JP2002203197A - Credit card authentication system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a communication cost further and to report a user of a stolen credit card to the police and the like without an risk to a salesclerk operating an authentication terminal in a credit card authentication system using a radio communication network. SOLUTION: In this credit card authentication system, multiple portable credit card authentication terminals 1 are connected to a central data processing center 4 via a packet communication type public radio communication network so that authentication can be processed online in the portable credit card authentication terminal 1. In the central data processing center 4, a routing information storage part 42f is arranged for carrying out routing. A terminal information storage part 42a is arranged for centralized control of the terminal information. A stolen credit card usage reporting means 45 is arranged for immediately giving a report to the police or a security company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a centralized data processing center to which a number of portable credit card authentication terminals (hereinafter abbreviated as CAT as required) are connected by a public wireless communication network, and a card business integrated network system. The present invention relates to a credit card authentication system that allows a host computer of each credit card company to be accessed via the Internet.

[0002]

2. Description of the Related Art A card business comprehensive network system that connects a credit card merchant to a credit card company and performs credit card authentication and sales processing quickly and inexpensively is provided by CAFIS of NTT Data Communications Corporation. It is typical. One or more CATs are installed at each credit card member store, and each CAT is connected to a card business integrated network system such as CAFIS via a public wired telephone network. In the case of a credit card merchant having a large number of CATs, each CAT is connected to a central data processing center of the credit card merchant via a dedicated communication cable, and this host computer is connected to a card business integrated network system. ing.

The convenience of credit cards is that relatively small payments of less than tens of thousands of yen can be made quickly and easily. Given this convenience, credit cards are the best choice for paying taxi fares. However, most taxis do not have CATs. Nevertheless, several authentication systems that allow credit cards to be used in taxis have been proposed. That is, it has been proposed as a part of a credit card use management system and a method of operating the taxi disclosed in Japanese Patent No. 2739094, and as a part of a taxi fare settlement device disclosed in Japanese Patent Application Laid-Open No. 10-111961. However, there is a problem that online authentication cannot be performed in any case.

Therefore, the applicant of the present invention connects a number of portable credit card authentication terminals to a central data processing center by a public wireless communication network of a packet communication system, and connects the central data processing center to a card business integrated network system. A low-cost and high-security credit card authentication system that enables online authentication processing by the portable credit card authentication terminal by accessing the host computer of each credit card company online via We have developed a portable credit card authentication terminal that can be used for online authentication processing in taxis and delivery vehicles with simple operation using a patent application.
9618).

[0005] In the credit card authentication system according to the patent application, the portable credit card authentication terminal and the central data processing center are connected by a public communication network of a packet communication system. Information amount. However, in the credit card authentication system, the amount of information transmitted is not small.

[0006] A portable credit card authentication terminal mounted on a taxi or a delivery car or carried by a visiting salesperson is more likely to be stolen than a stationary authentication terminal. Portable credit card authentication terminals are
After the authentication procedure is completed, all data such as card information used in the authentication procedure is deleted from the built-in memory. Therefore, in most cases, the card information cannot be read from the portable credit card authentication terminal. However, if the user moves to an area where radio waves cannot reach during the authentication procedure, data during the authentication procedure is held, and this state is maintained until the user returns to an area where radio waves reach. As described above, the card information can be read from the portable credit card authentication terminal in a state where the data being processed is held. Therefore, there is a danger that data will be illegally read from the portable credit card authentication terminal and misused.

[0007] Further, in the case of a criminal act of using a stolen credit card at a credit card authentication terminal, a clerk or the like operating the authentication terminal receiving authentication result information from the card company and operating the authentication terminal receives the information. As you will know, reporting to security companies and the police is dangerous, so it is necessary to overlook criminals.

[0008]

The first problem to be solved
An object of the present invention is to further reduce communication costs in a credit card authentication system using a wireless communication network. A second problem to be solved is to make a portable credit card authentication terminal unusable in a credit card authentication system using a wireless communication network when the portable credit card authentication terminal is stolen.

A third problem to be solved is that in a credit card authentication system using a wireless communication network, a user of a stolen credit card is policed so as to prevent danger to a clerk or the like operating an authentication terminal. And security companies.

[0010]

In order to solve the first problem, a large number of portable credit card authentication terminals are connected to a central data processing center by a packet communication type public wireless communication network, and the central data processing center is connected to the central data processing center. In the credit card authentication system, the processing center can be accessed online by a credit card company's host computer via a card business integrated network system so that the portable credit card authentication terminal can perform online authentication processing. A routing information storage means is provided in the central data processing center so that routing processing is performed.

In order to solve the first problem, in a credit card authentication system in which online authentication processing can be performed by the portable credit card authentication terminal, terminal information storage means is provided in the central data processing center. , Centralized management of terminal information. In order to solve the second problem, in a credit card authentication system in which the above-mentioned portable credit card authentication terminal can perform online authentication processing, the central data processing center stores information on the theft of the portable credit card authentication terminal. And means for determining whether or not the portable credit card authentication terminal that has requested the start of the authentication procedure has been stolen, and generating a memory erasure signal when it is determined that the terminal has been stolen. The portable credit card authentication terminal is provided with means for receiving the memory erasure signal and disabling the built-in memory.

[0012] In order to solve the third problem, in a credit card authentication system in which the above-mentioned portable credit card authentication terminal can perform online authentication processing, a stolen credit card use notification means is sent to the central data processing center. And made it possible to notify police and security companies immediately.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a credit card authentication system using a wireless communication network according to the present invention is, as shown in FIG. 1, a portable credit card authentication terminal 1 mounted on a taxi, a wireless relay station 2, and the like. , A packet switching office 3, a central data processing center 4, a card business integrated network system 5 such as CAFIS, and a credit card company 6.

The credit card authentication terminal 1 is provided with packet communication transmitting / receiving means, and is connected to the wireless relay station 2 by a wireless transmission path 8. Wires are connected between the wireless relay station 2 and the packet switching station 3 and between the packet switching station 3 and the central data processing center 4, respectively. The wireless relay station 2 and the packet switching station 3 constitute a part of a public wireless communication network of a packet communication system. Many portable credit card authentication terminals 1 are connected to the central data processing center 4 by the public wireless communication network of the packet communication system.

The central data processing center 4 is connected to the card business integrated network system 5 so that the host computer of each credit card company 6 can be accessed online via the card business integrated network system 5. Central Data Processing Center 4
Has a main control unit (CPU) 41 having a processing capacity corresponding to the number and the data amount of the credit card authentication terminals 1 and a memory 42 such as a hard disk. It functions as. And in the memory 42,
Terminal information storage unit 42a, member store information storage unit 42b, card company information storage unit 42c, transaction information storage unit 42d, payment condition information storage unit 42e, routing information storage unit 42f
Is provided.

As shown in FIG. 2, for example, a portable credit card authentication terminal 1 according to the present invention includes a microprocessor 11 for processing data, a memory 12 for storing programs and data, and a card for reading card information of a credit card requiring authentication. A card reader 13 as information reading means, a keyboard 14 for inputting information such as a taxi fare and a payment method, a packet communication transmitting / receiving unit 17 for connecting to a public wireless communication network of a packet communication system, display of authentication results and the like It comprises a display unit 15 as a means, a printer 16 for printing a receipt and the like, and a battery and a power supply circuit 18 for supplying power to these components. The memory 12 includes a card information storage unit 12a and an authentication result information storage unit 12b.
And a setting information storage unit 12c.

In the conventional credit card authentication system, a stationary credit card authentication terminal 7 installed in a credit card member store or the like includes a microprocessor 71 for processing data, a memory 72 for storing programs and data, A card reader 73 as card information reading means for reading card information of the authentication credit card; a keyboard 74 for inputting information such as usage fee and payment method; a display 75 as display means for displaying authentication results; It comprises a printer 76 for performing printing, an interface 77 including a transmission / reception unit with the card business integrated network system 5, and a power supply circuit for supplying power to these components. The memory 72 includes a card information storage unit 72a, an authentication result information storage unit 72b,
Various setting information storage unit 72c, terminal information storage unit 72d, member store information storage unit 72e, card company information storage unit 72f,
At least a transaction information storage unit 72g, a payment condition information storage unit 72h, and a routing information storage unit 72i are included.

As is apparent from comparison with the conventional credit card authentication system shown in FIG. 3, the credit card authentication system according to the present invention has the terminal information, member store information, The card company information, the transaction information, the payment condition information and the routing information are stored in the central data processing center 4, and the card identification information and the authentication result information are stored in the portable credit card authentication terminal 1. Features. The operation and effect of the present invention having such a configuration are as described below.

First, the routing process will be described.
The routing process is a process of including routing information that defines a route of information transmission to the card company, that is, a route, in data transmitted from the credit card authentication terminal to the card business integrated network system 5.
Recently, single cards that can receive only one company's service are rarely seen in credit cards,
Double or triple cards are the mainstream. A double card can receive services from two companies, and a triple card can receive services from three companies. When such a double card or triple card is used, information on authentication and transaction is input to all of the two or three companies whose credit cards are marked. The route of this information transmission is these two
It is determined by the alliance of three companies. Conventionally, the routing decision is made by the stationary credit card authentication terminal, so if the routing information changes due to the release of a member store, it is necessary to download the routing information from the card company to each authentication terminal. On the other hand, in the present invention, since the routing information is stored in the memory of the central data processing center 4 and is not downloaded to each authentication terminal, the routing information is transmitted from the central data processing center 4 via the packet communication type public wireless communication network. The amount of information transmitted to the portable credit card authentication terminal 1 has been reduced accordingly.

Next, information transmitted to the card business integrated network system will be described. An example of a frame of transmission data transmitted from the authentication terminal to the card company via the card business integrated network system is as follows:
As shown in FIG. 4, the information includes card information, transaction information, terminal information, and routing information. In the conventional credit card authentication system shown in FIG. 3, the stationary authentication terminal 7 generates the data having the frame configuration shown in FIG. That is, the microprocessor 71 of the stationary authentication terminal 7 performs the process of generating the data of FIG. 4 according to the program. On the other hand, in the credit card authentication system using the packet communication public wireless communication network of the present invention, the data of FIG. 4 is generated by the central data processing center 4 instead of the portable credit card authentication terminal 1. is there. The portable credit card authentication terminal 1 generates compact data composed of card information and transaction information as shown in FIG. 5, and transmits the compact data to the central data processing center 4. Then, in the central data processing center 4, the main control unit 41 generates the terminal information and the routing information in the data of FIG. 5 and the transmission data of the frame configuration of FIG. 4 according to the program. Since such a transmission data generation method is employed, the amount of information transmitted from the portable credit card authentication terminal 1 to the central data processing center 4 via the packet communication type public wireless communication network is reduced.

Next, how to notify a police or a security company when a stolen credit card is used at an authentication terminal will be described. In the credit card authentication system according to the present invention, a central data processing center 4 is interposed between the portable credit card authentication terminal 1 and the card company 6. When the authentication procedure is performed, the authentication result information from the card company 6 is always sent to the portable credit card authentication terminal 1 via the central data processing center 4. Therefore, the central data processing center 4 checks the authentication result information according to the flow shown in FIG. That is, the central data processing center 4 receives the authentication result information from the card company 6 (S1).
1) The main control unit 41 determines whether or not the authentication result information includes information indicating that the card is a stolen card according to a program (S12). If the card is not a stolen card, the main controller 41 authenticates the portable credit card authentication terminal 1. The result information is transmitted (S13). If the authentication result information includes information indicating that the card is a stolen card, this is displayed or immediately reported to the police or a security company using a telephone (S1).
4). The notification may be made by a supervisor of the central data processing center 4 or automatically by connecting the central data processing center 4 directly to a computer such as a police or security company. Since the stolen card use reporting means 45 for performing such processing is provided in the central data processing center 4,
The credit card authentication system according to the present invention has increased transaction security.

Next, the portable credit card authentication terminal 1
Explain that if it is stolen, it will not be used illegally. As described above, the terminal information storage unit 42a is provided in the memory 42, and the central data processing center 4 is configured to centrally manage the terminal information. The information that the portable credit card authentication terminal 1 has been stolen is sent from the central data processing center 4 directly from a legitimate user or a company that is the user or via police or the like.
And the information is stored in the terminal information storage unit 42a. When there is a request for an authentication procedure from the portable credit card authentication terminal 1, according to the flow shown in FIG.
Check whether the terminal is a stolen authentication terminal. That is, the central data processing center 4 receives a request for an authentication procedure from the portable credit card authentication terminal 1 (S21), and its main control unit 41
Specifies the authentication terminal number included in the received data according to the program, and searches the terminal information storage unit 42a to determine whether the authentication terminal has been stolen (S22),
If the terminal is not a stolen authentication terminal, transmission data to be sent to the card business integrated network system 5 for an authentication procedure is generated (S23). When it is determined that the terminal is a stolen authentication terminal, the main control unit 41 generates a memory erasing signal (S2).
4), and transmits to the portable credit card authentication terminal 1 (S25). The portable credit card authentication terminal 1
When the memory erase signal is received, the memory 12
The information stored in the authentication terminal is deleted, and the authentication terminal itself becomes unusable. Therefore, the card information is read from the stolen portable credit card authentication terminal 1 and is not illegally used.

[0023]

In the credit card authentication system using the wireless communication network according to the present invention, a terminal information storage unit and a routing information storage unit are provided in the memory 42 of the central data processing center 4, and information common to each authentication terminal is concentrated. In the memory of each portable credit card authentication terminal 1, a storage unit necessary for authentication and transaction procedures such as a card information storage unit, an authentication result information storage unit, and various setting condition information storage units is provided. Since only the system was configured, the memory capacity of the portable credit card authentication terminal could be reduced.

In the present invention, since the routing information is stored in the memory of the central data processing center 4 and is not downloaded to each authentication terminal, the portable credit card is transmitted from the central data processing center 4 via a packet communication type public wireless communication network. The amount of information transmitted to the card authentication terminal 1 has been reduced accordingly, and communication costs have been reduced. Further, the information transmitted from each portable credit card authentication terminal 1 for authentication via the public wireless communication network of the packet communication system includes only card information and other necessary minimum information. The information sent for this is only card information, transaction information and other minimum necessary information,
In each case, the information was compact, the amount of information was reduced, and communication costs were reduced.

In the credit card authentication system using the public wireless communication network according to the present invention, a stolen credit card use reporting means is provided in the central data processing center, so that a clerk operating the authentication terminal may be at risk. It has become possible to report the stolen credit card user to the police and security companies safely and reliably without exceeding the reach. Therefore, the security of the credit card authentication system according to the present invention has been enhanced.

Further, in the credit card authentication system using the public wireless communication network of the present invention, the central data processing center manages the stolen information of the portable credit card authentication terminal, and the portable credit card authentication terminal is stolen. If it is determined that the memory erasure signal is generated, and the portable credit card authentication terminal receives the memory erasure signal and disables its internal memory, the portable credit card authentication terminal Can be securely prevented from being stolen and unauthorized reading of confidential data such as card information. Therefore, the security and reliability of the credit card authentication system according to the present invention have been improved.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an embodiment of a credit card authentication system using a public wireless communication network.

FIG. 2 is a configuration diagram of an embodiment of a portable credit card authentication terminal.

FIG. 3 is a configuration diagram of a stationary credit card authentication terminal and a conventional credit card authentication system including the authentication terminal.

FIG. 4 is a diagram showing an example of a frame configuration of transmission data transmitted from an authentication terminal to a card company via a card business integrated network system.

FIG. 5 is a diagram showing an example of a frame configuration of transmission data transmitted from a portable credit card authentication terminal to a central data processing center.

FIG. 6 is a flowchart showing a process flow of a stolen card use notifying unit for notifying use of a stolen card to the police or the like;

FIG. 7: A portable credit card authentication terminal is stolen,
It is a flowchart which shows the flow of a process which makes the said authentication terminal unusable when used.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Portable credit card authentication terminal 2 Radio relay station 3 Packet exchange station 4 Central data processing center 5 Card business comprehensive network system 6 Credit card company 7 Stationary credit card authentication terminal 8 Wireless transmission line 11 Microprocessor 12 Memory 12a Card information storage Unit 12b Authentication result information storage unit 12c Various setting information storage unit 13 Card reader 14 Keyboard 15 Display 16 Printer 17 Transmission / reception unit 18 Battery / power supply circuit 41 Main control unit 42 Memory 42a Terminal information storage unit 42b Member store information storage unit 42c Card Company information storage section 42d Transaction information storage section 42e Payment condition information storage section 42f Routing information storage section 43 First interface section 44 Second interface section 45 Stolen card use reporting means 71 Microphone Processor 72 Memory 72a Card information storage unit 72b Authentication result information storage unit 72c Various setting information storage unit 72d Terminal information storage unit 72e Member store information storage unit 72f Card company information storage unit 72g Transaction information storage unit 72h Payment condition information storage unit 72i Routing Information storage unit 73 Card reader 74 Keyboard 75 Display unit 76 Printer 77 Interface unit

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/00 G06K 19/00 Q 19/10 R (72) Inventor Ryoichi Saito 6 Kameido, Koto-ku, Tokyo Seiko I-Tech Co., Ltd. (72) Inventor Masayuki Hatano 6-31-1, Kameido, Koto-ku, Tokyo F-term in Seiko I-Tech Co., Ltd. 5B017 AA03 BA08 CA14 5B035 AA13 BC00 5B058 CA27 KA31

Claims (1)

[Claims] 1. A large number of portable credit card authentication terminals are connected to a central data processing center by a packet communication type public wireless communication network, and the central data processing center is connected to each credit card company via a card business integrated network system. In a credit card authentication system in which the portable credit card authentication terminal can perform an online authentication process by accessing the host computer online, the stolen information of the portable credit card authentication terminal is sent to the central data processing center. A means for storing, and a means for determining whether or not the portable credit card authentication terminal that has requested the start of the authentication procedure has been stolen, and for generating a memory erasure signal when it is determined that the terminal has been stolen. And the portable credit car A credit card authentication system, wherein the authentication terminal includes means for receiving the memory erasure signal and disabling the built-in memory.