JP2002109237A - Ic card for card dealing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate an increase in the number of dedicated terminals corresponding to respective cards and to eliminate the need for new program settings of a settling terminal since service processing, such as the automatic update of points irrelevantly to the settling terminal, accompanying card dealings is performed and completed when dealings are carried out using a credit card, etc. SOLUTION: A program which can complete the specific service processing accompanying the card dealings through only self-operation corresponding to processing operation by the settling terminal is stored on an IC card as a recording medium.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology of an IC card used for so-called card transactions such as a credit card and a debit card.

[0002]

2. Description of the Related Art Conventionally, when a transaction is performed using a credit card, a debit card, or the like, various services (discount preferential treatment, sweepstakes, lottery, commodity exchange, reduction of loan interest rate, etc.) are received according to the transaction amount. Is widely used.
As such a concrete system, there is a system in which service points are given.

[0003] In such a service point grant system, a member file of a center such as a credit company includes:
In general, a point balance is stored, and the point addition at the time of purchase of a product accompanied by payment such as a credit card is automatically accumulated in a file on the center side based on the payment data. In such a center system, as represented by the airline's point grant system, the center side often adds points at a later date, deletes expired points, and adds extra service points (for example, bonus points). There is a merit that the degree of freedom of the center side processing such as performing is large.

On the other hand, in the case of a card provided with a recording display or a recording medium, for example, PET (polyethylene terephthalate) or a multipurpose IC card, points can be recorded on the card. In addition, a system in which the accumulated point balance is processed by software of a dedicated terminal and recorded on a card has also become widespread. With this method, at the store where the dedicated terminal is located, the merchandise at the store can be paid for by exchanging points, so members can immediately obtain the desired product from many options or use it for cash substitution The point system can be taken off-line, so that there is an advantage that an inexpensive operation cost can be realized. Further, there is a large degree of freedom such as changing the point award rate for each dedicated terminal.

[0005]

In the point addition processing in the center system, the center file is often not updated in real time, and the member cannot use the points immediately. In other words, the point balance and the like are described in the credit withdrawal statement by the last month's closing balance update and notified, and a mechanism of applying for exchange with a specific product by mail or the Internet has to be general. Further, when exchanging points (subtraction), it is necessary to install a real-time updating terminal for the center file, so that there is a problem that the number of exchangeable shops and products is limited to a small number.

On the other hand, in the latter dedicated terminal system, since the point system is different for various cards (card issuing companies), if the store tries to take in various card users as customers, the dedicated terminals are replaced by the number of cards. It is necessary to increase the number of programs or to additionally set programs in the terminal, which is practically difficult to implement. Also, it is difficult to change the rate of giving points according to the user and the time. Also,
If it is used for Internet transactions, many mechanisms must record different point programs on a consumer's PC or the like, and there is also a problem that tampering with malicious intent is easy. Also, when the point balance is held in the card and the point exchange at many general stores is to be realized, the terminal software corresponding to the point system (sometimes, for example, reading and writing the balance display screen). It is necessary to install hardware for special functions) in payment terminals, and in the end, it is necessary to record point programs with many different mechanisms in terminals, and it is difficult to update and maintain such programs etc. There's a problem.

[0007] The present invention has been made in view of the above problems, and a service associated with a card transaction on the card side, such as automatically updating points at the time of credit or other card transaction regardless of the settlement terminal. The processing is completed, so there is no need to increase the number of dedicated terminals according to each card, and it is unnecessary to set up a new program on the payment terminal. It is intended to provide a technology for automatically executing a predetermined service process such as point addition / subtraction.

[0008]

For this reason, a card transaction IC card according to the present invention provides a predetermined method associated with a card transaction in response to a processing operation of a settlement terminal at the time of card transaction using the IC card. It is characterized in that a program capable of completing the service processing only by its own operation is stored in a recording medium of an IC card.

Here, the predetermined service processing accompanying the card transaction includes, for example, addition and storage processing of service points in the service point system, subtraction amortization processing, and the like, discount processing according to the transaction amount in the discount coupon system, lottery. Refers to lottery execution processing according to the transaction amount in the service.

[0010] In addition, a card transaction means, instead of cash,
Payment is made using a card such as a credit card, a debit card, or an electronic money card.

An IC card is assumed to be issued by an organization with a consumer credit guarantee, such as credit, debit, electronic money, etc., and is linked to the settlement function of the card. As long as the card has a service program that functions as a special function and has high security and a specific specification, its name, including the mixing of other functions, is not particularly limited (point cards, preferential member data, discount coupon data, etc.) And, in some cases, various forms of co-branded cards held in multiple mixes).

The payment terminal is a terminal used for payment processing during card transactions, and refers to any IC card compatible terminal having a payment security function, such as a credit terminal or an integrated payment terminal handling a plurality of cards. Here, a terminal or the like used in a mobile payment system including the Internet compatibility which is separately proposed by the present applicant in Japanese Patent Application No. 2000-50674 may be included. In addition, a terminal that performs special processing such as automatically transmitting the service accumulation balance such as points in the IC card to the center or performing special point exchange may be provided. In the case of such a configuration, for example, in the point processing program, the center side holds the calculated value of the balance calculated from the credit usage amount and the like, and specifies the balance for each IC card and the unsent individual transaction data at predetermined time intervals. Mutual verification can be performed by notifying by the terminal device, which is effective in preventing falsification of the IC card balance and the like.

If the program is completed on the IC card side, a plurality of programs, for example, a process of automatically retrieving a discount coupon and the like and automatically applying the discount, automatically applying a discount rate according to the accumulated points and performing a discount. processing,
A composite service program that can perform a plurality of processes such as a lottery process may be stored.

Next, the operation of such a system will be described. In the following description, an example is described in which a program stored in a recording medium of an IC card executes a service point addition storage process and a subtraction amortization process in a service point system.

At a store or the like where an IC card such as a credit card can be used (including a virtual store on the Internet, hereinafter referred to as a “member store”), an I card such as a credit card is used.
When the IC card is used at the time of payment of the C card user (hereinafter referred to as “member”), that is, at the time of card transaction, first, the settlement processing by the settlement terminal (card authentication between centers, personal authentication, transaction balance) Authentication). If the card transaction is finally authenticated by this processing, the program stored in the recording medium of the same IC card automatically operates in conjunction with the IC card reading / writing processing, and the predetermined addition rate is obtained. Calculation based on such parameters is performed based on the payment amount, and is added to and stored in the point balance in the recording medium. Thereby, the point balance in the IC card is updated. At this time, transaction history information including the member store number and the like may be stored in the IC at the same time.

As described above, in the IC card of the above example,
All the processing for adding and storing the service points awarded according to the transaction amount is performed by a program stored in the recording medium, and the processing of the program is linked with the settlement terminal processing of the card transaction. From that
As long as the payment terminal processing for card transactions is the same for various cards with different service point provision methods, point payment processing is possible with a common payment terminal for any card with any point provision method Becomes That is, the point addition rate may be different depending on the card type and the member status, or the program of the point providing process may be different in the first place.

That is, according to the present invention, since the processing of the program in the IC card is completed only by its own operation, the payment terminal only needs to have a normal payment card transaction processing program. Even if the program to be executed is a different card, a normal payment terminal can be used. Thereby, even if the program is upgraded and the card function is enhanced (for example, display function, unique communication function, function sharing with the card case, etc.), the program assumes that the payment terminal side is the same as the conventional one. The service processing is activated, and the version upgrade of the desired service system can be transferred very easily.

The IC card of the present invention can also be used in the settlement of card transactions on the Internet or the like. However, in that case, reading and writing means for the IC card is required. The read / write means may be connected to a network terminal device such as a PC, or may be a concentrator which directly wirelessly communicates from an IC card or a read / write means existing on the center side.

[0019]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a configuration diagram of the entire system. In the figure, 1 is an IC card, 2 is a payment terminal with IC card reading / writing means, 3 is a net terminal device, 4 is the Internet, 5 is a WEB center for Internet shopping, and 6 is a terminal support center that can perform payment processing such as credit. , 7 is C
AFIS (Credit and Finansce Information Switchin
g System), a credit and debit settlement relay network, and 8 is a center of an IC card issuing organization such as a credit company.

FIG. 2 shows an example of a processing flow of this embodiment, and FIG. 3 shows an example of a flow of switching from the settlement processing in a program stored in the IC chip of the IC card 1.

The IC card 1 has an IC chip as a recording medium, in which a point program is stored. The point program is activated in conjunction with the IC card recording processing of the credit processing that has received the transaction approval in the settlement terminal 2, and calculates the service points to be granted according to the transaction amount at the holding rate held. , A process of adding to the point balance recorded in the IC chip and storing it. In the case where the user selects to perform processing such as payment using the points of the point balance stored in the IC chip, points to be reduced in proportion to the amount are calculated in accordance with the processing in the settlement terminal 2. Thereafter, a process of subtracting depreciation from the stored balance points is performed. The IC card 1 is assumed to have security required for settlement. It may be a contact type or a non-contact type, or it may have a communication function that can process directly with the center without going through a terminal in a wireless system, but each has its own security measures such as encryption and prevention of "spoofing" Need to be done.

The IC card issuing institution center 8 has a configuration in which an institution that issues the IC card 1, a credit company, etc. are installed. In FIG. 1, it is assumed that the IC card issuance center is arranged for each issuing institution to which the present system is applied. Although only one of them is described, it means a configuration in which the distribution relay to a plurality of settlement nets is performed by the terminal correspondence center 6 and the distribution relay to a plurality of card issuing institutions is performed by the settlement net 7. Note that various configurations are assumed for this connection configuration. That is, even in a form in which the payment terminal 2 and the net terminal 3 are integrated,
It may be a form via a separate network that does not go through the Internet 4, a form in which the settlement network 7 itself performs these functions without going through the member store WEB 5 or the terminal correspondence center 6, or a part or all of the functions of the card issuing organization 8. May be achieved. Further, the card issuing institution center 8 and the point issuing institution may be different. Again,
The contact point of the member store in the point processing is fulfilled by the card issuing institution center 8 such as a credit company, and the processing of part or all of the center system of the point issuing institution may be performed on behalf of the center.

The terminal correspondence center 6 is provided for each area / business type or corresponding to a predetermined number of settlement terminals 2. In FIG. 1, only one terminal is arranged. General. The terminal correspondence center 6 receives the information transmitted from the payment terminal 2, decrypts the encrypted data and authenticates the validity of the payment terminal 2, and then, based on the card issuing institution ID and the like, the IC card 1 Has a function of selecting the settlement net 7 and distributing and transmitting the settlement request information to the center 8 which is the issuing institution. For this reason, the terminal correspondence center 6 is provided with a management master such as a card issuing organization.

In the terminal correspondence center 6, processing including the affiliated store or tie-up and common point-related processing and settlement processing for the IC card 1, download including the affiliated store or tie-up and a common discount coupon, etc. Further, a part of the affiliated store, such as customer management and billing / sales management, may be performed, or terminal usage fee management and membership fee collection management may be performed.

In the present embodiment, the settlement center 2 is connected to the terminal correspondence center 6, but the card issuing agency center is connected via the settlement net 7 from the member store WEB 5 without the terminal correspondence center 6. It may be configured to connect to 8. In this case, it is necessary to apply a special encryption to the information portion related to the member security in the message so that the information cannot be decrypted by the member store WEB5. Needless to say, the IC card 1 can record other encrypted information and read the information, and the payment terminal 2 can be provided with a card processing function other than the IC card 1. No.

Next, referring to FIG. 2, an IC card of the present system will be described.
The processing example 1 will be described.

In a virtual shop X on the Internet 4 using the present system, it is assumed that a consumer who wants to purchase a product uses an IC card 1 containing a point program at the time of payment (in advance). Point program recording, process (1) (2)). First, the consumer uses the net terminal 3 to search for a desired product in the virtual store X, confirms it with a reliable card member store mark posted by the member store, and then decides the purchased product and the number of purchases and places an order ( Steps (3) and (4)). At this time, depending on the merchant, in addition to members who are sure to pay such as debit and credit,
If the discount coupon or other preferential treatment recorded in the IC card 1 is worthy of a special treatment, various preferential treatments may be performed.

When the member notifies the member store WEB5 of the payment means of the credit card, the net terminal 3 displays the settlement-related information including the product description and the billing price (step).
(Five)). The payment terminal 2 receives the payment-related information, and the member inserts the IC card 1 into the payment terminal 2 and receives personal authentication by inputting a password, fingerprint, or the like. When the IC card 1 confirmation and the personal authentication confirmation are completed, the settlement-related information is combined, and information necessary for the settlement message is extracted and assembled (step (6)).

The settlement request message is usually encrypted and transmitted to the terminal correspondence center 6, where it is decrypted and a settlement terminal or a settlement settlement net 7 is selected.
The card is transmitted to the card issuing organization center 8 after being encrypted. The card issuing center 8 having this function judges approval / denial if it is a credit, creates an answer message including an approval number, and returns it to the terminal correspondence center 6 via the settlement net 7. The terminal correspondence center 6 decrypts the response message, performs other necessary processing and information storage, assembles the response message, encrypts the response message, and returns it to the settlement terminal 2 (step (7)).

In the settlement terminal 2, for example, in the case of rejection, processing for switching to cash processing or the like is started, but if there is no particular problem, the IC card 1 is notified of the approval and the necessary data in the IC chip is updated. Normally, the process is completed here (step (8)). The point program is activated by using the final stage processing of the settlement terminal 2 as a start key, and adds a point of a conversion rate corresponding to the corresponding amount to the I card of the IC card 1.
This is performed for the point balance in the C chip. At this time, IC
In combination with the information in the card 1, processing such as addition record recording and stepwise history updating may be performed, or bonus addition may be performed under certain conditions (steps (9) and (10) ).

Here, the points of the IC card 1
In order to confirm whether the program has added points, a special program may be provided on the settlement terminal 2 side to display answer information processed by the point program. This method requires a point system compatible program to be recorded and maintained on the terminal side, which is a drawback.However, if standardized mechanisms such as common points on the Internet become widespread, this method can be realized sufficiently. . As another method, a method of displaying a point balance or the like on the IC card 1 itself or an accessory such as a storage case or a viewer may be considered. In this case, a special mechanism is required on the terminal side, which is limited. For this reason, a method of displaying on the screen of the user by the function of the IC card 1 itself or a method of displaying by the function of the accessory is desirable.

Next, in the point exchange (subtraction) processing, the payment method at the time of product purchase is selected by selecting a code similar to electronic money (steps (11) to (13)). 2 or the member store WEB5 allows it. When reading the IC card 1 (step (1
4)), a selectable payment method is displayed on the screen of the payment terminal 2, and by selecting an electronic money code corresponding to the point settlement, the corresponding price can be settled at a predetermined conversion point. It may be. The point issuer's settlement for the franchise store is performed by using the settlement terminal, which has the IC card 1 subtracting the point balance and producing the encrypted settlement data on the spot, mixed with the electronic money via the payment terminal.
One method is to settle the account by making an online request to the issuing company over the Internet, or to collectively send the encrypted settlement data to the issuing company at a later date and collectively settle the account (steps (14) to (16) )), Point depreciation processing is all IC
This is performed by the program in the card 1. In addition, without generating the settlement data, the IC card 1 of the member store or another individual (for example, with a point program of the same specification) is also inserted into the special payment terminal, and the balance is directly It may be a payment method such as payment by transfer.

In the above embodiment, the black check such as the theft of an IC card is based on a payment function such as credit, and may be left to such a mechanism.
For the purpose of preventing damages such as theft and tampering, the IC card 1 detects a physical operation such as prying or a sign of software rewriting to an IC chip with a physical sensor or a soft sensor. In order to make 1 unusable, some or all measures such as information destruction, program destruction, physical destruction, and IC function stoppage may be performed.

In this processing example, the example of payment via the Internet has been described. However, the IC card 1 can be used in a system configuration of a store payment terminal or a mobile payment terminal in a normal telephone network or a wireless telephone network. is there. Further, the present invention can also be used for a processing flow of only point inquiry without a settlement. It is also assumed that the IC card read / write device mentioned here is not only a terminal for internet connection, but also integrated into a general payment terminal for stores, a multifunction vending machine, a portable payment terminal, a ticketing terminal, etc. are doing. In any case, this IC card read / write terminal device uses a closed-type security measure (for example, tamper-resistant function, inter-center communication encryption, part of software, etc.) to secure the security of built-in software and information to be handled. It is desirable to provide. Further, in the present processing example, it is assumed that the terminal or the network device is used. However, the communication function is incorporated in the IC card itself, and for example, processing such as point balance inquiry and coupon / download may be directly performed on the host between card issuers. Good.

Further, in the case of this system, an IC card
Since the total balance of the points stored in one IC chip can be calculated from, for example, the credit use data side, it is desirable to collate the balance with the IC card balance from time to time. However, in order to make that verification possible,
As shown in FIG. 5 (a), the special terminal incorporates necessary information such as the point balance of the IC card into the settlement data,
A system that sends data to the center and collects it and matches it with the center file, or as shown in FIG.
In a terminal equipped with a specific program, it is desirable that a mechanism for weaving in the point balance data and the accumulated untransmitted transaction data and the like even in the point update data is mixed.

[0037]

As described above, according to the IC card for card transaction according to the present invention, at the time of card transaction using the IC card, the predetermined operation accompanying the card transaction is performed in accordance with the processing operation of the settlement terminal. Since the service processing of this service can be completed only by self-operation, the program for storing the service is not required to be set in the payment terminal because the program for storing the program is stored in the recording medium of the IC card. Even if the card is a service grant system,
The card transaction can be performed with a conventional payment terminal.

In addition, even if the stored program expands its functions by version upgrade or the like, the settlement terminal can be used as it is, so that the cart transaction accompanying service itself to be processed by the program can be flexibly changed. It is something that can be done. In other words, by devising the program in the IC card, it is possible to provide various services linked to each payment card without adding or changing the software of the terminal or center and without burdening the maintenance. It is easy to respond to various service requests from business partners.

Further, when a program for the point service processing is stored, services can be diversified, such as differentiating the point rate, etc. according to the card member's usage history, and this is also effective for fixing members. In addition, it can also have functions such as balance management of points at the center and individual transaction collation.
Since it is integrated with a card transaction card such as a credit card, it is possible to eliminate an abuse card by using a black list or the like, so that a highly reliable service system can be maintained and operated.

In addition, since the service points are automatically updated at the time of card transaction, not only the time until the points can be used is remarkably shortened as compared with the case of the center system, but also a program for performing the subtraction amortization process is provided. Since the information is stored in the IC card, the points can be used as compensation for the payment.

[Brief description of the drawings]

FIG. 1 is a system schematic diagram showing a specific embodiment of the present invention.

FIG. 2 is a process showing a settlement process of the system shown in FIG. 1;

FIGS. 3A and 3B are explanatory diagrams showing an example of a program recorded in an IC card according to the present embodiment. FIG. 3A shows a flow at the time of point addition, and FIG. 3B shows a flow at the time of point exchange.

FIG. 4 is an explanatory diagram showing an example of settlement by point exchange according to the embodiment.

FIG. 5 shows an example of data used for the transaction of the IC card according to the embodiment, (a) shows the settlement data created by the IC card, and (b) shows the balance report data to be transmitted from a special terminal or the like. Show.

[Explanation of symbols]

 1 IC card 2 Payment terminal 3 Net terminal device 4 Network line 5 Member store WEB 6 Terminal support center 7 Payment net 8 Card issuing organization center

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Claims (3)

[Claims] When a card transaction using an IC card is performed, a program capable of completing a predetermined service process accompanying the card transaction only by a self-operation corresponding to a processing operation of a settlement terminal is provided by an IC card. An IC card for card transaction, wherein the IC card is stored in a recording medium. 2. A program capable of performing a process of adding and storing service points awarded according to a transaction amount in response to a processing operation of a settlement terminal in a card transaction using an IC card, An IC card for card transactions, which is stored in a recording medium of the IC card. 3. When a transaction is performed using a service point stored in a recording medium, a process of subtracting and amortizing the service point stored in the recording medium of the IC card according to a processing operation of the settlement terminal is performed. 3. The card transaction IC card according to claim 2, wherein the executable program is stored in a recording medium of the IC card.