JP2002086971A - Settling card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settling card, which is excellent in security and is capable of preventing the transaction with forged cards. SOLUTION: In the settling card 1, the settling record of which is recorded in a setting organ 11, a memory 8 for storing the settling record is equipped so as to judge the existence of an illicit use when the past settling record stored in the memory 8 does not coincide with the past settling record recorded in the settling organ 11 at a new settling time.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a payment card, and more particularly, to a payment card having a payment function such as a credit card or a debit card.

[0002]

2. Description of the Related Art Conventionally, in the case of using a payment card which is provided with magnetism or IC such as a credit card or debit card and which can be used for settlement by storing owner information in the magnetism or IC, At the time of its use,
In the case of a debit card, the identity of the owner is confirmed by a password, and in the case of a credit card, the identity of the owner is confirmed by a signature.

[0003] Despite these confirmations, if a card is illegally used, the transaction history is checked to make sure that no unfamiliar transactions have been made. Has been confirmed.

[0004]

However, such a conventional payment card has the following problems.

[0005] That is, this type of payment card can be forged. For example, in the case of forgery of a payment card in the past, the magnetic data recorded on the payment card is stolen using a magnetic data reader different from the payment terminal, and the embosser and other cards are restored and forged from this data. There was a trick.

In particular, in the case of a tebit card, it is possible to forge the card only by looking at the personal identification number and the card ID number. Since the debit card is an immediate settlement, there is a problem that there is no protection means against a counterfeit card.

In a credit card, once a counterfeit card is created by reading magnetic data or the like, it is difficult to verify the signature on the back of the card when the card is used. However, in reality, there is still a problem that there is no defense means.

The present invention has been made in view of such circumstances, and has a memory in which transaction data is stored in a payment card itself. When a payment card is used, past transactions stored in this memory are stored. By comparing data with past transaction data stored in payment institutions such as credit companies and banks, it is possible to determine that the card is not a fake card, thereby providing excellent security and preventing transactions with a fake card. The aim is to provide a possible payment card.

[0009]

Means for Solving the Problems In order to achieve the above object, the present invention takes the following measures.

That is, according to the first aspect of the present invention, a payment card in which a payment record is recorded in a payment institution is provided with a memory for storing the payment record, and when a new payment is made, the past payment record stored in the memory is stored. And the past settlement record recorded in the settlement institution does not match, it is determined that unauthorized use has occurred.

According to the second aspect of the present invention, there is provided a payment card in which a payment record is recorded in a payment institution, comprising a memory for storing the payment record at the time of the previous payment, and at the time of a new payment, the memory storing the previous record stored in the memory. If the settlement record at the time of settlement does not match the settlement record at the time of the previous settlement recorded in the settlement institution, it is determined that an unauthorized use has occurred.

Therefore, in the settlement card according to the first and second aspects of the present invention, by taking the above-described measures, it is possible to recognize the improper use, if any.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings shown in FIGS.

FIG. 1 is a system configuration diagram showing an example of a card unauthorized use judging device which judges improper use of a card by applying a payment card according to an embodiment of the present invention.

That is, as shown in FIG. 1, a card unauthorized use judging device to which the payment card 1 according to the embodiment of the present invention is applied includes a card information reading device 2, a transaction data input device 3, and a transmission device 4. , A transaction database 5, and a comparison and collation device 6.

The payment card 1 stores the card ID data 7
It is recorded by magnetism or IC. Further, a memory 8 is provided for storing previous transaction data (product name, product code, payment amount, payment method, transaction store, etc.) relating to the transaction performed last time.

When a payment is made by the payment card 1, the card information reading device 2 relates to the card ID data 7 recorded on the payment card 1 and the previously performed transaction stored in the memory 8. The last transaction data is read and output to the transmission device 4. In addition, the transmission device 4
When the forged non-confirmed data, which is information indicating that there is no forged card, is output, the current transaction data (product name, product code, payment amount, The payment method, the transaction store, etc.) are written in the memory 8 of the payment card 1 and the data is updated as new previous transaction data.

The transaction data input device 3 inputs current transaction data (product name, product code, payment amount, payment method, transaction store, etc.) which is data relating to the current transaction when the payment is made by the payment card 1. Device that performs
When the current transaction data is input, the input transaction data is printed out and output to the transmission device 4.

The transmission device 4 includes the card ID data 7 output from the card information reading device 2 and the previous transaction data,
The current transaction data output from the transaction data input device 3 is transmitted to the transaction database 5 and the comparison and collation device 6. Further, when the forgery-unconfirmed data, which is information indicating that there is no counterfeit card, is transmitted from the comparison / collation device 6, the data is output to the card information reader 2.

The card information reading device 2, transaction data input device 3, and transmission device 4 are provided in a store terminal 10 provided in a store. Further, the transaction database 5 and the comparison and collation device 6 are provided in a settlement institution 11 provided in a credit company or a bank. The store terminal 10 and the settlement institution 11 are connected by a communication network.

The transaction database 5 records the current transaction data transmitted from the transmission device 4 in association with the card ID data 7. In addition, the last transaction data recorded for the card ID data 7 is output to the comparison and collation device 6.

The comparison and collation device 6 compares the previous transaction data transmitted from the transmission device 4 together with the card ID data 7 with the previous transaction data recorded for the same card ID data 7 output from the comparison and collation device 6. I do.

If the two previous transaction data do not match, it is determined that the payment card 1 used for payment has been illegally used. That is, whether the payment card 1 itself used for the current payment is a fake,
Alternatively, it is determined that the payment card 1 has been forged and that somebody is using the fake card.

On the other hand, if the two previous transaction data match, it is determined that the payment card 1 used for this payment is not a forged card and that no one else is using the forged card. Then, forgery-unconfirmed data, which is information indicating that there is no forged card, is transmitted to the transmission device 4.

Next, an operation of the card unauthorized use judging device to which the settlement card 1 according to the embodiment of the present invention having the above concept is applied will be described with reference to a flowchart shown in FIG.

First, the payment card 1 is presented to the store terminal 10 in order to make payment for the current transaction (S
1), the card ID data 7 recorded on the payment card 1 and the previous transaction data stored in the memory 8 are read by the card information reading device 2 and output to the transmission device 4 (S2).

Next, the current transaction data (product name, product code, payment amount, payment method, transaction store, etc.), which is data relating to the current transaction, is input by the transaction data input device 3.
Is entered. The input current transaction data is further output to the transmission device 4 (S3).

When the card ID data 7, the previous transaction data, and the current transaction data are output to the transmission device 4 in this manner, the transmission device 4 further transmits the transaction database 5 provided in the clearing house 11 and the comparison and collation. It is transmitted to the device 6 (S4).

The current transaction data transmitted from the transmission device 4 to the transaction database 5 is recorded in the transaction database 5 in association with the card ID data 7. In addition, the comparison database 6
In response, the previous transaction data recorded in association with the card ID data 7 is output (S5).

On the other hand, the previous transaction data transmitted from the transmission device 4 to the comparison / collation device 6 and the previous transaction database output from the transaction database 5 to the comparison / collation device 6 in step S5 are compared in the comparison / collation device 6. Be compared. Both previous transaction databases have the same card ID
Since it is associated with the data 7, the comparison is reliably performed (S6).

As a result of the comparison performed by the comparison and collation device 6, when both the previous transaction data match (S7: Ye)
In s), the presented payment card 1 is not a counterfeit card, and there is no other person using the counterfeit card of the payment card 1, and the transaction is completed. When the transaction is thus established, the forgery-unconfirmed data is transmitted from the comparison and collation device 6 to the transmission device 4 (S8).

The data for which no forgery has been confirmed transmitted to the transmission device 4 is further transferred from the transmission device 4 to the card information reading device 2. Then, in the card information reading device 2, the current transaction data input to the transaction data input device 3 is fetched, and this current transaction data is written into the memory 8 of the settlement card 1, and the data is stored as new previous transaction data. It is updated (S9).

On the other hand, as a result of the comparison by the comparison / matching device 6, the two previous transaction data do not match (S7: No)
In this case, it is determined that the payment card 1 used for payment is a target of unauthorized use, and this transaction is not established (S10).

In this case, either the payment card 1 itself used for the current payment is fake or the payment card 1 is forged and someone uses the fake card. Is checked (S11).

As described above, in the card unauthorized use judging device to which the payment card according to the embodiment of the present invention is applied, the previous transaction data is stored in the memory 8 of the payment card 1 by the above-described operation. When the payment card 1 is used, the previous transaction data stored in the memory 8 is compared with the previous transaction data stored in the transaction database 5 of the payment institution 11 such as a credit company or a bank, thereby forging. It can be determined that the card is not used.

According to the settlement card 1 of the present invention, even if a forgery is performed, a transaction is not established unless the data including the previous transaction data stored in the memory 8 is stolen. .

Even if all the card data including the previous transaction data stored in the memory 8 is stolen and a forged card is created based on this, even if the forged card is used, If the legitimate owner makes a card transaction in another place, the transaction is completed because the previous transaction data in the memory 8 of the legitimate payment card 1 is rewritten and no longer matches the previous transaction data of the forged card. do not do.

Even when a transaction using a forged card is established, if the authorized owner carries out the transaction, the transaction is rejected due to the inconsistency in the previous transaction data, so that the use of the forged card can be noticed.

As described above, it is possible to realize a payment card which is excellent in security and can prevent transactions with a forged card.

Although the preferred embodiments of the present invention have been described with reference to the accompanying drawings, the present invention is not limited to such configurations. Within the scope of the technical idea described in the claims, those skilled in the art can come up with various modified examples and modified examples, and these modified examples and modified examples are also within the technical scope of the present invention. It is understood that it belongs to.

For example, in the above embodiment, the case where the previous transaction data is stored in the memory 8 of the payment card 1 is described as an example, but the data stored in the memory 8 is limited to the previous transaction data. Instead, the transaction data may be a plurality of transaction data or transaction data for a certain period. In the transaction database 5, a random number is generated for each transaction and recorded together with the transaction data. On the other hand, the random number is stored in the memory 8 of the payment card 1 and stored in the memory 8 at the next transaction. You may make it collate the random number with which the random number recorded on the transaction database 5 was carried out.

In the configuration shown in FIG. 1, the comparison and collation device 6 is provided on the settlement institution 11 side, but may be provided on the store terminal 10 side.

[0043]

As described above, according to the present invention,
The payment card itself has a memory in which the transaction data is stored, and when using the payment card, the past transaction data stored in this memory and the past transaction stored in the payment institution such as a credit company or a bank. By collating with the data, it can be determined that the card is not a counterfeit card.

As a result, it is possible to realize a payment card which is excellent in security and can prevent a transaction using a forged card.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing an example of a card unauthorized use determination device that determines unauthorized use of a card by applying a payment card according to an embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the card unauthorized use determination device to which the payment card according to the embodiment of the present invention is applied;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Payment card 2 ... Card information reading device 3 ... Transaction data input device 4 ... Transmission device 5 ... Transaction database 6 ... Comparative matching device 7 ... Card ID data 8 ... Memory 10 ... Store terminal 11 ... Payment institution

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Claims (2)

[Claims] 1. A payment card in which a payment record is recorded in a payment institution, comprising: a memory for storing the payment record, wherein at the time of a new payment, a past payment record stored in the memory;
A payment card characterized in that when the past payment record recorded in the payment institution does not match, it is determined that there has been unauthorized use. 2. A settlement card in which a settlement record is recorded in a settlement institution, comprising a memory for storing the settlement record at the time of the previous settlement, and at the time of a new settlement, the memory at the time of the previous settlement stored in said memory. If the settlement record does not match the settlement record at the time of the previous settlement recorded in the settlement institution, it is determined that there has been unauthorized use.