JP2002199458A - Mobile phone and method for preventing unauthorized use - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mobile phone that can prevent unauthorized use of cards, and to provide a method for preventing the unauthorized use. SOLUTION: When using a credit card or an electronic money card at a POS(pint of sales) terminal installed in sales shops, the mobile phone is provided with a permission request transmission means that transmits a permission request for use of the credit card or the like to a credit company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable telephone and a method for preventing unauthorized use of a credit card or an electronic money card.

[0002]

2. Description of the Related Art When using a credit card,
If the card itself is lost or the card number is illegally read, the credit card can be easily misused. In addition, the electronic money card does not require personal authentication, and thus can be more easily illegally used.

[0003] A conventional portable telephone is intended for conversation and transmission / reception of e-mail, and does not have a function for preventing unauthorized use of a credit card or an electronic money card.

[0004]

Since the conventional portable telephone is constructed as described above, it can exchange conversations and send and receive e-mails. However, it is possible to prevent unauthorized use of credit cards and electronic money cards. There was a task that could not be done.

[0005] The present invention has been made to solve the above-described problems, and has as its object to provide a portable telephone and a method for preventing unauthorized use that can prevent unauthorized use of a card.

[0006]

A portable telephone according to the present invention is provided with permission request transmitting means for transmitting a credit card use permission request to a credit company when using a credit card.

[0007] The mobile phone according to the present invention is provided with permission request transmitting means for transmitting a request for permission to use the electronic money card to the electronic money card company when using the electronic money card.

[0008] The mobile phone according to the present invention is arranged such that, when transmitting a use permission request, a reservation for a card usable time is accepted and the reservation information is transmitted.

In the mobile phone according to the present invention, when transmitting a use permission request, the reservation of the number of usable times of the card is accepted and the reservation information is transmitted.

[0010] The mobile phone according to the present invention, when transmitting a use permission request, receives designation of a usable amount of a card and transmits the designation information.

In the mobile phone according to the present invention, when a use permission request is transmitted, designation of a card usable transaction is accepted and the designation information is transmitted.

[0012] In the mobile phone according to the present invention, when a use permission request is transmitted, designation of a business partner who can use the card is accepted, and the designation information is transmitted.

In the method for preventing unauthorized use according to the present invention, when a credit card is used, a request for permission to use the credit card is transmitted to a credit company using a mobile phone.

In the method for preventing unauthorized use according to the present invention, when using an electronic money card, a request for permission to use the electronic money card is transmitted to an electronic money card company using a mobile phone.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below. Embodiment 1 FIG. FIG. 1 is a configuration diagram showing an unauthorized use prevention system using a mobile phone according to Embodiment 1 of the present invention. In the figure, reference numeral 1 denotes a user's credit card;
Is a user's mobile phone; 3 is a permission request transmitting means for transmitting a use permission request of the credit card 1 to the management device 6 of the credit company when the user uses the credit card 1; 4 is a credit card after using the credit card 1 A non-permission request transmitting means for transmitting a use non-permission request to the management device 6 of the credit company, a POS terminal 5 installed in a store or the like, and a management device 6 of the credit company. FIG. 2 is a flowchart showing an unauthorized use prevention method according to Embodiment 1 of the present invention.

Next, the operation will be described. When a user purchases a product using the credit card 1, a clerk of a store usually inserts the credit card 1 handed by the user into a card reader of the POS terminal 5 installed in the store. Thereby, the POS terminal 5 reads the user information recorded on the credit card 1, and
The user information and the purchase amount information are transmitted to the management device 6 of the credit company.

Upon receiving the user information and the purchase price information from the POS terminal 5, the management device 6 of the credit company confirms the usage status of the user for the current month using the user information as a key. Then, when the settlement is executed according to the purchase amount information, it is determined whether or not the user has used the card by determining whether or not the usage amount of the user in the current month exceeds the usage limit amount, and the determination result is transmitted to the POS terminal 5. Return to.

When the result of the determination by the management device 6 indicates that the card can be used, the POS terminal 5 transmits a settlement request to the management device 6 and completes the purchase and sale of the product. On the other hand, if the result of the determination by the management device 6 indicates that the card cannot be used, the clerk notifies the user to that effect, and makes the sale of the product unsuccessful.

When the credit card 1 is used as described above, it is possible to purchase goods without cash. However, if the credit card 1 is lost or the card number is illegally read, the credit card 1 is used. If the card 1 is used improperly, a user or a credit company may be seriously damaged.

Therefore, according to the first embodiment, in order to prevent unauthorized use of the credit card 1, in a situation where there is no plan to purchase a product or the like using the credit card 1, the user will Using the function of the request transmission means 4, a request to disallow use of the credit card 1 is transmitted to the management device 6 of the credit company. However, at the default time when the credit card 1 has not been used yet, the use of the credit card 1 is set to non-permission, so that it is not necessary to send a request to disallow use of the credit card 1 to the management device 6 of the credit company (step ST1) ). When the management device 6 of the credit company receives the use rejection request from the rejection request transmission means 4 of the mobile phone 2, even if the finder of the credit card 1 tries to use the card, the POS determines the determination result indicating that the card cannot be used. Transmit to terminal 5. Thereby, unauthorized use of the credit card 1 by a third party can be prevented.

On the other hand, when the user purchases a product or the like using the credit card 1 (step ST2), the user uses the function of the permission request transmitting means 3 of the mobile phone 2 to use the credit card 1. A permission request is transmitted to the management device 6 of the credit company (step ST3). When the management device 6 of the credit company receives the use permission request from the permission request transmitting means 3 of the mobile phone 2, the judgment result indicating that the card is usable is satisfied as long as conditions such as not exceeding the card usage limit are satisfied. Send it to the POS terminal 5.

As a result, it becomes possible to purchase goods using the credit card 1 (step ST4). However, after the credit card 1 is used, it is necessary to carry out the portable device again to prevent unauthorized use by a third party. Using the function of the non-permission request transmission means 4 of the telephone 2, a request to disallow use of the credit card 1 is transmitted to the management device 6 of the credit company (step ST5).

As is apparent from the above, the first embodiment
According to this, when the credit card 1 is used, a request for permission to use the credit card 1 is transmitted to the management device 6 of the credit company.
This has the effect of preventing unauthorized use of the device.

Embodiment 2 FIG. In the above-described first embodiment, a method for preventing unauthorized use of the credit card 1 has been described. However, the same method as in the first embodiment may be used to prevent unauthorized use of the electronic money card 7. (See FIG. 3). However, in the case of credit card 1,
The POS terminal 5 stores the user information and the purchase amount information recorded in the credit card 1 in the management device 6 of the credit company.
Is sent to the electronic money card 7 to request confirmation of the availability of the credit card 1. In the case of the electronic money card 7, the user information and the purchase amount information are not necessarily transmitted to the electronic money card company, and the electronic money card 7 There is no request for confirmation.

Embodiment 3 In the first and second embodiments, after using the credit card 1 or the electronic money card 7, the function of the non-permission request transmitting means 4 of the mobile phone 2 is used again to send the card non-permission request to the management device 6. However, when the permission request transmitting unit 3 transmits the use permission request, the reservation request may be received and the reservation information may be transmitted. As a result, there is an effect that the card can be automatically disabled after a certain time without operating the mobile phone 2 after using the card.

Embodiment 4 In the first and second embodiments, after using the credit card 1 or the electronic money card 7, the function of the non-permission request transmitting means 4 of the mobile phone 2 is used again to send the card non-permission request to the management device 6. However, when the permission request transmitting unit 3 transmits the use permission request, the reservation request may be received and the reservation information may be transmitted. As a result, there is an effect that it is possible to automatically disable the use after the use of the reservation number without operating the mobile phone 2 after using the card.

Embodiment 5 FIG. In the first and second embodiments, after using the credit card 1 or the electronic money card 7, the function of the non-permission request transmitting means 4 of the mobile phone 2 is used again to send the card non-permission request to the management device 6. However, when the permission request transmitting unit 3 transmits the use permission request, the specification of the usable amount of the card may be accepted and the specified information may be transmitted. As a result, when the amount of use of the card exceeds the specified amount, the card can be automatically disabled.

Embodiment 6 FIG. In the first and second embodiments, when the credit card 1 or the electronic money card 7 is used, the permission request transmitting unit 3 of the mobile phone 2 transmits a card use permission request to the management device 6. At this time, the permission request transmitting means 3 may receive the specification of the available transaction and transmit the specification information. As a result, for example, there is an effect that it is possible to use such that the purchase of the electric appliance is permitted but the payment of the food and drink is not permitted.

Embodiment 7 In the first and second embodiments, when the credit card 1 or the electronic money card 7 is used, the permission request transmitting unit 3 of the mobile phone 2 transmits a card use permission request to the management device 6. At this time, the permission request transmitting means 3 may receive the specification of the available business partner and transmit the specified information. As a result, there is an effect that it is possible to use, for example, a purchase at a department store is permitted, but a purchase at a discount shop is not permitted.

[0030]

As described above, according to the present invention, when a credit card is used, permission request transmitting means for transmitting a request for permission to use the credit card to the credit company is provided. This has the effect of preventing unauthorized use of the device.

According to the present invention, when the electronic money card is used, the permission request transmitting means for transmitting the electronic money card use permission request to the electronic money card company is provided. There is an effect that use can be prevented.

According to the present invention, when the use permission request is transmitted, the reservation of the usable time of the card is accepted and the reservation information is transmitted, so that the mobile phone can be operated after the use of the card. There is an effect that it is possible to automatically disable the use after a certain time.

According to the present invention, when the use permission request is transmitted, the reservation of the number of usable times of the card is accepted and the reservation information is transmitted, so that the cellular phone can be operated after the use of the card. Therefore, there is an effect that the use can be automatically disabled after the use of the number of reservations.

According to the present invention, when the use permission request is transmitted, the specification of the usable amount of the card is accepted and the specified information is transmitted, so that when the usage amount of the card exceeds the specified amount. There is an effect that it can be automatically disabled.

According to the present invention, when a use permission request is transmitted, a specification of a card usable transaction is received and the specified information is transmitted. For example, although the purchase of an electric appliance is permitted, There is an effect that usage such as refusal of payment of food and drink is allowed.

According to the present invention, when the use permission request is transmitted, the specification of the business partner that can use the card is accepted and the specification information is transmitted, so that, for example, purchase at a department store is permitted. There is an effect that it is possible to use such as not accepting purchase at a discount shop.

According to the present invention, when a credit card is used, a request for permission to use the credit card is transmitted to the credit company using the portable telephone, so that unauthorized use of the credit card can be prevented. There is an effect that can be done.

According to the present invention, when the electronic money card is used, a request for permission to use the electronic money card is transmitted to the electronic money card company using the portable telephone, so that the electronic money card is illegally used. There is an effect that can be prevented.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing an unauthorized use prevention system using a mobile phone according to Embodiment 1 of the present invention.

FIG. 2 is a flowchart showing a method for preventing unauthorized use according to Embodiment 1 of the present invention;

FIG. 3 is a configuration diagram showing an unauthorized use prevention system using a mobile phone according to a second embodiment of the present invention.

[Explanation of symbols]

1 credit card, 2 mobile phone, 3 permission request transmitting means, 4 non-permission request transmitting means, 5 POS terminal,
6 management device, 7 electronic money card.

────────────────────────────────────────────────── ─── of the front page continued (51) Int.Cl. ⁷ identification mark FI theme Court Bu (reference) H04M 1/00 H04M 11/00 302 11/00 302 H04B 7/26 109H F -term (reference) 3E042 AA05 CC02 CC10 EA01 5B058 CA27 KA02 KA04 KA31 YA20 5K027 AA11 BB09 CC08 FF22 MM17 5K067 AA32 BB04 DD27 EE02 HH23 HH31 5K101 KK02 KK17 LL12 MM07 NN02 NN18

Claims (9)

[Claims] When a credit card is used, permission request transmitting means for transmitting a credit card use permission request to a credit company, and non-permission request transmitting means for transmitting a credit card use permission request to the credit company. And a mobile phone provided with. 2. When an electronic money card is used, a permission request transmitting means for transmitting a request for permission to use the electronic money card to the electronic money card company, and a request to disallow use of the electronic money card to the electronic money card company. A mobile phone provided with a non-permission request transmitting means for transmitting. 3. The permission request transmitting means, when transmitting a use permission request, receives a reservation of a usable time of the card,
3. The mobile phone according to claim 1, wherein the reservation information is transmitted. 4. The permission request transmitting means, when transmitting the use permission request, receives a reservation of the number of usable times of the card,
3. The mobile phone according to claim 1, wherein the reservation information is transmitted. 5. The permission request transmitting means receives a specification of a usable amount of a card when transmitting a use permission request, and
3. The mobile phone according to claim 1, wherein the designated information is transmitted. 6. The permission request transmitting means, when transmitting a use permission request, receives designation of a card usable transaction,
3. The mobile phone according to claim 1, wherein the designated information is transmitted. 7. The system according to claim 1, wherein the permission request transmitting means receives a specification of a business partner who can use the card and transmits the specification information when transmitting the use permission request.
Or the mobile phone according to claim 2. 8. When using a credit card, a request for permission to use the credit card is transmitted to the credit company using a mobile phone, and a request for disabling use of the credit card is transmitted to the credit company using the mobile phone. Outgoing abuse prevention method. 9. When using an electronic money card, a request for permission to use the electronic money card is sent to an electronic money card company using a mobile phone, and use of the electronic money card is prohibited using the mobile phone. An unauthorized use prevention method that sends requests to electronic money card companies.