypting data transmitted by a credit card company after being encrypted.

The information stored on the first side of the CD-ROM type credit card 1 includes security data in addition to the program.

The security data is a serial number recorded on the CD-ROM type credit card 1. This serial number is a CD-ROM type credit card 1
There is no CD-ROM type credit card having the same serial number recorded in the order of manufacture.

The communication network 25 may be a wired or wireless communication network 2 if the connection method allows information communication.
It may be 5. In the case of a wired connection, the PSTN
, ISDN, a dedicated line, the Internet, or an extranet.

The information collecting and providing server 27 has an authentication function, a web server function, a payment management function, and an encryption function.

The authentication function is performed when the user operates the user communication terminal 21.
This is a function for permitting connection only when an encrypted version of the credit card number, credit PIN, and security data input to the information collection and provision server 27 is transmitted.

The web server function is a function of preparing a web page and providing information to a user connected from the user communication terminal 21.

The web page includes a shopping page introduction page, a payment application page, and other information providing pages.

The settlement management function includes a settlement function for deducting a price from the user settlement account when the user needs to make a settlement by shopping, and a balance information transmitted via the communication network 25 when the user inquires the balance of the settlement account. And a function of depositing the payment into the settlement account when the user deposits money by bank transfer or the like.

The encryption function has a function of decrypting the encrypted authentication information and a function of encrypting the confidential data when transmitting the confidential data to the user.

3) Embodiment of Portable Information Storage Medium Provided by Electronic Store According to the Present Invention The portable information storage medium provided by the electronic store is such that the electronic store leaves the settlement function to a settlement company such as a credit company. It is a portable information storage medium that enables provision of goods or services while securely performing settlement.

The CD-ROM type credit card 1 has a hole 7 for driving the CD-ROM type credit card 1, a centering pin 5, and a magnetic tape 3 at the center. On the first side, a normal computer readable CD-R
Data and programs are recorded in the same format as OM. On the second surface, the magnetic tape 3 and a readable drawing and characters are drawn.

In the hole 7 for driving the CD-ROM type credit card 1, a rotary shaft for driving the CD-ROM is inserted into the hole 7 so that the main body of the CD-ROM type credit card 1 can be rotated.

The centering pins 5 are provided at four points of the CD-ROM type credit card 1 and are engaged with the shoulders of the concave portions existing on the CD-ROM drive so that the CD-R can be used.
It is possible to keep the optimal position on the OM drive.

The CD-ROM type credit card 1 according to the present invention can be used for any CD-R due to the presence of the hole 7 for driving the CD-ROM type credit card 1 and the centering pin 5.
Reading becomes possible even on the OM drive.

The magnetic tape 3 records credit card authentication data. That is, due to the presence of the magnetic tape, the CD-ROM type credit card 1 can be used as a normal credit card at a general store equipped with a dedicated reading device, such as a bank card withdrawal function, just like a normal credit card. It becomes possible.

Further, the presence of the CD-ROM allows the software necessary for electronic payment and the like to be recorded on the user communication terminal 21. That is, by using the present invention, the convenience that the software can be installed on the user communication terminal 21 with the acquisition of the CD-ROM type credit card 1 arises.

The CD-ROM type credit card 1 provided by the electronic store has a Web program, an authentication program, an electronic store web display program, an electronic electronic store report browsing program, an electronic store service application program, and a security program in the CD-ROM portion. And electronic store security data and product catalog data.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The authentication program is a program for performing an authentication procedure when connecting the user communication terminal 21 to the electronic store server 29 via the communication network 25. The authentication program transmits electronic store security data registered in the card in advance to the electronic store server 29. The electronic store security data is a code recorded on the CD-ROM type credit card 1 in advance. This cipher is
A CD-ROM recorded at the time of manufacturing the CD-ROM type credit card 1 and having the same encryption recorded.
There are no type credit cards.

The electronic store web display program is a program having a function of always displaying the web page of the electronic store after the execution of the authentication program. This electronic store web display program promotes the purchase of goods and services by the user by connecting to the web of the electronic store, and leads to an increase in settlement procedures.

The electronic store information browsing program is a program for browsing useful information for users provided by the electronic store.

The electronic store service application program is a program for performing an application procedure for obtaining goods or useful services provided by the electronic store.

The security program has an encryption program and an encryption / decryption program.

The encryption program is a program that, when data is sent from the user communication terminal 21, makes the data readable only by a specific partner so that a third party cannot see the data and cannot alter it. It is.

The encryption / decryption program is a program for decrypting data transmitted by a credit card company after being encrypted.

The electronic store security data is a CD-R
This is a code recorded on the OM type credit card 1. This code is a number recorded at the time of manufacturing the CD-ROM type credit card 1, and is a C-code on which the same code is recorded.
There is no D-ROM type credit card.

The product catalog data contains a list of products to be sold in advance on the CD-ROM type credit card 1.
-It may be stored in the ROM section.

These data and programs are stored in a CD-RO
By storing the information in the M-type credit card 1 in advance, the following two points having a conventional credit card function have become possible.

By using the CD-ROM type credit card 1, the electronic store can firstly supply the user with a card which can be easily connected to the company.

Second, since it has a settlement function, it is possible to reduce the risk that settlement is impossible.

Third, the product catalog must be pre-recorded on this CD-ROM.
When stored in the credit card 1, it is possible to save time and labor for downloading product catalog data on the Internet.

4) An embodiment of a portable information storage medium settlement system when the information collection and provision server according to the present invention is an electronic store server. A portable information storage medium settlement system when the information collection and provision server is an electronic store server. 3 is shown in FIG.

In the present system, a user communication terminal 21, an electronic store server 27, and an electronic settlement server 31 are connected via a communication network 31.

The user communication terminal 21 has a CD-ROM therein.
Any terminal that has the ROM drive 23 may be used.

The CD-ROM drive 23 has a CD-RO
An M-type credit card 1 is inserted and used. CD-
The program stored on the first side of the ROM credit card 1 is executed immediately after insertion.

The programs stored on the first side of the CD-ROM type credit card 1 include a web program, an authentication program, an electronic store web display program, an electronic store information browsing program, an electronic store service application program, and a security program. Product catalog data.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The authentication program is a program for performing an authentication procedure when connecting the user communication terminal 21 to the information collection / providing server 27 via the communication network 25. In the authentication procedure, a credit card number, a credit card PIN and security data are used. The security data is a serial number recorded on the CD-ROM type credit card 1. This serial number is
CDs recorded in the manufacturing order of the CD-ROM type credit card 1 and having the same serial number
-There are no ROM type credit cards.

The electronic store web display program is a program having a function of always displaying the web page of the electronic store after the execution of the authentication program. By connecting to the electronic store web, the purchase of goods and services of the user is promoted, and the settlement procedure is increased.

The electronic store information browsing program is a program for browsing useful information provided by the electronic store to the user.

[0107] The electronic store service application program is a program for performing an application procedure for obtaining goods or useful services provided by the electronic store.

The security program has an encryption program and an encryption / decryption program.

When the data is sent from the user communication terminal 21, the encryption program can be decrypted only by a specific partner to prevent a third party from seeing or falsifying the data on the way. This is a program to set the state.

The encryption / decryption program is a program for decrypting data transmitted by a credit card company after being encrypted.

Information stored on the first side of the CD-ROM type credit card 1 includes electronic store security data in addition to the program.

The electronic store security data is a CD-R
This is a code recorded on the OM type credit card 1. This code is a number recorded at the time of manufacturing the CD-ROM type credit card 1, and is a C-code on which the same code is recorded.
There is no D-ROM type credit card.

The product catalog data contains a list of the products to be sold in advance on the CD-ROM type credit card 1 CD.
-It may be stored in the ROM section.

The communication network 25 is a communication network 2 that can be connected by any of a wired method and a wireless method as long as the connection method enables information communication.
It may be 5. In the case of a wired connection, the PSTN
, ISDN, a dedicated line, the Internet, or an extranet.

The electronic store server 29 has an authentication function, a web server function, and a payment instruction command program to the electronic settlement server 31.

The authentication function is a function for permitting the connection only when the electronic store security data registered in the card in advance is transmitted and matches the data registered in the information collection and provision server 27 in advance.

[0117] The web server function is a function of preparing a web page and providing information to a user connected from the user communication terminal 21.

The web page includes a shopping page introduction page, a payment application page, and other information providing pages. When a product is recorded on the CD-ROM type credit card 1 in advance, there is no problem if only the product application and the settlement application are performed without downloading the product data, so that time and labor can be saved. Conversely, if the product data is on the web, the latest information will be confirmed on the web.

The payment instruction command program to the electronic settlement server 31 instructs the electronic settlement server to pay the price from the user settlement account of the electronic settlement server registered with the user when the user needs to make a shopping and settle. Has the function of transmitting

The encryption function has a function of decrypting the authentication information transmitted in an encrypted form and a function of encrypting the data when transmitting the confidential data to the user.

The products and services handled by the electronic store include land, buildings, rental real estate, cars, used cars, custom cars, receivables, securities, life insurance, fire insurance, and investment. Trust products, travel products, overseas imported products, sporting goods, outdoor goods, clothing, jewelry, painting, art, care products, organic vegetables, used goods, antiques, Pets, food animals,
Houseplants, image data, PC software, accounting agency services, database management services, marketing information provision services, employment management services, music distribution services, merchandise delivery services, Internet provider services, and houses At least one of remodeling, auction merchandise, bartering, and pay-broadcasting is included.

The land means buying and selling of ownership and mortgage of the land in the real estate business.

[0123] The term "building" refers to, for example, the sale or purchase of a property right or a sectional ownership right and a mortgage in a real estate business.

The rental real estate means a land or building rental business in the real estate business.

The car means a car in the sale of an unregistered car in the car sales business.

The used car means a car in the sale of a registered car in a car sales business.

[0127] The custom vehicle means a vehicle that is sold in a modified state according to the purchaser's request regardless of whether the vehicle is unregistered or newly registered.

Securities are securities that represent property rights and must be held with securities in order to exercise or transfer rights, and include bills, checks, stock certificates, bonds,
This means securities that can be bought and sold, such as bills of lading and warehouse securities.

The life insurance is an insurance that promises to pay a fixed amount on condition that the insured person dies or survives until a predetermined period. Insurance).

[0130] Fire insurance is insurance for the purpose of covering property damages caused by fire.

The securities investment trust product is a service in which a specialist invests and manages funds collected from investors in stocks and public bonds, and distributes profits to the investors.

[0132] A travel product is a product obtained by combining transportation tickets necessary for a trip and accommodation expenses at an accommodation.

[0133] Overseas imported merchandise means merchandise that does not exist in Japan or that is expensive when purchased in Japan.

[0134] Sports equipment means tools and clothes necessary for performing sports.

The outdoor equipment means bedding and tableware such as a tent and a sleeping bag necessary for camping.

[0136] Clothing accessories are those that can be worn or attached to clothes to add a decorative effect to clothes, and include accessories such as brooches, necklaces, handbags, scarves, gloves, and tie pins.

It means jewelry and jewelry or jewelry or precious metal.

[0138] Clothing means everything that a human wears.

[0139] The painting means a molding art drawn using lines and colors.

An art object is an art object expressing beauty and means painting, sculpture, architecture, and photography.

The nursing care product is used to assist a healthy person in assisting various tasks when a person with a physical disability, an elderly person, an injured person, and a sick person cannot live alone in general. It means tools.

The organic vegetable means a vegetable grown only with compost or the like without using any chemical fertilizer or pesticide.

[0143] The used product means a product that has been sold to the consumer once by the seller and then sold again.

[0144] Antiques refer to commodities that have become valuable as time has passed since they were manufactured or sold.

[0145] The pet animal means an animal whose entertainment is kept by humans.

[0146] Food animals are animals intended for human consumption as food.

[0147] The houseplant is a plant whose purpose is to make human beings grow and appreciate the entertainment.

The image data means data obtained by converting a photograph, a painting, a manga, or the like into electronic data or creating electronic data.

The PC software means operating software for operating on a personal computer and application programs such as a word processor operating on the operating software.

The accounting proxy service means a service in which accounting data is input from a web page on the Internet, and the input accounting data is processed and provided.

The database management service is a service for processing a large amount of data input from a web page on the Internet and providing the processed data to a user.

The marketing information providing service is a service for providing information on the results of competitors participating in markets required by customers, purchaser preference information, and information on these trends in the future.

The employment management service means a service that manages the time at which employees go to work, the time at which they leave the company, and the number of holidays, stores data, and serves as a source of data management data for salary calculation.

[0154] The music distribution service means a service in which audio data is recorded as electronic data recordable on a personal computer, and the data is transmitted to consumers via the Internet or the like for sale.

The product delivery service means a service for delivering a product to a location designated by a customer.

[0156] The Internet provider service means a service that sells to a person who requests an Internet connection by using a telephone line, a cable television line, or a dedicated line on a pay-as-you-go basis or a flat-rate basis.

The house renovation design is a service for remodeling a house.

[0158] The auction means that a seller collects buyers on a certain date, bids them in a competition, and sells them to a person who offers the highest price. In particular, it means a service provided on the Internet.

[0159] Goods exchange means exchanging goods without money.

[0160] Paid broadcast broadcasting means a service in which a broadcaster obtains profit by transmitting video and audio to a large number of recipients.

In addition to the above services, an application may be provided. In other words, it means a service that receives a service that can be provided on the network on electronic data, processes it, returns it, or stores it to form a database.

Here, the application may be a game played by those connected via the Internet. The game means a racing game, a fighting game, a role playing game, and the like.

The electronic store provides the goods or services described above, sells them according to their value, and setstles them with the electronic settlement server.

The electronic settlement server 31 is the electronic store server 2
9 has a function of receiving payment instruction information transmitted from 9 and authenticating the information, and then paying the price to an electronic store.

The electronic store may be a shopping mall where a plurality of electronic stores are integrated. If settlement is possible at a plurality of electronic stores, more effective use for consumers becomes possible.

The use of the present system facilitates the connection from the user terminal to the electronic store.

Further, the settlement method for the electronic store can be implemented safely and reliably.

5) Embodiment of Portable Information Storage Medium Provided by Financial Institution According to the Present Invention A portable information storage medium provided by a financial institution is a financial institution having a payment function for an account management organization such as a second financial institution. This is a portable information storage medium that enables a loan to be executed while reliably performing deposits and withdrawals on behalf of.

The CD-ROM type credit card 1 has a hole 7 for driving the CD-ROM type credit card 1, a centering pin 5, and a magnetic tape 3 at the center. On the first side, a normal computer readable CD-R
Data and programs are recorded in the same format as OM. On the second surface, the magnetic tape 3 and a readable drawing and characters are drawn.

In the hole 7 for driving the CD-ROM type credit card 1, a rotary shaft for driving the CD-ROM is inserted into the hole 7 so that the main body of the CD-ROM type credit card 1 can be rotated.

The centering pins 5 are provided at four points of the CD-ROM type credit card 1 and are engaged with the shoulders of the concave portions existing on the CD-ROM drive, thereby enabling the CD-R.
It is possible to keep the optimal position on the OM drive.

Due to the presence of the holes 7 for driving the CD-ROM type credit card 1 and the centering pins 5, the CD-ROM type credit card 1 according to the present invention can be used for any CD-R.
Reading becomes possible even on the OM drive.

The magnetic tape 3 stores credit card authentication data. That is, due to the presence of the magnetic tape, the CD-ROM type credit card 1 can be used as a normal credit card at a general store equipped with a dedicated reading device, such as a bank card withdrawal function, just like a normal credit card. It becomes possible.

Furthermore, the presence of the CD-ROM allows the software necessary for financing and the like to be recorded on the user communication terminal 21. That is, by using the present invention, the convenience that the software can be installed on the user communication terminal 21 with the acquisition of the CD-ROM type credit card 1 arises.

The CD-ROM type credit card 1 provided by a financial institution has a CD-ROM section as a first aspect, a web program, a financial institution connection program, a financial institution web display program, a financial institution information browsing program, and a financial institution. The service application program, security program, financial institution security data, and product catalog data are stored.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The financial institution connection program is a program for making a financial institution connection when connecting the user communication terminal 21 to the financial institution server 33 via the communication network 25. The financial institution connection program has a connection function, an authentication function, a borrowing function, a principal check function, and an interest check function.

The connection function connects the user communication terminal to the communication network 25.
This is a function to connect to a financial institution server via.

The authentication function is a function of transmitting two pieces of information, the personal identification information recorded on the first side and the password of the CD-ROM type credit card 1 input to the user communication terminal, to the financial institution server. .

The borrowing function transmits the requested amount of borrowing of the user, the desired borrowing date, the scheduled repayment, the borrowing interest rate, the personal information, and the account name of the second financial institution for payment to the financial institution server, and requests the borrowing. This is a function to display the result for.

The principal confirmation function is a function for displaying principal data transmitted from the financial institution server when the user selects the principal confirmation function and there is a principal confirmation request.

The interest confirmation function is a function for displaying interest data transmitted from the financial institution server when the user selects the interest confirmation function and has an interest confirmation request.

The financial institution security data registered in the card in advance is transmitted to the financial institution server 33. The financial institution security data is a personal identification number recorded on the CD-ROM type credit card 1 in advance. This code is a number recorded when the CD-ROM type credit card 1 is manufactured, and is a CD on which the same code is recorded.
-There are no ROM type credit cards.

The financial institution web display program is a program having a function of always displaying the web page of the financial institution after the execution of the authentication program. This financial institution web display program promotes user borrowing by connecting to the financial institution web, and leads to an increase in loan procedures.

The financial institution information browsing program is a program for browsing useful information for users provided by the financial institution.

The financial institution service application program is a program for performing an application procedure for obtaining goods or useful services provided by a financial institution.

The security program has an encryption program and an encryption / decryption program.

[0188] The encryption program is a program that, when data is sent from the user communication terminal 21, makes it impossible for a third party to intercept the data and make it falsified by a third party so that the data can be decrypted only by a specific partner. It is.

The encryption / decryption program is a program for decrypting data transmitted by the credit card company after being encrypted.

The electronic store security data is a CD-R
This is a code recorded on the OM type credit card 1. This code is a number recorded at the time of manufacturing the CD-ROM type credit card 1, and is a C-code on which the same code is recorded.
There is no D-ROM type credit card.

The merchandise catalog data includes a list of catalogs of merchandise to be sold in advance on the CD-ROM type credit card 1 CD.
-It may be stored in the ROM section.

These data and programs are stored on CD-RO.
By storing the information in the M-type credit card 1 in advance, the following two points having a conventional credit card function have become possible.

By using the CD-ROM type credit card 1, the financial institution can firstly supply the user with a card which can be easily connected to the company.

Second, since it has a financing function, financing is possible without going to a financial institution.

6) Embodiment of Portable Information Storage Medium Financing System According to the Present Invention FIG. 4 shows the configuration of a portable information storage medium financing system using a portable information storage medium according to the present invention.

In this system, the user communication terminal 21 and the first financial institution server 33 are connected via the communication network 25. The second financial institution server 35 is the first financial institution server 3
3 and is electrically connected.

The user communication terminal 21 has a CD-ROM therein.
Any terminal that has the ROM drive 23 may be used.

The CD-ROM drive 23 is a CD-RO drive.
An M-type credit card 1 is inserted and used. CD-
The program stored on the first side of the ROM credit card 1 is executed immediately after insertion.

The programs stored on the first side of the CD-ROM type credit card 1 are a web program, a financial institution connection program, a financial institution web display program, a financial institution information browsing program, a financial institution service application program, and security. Stores programs, financial institution security data, and product catalog data.

The web program may be any program as long as it is a program for browsing a home page described in HTML. It is desirable that the processing be executed immediately after the CD-ROM type credit card 1 is inserted into the CD-ROM drive.

The financial institution connection program is a program for making a financial institution connection when connecting the user communication terminal 21 to the financial institution server 33 via the communication network 25. The financial institution connection program has a connection function, an authentication function, a borrowing function, a principal check function, and an interest check function.

The connection function is to connect the user communication terminal to the communication network 25.
This is a function to connect to a financial institution server via.

The authentication function is a function of transmitting two pieces of information, the personal identification information recorded on the first surface and the password of the CD-ROM type credit card 1 input to the user communication terminal, to the financial institution server. .

The borrowing function transmits the requested amount of borrowing of the user, the desired borrowing date, the scheduled repayment, the borrowing interest rate, personal information, and the name of the second financial institution account for payment to the financial institution server, and requests the borrowing. This is a function to display the result for.

The principal confirmation function is a function for displaying principal data transmitted from the financial institution server when the user selects the principal confirmation function and there is a principal confirmation request.

The interest confirmation function is a function for displaying interest data transmitted from the financial institution server when the user selects the interest confirmation function and has an interest confirmation request.

The financial institution security data registered in the card in advance is transmitted to the financial institution server 33. The financial institution security data is a personal identification number recorded on the CD-ROM type credit card 1 in advance. This code is a number recorded when the CD-ROM type credit card 1 is manufactured, and is a CD on which the same code is recorded.
-There are no ROM type credit cards.

The financial institution web display program is a program having a function of always displaying the web page of the financial institution after the execution of the authentication program. This financial institution web display program promotes user borrowing by connecting to the financial institution web, and leads to an increase in loan procedures.

The financial institution information browsing program is a program for browsing useful information provided by the financial institution to the user.

[0210] The financial institution service application program is a program for performing an application procedure for obtaining goods or useful services provided by the financial institution.

The security program has an encryption program and an encryption / decryption program.

[0212] The encryption program is a program that, when data is transmitted from the user communication terminal 21, makes the data readable only by a specific partner so that a third party cannot see or alter the data on the way. It is.

The encryption / decryption program is a program for decrypting data transmitted by a credit card company after being encrypted.

The financial institution security data is CD-R
This is a code recorded on the OM type credit card 1. This code is a number recorded at the time of manufacturing the CD-ROM type credit card 1, and is a C-code on which the same code is recorded.
There is no D-ROM type credit card.

[0215] The communication network 25 may be a wired or wireless communication network 2 as long as the connection method allows information communication.
5, and in the case of a wire, the PSTN
, ISDN, a dedicated line, the Internet, or an extranet.

The first financial institution server 33 has an authentication function, a lending function, a credit confirmation function, a deposit function, a principal display function, an interest rate display function, and a repayment receiving function.

The authentication function includes the personal identification information sent from the user communication terminal and the CD input to the user communication terminal 21.
-ROM-type credit card 1 password, two pieces of information, personal identification information registered in advance in the first financial institution server, and a CD-ROM input to the user communication terminal 21
It has a function of performing authentication based on whether or not the password of the type credit card 1 matches.

The case where only the personal identification information matches and the case where C
In the case where only the password of the D-ROM type credit card 1 matches and the case where the access which does not match any occurs,
It has a function of contacting and confirming the user corresponding to the personal information and password.

The lending function is performed after receiving the user's desired borrowing amount, desired borrowing date, repayment schedule, borrowing interest rate, personal information, and the name of the second financial institution account for payment transmitted from the user communication terminal 21. If the credit function is activated and there is a response indicating that there is no problem with the credit function, it is confirmed that the transmitted information has no problems such as possible loan amount, and further lending is reported. To the user to operate the deposit function. If there is a response from the credit function that there is a problem, a report that lending is not possible is made to the user. If there is a problem such as a possible loan amount in the transmitted information, a request to change the condition is issued to the user.

[0220] The credit confirmation function is a function for examining the credit information of the user when the lending function requests the user to give credit, and reporting the result to the lending function.

The deposit function is a function for transmitting information to the second financial institution server 35 as designated by the lending function and depositing the deposit into a user-specified account when the lending function requests the deposit. At the time of deposit, the record is always recorded on the first financial institution server.

The principal display function is a function for retrieving and reporting principal information requested by the user when a principal display request is made from the user terminal.

The interest rate display function is a function for retrieving and reporting interest rate information requested by the user when an interest rate display request is made from the user terminal.

[0224] The repayment accepting function is a function of changing principal data when a repayment is received from the user using electronic money, a bank transfer, or a credit card.

The web server function is a function of preparing a web page and providing information to a user connected from the user communication terminal 21.

The web page has a loan application page and another loan information providing page.

The second financial institution 35 means a financial institution which the user has an account for and usually uses for deposits and withdrawals. Deposit and withdrawal can be made using a financial institution convenient for the user.

By using this system, a financial institution can execute a loan without cash in a highly secure state, so that the security is high. Further, the user can perform a loan procedure without asking the financial institution.

[0229]

According to the present invention, first, a card having a large amount of data and programs and having a magnetic tape stuck thereon which can be driven by a CD-ROM drive is provided.

Secondly, the present invention provides a system capable of easily connecting to a communication network because the communication network connection program is built in the card.

Third, a system with high data transmission confidentiality can be provided by the encryption / decryption function and the built-in security data.

Fourth, a secure and reliable settlement can be made.

Fifth, when the product catalog is stored in the portable storage medium in advance, the time required for transmission and acquisition via the communication network and the communication cost are unnecessary.

Sixth, financing is possible with high security.

[Brief description of the drawings]

1A and 1B are explanatory views of a CD-ROM type credit card 1, wherein FIG. 1A is a front view, FIG. 1B is a right side view, and FIG.

FIG. 2 shows an embodiment of a portable information storage medium settlement system when the information collection and provision server according to the present invention is a credit company server.

FIG. 3 shows an embodiment of a portable information storage medium settlement system when the information collection and provision server according to the present invention is an electronic store server.

FIG. 4 shows an embodiment of a portable information storage medium financing system according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 CD-ROM type credit card 3 Magnetic tape 5 Centering pin 7 Hole for driving CD-ROM type credit card 11 Normal CD-ROM convex part 13 Normal CD-ROM convex part 215 Normal CD-ROM convex part 321 User Communication terminal 23 CD-ROM drive 25 Communication network 27 Information collection and provision server 29 Electronic store server 31 Electronic settlement server 33 First financial institution 35 Second financial institution

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 318 G06F 17/60 318Z 332 332 432 432Z 504 504 508 508 512 512 512 G06K 19/00 G07F 17 / 40 19/10 G11B 5/80 G07F 17/40 7/24 567C G11B 5/80 572M 7/24 567 13/04 572 G06K 19/00 Q 13/04 SF term (reference) 5B035 BB02 BB03 5B049 AA02 AA05 BB00 BB11 BB16 BB47 BB61 CC05 CC39 CC44 DD01 DD05 EE05 EE25 FF09 GG04 GG07 GG10 5B055 CA05 CB09 KK00 KK01 KK18 5D006 BA19 DA01 DA09 5D029 TA23 WA01

Claims (21)

[Claims] 1. A first surface storing at least one of computer-readable data and a program, and a second surface having a stripe shape in a part and having an area in which data read by a read-only device is stored. A portable information storage medium having a first surface, at least a program required for connection to a communication network is stored on a first surface, and data necessary for electronic payment are stored on a second surface. Portable information storage media. 2. The first aspect includes at least one of a connection program with an electronic payment company, a connection program with an electronic store, an electronic payment application program, a security program, and security data. Item 4. A portable information storage medium according to Item 1. 3. The connection program with the electronic settlement company has a function of operating a web program after the computer starts reading the first surface, and a connection with a web page of an information collection and provision server of the electronic settlement company. Wherein the program has at least one of a function of performing an electronic settlement account, a function of browsing information provided by an electronic settlement company, and a function of applying for a service provided by an electronic settlement company. 2. The portable information storage medium according to 2. 4. The connection program with the electronic store, wherein the computer starts reading a first surface, a function of operating a web program, a function of connecting to an information collection and provision server of the electronic store, A program having at least one of a function of browsing products and services provided by an electronic store and a function of determining purchase by selecting from products and services provided by the electronic store. The portable information storage medium according to claim 2. 5. The electronic payment application program is an application executed on a communication network,
The portable information storage medium according to any one of claims 2 to 4, wherein the portable information storage medium has a function to settle a fee according to the time used. 6. The portable information storage medium according to claim 2, wherein the application is a network game played between a plurality of terminals via a communication network. 7. The portable information storage medium according to claim 2, wherein the security program has an encryption function, an encryption / decryption function, and a communication function. 8. The security data according to claim 2, wherein the security data is a serial number assigned to all portable information storage media provided by the portable information storage medium provider. Portable information storage medium. 9. The portable information storage medium according to claim 2, wherein merchandise catalog data is inserted in the first surface. 10. The system according to claim 2, wherein a program for connecting to a financial institution is built in the first surface, and electronic financing data is built in the second surface.
The portable information storage medium according to any one of the above. 11. The first surface comprises a CD-ROM and a CD-ROM.
-R, CD-RW, DVD-ROM, DVD-RW, and D
11. The portable information storage medium according to claim 2, wherein the portable information storage medium is any one of a VD-RAM. 12. A first surface storing at least one of computer-readable data and a program, and a second surface having a stripe shape on a part thereof and having an area in which data read by a read-only device is stored. A portable information storage medium having a surface, a user terminal having a reading device for the portable information storage medium, and an information collection and provision server connected to the user terminal via a communication network. Wherein the user terminal is connected to the information collection and provision server using a connection program stored on the surface, and electronic settlement is performed at the information collection and provision server using the electronic settlement data of the second surface. Portable information storage medium payment system. 13. The information collection and provision server has an electronic settlement function, and the user terminal operates a web program for reading the first side of the portable information storage medium and connects to the information collection and provision server. 13. The portable information storage medium settlement system according to claim 12, comprising: a balance inquiry function of an electronic settlement account; a function of browsing electronic settlement account information; and an electronic settlement service application function. 14. The information collection / providing server has the electronic store function, and the user terminal operates a web program for reading a first surface of the portable information storage medium and connects to the electronic store server. And a function of browsing a product and a service provided by the electronic store, and a function of selecting a product and a service provided by the electronic store to determine a purchase.
3. The portable information storage medium settlement system according to any one of 3). 15. The sales merchandise of the electronic store includes land,
Buildings, rental real estate, cars, used cars, custom cars, securities, life insurance, fire insurance,
Investment trust products, travel products, overseas imported products, sporting goods, outdoor goods, apparel, jewelry, clothing, painting, art, care products, organic vegetables, used goods , Antiques, pets, food animals, houseplants,
Image data, PC software, accounting agency service, database management service, marketing information providing service, employment management service, music distribution service, product delivery service, Internet provider service, house remodeling, The portable information storage medium settlement system according to claim 14, wherein the system is at least one of an auction, a barter, and a pay broadcast. 16. The electronic shop according to claim 14, wherein said electronic shop is a shop constituting an electronic shopping mall.
5. The portable information storage medium settlement system according to any one of 5. 17. The method according to claim 17, wherein the catalog of the electronic store is recorded in advance on the first surface of the portable information storage medium, and the user selects a product on the user communication terminal and performs only payment by electronic payment. 14. The method according to claim 14, wherein
The portable information storage medium settlement system according to any one of the above. 18. The information collection and provision server has the function of providing the electronic payment application, and the information collection and provision server has a function of making a payment according to the time used by the user terminal. Item 18. A portable information storage medium settlement system according to any one of Items 12 to 17. 19. The portable information storage medium settlement system according to claim 18, wherein the application is a network game played between a plurality of terminals via a communication network. 20. The information collection and provision server transmits security data recorded on a first surface of the portable information storage medium and data necessary for electronic settlement recorded on a second surface to the information collection and provision server in advance. 20. The portable information storage medium settlement system according to any one of claims 12 to 19, further comprising a function of authenticating and permitting connection only when the data matches the registered corresponding data. 21. A first surface storing at least one of computer-readable data and a program, and a second surface having a stripe shape on a part thereof and having an area in which data read by a read-only device is stored. And a user terminal having a reading device for the portable information storage medium, and a financial institution server connected to the user terminal via a communication network. A portable terminal, wherein the user terminal is connected to the financial institution server using a connection program stored on a surface, and an electronic loan is made in the financial institution server using the electronic loan data on the second surface. Information storage media financing system.