JP2002288575A - Dealing executing device, method and program, record medium recording the program and illegal dealings preventing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a dealing executing device capable of preventing illegal use due to theft. SOLUTION: A card number recorded in a portable communication device 101 on which a report of loss is given is recorded in a lost card recording part 42. A portable communicating part of the portable communication device 10 forcedly transmits a card number to a card company communication device 40. A portable communicating part 44 verifies the card number recorded in the lost card recording part 42, and transmits a signal taking 0 as a limit value to the portable communicating device 10. Even if a credit card function of the portable communicating device is illegally used in such a condition, the deal total sum recorded in a deal recording part 16 amounts to the limit value (=0) or more, and a limit comparing part 13 causes a short distance communication part 24 to stop transmission of the card number to the card reader 30. Thus, an illegal use can be prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology for preventing unauthorized use of a settlement means such as a credit card due to theft or the like by using communication.

[0002]

2. Description of the Related Art In recent years, credit cards have become indispensable when consumers purchase products and the like. If a consumer presents a credit card at a store where a credit card can be used (hereinafter referred to as a "card store"), the consumer can purchase goods without paying cash on the spot.
Thus, a credit card is convenient.

[0003]

However, if the credit card is stolen, the person who has stolen the credit card (hereinafter referred to as "illegal user") can purchase goods using the credit card. And even if it's fraudulent,
It looks as though it was used by a legitimate credit card owner. Regarding such unauthorized use, there are cases in which card companies individually insure insurance for unauthorized use. However, the scope of the insurance is limited, and in some cases it is not.
Also, within the scope of the insurance coverage, the rightful owner of the credit card needs to prove the fact of fraud.

[0004] Therefore, if the credit card is stolen,
The legitimate owner of a credit card sends a report of theft to the card company to stop using the stolen credit card. However, even if the card company accepts the theft report, it is difficult for the credit card store to receive information that the credit card has been stolen. Therefore, it is difficult to stop using a stolen credit card. Also,
In the case of counterfeiting or alteration of a credit card, it is common to fall outside the insurance coverage.

[0005] The problem of unauthorized use due to theft, forgery, falsification, etc. is a problem common to not only credit cards but also means for executing transactions (credit cards, electronic money, etc.).

In this case, there is a case where a hologram is pasted on a credit card or the like so that the credit card can be distinguished from a forged credit card. However, even if the hologram is not inspected, commerce can be performed if the card number is known. In addition, in the case of mail-order sales, in which transactions are increasing rapidly in recent years, it is not physically required to present a credit card. Therefore, even inspection of the hologram is impossible.

[0007] It is therefore an object of the present invention to provide a transaction execution device or the like which can prevent unauthorized use due to theft or the like.

[0008] The present invention is applicable to any payment method regarding the settlement means using the portable communication device as a "credit card". For example, it is also possible to use debit (function as a cash card) or electronic money.

[0009]

According to a first aspect of the present invention, there is provided an identification information recording means for recording identification information used in a transaction, and a limit value recording for recording a total limit value of the transaction value of the transaction. Means, limit value comparing means for comparing the total of the transaction amount and the limit value, and limit value setting for setting the limit value to a predetermined value which is too small in the transaction when the identification information satisfies a predetermined condition. Means, and the limit value comparing means is configured to generate a signal indicating a stop of trading when the sum of the transaction amounts is equal to or greater than the limit value or exceeds the limit value.

[0010] Here, the predetermined condition is, for example, that a transaction execution device (credit card or the like) is reported as lost or stolen, and that the transaction execution device with certain identification information is recorded as stolen. This is the case.

According to the transaction execution device configured as described above, when the transaction execution device is recorded as being stolen or the like, the predetermined value whose marginal value is too small in the transaction. (For example, 0). In addition, if the total transaction amount is equal to or greater than the limit value (for example, 0), the transaction is stopped, so that the transaction can be prevented from being executed by a stolen transaction execution device.

According to a second aspect of the present invention, there is provided an identification information recording means for recording identification information used at the time of a transaction, a limit value recording means for recording a limit value of a transaction amount of the transaction, a transaction amount and a limit value. Limit value comparing means, and limit value setting means for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, the limit value comparing means Is configured to generate a signal indicating a transaction halt if the transaction value is above or above a threshold.

The invention according to claim 3 is the invention according to claim 1 or 2, wherein the predetermined value is zero.

The invention according to claim 4 is the invention according to any one of claims 1 to 3, wherein the predetermined condition is that the identification information is recorded outside. Be composed.

The invention according to claim 5 is the invention according to claim 4, wherein the identification information transmitting means for transmitting the identification information, and the recording information for receiving whether or not the identification information is recorded externally. Receiving means.

The invention according to claim 6 is the invention according to claim 5, wherein the identification information transmitting means is configured to forcibly transmit.

The invention according to claim 7 is the invention according to claim 1, wherein a total amount setting means for setting the total amount of transactions to 0 when the identification information does not satisfy a predetermined condition. It is configured to comprise.

[0018] The invention according to claim 8 is the invention according to claim 1, and further comprises a total amount setting means for setting the total of the transaction amount to 0 after a predetermined period has elapsed.

According to a ninth aspect of the present invention, there is provided a first identification information recording means for recording identification information used in a transaction, a limit value recording means for recording a total limit value of a transaction amount of the transaction,
Threshold value comparing means for comparing the total transaction value with the threshold value;
Limit value setting means for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, wherein the limit value comparing means is such that the total of the transaction amount is equal to or more than the limit value. Or a transmitting means for transmitting whether or not the identification information satisfies a predetermined condition to a transaction execution device that generates a signal indicating a transaction stop if exceeding a limit value, and a second identification information recording means for recording the identification information, And if the identification information is recorded in the second identification information recording means, the identification information satisfies a predetermined condition.

According to a tenth aspect of the present invention, there is provided a first identification information recording means for recording identification information used at the time of a transaction, a limit value recording means for recording a limit value of a transaction amount of the transaction, Limit value comparing means for comparing the limit value with the limit value, and limit value setting means for setting the limit value to a predetermined value which is too small in the transaction when the identification information satisfies a predetermined condition, The comparing means includes: transmitting means for transmitting whether or not the identification information satisfies a predetermined condition to a transaction execution device that generates a signal indicating that the transaction has stopped if the transaction amount is equal to or more than the limit value or exceeds the limit value; And identification information recording means for recording the identification information. If the identification information is recorded in the second identification information recording means, the identification information satisfies a predetermined condition.

An eleventh aspect of the present invention is the invention according to the ninth or tenth aspect, wherein the predetermined value is zero.

According to a twelfth aspect of the present invention, there is provided an identification information recording step of recording identification information used in a transaction, a limit value recording step of recording a total limit value of the transaction amount of the transaction, A limit value comparing step of comparing the total with the limit value, a limit value setting step of setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, Generating a signal indicating a transaction halt if the sum is above or above a threshold value.

According to a thirteenth aspect of the present invention, there is provided an identification information recording step of recording identification information used in a transaction, a limit value recording step of recording a limit value of a transaction amount of the transaction, a transaction amount and a limit value. A limit value comparing step of comparing the limit value with a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition; and Generating a signal indicating a transaction halt if the threshold value is exceeded.

According to a fourteenth aspect of the present invention, there is provided an identification information recording process for recording identification information used at the time of a transaction, a limit value recording process for recording a total limit value of the transaction amount of the transaction, A limit value comparison process for comparing the total with the limit value, a limit value setting process for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, A process for generating a signal indicating that the transaction has stopped if the sum exceeds the limit value or exceeds the limit value.

[0025] According to a fifteenth aspect of the present invention, there is provided an identification information recording process for recording identification information used in a transaction, a limit value recording process for recording a limit value of a transaction amount of a transaction, a transaction amount and a limit value. And a limit value setting process for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. And a process for generating a signal indicating that the transaction has stopped if the value exceeds the limit value.

The invention according to claim 16 is an identification information recording process for recording identification information used at the time of a transaction, a limit value recording process for recording a total limit value of the transaction amount of the transaction, A limit value comparison process for comparing the total with the limit value, a limit value setting process for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, A computer-readable recording medium that stores a program for causing a computer to execute a process of generating a signal indicating that the transaction has stopped if the sum exceeds the limit value or exceeds the limit value.

[0027] The invention according to claim 17 is an identification information recording process for recording identification information used in a transaction, a limit value recording process for recording a limit value of a transaction amount of a transaction, a transaction amount and a limit value. And a limit value setting process for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. A computer-readable recording medium that stores a program for causing a computer to execute a process of generating a signal indicating that the transaction has stopped if the value exceeds a limit value.

[0028]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 shows a communication mode of a portable communication device 10 (transaction execution device) and a card company side communication device 40 (an unauthorized transaction prevention device) according to an embodiment of the present invention.

The mobile communication device 10 corresponds to a transaction execution device as described later. The mobile communication device 10 includes a mobile communication antenna 21 and a short-range wireless communication antenna 23. However, the short-range wireless communication antenna 23 may not be required depending on the short-range wireless communication method. The mobile communication device 10 communicates with the card reader 30 via the short-range wireless antenna 23 and the antenna 39 of the card reader 30.
And short-range wireless communication. For short-range wireless communication, for example, a communication method using Bluetooth, infrared rays, or the like can be considered. The card reader 30 is provided in a store that can use a card, and can be realized by a portable communication device. When the mobile communication device 10 communicates with the card reader 30, a commercial transaction is performed.

The card company side communication device 40 corresponds to an unauthorized transaction prevention device as described later. The card company side communication device 40 includes an antenna 46. Mobile communication device 10
Performs communication as a mobile phone with the card company side communication device 40 via the mobile communication antenna 21 and the antenna 46. There is a base station 50 between the mobile communication antenna 21 and the antenna 46. The base station 50 relays communication between the mobile communication antenna 21 and the antenna 46. The base station 50 may be a base station of a mobile phone communication network. In this case, an existing network such as communication with a CAFIS center may be used between the mobile communication device 10 and the card company side communication device 40.

FIG. 2 is a hardware configuration diagram of the portable communication device 10. The mobile communication device 10 includes a mobile communication antenna 21, a mobile communication unit 22, a short-range wireless antenna 23,
A short-range communication unit 24, a control unit 62, and a memory 64 are provided.

The control unit 62 is a device in which a control program is installed, and controls the portable communication unit 22 and the short-range communication unit 24 to perform communication based on the program and data recorded in the memory 64. In addition, the mobile communication unit 2
2 and the data stored in the memory 64 based on the data received by the short-range communication unit 24. In addition, the control unit 62
Are the memory 64, the mobile communication unit 22, and the short-range communication unit 2
4 is controlled.

In the memory 64, programs and data are recorded. The mobile communication antenna 21 is an antenna for performing communication as a mobile phone. The mobile communication unit 22 converts data from the control unit 62 into an RF (Radio Frequency) signal and outputs the RF signal from the mobile communication antenna 21 in order to perform communication as a mobile phone. Further, the data from the mobile communication antenna 21 is converted into a baseband signal and output to the control unit 62.

The short-range wireless antenna 23 is an antenna for performing short-range wireless communication. Short-range communication unit 24
Is composed by the control unit 62 in order to perform short-range wireless communication. The data is appropriately converted and output from the short-range wireless antenna 23. Also, the data from the short-range wireless antenna 23 is appropriately converted and output to the control unit 62.

The portable communication device 10 is provided with a handset for converting voice and electric signals to and from each other, a display for displaying messages, and the like. The card reader 30 and the card company side communication device 40 have the same configuration. However, the card reader 30 only needs to be able to perform short-range wireless communication for sending the sales data approved and received by the card company to the card company as sales. The card company side communication device 40
Similarly, mobile communication networks and existing networks (for example,
Communication with a CAFIS center) It is only necessary to be able to communicate with a network by a mobile phone.

FIG. 3 is a block diagram showing the configuration of the portable communication device 10, the card reader 30, and the card company side communication device 40. However, the base station 50 is omitted. The card company side communication device 40 sends transaction prohibition data (negative data) to the mobile communication device 10 when the transaction by the mobile communication device 10 is not permitted and is rejected, so that the transaction by the mobile communication device 10 is disabled. Has the function of

The mobile communication device (transaction execution device) 10 is a mobile communication device having a function as a credit card. The mobile communication device (transaction execution device) 10 includes a card number recording unit (first identification information recording unit, identification information recording unit) 1
1, limit value recording unit 12, limit value comparison unit 13, setting unit (limit value setting unit and total amount setting unit) 14, total amount calculation unit 15, transaction amount recording unit 16, timer 17, mobile communication antenna 21, Portable communication section (identification information transmitting means and recorded information receiving means) 22, short-range wireless communication antenna 23,
A short-range communication unit 24 is provided.

The card number recording section (first identification information recording means, identification information recording means) 11 records a card number when the portable communication device (transaction execution device) 10 functions as a credit card.

The limit value recording unit 12 records a limit value of a transaction amount when the portable communication device (transaction execution device) 10 functions as a credit card. FIG. 4 shows an example of the recorded contents of the limit value recording unit 12. As shown in FIG. 4, the limit value of the transaction amount is recorded for each predetermined unit. In the example shown in FIG. 4, the limit (upper limit) is 10,000 yen for each transaction. In addition, 500,000 yen is limited per transaction month (upper limit)
It is. More specifically, this means that the limit (upper limit) of the total transaction value for a month is 500,000 yen. Of course, a desired period may be set not every month, but also for one week or one year. In addition, the limit (upper limit) is 30,000 yen for each offline. More specifically, this is the limit (upper limit) of the total transaction amount from the last time the mobile communication device (transaction execution device) 10 communicates with the card company side communication device 40 until the next communication. ) Is 30,000
It is a circle. Note that the recorded contents shown in FIG. 4 are merely examples. For example, only the limit (upper limit) value for each offline or the limit (upper limit) value for each month of a transaction may be recorded. Which kind of limit (upper limit) value is set can be appropriately selected.

As described above, the limit value recording unit 12 may record the limit (upper limit) value of the transaction amount itself, or may record the limit (upper limit) value of the total transaction amount.

Returning to FIG. 3, the limit value comparing unit 13 compares the limit value recorded in the limit value recording unit 12 with the total amount of the transaction amount recorded in the transaction amount recording unit 16 or the transaction amount itself. . As a result of the comparison, if the total transaction amount or the transaction amount itself exceeds the corresponding limit value or exceeds the limit value, a signal indicating transaction suspension is generated and sent to the short-distance communication unit 24.

The setting section (limit value setting means and total amount setting means) 14 functions as limit value setting means and total amount setting means. That is, the setting unit 14 receives, from the mobile communication unit 22, the signal that the mobile communication device 10 has received from the card-side communication device 40. The signal received from the mobile communication unit 22 is a signal indicating “set the limit value to 0” or “set the total value of the transaction amount to 0”. Based on the signal received from the mobile communication unit 22, the setting unit 14 further calculates the total amount of the offline transaction amount recorded in the transaction amount recording unit 16, that is, since the last transaction with the card-side communication device 40. Set the total transaction value to 0. Alternatively, the limit value recorded in the limit value recording unit 12 is set to 0. Note that the limit value is not limited to 0 (yen), but may be a value such as 1 (yen) or 2 (yen) such that substantially nothing can be purchased. That is, the limit value may be set to a value that is too small in the transaction.

The setting of the limit value by the setting unit 14 is performed irrespective of the transaction amount. For example,
It is assumed that the limit value is 30,000 yen and that it has not been used for trading yet. Even in such a case, the limit value is suddenly set to 0 (circle). It is not necessarily 0 (yen) because you traded 30,000 yen. in this way,
A feature of the setting by the setting unit 14 is that the limit value is set to 0 (yen) based on a signal of “set the limit value to 0” regardless of the transaction amount.

The setting unit 14 may write (forcibly download) information such as transaction prohibition data (negative data) into the portable communication device 10 and send the negative data to the card reader 30 for subsequent transactions. in this case,
The signal received from the mobile communication unit 22 is a signal indicating that “transaction is prohibited”.

The total amount calculation unit 15 receives the transaction amount transmitted by the card reader 30 from the short-range communication unit 24. The total amount calculation unit 15 further reads the total of the transaction amounts up to now from the transaction amount recording unit 16, adds the transaction amount received from the short-distance communication unit 24, and writes the sum to the transaction amount recording unit 16. However, if the limit value recorded in the limit value recording unit 12 is only the limit value per transaction, the total amount calculation unit 15 writes the transaction amount received from the short-range communication unit 24 into the transaction amount recording unit 16 as it is. You may do so.

The transaction amount recording section 16 records one or more of the transaction amount and the total of the transaction amount that have been transacted using the portable communication device 10. Timer 17 (total amount setting means)
Detects that the predetermined period in the limit value recording unit 12 has elapsed, and sets the total amount of the transaction amount recording unit 16 for the predetermined period to 0. Note that the card company side communication device 40 may detect that a predetermined period in the limit value recording unit 12 has elapsed. In this case, the card company side communication device 40 generates a signal indicating that the total amount for the predetermined period of the transaction amount recording unit 16 is set to 0, and transmits the signal to the mobile communication device 10. If the record content of the limit value recording unit 12 is as shown in FIG. 4, the timer 17 counts one month from the predetermined time point (for example, 1st of every month). To zero.

The portable communication antenna 21 is as described above. The portable communication unit 22 (identification information transmitting unit and recording information receiving unit) reads out the card number from the card number recording unit 11 and transmits the card number to the card company side communication device 40. That is, the portable communication unit 22 functions as an identification information transmitting unit. At this time, it is preferable that the communication is forcibly transmitted to the card company side communication device 40 regardless of the intention of the person who possesses the mobile communication device 10 (it may not be a valid owner). . Further, the portable communication unit 22 sends the “limit value to 0” from the card company side communication device 40.
Or a signal indicating that the total transaction amount is set to 0, and sends the signal to the setting unit 14. That is, the portable communication unit 22 functions as a record information receiving unit.

The short-range wireless communication antenna 23 is as described above. The short-range communication unit 24 receives the transaction amount from the card reader 30 and sends the transaction amount to the total amount calculation unit 15.
Further, the short-range communication unit 24 reads out the card number from the card number recording unit 11 and transmits the card number to the card reader 30. However, if a signal indicating the stop of the transaction is received from the limit value comparing unit 13, the transmission of the card number is stopped.

If a signal indicating that the transaction has been stopped is received from limit value comparing section 13, short-range wireless communication antenna 23
It is also possible to send a signal to the card reader 30 indicating that "transaction is not possible" or "limit = 0". In short, it suffices if the transaction is stopped.

It should be noted that the short-range communication section 24 may perform transmission and reception without using the short-range wireless communication antenna 23 depending on the communication method. Hereinafter, a description that the short-range communication unit 24 may perform transmission and reception without the intervention of the distance wireless communication antenna 23 is omitted.

The card reader 30 includes a transaction amount recording unit 32,
An authentication determination unit 34, a short-range communication unit 36, a card number reading unit 38, and an antenna 39 are provided. The card reader 30 is placed in a store where a card can be used.

The transaction amount recording section 32 records the transaction amount.
For example, when the user of the mobile communication device 10 purchases a certain product, the price of the product is recorded. Authentication determination unit 34
Reads the transaction amount recorded in the transaction amount recording unit 32, and determines whether or not it is necessary to request the card company for authentication for the transaction. Normally, if the transaction amount exceeds a predetermined amount (eg, 10,000 yen), it is said that it is necessary to request authentication from the card company. To determine whether it is necessary to request authentication. If the authentication is necessary, the authentication determination unit 34 indicates to the person (such as a clerk) using the card reader 30 that the authentication is necessary. If the authentication is not required, or if the authentication is performed, the transaction amount is sent to the short-range communication unit 36.

[0053] The short-range communication unit 36 transmits the transaction amount to the portable communication device 10. Then, the card number is received from the mobile communication device 10 and sent to the card number reading unit 38. The card number reading unit 38 reads a card number recorded on the mobile communication device 10. The card number obtained in this way is used for subsequent commercial transactions. The antenna 39 is
An antenna for performing short-range wireless communication with the portable communication device 10.

The card company side communication device 40 (unauthorized transaction prevention device) includes a lost card recording unit (second identification information recording means).
42, a portable communication unit (transmission means) 44, and an antenna 46.

The lost card recording section 42 records the card number recorded in the portable communication device 10 that has been reported as lost. The lost card recording unit 42 functions as a second identification information recording unit. Thereby, the lost or stolen portable communication device 10 can be specified.

The portable communication unit 44 determines whether or not the card number transmitted from the portable communication device 10 is recorded in the lost card recording unit 42. Here, if it is recorded in the card recording unit 42, “set the limit value to 0”
Send a signal to the effect. If it is not recorded in the card recording section 42, a signal indicating "set the total transaction amount to 0" is transmitted. The mobile communication unit 44 functions as a transmission unit. The antenna 46 is an antenna for communicating with the mobile communication device 10.

Next, the operation of the embodiment of the present invention will be described.

The communication operation between the portable communication device 10 and the card reader 30 will be described with reference to the flowchart of FIG.

First, the transaction amount recording unit 3 of the card reader 30
The transaction amount is recorded in No. 2 (S10). For example, the price of a product that a user of the mobile communication device 10 intends to purchase is recorded. Then, the authentication determination unit 34 reads the transaction amount recorded in the transaction amount recording unit 32, and determines whether it is necessary to request the card company for authentication for the transaction (S1).
2). If the transaction amount exceeds a predetermined amount and authentication is required (S12, Yes), authentication is performed. If the authentication is successful (S14, Yes), the authentication determination unit 34
Sends the transaction amount to the short-range communication unit 36. Then, the short-range communication unit 36 transmits the transaction amount to the mobile communication device 10 (S16). If the authentication fails (S14, No), it means that the credit card function of the mobile communication device 10 has been illegally used, and the process ends. If the authentication is unnecessary (S12, No), the transaction amount is transmitted (S16).

The transaction amount is received by distance communication unit 24 of portable communication device 10 and sent to total amount calculation unit 15. The total amount calculation unit 15 calculates the total amount of the transaction amount (S20),
Write it to the transaction amount recording unit 16. However, it is also possible to write only the transaction amount in the transaction amount recording unit 16. And
The limit value comparing unit 13 determines whether the total value of the transaction amounts recorded in the transaction value recording unit 16 or the transaction amount itself is equal to or greater than (or exceeds) the limit value recorded in the limit value recording unit 12 (or not). S22).

If the total transaction amount is equal to or less than the limit value or less than the limit value (S22, No), the short-distance communication unit 24 reads the card number from the card number recording unit 11 and sends the card number to the card reader 30. It is transmitted (S24). Then, the transaction is continued based on the card number transmitted to the card reader 30. If the total transaction amount is equal to or greater than the limit value (or exceeds the limit value) (S22, Yes), the short-range communication unit 24 receives the signal indicating that the transaction is stopped from the limit value comparison unit 13. The transmission of the number is stopped (S26).

In the example shown in FIG. 5, the card number is transmitted from the portable communication device 10 after the transaction amount is received. However, the transmission of the card number from the mobile communication device 10 may be performed before the reception of the transaction amount. In such a case, instead of transmitting the card number (S24) and stopping the transmission of the card number (S26), signals such as "transaction permitted" and "transaction not permitted" may be sent.

The portable communication device 10 and the card-side communication device 40
The communication operation with the server will be described with reference to the flowchart of FIG.

First, the portable communication section 22 reads out the card number from the card number recording section 11, and forcibly transmits the card number to the card company side communication device 40 (S30). The portable communication unit 44 of the card company side communication device 40 receives the card number and determines whether or not the received card number is recorded in the lost card recording unit 42 (S32). If the card number is recorded in the lost card recording section 42 (S32, Y
es), the portable communication unit 44 transmits a signal indicating “set the limit value to 0”. As a result, the limit value recorded in the limit value recording unit 12 of the mobile communication device 10 is set to 0 (S3).
4). If the card number is not recorded in the lost card recording unit 42 (S32, No), the portable communication unit 44 transmits a signal indicating that "the total transaction amount is set to 0". As a result, the total amount (or the transaction amount itself) of the transaction amount relating to the offline recorded in the transaction amount recording unit 16 of the mobile communication device 10 is set to 0 (S36).

As a result, unauthorized use of the credit card function of the portable communication device 10 can be prevented. That is, the card number recorded in the portable communication device 10 that has been reported as lost is recorded in the lost card recording unit 42. Here, since the portable communication unit 22 of the portable communication device 10 forcibly transmits the card number to the card company side communication device 40 (S30 in FIG. 6), the limit value is 0 (the predetermined value which is too small in the transaction). (FIG. 6: S34). In such a state, even if an unauthorized use of the credit card function of the mobile communication device 10 is attempted, the total transaction amount (or the transaction amount itself) exceeds the limit value (FIG. 5: S22, Y).
es), the transmission of the card number to the card reader 30 is stopped (FIG. 5: S26), and the transaction is stopped.

Further, the credit card function of the portable communication device 10 can be properly used. That is, the card number recorded on the mobile communication device 10 that has not been lost is
It is recorded in the lost card recording section 42. Here, the mobile communication unit 22 of the mobile communication device 10 includes the card company side communication device 4.
0 to forcibly transmit the card number (FIG. 6: S3
0), the total amount relating to the offline, that is, the total amount of the transaction amount since the last communication with the card-side communication device 40 becomes 0 (FIG. 6: S36). In such a state,
If an attempt is made to use the credit card function of the mobile communication device 10, the total amount of transactions related to offline (or the transaction amount itself) is less than the limit value (FIG. 5: S
22, No), the card number can be transmitted to the card reader 30 (FIG. 5: S24), and the transaction is continued. If the transaction is continued, the total amount of the transaction related to the offline will eventually exceed the limit value. However, in such a case, if the portable communication device 10 is taken out to a place where communication by the portable communication device can be performed, the card company side communication device 40
Since the card number is forcibly transmitted to, the total amount related to offline can be reduced to zero. Therefore, legitimate transactions can be continued.

According to the embodiment of the present invention, if the portable communication device 10 is lost or stolen, the card number is recorded in the lost card recording section 42. In such a case, the limit value related to the off-line recorded in the limit value recording unit 12 is stored in the portable communication device 10 and the card company side communication device 4.
By communication with 0, the value is set to a predetermined value (for example, 0) which is too small in the transaction. Moreover, if the total transaction amount is equal to or greater than a limit value (for example, 0), the limit value comparison unit 13
Generates a signal indicating that the transaction has been stopped and stops transmitting the card number to the card reader 30, so that the transaction can be prevented from being performed by the stolen mobile communication device 10.

Here, the setting of the limit value related to the off-line is performed irrespective of the transaction amount. For example,
It is assumed that the limit value is 30,000 yen and that it has not been used for trading yet. Even in such a case, the limit value is suddenly set to 0 (circle). It is not necessarily 0 (yen) because you traded 30,000 yen. in this way,
Regardless of the transaction amount, the limit value is set to 0 (yen) based on the signal "set the limit value to 0", so that unauthorized use can be immediately prevented.

The above embodiment can be realized as follows. The CPU, hard disk, and media (floppy (registered trademark) disk, CD-ROM, etc.) having a reader for reading a medium having a program for realizing the above parts are read by a media reader of a computer equipped with the reader and installed on the hard disk. I do. Even with such a method, the above function can be realized.

[0070]

According to the present invention, when a transaction execution device is recorded as being stolen or the like, a predetermined value (for example, 0) whose limit value is too small in a transaction.
Is set to Moreover, if the total transaction amount is equal to or greater than a limit value (for example, 0), the transaction is stopped, so that the transaction can be prevented from being executed by a stolen transaction execution device.

[Brief description of the drawings]

FIG. 1 is a portable communication device 10 according to an embodiment of the present invention.
It is a figure which shows the communication form of (transaction execution apparatus) and the card company side communication apparatus 40 (illegal transaction prevention apparatus).

FIG. 2 is a hardware configuration diagram of the mobile communication device 10.

FIG. 3 is a block diagram showing a configuration of the mobile communication device 10, a card reader 30, and a card company side communication device 40.

FIG. 4 is a diagram showing an example of recorded contents of a limit value recording unit 12.

FIG. 5 is a flowchart showing a communication operation between the mobile communication device 10 and the card reader 30.

FIG. 6 is a flowchart showing a communication operation between the mobile communication device 10 and the card-side communication device 40.

[Explanation of symbols]

Reference Signs List 10 mobile communication device (transaction execution device) 11 card number recording unit (first identification information recording unit, identification information recording unit) 12 limit value recording unit 13 limit value comparison unit 14 setting unit (limit value setting unit and total amount setting unit) 15 Total amount calculation unit 16 Transaction amount recording unit 17 Timer 21 Portable communication antenna 22 Portable communication unit (identification information transmitting unit and recording information receiving unit) 23 Short-range wireless communication antenna 24 Short-range communication unit 30 Card reader 32 Transaction Forehead recording unit 34 Authentication determination unit 36 Short-range communication unit 38 Card number reading unit 39 Antenna 40 Card company side communication device (illegal transaction prevention device) 42 Lost card recording unit (second identification information recording unit) 44 Mobile communication unit (transmission) Means) 46 antenna

Claims (17)

[Claims] 1. An identification information recording means for recording identification information used in a transaction, a limit value recording means for recording a limit value of a total transaction amount of the transaction, a total value of the transaction amount and the limit value And limit value setting means for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. The limit value comparing means is a transaction execution device that generates a signal indicating a stop of a transaction when the sum of the transaction amounts is equal to or greater than the limit value or exceeds the limit value. 2. An identification information recording means for recording identification information used in a transaction, a limit value recording means for recording a limit value of a transaction amount of the transaction, and comparing the transaction amount with the limit value. Limit value comparing means; and limit value setting means for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. Is a transaction execution device that generates a signal indicating that the transaction has stopped if the transaction value is equal to or greater than the limit value or exceeds the limit value. 3. The transaction execution device according to claim 1, wherein the predetermined value is zero. 4. The transaction execution device according to claim 1, wherein the predetermined condition is that the identification information is recorded externally. 5. The transaction execution device according to claim 4, wherein: identification information transmitting means for transmitting the identification information; and record information receiving means for receiving whether or not the identification information is recorded externally. A transaction execution device comprising: 6. The transaction execution device according to claim 5, wherein said identification information transmitting means forcibly performs transmission. 7. The transaction execution device according to claim 1, further comprising: total amount setting means for setting the total of the transaction amounts to 0 when the identification information does not satisfy the predetermined condition. Transaction execution device. 8. The transaction execution device according to claim 1, further comprising a total amount setting means for setting a total of the transaction amounts to 0 after a predetermined period has elapsed. 9. A first identification information recording means for recording identification information used at the time of a transaction, a limit value recording means for recording a limit value of a total transaction amount of the transaction, Limit value comparing means for comparing with a limit value, and limit value setting means for setting the limit value to a predetermined value which is too small in the transaction when the identification information satisfies a predetermined condition. The limit value comparing means may determine whether the identification information satisfies a predetermined condition in a transaction execution device that generates a signal indicating that the transaction has stopped if the sum of the transaction amounts is equal to or greater than the limit value or exceeds the limit value. Transmitting means for transmitting the identification information, and second identification information recording means for recording the identification information. If the identification information is recorded in the second identification information recording means, the identification information is the predetermined Meet the conditions Fraudulent transactions prevention device that. 10. A first identification information recording means for recording identification information used at the time of a transaction, a limit value recording means for recording a limit value of a transaction value of the transaction, and a limit value recording means for storing the transaction value and the limit value. Limit value comparing means for comparing, and limit value setting means for setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, the limit value A comparing unit that transmits to the transaction execution device that generates a signal indicating that the transaction has stopped if the transaction amount is equal to or greater than the limit value or exceeds the limit value, and that the identification information satisfies a predetermined condition; And second identification information recording means for recording the identification information, wherein if the identification information is recorded in the second identification information recording means, the identification information satisfies the predetermined condition. Illegal transaction prevention Apparatus. 11. The transaction execution device according to claim 9, wherein the predetermined value is 0. 12. An identification information recording step for recording identification information used in a transaction; a limit value recording step for recording a limit value of a total transaction amount of the transaction; a total value of the transaction amount and the limit value. And a limit value comparing step of comparing the transaction amount with the limit value setting step of setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. Generating a signal indicating that the transaction has stopped if the sum is equal to or greater than the limit value or exceeds the limit value. 13. An identification information recording step of recording identification information used at the time of a transaction, a limit value recording step of recording a limit value of a transaction amount of the transaction, and comparing the transaction amount with the limit value. A limit value comparing step, a limit value setting step of setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition, and the transaction amount is equal to or more than the limit value. Or a step of generating a signal indicating that the transaction has stopped if the threshold value is exceeded. 14. An identification information recording process for recording identification information used at the time of a transaction, a limit value recording process for recording a limit value of a total transaction amount of said transaction, a total value of said transaction amount and said limit value And a limit value comparison process of comparing the transaction amount with the limit value setting process of setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. A process for generating a signal indicating a transaction halt when the total is equal to or greater than the limit value or exceeds the limit value; and 15. An identification information recording process for recording identification information used in a transaction, a limit value recording process for recording a limit value of a transaction amount of the transaction, and comparing the transaction amount with the limit value. A limit value comparison process, when the identification information satisfies a predetermined condition, a limit value setting process of setting the limit value to a predetermined value that is too small in the transaction, and the transaction amount is equal to or more than the limit value. Or a process of generating a signal indicating that the transaction is stopped if the limit value is exceeded, and a program for causing a computer to execute the process. 16. An identification information recording process for recording identification information used at the time of a transaction, a limit value recording process for recording a limit value of a total transaction amount of said transaction, a total value of said transaction amount and said limit value And a limit value comparison process of comparing the transaction amount with the limit value setting process of setting the limit value to a predetermined value that is too small in the transaction when the identification information satisfies a predetermined condition. A computer-readable recording medium storing a program for causing a computer to execute a process of generating a signal indicating that the transaction has stopped if the total is equal to or greater than the limit value or exceeds the limit value. 17. An identification information recording process for recording identification information used in a transaction, a limit value recording process for recording a limit value of a transaction amount of the transaction, and comparing the transaction amount with the limit value. A limit value comparison process, when the identification information satisfies a predetermined condition, a limit value setting process of setting the limit value to a predetermined value that is too small in the transaction, and the transaction amount is equal to or more than the limit value. Alternatively, a computer-readable recording medium that stores a program for causing a computer to execute a process of generating a signal indicating that the transaction has stopped if the value exceeds the limit value.