JP2002123771A - Ic card and method for charging electronic money to the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an IC card for charging electronic money without being restricted by the account balance and the cash balance in hand and to provide a method for charging electronic money to the IC card. SOLUTION: The IC card 300 authenticates an original based on a password received from a user terminal 100 and transmits generated information in the IC card to the user terminal 100 (3). The user terminal 100 generates transmission data and transmits it to an electronic money server 600 (4). The electronic money server 600 decodes transmission data and transmits credit information and the like to a host computer 700 (5). When a result that the host computer 700 performs credit judgment is credit authorization (6), an electronic money charging instruction is given to the IC card 300 (7) and the user terminal 100 gives the charge command of electronic money to the IC card 300 (8).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an IC card capable of charging electronic money and a method for charging electronic money to the IC card.

[0002]

2. Description of the Related Art In recent years, electronic money has been placed on an IC card,
An electronic money system that can perform shopping and the like using the IC card is being introduced.

[0003] In such an IC card, the amount of electronic money decreases each time it is used for shopping or the like.
In order to continue using the IC card, it is necessary to charge the IC card with electronic money. In order to charge electronic money to such an IC card, at present, users of the IC card go to a charging machine in which a limited number is installed in a limited place.

[0004]

In view of such circumstances, for example, Japanese Unexamined Patent Application Publication No. 2000-222498 (mobile phone device and electronic money recharge system) allows an IC card to be connected to a mobile phone, Sends the user's account number and PIN to the bank, authenticates the user at the bank based on the received account number and PIN, and if authenticated, corresponds to the amount of electronic money specified by the user A technique has been proposed in which an amount of electronic money is charged to an IC card while the amount is reduced from a user's account.

However, the above-mentioned Japanese Patent Laid-Open No. 2000-2
In Japanese Patent No. 22498, it is assumed that there is a balance in a bank account at the time of charging electronic money. Therefore, if there is a plan to make a deposit soon but there is not enough room in the account, it is desired to charge electronic money. There is a problem that can not be charged.

An object of the present invention is to provide an IC card that can charge electronic money without being limited to an account balance or a cash balance on hand, in view of the above-mentioned problems.

Another object of the present invention is to provide a user terminal capable of charging the IC card with electronic money.

It is another object of the present invention to provide a computer system for instructing the user terminal to charge electronic money to charge the IC card with electronic money.

It is another object of the present invention to provide an electronic money charging system capable of charging electronic money to the IC card via the user terminal and the computer system.

[0010] It is another object of the present invention to provide a program for realizing charging of the IC card with electronic money for each of the IC card, the user terminal, and the computer system.

Another object of the present invention is to provide an electronic money charging method for charging the IC card with electronic money using the electronic money charging system.

[0012]

In order to achieve the above object, according to the first aspect of the present invention, first storage means for storing electronic money information including electronic money, and credit information are stored. A second storage unit, a third storage unit in which the personal identification ID is stored in advance, and the personal identification ID and the third storage unit in response to the input of the personal identification ID from the user terminal. Collated with the authenticated ID,
Verification means for generating a verification result; first reading means for reading electronic money information stored in the first storage means; and second storage in response to a credit information read command signal from the user terminal. Second reading means for reading credit information stored in the means, and a card authentication I in response to receipt of transaction information from the user terminal.
D, and outputs the card authentication ID to the user terminal together with the electronic money information stored in the first storage means, the credit information stored in the second storage means, and the verification result. IC card comprising: a card authentication ID creating means for charging; and a charge means for charging electronic money to electronic money information stored in the first storage means in response to an electronic money charge command signal from the user terminal. It is a card.

According to a second aspect of the present invention, there is provided a first storage means for storing electronic money information including electronic money, a second storage means for storing credit information, and the first storage means when using electronic money. First reading means for reading electronic money information stored in the means, and second reading means for reading credit information stored in the second storage means in response to a credit information reading command signal from a user terminal. A charge means for charging electronic money to electronic money information stored in the first storage means in response to an electronic money charge command signal from the user terminal. .

According to a third aspect of the present invention, in the IC card according to the first or second aspect, the IC card has a credit card function, and a credit information read command signal from the user terminal is transmitted to the IC card. The electronic money to be charged to the credit card is transmitted for settlement by the credit card.

[0015] The invention according to claim 4 is the invention according to claims 1 to 3.
Wherein the electronic money charged by the charging means to the electronic money information stored in the second storage means is electronic money purchased by settlement with the credit card. It is characterized by.

According to a fifth aspect of the present invention, in the IC card according to the first or second aspect, the transaction information includes a plurality of pieces of information, and the card authentication ID creating means uses a specific encryption key. Then, the card authentication ID is created by performing encryption.

According to a sixth aspect of the present invention, in the IC card according to the first or second aspect, the transaction information includes an electronic money amount and a transaction date to be charged to the IC card received from the user terminal. It is characterized by.

According to a seventh aspect of the present invention, in the IC card according to the first or second aspect, the transaction information includes the comparison result.

The invention according to claim 8 is the invention according to claims 1 to 7.
A first input means for inputting an amount of electronic money to be charged to the IC card, a second input means for inputting a personal identification ID, and a credit information read command signal for the IC card. Signal transmission means for transmitting a charge command signal for electronic money, first terminal-side input / output means for communicating information with the IC card, and computer holding electronic money information and credit card member information It is a user terminal provided with second terminal-side input / output means for exchanging information with the system.

According to a ninth aspect of the present invention, in the user terminal according to the eighth aspect, the information includes an amount of electronic money input from the first input means and a first reading of the IC card. Electronic money information read by the means,
The credit information read by the second reading means of the IC card, the card authentication ID generated by the card authentication ID generating means of the IC card, the verification result generated by the IC card verification means, It is characterized by including at least one of electronic money charged to an IC card.

According to a tenth aspect of the present invention, in the user terminal of the eighth aspect, the amount of electronic money input from the first input means is settled and purchased by a credit card function of the IC card. The amount of electronic money to be paid.

According to an eleventh aspect of the present invention, in the user terminal according to the eighth aspect, any one of the card authentication ID, the credit information, the electronic money information, and the collation result received from the IC card is provided. , Which further includes an encrypting means for further encrypting at least one of them and generating transmission data.

According to a twelfth aspect of the present invention, there is provided a first server which holds electronic money information and issues electronic money, and a second server which holds member information and performs credit judgment based on the member information. In a computer system comprising
12. The first server, wherein the first server communicates information with the user terminal and the second server according to any one of claims 8 to 11, and a notification of a credit determination result from the second server. Claims 1 to 7 in response to
Instruction signal transmitting means for instructing to transmit a charge command signal of electronic money to the IC card according to any of the above, wherein the second server, based on the information,
Determining means for determining the authenticity of the IC card; and the IC card of the determining means makes a credit determination to the IC card owner in response to the determination that the IC card is true, and sends the credit determination to the first server. And a second communication unit for notifying a result.

According to a thirteenth aspect of the present invention, in the computer system of the twelfth aspect, the first server includes a decryption unit for decrypting the transmission data generated by the encryption unit of the user terminal. It is characterized by having.

According to a fourteenth aspect of the present invention, in the computer system according to the twelfth or thirteenth aspect, the first server stores guidance information displayed by the user terminal to input information at the user terminal. It is provided with guidance information storage means, wherein the user terminal reads out and displays the guidance information.

According to a fifteenth aspect of the present invention, in the computer system according to the fourteenth aspect, the guide information is in the form of a markup language document.

[0027] According to a sixteenth aspect of the present invention, in the IC card according to any one of the first to seventh aspects, the second storage means of the IC card responds to a credit information read command signal from a user terminal. Reading the stored credit information; and responding to the input of the personal identification ID from the user terminal, the personal authentication ID and the IC.
A step of collating with a personal identification ID stored in a third storage means of the card, a step of reading electronic money information stored in the first storage means, and a step of receiving transaction information from the user terminal. A card authentication ID is created in response to the card authentication ID together with the electronic money information stored in the first storage means, the credit information stored in the second storage means, and the verification result. For outputting electronic money to the user terminal; and charging electronic money information to electronic money information stored in the first storage means in response to an electronic money charge command signal from the user terminal. It is characterized by being.

According to a seventeenth aspect of the present invention, in the program according to the sixteenth aspect, the transaction information includes a plurality of pieces of information, and the step of creating the card authentication ID uses a specific encryption key. The card authentication ID is created by encryption.

The invention according to claim 18 is the program according to claim 16, wherein the transaction information includes an electronic money amount and a transaction date to be charged to the IC card received from the user terminal. I do.

According to a nineteenth aspect, in the program according to the sixteenth aspect, the transaction information includes the comparison result.

According to a twentieth aspect of the present invention, in the user terminal according to any one of the eighth to eleventh aspects, the signal transmission means is controlled to send a credit information read command signal and / or electronic money to the IC card. Transmitting a charge command signal; controlling the first terminal-side input / output means to communicate information with the IC card; and controlling the second terminal-side input / output means to control the computer And a step of performing communication with the system.

According to a twenty-first aspect of the present invention, in the program according to the twentieth aspect, any one of the card authentication ID, the credit information, the electronic money information, and the collation result received from the IC card is provided. The method further includes a step of further encrypting the information including at least one to generate data for transmission.

According to a twenty-second aspect of the present invention, in the computer system according to any one of the twelfth to fifteenth aspects, the first server controls the first communication means to control the user terminal and the first terminal. And exchanging information including at least one of the second server, the amount of the electronic money, the card authentication ID, the electronic money information, the collation result, and the credit information. Performing, in the second server, authenticity of the IC card based on the information received from the user terminal; and, in the second server, determining that the IC card is true; Notifying the first server of the result of the credit determination when making a credit determination to the owner; Results In response to the notification, the the user terminal, characterized in that it is a program for realizing the step of transmitting an instruction signal instructing the outgoing charge command signal of the electronic money for the IC card.

According to a twenty-third aspect of the present invention, in the program according to the twenty-first aspect, the first server decrypts the card authentication ID further encrypted by the encryption means of the user terminal. It is characterized by having.

According to a twenty-fourth aspect of the present invention, there is provided a recording medium storing the program according to any one of the sixteenth to twenty-third aspects.

According to a twenty-fifth aspect of the present invention, there is provided an electronic money charging system including the user terminal according to any one of the eighth to eleventh aspects and the computer system according to the twelfth aspect. Items 1 to 7
A method for charging electronic money to an IC card according to any one of claims 1 to 3, wherein the user terminal includes the IC card.
Inputting the amount of electronic money to be charged into the card; inputting an identification ID at the user terminal; and executing the IC at the user terminal in response to a credit information read command signal from the user terminal. Credit information read from the card, a card authentication ID created in the IC card in response to receiving transaction information from the user terminal,
Electronic money information stored in the first storage means of the IC card;
Receiving, from the IC card, a matching result obtained by matching the identity authentication ID and the identity authentication ID stored in the IC card in the IC card in response to the input of D, The card authentication ID received from the IC card, the electronic money information,
A step of further encrypting information including at least one of the credit information and the collation result to generate transmission data; and transmitting the transmission data to the computer system at the user terminal. The computer system determines the authenticity of the IC card based on the information;
When it is determined that the C card is true, a credit decision is made to the owner of the IC card, and in response to the result of the credit decision, electronic money to be charged to the user card for the user terminal; Transmitting an instruction signal for instructing transmission of an electronic money charge instruction signal to the IC card; and, at the user terminal, responding to the electronic money charge instruction signal from the computer system to the IC card. And transmitting an electronic money charge command signal to the computer system, and transmitting the electronic money received from the computer system.

[0037]

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

FIG. 1 shows an example of a system configuration of an electronic money charging system according to the present invention. The electronic money charge system includes a user terminal 100 and a reader / writer device 200 connected to the user terminal 100 and loaded with an IC credit card (hereinafter referred to as an “IC card”) 300 for reading / writing the IC card 300. And a financial institution including the electronic money server 600 and the host computer 700 (computer)
It has a system 500 and a communication network 800 such as the Internet for connecting the user terminal 100 and the financial institution side system 500.

The user terminal 100 is a terminal used by a user who is the owner of the IC card, and a terminal owned by the user himself / herself, which is installed in a specific place such as a store and can charge electronic money. May be. The user operates the communication network 800 from the user terminal 100.
Access to the electronic money server 600 via
A request for charging electronic money to the C card 300 is made. As the device of the user terminal 100, web information (H
A commercially available personal computer equipped with browser software (for example, Internet Explorer (trademark) of Microsoft Corporation, Netscape (trademark) of Netscape Communication Corporation, etc.) capable of browsing information specified by markup language documents such as TML documents. , PDA (Personal Data Assistance)
Or any of an information processing device such as a wireless paging terminal, a PHS terminal, and a mobile communication terminal. In particular, the mobile communication terminal may be a terminal having an e-mail function or an Internet access function (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc.). .

The reader / writer device 200 is a device used by the user, like the user terminal 100. leader/
The writer device 200 is connected to the user terminal 100,
It reads / writes information stored in the C card 300. The IC card 300 is a card device possessed by the user. The IC card 300 includes electronic money information including an amount of electronic money, an ID of an electronic money application, an electronic signature, and the like on an IC chip in the IC card 300.
And credit information including the amount of electronic money, a credit card number, and the like that the user purchases and charges the IC card 300 with the credit card function.

The electronic money server 600 is a server installed as a part of the system 500 on the side of a financial institution such as a bank that issues electronic money, and can have the same hardware configuration as that of the related art. Electronic money server 60
The hard disk in 0 is provided with a program called a WEB server, which provides a home page (HTML document) to the user terminal 100, a gateway program, and the like. The gateway program is a program that processes information from the user terminal 100 acquired by the electronic money server 600 via the web server.

As will be described later, in the present embodiment, the host computer 7 is used for processing related to the charging of electronic money, and for payment processing using a credit card or electronic money.
The gateway program is mainly executed in accordance with an instruction from the user terminal 100 to exchange information between the electronic money server 600 and the electronic money server 600.

The electronic money server 600 stores a program for issuing electronic money and electronic money information 610 related to the issuance of electronic money. Electronic money server 6
00 is a function for decoding the transmission data received from the user terminal 100 and transmitting the credit information to the host computer 700, the credit determination result obtained from the host computer 700, and the transmission data transmitted from the user terminal 100. It has a function of instructing the IC card 300 owned by the user to charge electronic money based on the included electronic money information.

The host computer 700 is a server installed at a credit card issuer, for example, a credit card company, and can have the same hardware configuration as that of the related art. A hard disk in the host computer 700 has a program for determining whether the IC card 300 is true or false based on an electronic money application program (described later), and member information relating to the user who is the IC card owner stored in the internal storage device. A program for providing the electronic money server 600 with the result of the credit determination for the owner of the IC card 300 performed with reference to 710 is installed. The host computer 700 determines whether the IC card 300 is true or false based on the credit information received from the electronic money server 600, and designates the user who is the owner of the IC card 300 with the credit card. Judge whether to purchase the amount of electronic money, that is, whether to credit the amount of electronic money,
When the credit is granted to the user, the electronic money server 6
00, the electronic money server 600 issues an instruction to the IC card 300 owned by the user that the amount of electronic money specified by the user can be transferred.

The communication network 800 connects the user terminal 100 and the financial institution side system 500 to each other via the communication network 800. Communication network 80
As 0, for example, the Internet, intranet, LAN (Local Area Network), general public telephone network (including both analog and digital), PDC / PDC
Any communication network such as a mobile communication circuit switching network / mobile communication packet switching network such as a P / W-CDMA system, a radio paging network, a PHS network, and a satellite communication network may be used.

FIG. 2 shows an example of the configuration of the user terminal 100 of FIG. The user terminal 100 is realized by, for example, a personal computer, and includes a main control unit (hereinafter referred to as a “CP
U ”), an input unit 120, and a display unit 130
, A storage unit 140, a communication unit 150, and a reader / writer unit 160. The CPU 110, the input unit 120, the display unit 130, the storage unit 140, the communication unit 150, and the reader / writer unit 160 are connected by a bus 170.

The CPU 110 has an OS (Operating
g System), and executes an electronic money charge program (described later) to encrypt the credit information and the like received from the IC card 300. The input unit 120 is an input unit for the user to input various data such as a personal identification number and the amount of electronic money to be charged. The input unit 120 selects various menus on the screen and inputs various types of data. It has an image scanner and the like. A display unit 130 using a display device is used by a user to monitor input results of various data, and displays various menu screens, processing results, and the like. The storage unit 140 includes a fixed disk device such as a hard disk, a flexible disk,
It has a data storage means such as an optical disk and a data temporary storage means such as a RAM. The data storage unit stores an electronic money charge program, an OS, and the like. The data temporary storage unit temporarily stores input / output data when the CPU 110 executes the electronic money charge program. The communication unit 150 is an electronic money server 600
And data communication via a communication line. Communication unit 15
As 0, a modem, a terminal adapter, or the like can be used according to the type of communication line (including wired / wireless, LAN / Internet, analog / digital, etc.). The reader / writer unit 160 includes the IC card 300
And a function of transmitting and receiving electronic money information and credit information.

FIG. 3 shows an example of the configuration of the IC card 300 of FIG. The IC card 300 includes a main control unit (hereinafter referred to as “C
PU ”) and the input / output interface unit 32
0, a storage unit 340, and the CPU 310, the input / output interface unit 320, the storage unit 340, and the bus 330.
Connected by

The CPU 310 performs processing for charging electronic money based on an electronic money application program (described later) and the like, processing for authenticating the user based on the personal identification ID (personal identification number) received from the user terminal 100, and storage unit. A process for encrypting the verification result of the personal authentication stored in 340 and creating a card authentication ID (may be referred to as IC card information) is executed. The input / output interface unit 320 transmits / receives an ID for personal authentication, an ID for card authentication, electronic money information, credit information, and the like to / from the user terminal 100. The storage unit 340 stores the EEP
A data rewritable nonvolatile memory such as a ROM is used, and has an electronic money information storage unit 350 and a credit information storage unit 360. Electronic money information storage unit 350
Is an electronic money application program, electronic money having value as money, and an IC card 300
E-money application name, e-money application ID number, amount of e-money to be charged, code indicating e-money application type, transaction serial number for specifying e-money charge transaction, electronic signature, etc. The electronic money information is stored. The credit information storage unit 360 stores an ID for personal authentication (for example, a personal identification number) corresponding to the credit card number, in addition to a credit application program, credit information including a credit card number, an amount of electronic money to be charged, and the like. It has a personal identification number storage unit 370 and a personal identification verification result storage unit 380 that stores the verification result of personal authentication performed by the CPU 310.

FIG. 4 shows an example of the flow of information in the electronic money charge system. An example in which a user purchases electronic money by using a credit function of an IC card as a settlement means for purchasing electronic money to be charged in the IC card 300 will be described with reference to FIG.

Processing (1) First, the user uses the keyboard of the user terminal 100 to charge the IC card 300 with electronic money.
The personal identification number (identification ID) given by the credit card issuing company is input. The user terminal 100 transmits the personal identification number to the IC card 300.

Processing (2) Next, the user uses the keyboard of the user terminal 100 to
The user inputs the amount of electronic money to be charged in the IC card 300. Next, the user terminal 100 transmits the amount of the electronic money to be charged to the IC card 300.

Processing (3) The IC card 300 reads out the personal identification number, which is the ID for personal authentication, stored in the IC card 300 based on the personal identification number received in the above processing (1), and inputs the personal identification number. It collates with the number (judgment of presence / absence) and performs personal authentication. If a match is obtained, the user is authenticated as the owner of the IC card 300.

Next, the IC card 300 is
The result of the personal authentication as to whether or not the user has been authenticated as the owner of 00 is coded, for example, as “00000000000000” to generate a personal authentication verification result. And
The authentication result, the amount of electronic money to be charged, the transaction date, and the like are encrypted to generate IC card information (card authentication ID). Then, the IC card 300 transmits the information in the IC card, the electronic money information, the credit information, and the like to the user terminal 100.
The user terminal 100 further performs an encryption process for transmitting information to the financial institution system 500 via the network 800. Data used as an encryption key in the encryption, for example, a result of the personal authentication verification Also,
The information is transmitted to the user terminal 100 together with the information in the IC card.

Processing (4) The user terminal 100 checks the amount of electronic money charged to the IC card 300 input by the user from the user terminal 100, the transaction date, the information in the IC card received from the IC card 300, the electronic money information, and the credit. The information and the like are further encrypted using an encryption key (for example, the result of personal authentication verification) to generate transmission data. The generated transmission data is transmitted from the user terminal 100 to the electronic money server 60.
Sent to 0.

Process (5) The electronic money server 600 decodes the transmission data received from the user terminal 100, extracts only the electronic money information to be processed by itself from the transmission data, and stores the remaining electronic money information in the host computer 700. Of the transmission data.

Processing (6) The host computer 700 uses the received remaining transmission data (credit information, information in the IC card, etc.)
It is determined whether the IC card 300 is true. More specifically, the encrypted data generated by encrypting the data to be encrypted when the information in the IC card 300 is generated in the IC card 300 is compared with the information in the IC card generated in the IC card 300. When both match, it is determined that the IC card 300 is true. When it is determined that the IC card 300 is true, the host computer 700 makes a credit approval determination with reference to the member information 710, and transmits the determination result to the electronic money server 600.

Process (7) If the credit judgment result received from the host computer 700 is a credit approval for the user, the electronic money server 600 replaces the electronic money in the electronic money server 600 with the electronic money amount designated by the user. The user terminal 100 is instructed to charge the IC card 300 possessed by the user with the transmitted electronic money.

Process (8) The user terminal 100 transmits the electronic money received from the electronic money server 600 to the IC card 300, and instructs the IC card 300 to charge the electronic money. I
The C card 300 charges the electronic money transmitted from the user terminal 100 to the electronic money information storage unit 350 in response to an electronic money charge command from the user terminal 100. In this way, the price of the electronic money purchased by the user using the credit card is paid by the user
The user is billed by the card issuing company at the time of billing for other products purchased at a general store using the credit function of the card 300.

Next, referring to FIG.
Will be described. The user operates the IC card 300
Purchase electronic money using the credit function of
When the electronic money charge program stored in the storage unit 140 is started to charge the card 300, C
The PU 110 performs the following processing.

First, the CPU 110 displays a process selection screen as shown in FIG. On the processing selection screen (FIG. 8), for example, “electronic money charging”, which is an option for selecting processing for charging the IC card 300 with electronic money, or the IC card 300
Options such as “check electronic money balance”, which are options for confirming the balance of electronic money in the list, are displayed.

The user inputs "1" which is a number for selecting "electronic money charge" from the process selection number input field 8a on the process selection screen (FIG. 8) and operates the enter button 8b to select the process. Is accepted, CPI 110
Changes the display screen to the electronic money charge processing main screen as shown in FIG. 9, and then displays the card insertion screen as shown in FIG.
Is inserted (S1000-S1005).

The CPU 110 has a reader / writer 160
When it is confirmed that the IC card 300 is inserted into the reader / writer device 200, a settlement means selection screen as shown in FIG. 11 is displayed on the display screen of the display unit 130.
On the payment means selection screen (FIG. 11), a credit card name specified for performing payment by a credit card function provided in the IC card 300, a transaction bank name specified for performing payment by debiting from a bank account, and the like are displayed. It is displayed as an option of the settlement means of the electronic money charge. The CPU 110 instructs the user to select a payment method by displaying a payment method selection screen (FIG. 11) on the display screen of the display unit 130 (S1010-S).
1015).

The user inputs a settlement means selection screen (FIG. 11).
Upon receiving input of a number “1” for selecting credit card payment from the payment method number input field 11a above and selection of a payment method by operating the determination button 11b, the CPU 110 displays the display screen of the display unit 130. Figure 12
The screen is shifted to a screen after selecting the settlement means as shown in FIG. 13, and then a charge amount input screen as shown in FIG. 13 is displayed.
The user is instructed to input the amount of electronic money to be charged (S1020-S1025).

Since the charge amount input screen (FIG. 13) is provided with a charge amount input column 13a, the user inputs the amount of electronic money to be charged from here, and operates the decision button 13b. Thus, the user inputs the amount of electronic money to be charged to the user terminal 100. In this example, since the user has selected a credit card as the settlement means, if the credit card issuing company accepts the credit, the user wants to charge the electronic money regardless of the balance of the user's bank account. You can specify and enter the amount of money. When receiving the input of the amount of the electronic money to be charged from the user, the CPU 110
It instructs the IC card 300 to read the credit card number and the like (S1030-S1035).

CPU 110 communicates with IC via communication unit 150
When receiving a credit card number or the like from card 300, CPU 110 changes the display screen of display unit 130 to FIG.
Is displayed, and the user is instructed to input the personal identification number (personal identification ID) of the credit card (S1040-S1045).

Since the personal identification number input screen (FIG. 14) is provided with a personal identification number input field 14a, the user inputs a personal identification number registered in advance with the credit card issuing company when issuing a credit card. Next, the enter button 14b is operated to confirm the input of the personal identification number to the user terminal 100. When receiving the input of the personal identification number from the user, CPU 110 transmits the personal identification number to IC card 300 via communication unit 150 (S1).
050-S1055).

The IC card 300 authenticates the user based on the password transmitted from the CPU 110 and
0 sends a notification of the end of personal authentication to the CPU 1
Upon receiving the personal authentication end notification via the communication unit 150, the communication unit 150 stores in the IC card 300 the amount of electronic money to be charged input in S1030, the transaction date on the day of the electronic money charge processing, and the like. 1
50, and instructs the IC card 300 to generate IC card information (card authentication ID) (S
1060-S1065).

Based on the instruction to generate the information in the IC card, the information in the IC card, the electronic money information, the verification result of the personal authentication, and the like are transmitted from the IC card 300. Upon acquiring these pieces of information via the communication unit 150, the CPU 110 changes the display screen of the display unit 130 to a confirmation screen as shown in FIG. 15, and instructs the user to confirm the transaction details.

On the confirmation screen (FIG. 15), the settlement means selected by the user on the settlement means selection screen (FIG. 11) and the amount of electronic money to be charged inputted on the charge amount input screen (FIG. 13) are displayed. Since it is displayed, if the displayed content is correct,
By operating the OK button 15a, the user terminal 1
00, input that the transaction contents have been confirmed (S10
70-S1075).

When a confirmation of the transaction content is received from the user,
The CPU 110 sends the amount of the electronic money to be charged and the transaction date to the IC card 30 via the communication unit 150.
The information from the IC card 0, the electronic money information, the credit information, and the result of the personal authentication verification received are added, and these are encrypted using an encryption key, and transmission data to be transmitted to the electronic money server 600 is generated. Then, the generated transmission data is transmitted to electronic money server 600.
While transmitting the transmission data to the electronic money server 600, the CPU 110 displays the display screen of the display unit 130 as shown in FIG.
Is displayed, and the user terminal 100 notifies the user that it is in a state of inquiring the financial institution as to whether or not the electronic money can be charged (S1080-S1082).

The CPU 110 includes the host computer 7
00 performs card authentication based on credit information or the like included in the transmission data, and then a response message is transmitted from the electronic money server 600 based on the result of the determined credit determination. If the response message received by the CPU 110 via the communication unit 150 is electronic money, the CPU 110
Is transmitted to the IC card 300 via the communication unit 150.
The electronic money received from the electronic money server 600 is transmitted, and charging of the transmitted electronic money is instructed. on the other hand,
If the response message received by the CPU 110 is error information, a transaction failure screen as shown in FIG. 18 is displayed on the display screen of the display unit 130, and the user cannot charge electronic money. (S10)
90-S1097).

The CPU 110 is connected to the IC via the communication unit 150
When the electronic money information is transmitted to the card 300, a result notification indicating whether or not the electronic money has been charged is transmitted from the IC card 300.

If the result notification received by CPU 110 via communication unit 150 is a transaction completion notification,
110 displays a transaction success screen as shown in FIG. 17 on the display screen of the display unit 130, and notifies the user that the electronic money has been correctly charged. On the other hand, the communication unit 1
If the result notification received by the CPU 110 via the server 50 is an error notification, the CPU 110 displays a transaction failure screen as shown in FIG.
The user is notified that the electronic money could not be charged (S1100-S1102).

After the electronic money charge, the user
When checking the balance of the electronic money in the C card 300, the user selects the “electronic money balance check” which is an option for checking the balance of the electronic money from the process selection screen (FIG. 8). By inputting “2” and operating the enter button 8b, a balance inquiry request can be issued to the user terminal 100. CPU110
Receives the balance inquiry request from the user in this way, displays a balance confirmation screen as shown in FIG. 19 on the display screen of the display unit 130, and notifies the user of the balance of the electronic money.

Next, referring to FIG.
Will be described. IC card 3 by user
When 00 is inserted into the reader / writer device 200, which is the reader / writer unit 160, the CPU 310 activates the credit application program and the electronic money application program, and performs the following processing. First,
The user terminal 10 via the input / output interface unit 320
When an instruction to read the credit card number or the like is received from 0, the credit card number or the like stored in the credit information storage unit 360 is read, and the input / output interface unit 32
Then, a credit card number or the like is transmitted to the user terminal 100 via the “0” (S2000-S2015).

When receiving a personal identification number (personal identification ID) from user terminal 100 via input / output interface unit 320, CPU 310 determines whether or not the received personal identification number matches the personal identification number stored in credit information storage unit 360. Is performed, and the operator of the user terminal 100
Authentication is performed to determine whether or not the owner is the owner. CPU
Regardless of the result of the personal authentication, 310 transmits a personal authentication end notification to the user terminal 100 via the input / output interface unit 320, and notifies that the personal authentication work has been completed (S2020-S2022).

Next, the CPU 310 receives, from the user terminal 100 via the input / output interface unit 320, a request to generate IC card information (card authentication ID) together with the amount and transaction date of electronic money to be charged.
First, the CPU 310 encodes the result of the personal authentication performed in S2021 as, for example, “000000000000000”, and generates a personal authentication collation result. Then, the personal identification and collation result is added with the amount of electronic money to be charged, the transaction date, and the like, and encrypted to generate information in the IC card. The information in the IC card, the electronic money information stored in the electronic money information storage unit 350, the credit information stored in the credit information storage unit 360, and the result of the personal authentication verification are transmitted to the user via the input / output interface unit 320. Transmit to terminal 100. (S2
030-S2032).

CPU 310 receives electronic money and a charge instruction for electronic money from user terminal 100 via input / output interface section 320, and stores the received amount of electronic money in electronic money information storage section 350 in IC card 300. The electronic money is charged by adding it to the stored electronic money balance and writing the total result in the electronic money information storage unit 350. When the charging of the electronic money is successful, the CPU 310 transmits a transaction completion notification to the user terminal 100 via the input / output interface unit 320.

On the other hand, if charging is not successful, C
The PU 310 transmits an error notification to the user terminal 100 via the input / output interface unit 320 (S2040)
-S2047).

Next, the operations of the electronic money server and the host computer will be described with reference to FIG. When receiving the transmission data from the user terminal 100, the electronic money server 600 decodes the transmission data and extracts the electronic money information used by itself. Then, the remaining transmission data from which the electronic money information has been extracted is transmitted to the host computer 700 (S3000-S300).
2).

When host computer 700 receives the remaining transmission data (credit information, IC card information, etc.) from electronic money server 600, host computer 700 determines whether or not IC card 300 is true by performing the following procedure. to decide.

The host computer 700 encrypts the data to be encrypted when the information in the IC card 300 is generated in the IC card 300, for example, the result of personal authentication verification, the amount of electronic money to be charged, the transaction date, and the like. . Then, the generated encrypted data and the IC card 300
The IC card 300 is matched with the information generated in the IC card, and if the two match, the IC card 300 is determined to be true.

When the IC card 300 is determined to be true, the host computer 700 refers to the member information 710 to perform credit recognition, and creates a response indicating the result.
If it is determined that the credit is accepted, a credit approval response is created. On the other hand, if it is determined that the credit is not accepted, a credit rejection response is created. Then, regardless of the result of the response, the response is transmitted to the electronic money server 600 (S3020-S3028).

When the content of the response received from the host computer 700 is a credit approval response, the electronic money server 600 subtracts the electronic money in the electronic money server 600 by the electronic money amount specified by the user. 100 to the user terminal 100,
IC card 30 that the user has with the transmitted electronic money
Instruct to charge to zero. On the other hand, if the response is a credit rejection response, the electronic money server 600 does not transmit the electronic money to the user terminal 100 but transmits only the error information (S3030-S3037).

As described above, in the present embodiment,
When the personal identification is performed by the IC card 300 and the identification is performed, the card authentication ID for performing the card authentication by the host computer 700 in the IC card 300.
Create Therefore, on the communication network, IC
Since the ID for authentication of the card holder does not flow, the security of the IC card related information is ensured. The card authentication ID created in the IC card 300 is encrypted on the IC card 300 side, and is transmitted to the user terminal 10 before being transmitted via the network 800.
Since the data is further encrypted at 0, its security is further enhanced.

In the above-described embodiment, an example in which electronic money is charged using a communication network such as the Internet has been described. IC card 3 of the present embodiment
Since 00 has two functions of a credit card and an electronic money card, the IC card 300 of the present embodiment can be used as a credit card or an electronic money card for each purpose as in the related art.

IC card 300 as a credit card
Is used, the IC card 300 is inserted into a dedicated terminal (not shown) for a credit card. The dedicated terminal and the host computer 700 are connected by a dedicated telephone line, and the credit information storage unit 3 in the IC card 300 is operated by a remote instruction from the host computer.
The necessary information is read from the CPU 60 via the CPU 110. The necessary information is read out by the dedicated terminal and the host computer 7.
There is also a case where data is read out from only the dedicated terminal while 00 is off-line. The host computer 700 performs personal authentication and card authentication based on the read information. At this time, the same authentication method as in the above-described embodiment can be used for the personal authentication and the card authentication. The authentication result of the host computer 700 is displayed on the dedicated terminal.
To determine if payment is possible.

Next, a case where the IC card 300 is used as an electronic money card will be described. Usually, an electronic money server similar to the electronic money server 600 is installed in a store of a product seller. The IC card 300 is inserted into a card reader / writer connected to the electronic money server, and the electronic money information in the electronic money information storage unit 350 in the IC card 300 is transmitted to the CPU 11 by an instruction from the electronic money server.
Read and write by 0. The electronic money server reads money information indicating the balance from the IC card 300 to check the balance of the IC card. The electronic money information storage unit 350 of the IC card 300 is used for payment.
Is updated via the CPU 110.

Next, another embodiment will be described. 1) In the above-described embodiment, a case where a bank or the like that issues electronic money has the electronic money server 600 and a credit card issuing company has the host computer 700 has been described as an example. However, in another embodiment, both the electronic money server 600 and the host computer 700 may be owned by the same financial institution, for example, a credit card company or a bank. The user terminal 100 may be installed not only by the IC card 300 holder itself but also in a convenience store or other places.

2) In the above embodiment, the IC
The case where the electronic money is purchased and the electronic money is charged to the IC card 300 by using the credit function of the card 300 as a settlement means has been described as an example. However, the present invention is not limited to this case. To use only the credit function of the IC card 300,
It is conceivable to use only the electronic money provided in the IC card 300 or to use it together. In addition, the payment of the credit card usage charge requested by the credit card company may be performed using the electronic money provided in the IC card 300.

3) IC card 300, user terminal 10
0, electronic money server 600, host computer 70
The program executed at 0 or the like may be transferred to the device using a portable recording medium or communication. Therefore, the concept of the recording medium of the present invention includes a storage device in the apparatus, for example, an IC memory, a hard disk, and a portable recording medium, for example, a CDROM.

4) In the above embodiment, the IC card 300
Side, the card authentication ID is created, but as another example of creation, the card authentication ID itself is used as the IC card 300.
May be stored in a predetermined storage area. In this case, the security is lower than in the case of creating the card authentication ID by encrypting using the encryption key, but the information processing is simplified, and the memory capacity in the IC card is limited. It is effective in the case.

5) Regarding the encryption method for encrypting with an IC card or a user terminal, due to security considerations,
Although the method actually used by the credit company cannot be disclosed, a known encryption method can be used.

6) As a program for inputting information on the user terminal 100 side, a program installed on the user terminal 100 or a markup language document such as an HTML document or an XML document received from the electronic money server 600 may be used. I just need.

7) In the above-described embodiment, the data to be encrypted when the transmission data is generated in the user terminal 100 is the amount of electronic money, the transaction date, information in the IC card, electronic money information, and credit information. Although the case has been described as an example, the present invention is not limited to this case, and in other embodiments, more information about the type or number of data is transmitted as data to be encrypted. Data may be generated.

8) In the above embodiment, the IC
The case where a rewritable non-volatile memory such as an EEPROM is used as the storage unit 340 of the card 300 has been described as an example. However, the present invention is not limited to this case. It is also conceivable to use a simple memory, for example, a ROM.

9) In the above embodiment, the CP
After U110 receives the information in the IC card, the electronic money information, the verification result of the personal authentication, and the like from the IC card 300 via the communication unit 150, the display screen of the display unit 130 is changed to a confirmation screen (FIG. 15). The case where the user is instructed to confirm the transaction details has been described as an example, but the present invention is not limited to this case. In another embodiment, the confirmation screen (FIG. 15) is first displayed on the display unit 130, and after the user confirms the contents of the transaction, the IC
From the card 300 to information in the IC card, electronic money information,
It is also conceivable to receive a verification result of personal authentication and the like.

10) In the above embodiment, I
The data to be encrypted at the time of generating the information in the IC card in the C card 300 is encrypted in the host computer 700, and the generated encrypted data and the IC card 30
0 in the host computer 700 by matching the information in the IC card generated in the IC card 3
Although the case where the true / false judgment of 00 is performed has been described as an example, the present invention is not limited to this case. In another embodiment, the IC card information generated in the IC card 300 is compounded in the host computer 700, and the authenticity of the card is determined by confirming whether compounding is possible. It is also possible.

As described above, according to the present embodiment, the IC card having the electronic money also has the credit card function, so that the IC card is not limited to the account balance of the card holder or the cash balance on hand. , The electronic money can be charged to the IC card. It is also possible to purchase products using only the credit card function of the IC card. Further, according to the present embodiment, since the personal identification number of the IC card does not flow on the communication network, electronic money can be safely charged to the IC card.

[0101]

As described above, claims 1 to 4,
According to the inventions of 8 to 10, 12, 16, 20, 22, 24, and 25, it is possible to purchase electronic money information by settlement with a credit card and recharge the IC card.

According to the inventions of claims 5 to 7 and 17 to 19, after the personal identification is performed on the IC card side based on the personal identification ID, the personal identification information is generated on the IC card side based on the authentication result and the like. Since the card authentication is performed using the card authentication ID, the personal authentication ID does not leak to the external environment, and the security is ensured.

According to the present invention, a plurality of data are included in the card authentication ID encrypted on the IC card side and further encrypted on the user terminal side. It becomes difficult to decode the user ID.

According to the fourteenth and fifteenth aspects of the present invention, the handling explanation of the IC card and the information input guidance can be performed using the Internet or an intranet.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an example of a system configuration of an electronic money charge system.

FIG. 2 is a diagram illustrating an example of a configuration of a user terminal.

FIG. 3 is a diagram illustrating an example of a configuration of an IC card.

FIG. 4 is a diagram showing an example of information flow in the electronic money charge system.

FIG. 5 is a flowchart illustrating an example of an operation of the user terminal.

FIG. 6 is a flowchart illustrating an example of an operation of the IC card.

FIG. 7 is a flowchart illustrating an example of an operation of the electronic money server and the host computer.

FIG. 8 is a diagram illustrating an example of a process selection screen.

FIG. 9 is a diagram showing an example of an electronic money charge processing main screen.

FIG. 10 is a diagram showing an example of a card insertion screen.

FIG. 11 is a diagram showing an example of a settlement means selection screen.

FIG. 12 is a diagram showing an example of a screen after selecting a settlement unit.

FIG. 13 is a diagram showing an example of a charge amount input screen.

FIG. 14 is a diagram showing an example of a password input screen.

FIG. 15 is a diagram illustrating an example of a confirmation screen.

FIG. 16 is a diagram showing an example of a transaction screen.

FIG. 17 is a diagram showing an example of a successful transaction screen.

FIG. 18 is a diagram illustrating an example of a transaction failure screen.

FIG. 19 is a diagram showing an example of a balance confirmation screen.

[Explanation of symbols]

 Reference Signs List 100 user terminal 110 main control unit (CPU) 120 input unit 130 display unit 140 storage unit 150 communication unit 160 reader / writer unit 170 bus 200 reader / writer device 300 IC card 310 main control unit (CPU) 320 input / output interface unit 330 Bus 340 storage unit 350 electronic money information storage unit 360 credit information storage unit 370 personal identification number storage unit 380 personal identification verification result storage unit 500 financial institution side system 600 electronic money server 610 electronic money information 700 host computer 710 membership information 800 network

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/07 G06K 19/00 N 19/00 U G07F 7/08 G07F 7/08 L

Claims (25)

[Claims] A first storage unit for storing electronic money information including electronic money; a second storage unit for storing credit information; a third storage unit for storing a personal identification ID in advance; A matching unit that matches the identity authentication ID with the identity authentication ID stored in the third storage unit in response to the input of the identity authentication ID from the terminal, and generates a matching result; A first reading unit that reads electronic money information stored in the storage unit; and a second reading unit that reads credit information stored in the second storage unit in response to a credit information reading command signal from the user terminal. Reading means; card authentication ID created in response to receipt of the transaction information from the user terminal; electronic money information stored in the first storage means; and stored in the second storage means. Card authentication ID creating means for outputting the card authentication ID to the user terminal together with the obtained credit information and the collation result; and the first money in response to an electronic money charge command signal from the user terminal. An IC card comprising: charging means for charging electronic money to electronic money information stored in a storage means. 2. A first storage means for storing electronic money information including electronic money; a second storage means for storing credit information; and an electronic money stored in the first storage means when using electronic money. First reading means for reading information; second reading means for reading credit information stored in the second storage means in response to a credit information reading command signal from a user terminal; and electronic reading from the user terminal. A charge unit for charging electronic money to electronic money information stored in the first storage unit in response to a money charge command signal. 3. The IC card has a credit card function, and a credit information read command signal from the user terminal is transmitted to settle electronic money to be charged to the IC card by the credit card. The IC card according to claim 1 or 2, wherein: 4. The electronic money charged to the electronic money information stored in the second storage means by the charging means is electronic money purchased by settlement with the credit card. Item 4. The IC card according to any one of Items 1 to 3. 5. The transaction information includes a plurality of pieces of information, and the card authentication ID creating means creates the card authentication ID by performing encryption using a specific encryption key. The IC card according to claim 1 or 2, wherein 6. The IC card according to claim 1, wherein the transaction information includes an electronic money amount charged to the IC card received from the user terminal and a transaction date. 7. The IC card according to claim 1, wherein the transaction information includes the comparison result. 8. The IC according to claim 1,
A first input unit for inputting an amount of electronic money to be charged to the card; a second input unit for inputting an identification ID; a credit information read command signal and / or charging of electronic money to the IC card A signal transmitting unit for transmitting a command signal; a first terminal side input / output unit for communicating information with the IC card; and a computer system having electronic money information and credit card member information. A user terminal comprising: a second terminal-side input / output unit for performing communication. 9. The electronic money information inputted from the first input means, the electronic money information read by the first reading means of the IC card, and the IC money.
The credit information read by the second reading means of the card, the card authentication ID generated by the card authentication ID creating means of the IC card, the verification result generated by the IC card verification means, and the IC card The user terminal according to claim 8, wherein the user terminal includes at least one of electronic money charged to the user terminal. 10. The electronic money amount input from the first input unit is an electronic money amount settled and purchased by a credit card function of the IC card. User terminal. 11. A data including at least one of the card authentication ID, the credit information, the electronic money information, and the verification result received from the IC card is further encrypted to generate transmission data. The user terminal according to claim 8, further comprising an encryption unit that performs encryption. 12. A computer system comprising: a first server that holds electronic money information and issues electronic money; and a second server that holds member information and performs credit determination based on the member information. The first server, a first communication unit for communicating information with the user terminal and the second server according to any one of claims 8 to 11, and a notification of a credit determination result from the second server. In response to
The I according to any one of claims 1 to 7, wherein the I
An instruction signal transmitting unit that instructs the C card to transmit an electronic money charge instruction signal; the second server determines whether the IC card is authentic based on the information; Means for making a credit determination to the IC card owner in response to the determination that the IC card is true, and a second communication means for notifying the first server of the credit determination result. Characterized computer system. 13. The computer system according to claim 12, wherein the first server includes a decryption unit that decrypts the transmission data generated by the encryption unit of the user terminal. 14. The first server comprises guide information storage means for storing guide information to be displayed for a user to input information at the user terminal, wherein the user terminal reads and displays the guide information. The computer system according to claim 12, wherein: 15. The computer system according to claim 14, wherein the guidance information is in the form of a markup language document. 16. I according to any one of claims 1 to 7,
Reading the credit information stored in the second storage means of the IC card in response to a credit information read command signal from the user terminal; and responding to an input of a personal identification ID from the user terminal. Comparing the identity authentication ID with the identity authentication ID stored in the third storage means of the IC card; and reading the electronic money information stored in the first storage means. Creating an ID for card authentication in response to receiving the transaction information from the user terminal, electronic money information stored in the first storage means, credit information stored in the second storage means, Outputting the card authentication ID to the user terminal together with the verification result; and responding to an electronic money charge command signal from the user terminal. And the program, characterized in that to achieve a step of charging the electronic money to the electronic money information stored in the first storage means. 17. The transaction information includes a plurality of pieces of information,
17. The program according to claim 16, wherein the step of creating the card authentication ID creates the card authentication ID by performing encryption using a specific encryption key. 18. The program according to claim 16, wherein the transaction information includes an electronic money amount charged to the IC card received from the user terminal and a transaction date. 19. The program according to claim 16, wherein the transaction information includes the matching result. 20. The user terminal according to claim 8, wherein the signal transmitting means transmits a credit information read command signal and / or an electronic money charge command signal to the IC card. Controlling the first terminal-side input / output means to communicate information with the IC card; and controlling the second terminal-side input / output means to communicate with the computer system. And a step of executing the program. 21. The information including at least one of the card authentication ID, the credit information, the electronic money information, and the comparison result received from the IC card, and further encrypts the transmission data. The program according to claim 20, further comprising a generating step. 22. The computer system according to claim 12, wherein the first server controls the first communication unit to communicate with the user terminal, the second server, and the electronic money. Exchanging information including at least one of the amount of money, the card authentication ID, the electronic money information, the collation result, and the credit information. In the second server, Performing the authenticity determination of the IC card based on the information received from the user terminal; and, in the second server, determining that the IC card is true and performing a credit determination to the IC card owner. Notifying the first server of the result of the credit determination; and responding to the notification of the result of the credit determination in the first server. Wherein the user terminal, program characterized by realizing a step of transmitting an instruction signal instructing the outgoing charge command signal of the electronic money for the IC card. 23. The card authentication ID further encrypted by the encryption means of the user terminal in the first server.
22. The program according to claim 21, further comprising the step of decoding 24. A recording medium storing the program according to claim 16. Description: 25. An electronic money charging system comprising the user terminal according to any one of claims 8 to 11 and the computer system according to any one of claims 12 to 15. IC described in
A method for charging electronic money to a card, comprising: at the user terminal, inputting the amount of electronic money to be charged to the IC card; at the user terminal, inputting an identification ID; A credit card read out by the IC card in response to a credit information read command signal from the user terminal; and a card created in the IC card in response to receipt of transaction information from the user terminal. The authentication ID, the electronic money information stored in the first storage means of the IC card, and the ID for authentication and the ID of the IC card in response to the input of the ID for authentication from the user terminal. The collation result obtained by collating the stored personal identification ID with the IC card is compared with the IC card. Receiving, at the user terminal, further encrypting information including at least one of the card authentication ID, the electronic money information, the credit information, and the comparison result received from the IC card, Generating transmission data; transmitting the transmission data to the computer system at the user terminal; determining whether the IC card is authentic based on the information in the computer system; When it is determined that the card is true, a credit decision is made to the owner of the IC card, and in response to the result of the credit decision, electronic money to be charged to the user terminal for the IC card; A switch that transmits an instruction signal for instructing the transmission of an electronic money charge instruction signal to the IC card The user terminal transmits an electronic money charge command signal to the IC card in response to the electronic money charge instruction signal for the IC card from the computer system, and receives the electronic money charge command signal from the computer system. Transmitting electronic money.