JP2004139546A - Ic card service providing system for use by plurality of ic card service providers - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To efficiently relay an application provided by an application provider to the writable area of an IC card issued by an IC card issuer and to facilitate operation such as changing individual information or the like. <P>SOLUTION: An IC card service provider 10 enables each user to store, add or delete an application provided by an application provider 30 into or from the writable area 61 of an IC card 60 or to change or confirm individual information, by connecting to an IC card service provider's terminal 11 through a user's terminal 51 and a communication line 80, for individual authentication. Among a plurality of IC card service providers, an individual IC card service provider ID code or a memory volume or the like is read and even the IC card service providers other than the IC card service provider who stored the application can add or delete the application and change or confirm individual information. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for transferring applications and personal information to a writable area of a multi-application IC card capable of storing and handling a plurality of applications, and a plurality of IC card service agents. The present invention relates to an intermediary system for IC card applications, personal information, etc.
[0002]
2. Description of the Related Art Conventionally, magnetic cards, which are widely used, are indispensable in daily life. However, with the progress of the information society, cards having both convenience and security are required. Thus, demand for multi-application IC cards is expected to increase in the future. Most of the current IC cards have only a single function, and only a part of the functions of the IC card can be used. It is anticipated that means for providing and handling applications efficiently will be desirable.
[0003]
As described above, under the current situation where an IC card having only a single function is generally used, an IC card issuer and an application provider that provides an application service that can be used using the IC card are individually provided. Business schemes such as contracting with the mainstream are in the mainstream, and new business schemes such as an IC card service agency business that provides services such as providing a plurality of applications in order to solve the above-mentioned problems are expected to emerge. There is currently no business scheme when there are multiple card service agents, and in that case, there is no compatibility between IC card systems, and the user can use a single IC card for multiple IC card services. In the situation where it is difficult to use and handle the IC card service agency site operated by the agency That.
[0004] It is an object of the present invention to provide an IC card service agency system that connects a plurality of application providers and users and a plurality of IC card service agency companies to realize an efficient multi-application handling scheme. .
[0005]
Means for Solving the Problems In order to solve the above problems, according to the first aspect of the present invention,
The IC card service agency system includes a multi-application IC card capable of storing a plurality of applications, an IC card issuer terminal of an IC card issuer that issues an IC card, and a user An IC card service agency terminal owned by an IC card service agency that performs processing to display on a user terminal a screen used when storing an application in a writable area of an issued IC card. An application provider terminal provided by an application provider that provides an application that can be stored in a writable area of an IC card issued by the IC card issuer, and a user terminal connected to an IC card service agent terminal through a communication line And the user reads the IC card A read / write terminal to be used when writing only the IC card. When issuing the IC card, the IC card issuer has a card number that differs in advance for each IC card, and personal authentication such as an ID and password for identifying the user. Information managed by an IC card service agency that holds information and other necessary personal information in the IC card issuer terminal and uses it for handling applications stored in the IC card. When registering the use of the card service agency site at the time of first use, the IC card service agency provides the user with personal authentication information such as ID and password that the IC card issuer gives to the user in advance, and if necessary, Enter personal information, etc., connect to the IC card issuer terminal through the communication line, and store the ID and pass stored in the IC card issuer terminal. After verifying that the user is the person who issued the IC card, the user is authorized to store applications, etc., and to prevent the use of spoofing, etc. Such a system that can enhance security.
[0008] In the invention of claim 2, in the IC card service agency system according to claim 1, the IC card service agency provides the IC card service agency with an ID, a password, etc., when using the IC card service agency site operated by itself. Issuing personal authentication information, etc., and linking the ID, personal authentication information, personal information, etc. with the IC card number issued by the IC card issuer and the IC card issuer identification code together with other personal information, etc. The information is recorded on the agent terminal, and at the time of initial registration, the user is referred to the ID and personal information given by the card issuer to the user, and the user is confirmed. Distribute information, and issue the IC card number and IC card issued by the IC card issuer along with other necessary personal information. By linking with an identification code and recording and managing the IC card service agency terminal, the user can issue the IC card without referring to the IC card issuer ID during normal use. A system that can confirm that you are the right person.
According to a third aspect of the present invention, in the IC card service agency system according to the first and second aspects, when a plurality of IC card service agency operators use the IC card service agency site for the first time, An IC card number issued by one IC card issuer, an ID for each user, and other necessary personal information linked to an IC card issuer identification code, etc., which are individually given at the time of initial registration. By writing to each of the writable areas of the user's IC card, a plurality of IC card service agencies identify IDs and the like which are individually distributed after the issuance of one IC card, so that the card is issued. A system that allows a plurality of IC card service agents to provide services to the users who have used them.
According to the fourth aspect of the present invention, in the IC card service agency system according to the first, second, or third aspect, the IC card service is stored in an IC card when only a user who satisfies a certain standard is allowed to handle an application. If the provider of the application is required, the ID and personal information issued by the application provider to the user can be written in a writable area of the IC card, or operated by an IC card service agency. By allowing the application provider to enter the ID, personal authentication information, and other necessary personal information, etc. issued by the application provider through the IC card service agency site, the user is authenticated and the user is permitted to handle the application. After confirming that the user has been System.
According to the invention of claim 5, there is provided a system for realizing an IC card service agency between a plurality of IC card service agencies that are expected to exist, wherein a user operates the IC card service agency. When an application is stored in the IC card using the IC card service agency site, the application identifier and personal information written in the writable area of the user's IC card together with the application include a plurality of IC card service agency companies. By assigning the IC card service agency recognition code disclosed in advance in the above, it is possible to confirm which IC card service agency the user has stored the application. When an application is stored in the writable area of the IC card, an IC card service agency identification code assigned to an application identifier or the like of the application arbitrarily stored in the writable area is used here. Similarly, in the writable area, a folder is provided for each IC card service agent to store an application, or a memory area is allocated to each IC card service agent to store an application, and the like. Can be realized.
In the invention according to claim 6, the system according to claim 5 is a system in which a user satisfies necessary conditions with a provider of an application stored in an IC card to be used. When an agent requests the update, deletion, or change of personal information, etc. of an application stored on an IC card service agent site operated by an affiliated IC card service agent in advance, the IC card service agent terminal By identifying the recognition code of the IC card service agent of the partner IC card service agent storing the application, which is recorded in the writable area of the IC card, the partner IC card service agent is identified. , The user is immediately contacted by the partner IC card service Update or deletion of personal information, change of personal information, etc., or the IC operated by the partner IC card service agency on the IC card service agency operated by the IC card service agency Inform the user to change the application etc. through the card service agency site. In any case, the change information of the user's application is also updated in the application provider terminal and the IC card issuer terminal through the changed IC card service agency terminal. As a result, the IC card issuer can grasp the usage status of the writable area of the IC card, and can collect a usage fee based on the occupation rate of each application provider.
[0011]
Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a schematic diagram of an IC card service agency system.
The IC card service agency system of the present invention provides an IC card 60 having a writable area issued by an IC card issuer 40 and an application to a writable area 61 of the IC card 60 issued by the IC card issuer 40. Application provider terminal of the IC card service agency terminal 11 of the IC card service agency 10 which mediates the loading of the IC card and the application provider 30 of the application provider 30 which provides the application to be mounted on the IC card 60 issued by the IC card issuer 40 31 and a user terminal 51 used by the user 50 of the IC card for connection to the communication line, and a read / write terminal 52 used for reading and writing of the IC card 60. The IC card service agent terminal 11 and the application provider terminal 31 are provided. And IC card issuer end 41 and the user terminal 51 and the read write terminal 52 are connected by a communication line 70 including the Internet. For one IC card issuer 40, a plurality of IC cards 50, an IC card service agency 10, and an application provider 30 may all exist.
Next, an outline of the IC card service agency system will be described with reference to FIG. When issuing an IC card, the IC card issuer 40 associates a card number different for each IC card with personal identification information such as an ID and a password for identifying a user and other necessary personal information in advance. It is stored in the issuer terminal 41. The IC card service agency 10 operates through the communication line 70 by operating the user terminal 51 so that the user 50 of the IC card 60 issued by the IC card issuer 40 stores an application in the IC card 60 or the like. When connecting to the terminal 11 of the IC card service agency 10 for the first time, the ID and personal authentication information provided by the IC card issuer 40 to the user 50 and other personal information if necessary. Request registration. The IC card service agency terminal 11 connects to the IC card issuer terminal 41 through the communication line 70, and transmits the ID, personal authentication information, other personal information, etc. assigned to the IC card issuer 40 input by the user 50. , By comparing the data with the data stored in the IC card issuer terminal 41 to identify the user 50, and issue personal authentication information such as an ID and a password to the user 50 by himself / herself. The information is recorded on the terminal 11 of the IC card service agency 10 in association with the input IC card number issued by the IC card issuer 40, the IC card issuer identification code, and the like, together with the 50 personal information and the like. The ID and the like issued by the IC card service agent 10 are stored in the writable area 61 of the IC card 60 of the user 50 and are recognized by a predetermined IC card service agent assigned to each IC card service agent in advance. It is stored together with the code and used for authentication when connecting to the terminal 11 of the IC card service agency 10 in the future. When the user terminal 51 is connected to the terminal 11 of the IC card service agency 10 through the communication line 70, the company identification code recorded in the writable area 61 of the IC card 60 and the IC card service agency 10 are issued. The terminal 52 reads and writes the ID, and personal authentication information such as a password presented by the user 50, personal information, etc., and personal authentication information and personal information recorded on the terminal 11 of the IC card service agency 10 Then, the user 50 is authenticated. In this case, since the ID and the personal information of the IC card issuer 40 are collated at the time of the initial registration, it is not necessary to confirm the IC card issuer terminal 41 every time normal use is performed. After the authentication, a personal private screen of the user is opened, and information of the application that can be currently stored from the terminal 11 of the IC card service agency 10 and information of the application currently mounted on the IC card, and confirmation of the personal information, etc. Can be performed by a terminal operation such as a double click on the personal dedicated screen of the user terminal 51. When the application is stored in the IC card 60, personal information or the like registered in the IC card service agency 10 is sent to the application provider 30, or the application provider 30 sets a fixed amount of handling of the application of the user 50. For example, the application provider 30 writes the ID and personal information issued by the application provider 30 to the IC card 60 through the IC card service agency terminal 11 for the user who satisfies the condition. The user 50 is identified by inputting the ID, personal authentication information, personal information, and the like assigned to the application provider 30 on the personal dedicated screen of the user terminal 51 when the application 50 handles the application. To the user who has authorized the handling of the application The application sent from the terminal 31 of the application provider 30 to the terminal 11 of the IC card service agent 10 through the communication line 70 or deposited and stored in the terminal 11 of the IC card service operator 10 in advance is The read / write terminal 52 of the user 50 through the communication line 70 to the writable area 61 of the IC card 60 together with the application identifier for identifying the application to which the IC card service agency identification code of the IC card service agency 10 is added. Is stored. At this time, the application storage information of the user 50 in the IC card 60 is registered in the terminal 31 of the application provider 30 together with the data, if any, issued by the application provider 30 to the user. The application storage information in the IC card 60 is also transmitted to the IC card issuer 40 by the IC card service agency 10. The other IC card service agent 20 that provides the same service as the IC card service agent 10 can provide the same IC card 60 used by the user 50 in the same manner. As a result, a plurality of IC card service agents provide services to one IC card.
Next, a description will be given of how to handle a change such as updating or deleting an application or personal information stored on an IC card service agency site operated by another IC card service agency. When the read / write terminal 60 reads the IC card 60 loaded with the application, and the user terminal 51 is connected to the terminal 11 of the IC card service agency 10 via the communication line 70, the IC card service agency 10 Has been authenticated, and the user 50 stores the information at the IC card service agency site operated by the IC card service agency 20 affiliated with the IC card service agency 10 in advance by terminal operation such as double-clicking. When requesting deletion of an application or change of personal information, the terminal 11 of the IC card service agent 10 stores the partner IC card service agent business that stores the application recorded in the writable area 61 of the IC card 60. Of the IC card service agency identification code of the customer 20 By, to determine the partner IC card service agency business 20. The IC card service agency 10 connects to the terminal 31 of the application provider 30 and, if required by the application provider 30, implements a change such as update / deletion of the application for the user who satisfies the conditions. The change is immediately transmitted to the partner IC card service agency 20 or the IC card service operated by the IC card service agency 10 displayed on the user terminal 51 of the user 50 is displayed. On the agency site, the user 50 is notified and prompted to make a change regarding the application through the IC card service agency site operated by the partner IC card service agency 20. The terminal 31 of the application provider 30 receives a notification such as update / deletion of the application made by the application provider 30 if necessary from the IC card service agency 10 or 20 that has made the change, if necessary. The record of the application storage status of the user 50 is updated. In addition, the status of application storage in the IC card 60 is also transmitted to the IC card issuer 40 by the IC card service agency 10 or 20, whereby the IC card issuer grasps the use status of the writable area of the IC card. It is also possible to collect a usage fee according to the occupancy rate of each application company.
According to the above-mentioned IC card service agency system, even after the IC card is issued, a plurality of ICs each associated with an individual ID, personal information, etc. assigned by the IC card issuer to one IC card. By writing the ID, personal information, etc. of the card service agent on the IC card, the user can obtain, delete, change or confirm the personal information of the application by operating the terminal, and check the information of other IC card service agents. Handling of applications and the like stored using the system can be smoothly performed, and a new business scheme for a multi-application IC card is established.
Next, an embodiment of a specific service image will be described. When the user 50 operates the user terminal 51 and connects to the terminal 11 of the IC card service agency 10 through the communication line 70 to store the commuter pass application of the railway company (application provider 30), the IC 50 The IC card 60 issued by the card issuer 40 is read by the read / write terminal 52 connected to the user terminal 51, and the authentication of the IC card service agency 10 is written in the writable area 61 of the IC card 60. This is performed by inputting the ID issued by the IC card service agency 10 and the personal authentication information presented by the user, and the screen dedicated to the user is opened. The application of the application provider with which the IC card service agency 10 is affiliated is displayed on the screen, and the user 50 selects the commuter pass application of the railway company from among the applications and operates the terminal such as double-clicking. Then, the personal information registered in the IC card service agent 10 is sent to the terminal of the railway company via the communication line 70, and the personal information other than the personal information provided by the IC card service agent 10 is transferred to the railway company. If the company needs to issue a commuter pass, a screen for entering personal information will be displayed, and if the user enters the personal information requested by the railway company, the railway company will conduct the examination, and Depending on the train user, the user may be required to further input the ID, personal authentication information, etc., which have been individually issued to the user in advance by the railway company, so that the user 50 Confirm that the user is authorized to handle the application, and when the commuter pass is authorized, the terminal is sent from the railway company terminal to the terminal 11 of the IC card service agency 10 or the IC card service agency The commuter pass application entrusted to the customer side is read through the communication line 70 together with the application identifier for identifying the commuter pass application to which the IC card service agency identification code is added at the terminal 11 of the IC card service agency 10. It is stored in the writable area 61 of the IC card 60 of the user 50 via the writing terminal 52. The application storage information of the user 50 is registered in the railway company side terminal via the IC card service agency 10 and also transmitted to the IC card issuer 40.
Next, when the user 50 wants to delete the commuter pass application, the IC card 60 on which the commuter pass application is mounted is read into the writable area 61 of the IC card and read into the writing terminal 52, and the user terminal 51 is read. After connecting to the terminal 11 of the IC card service agency 10 through the communication line 70 and performing authentication, the application can be deleted by selecting the deletion of the commuter pass application on the user exclusive screen. is there. Similarly, it is also possible to check information such as the remaining period of the commuter pass on the user-dedicated screen.
The user 50 wants to delete the commuter pass application stored in the IC card 60 through the IC card service agent 20 in cooperation with the IC card service agent 10 through the IC card service agent 10. In this case, the IC card service agent terminal 11 identifies the IC card service agent identification code of the partner IC card service agent 20 storing the application recorded in the writable area 61 of the IC card 60. By doing so, the partner IC card service agent 20 is determined, and the fact that the application has been deleted is transmitted to the partner IC card service agent 20 or the user 50 is Through partner IC card service agency 20 Prompting transmitted to perform the deletion of the application. The commuter pass application deletion information of the IC card 60 of the user 50 is transmitted to the IC card issuer 40 through the IC card service agency that deleted the commuter pass application. As a result, the IC card issuer can grasp the usage status of the writable area of the IC card, and can collect a usage fee based on the occupation rate of each application provider.
[0019]
According to the above-described mechanism, the following effects can be expected in the IC card service agency system of the present invention.
1) For the IC card issuer, the user can efficiently mount a plurality of applications on one IC card, so that the convenience of the IC card is improved, and the improvement of the portable and use rate of the IC card can be expected. . In addition to the ID, personal authentication information, and other personal information issued by the IC card issuer, the IC issued by the card issuer is used each time the user uses the IC card service agency site of each IC card service agency. ID, personal authentication information, and other personal information issued by the IC card service agency that is linked to the card number, IC card issuer identification code, etc. It can be managed redundantly to increase security. In addition, the user's use status of the writable area of the IC card can be grasped, and application
It is also possible to collect usage fees according to the occupancy rate of each trader.
2) For the user, even after the IC card has been issued, one IC card can use the services of a plurality of IC card service agents and store and confirm the IC card application and personal information by operating the terminal. , Update, delete, etc.
Changes can be made and convenience is improved.
3) For the application provider, the user can easily store the application, so that the application can be expected to spread. If necessary, it is possible to determine only those satisfying the conditions and permit the handling of the application. In addition, since the provision of the application is outsourced to an IC card service agency, the application
Duties are reduced.
[Brief description of the drawings]
FIG. 1 is a schematic diagram for explaining an IC card service agency system of the present invention.
[Explanation of symbols]
10 IC card service agency
11 IC card service agency terminal
20 Partner IC card service agency
21 Partner IC card service agency terminal
30 Application Provider
31 Application provider terminal
40 IC card issuer
41 IC card issuer terminal
50 users
51 User terminal
52 read / write terminal
60 Multi-application IC card
61 Writable area
70 Communication line

Claims (6)

An application system for writing in a writable area of a multi-application IC card capable of handling a plurality of applications issued by an IC card issuer, and an agent system for personal information, etc.
The IC card service agency system,
A multi-application IC card capable of storing a plurality of applications,
An IC card issuer terminal of an IC card issuer that issues an IC card;
Owned by an IC card service agency that performs processing to display on the user terminal a screen used when a user stores an application in a writable area of an IC card issued by the IC card issuer. IC card service agency operator terminal
An application provider terminal owned by an application provider that provides an application that can be stored in a writable area of the IC card issued by the IC card issuer;
A user terminal connected to an IC card service agent terminal through a communication line;
A read / write terminal used when a user reads and writes the IC card,
When issuing an IC card, the IC card issuer associates a card number different for each IC card in advance, personal identification information such as an ID and password for identifying a user, and other necessary personal information with the IC card. Possessed by the issuer terminal,
When a user registers for the first time to use the IC card service agency site operated by the IC card service agency used for handling applications stored in the IC card, etc., the IC card service agency shall The user is required to input personal authentication information such as ID and password which the IC card issuer gives to the user in advance, and other necessary personal information, etc., connect to the IC card issuer terminal through a communication line, and issue the IC card. Checking against the personal authentication information such as ID and password stored in the user terminal and other personal information, confirming that the user is the person who issued the IC card, and permitting handling of application storage etc. A system that can enhance security by preventing the use of spoofing. 2. The IC card service agency system according to claim 1, wherein the IC card service agency issues personal authentication information such as an ID and a password when using an IC card service agency site operated by the IC card service agency and other personal information. IC card service agency business by linking the ID, personal authentication information, personal information, etc. with the IC card number issued by the IC card issuer and the IC card issuer identification code for identifying the IC card issuer User terminal, and by referring to the ID and personal information given by the card issuer to the user at the time of initial registration, confirming the user, and then registering the IC card service agency site ID and personal authentication information, etc. IC card number issued by IC card issuer and IC card issuer identification code By linking the information to the IC card service agency terminal and recording and managing it, the user can use the IC card without having to refer to the IC card issuer ID, personal information, etc. during normal use. A system that can confirm the identity of the issued person. 3. The IC card service agency system according to claim 1, wherein one of a plurality of IC card service agency operators individually assigns each of them at the time of initial registration when using the IC card service agency site for the first time. The ID of each user and other necessary personal information linked to the IC card number issued by the IC card issuer and the IC card issuer identification code, etc. are respectively written in the writable area of the user's IC card. By writing, a plurality of IC card service distributors identify IDs etc. which are individually distributed after the issuance of one IC card, so that a plurality of IC cards can be issued to the user who issued the card. A system that allows service agents to provide services. In the IC card service agency system according to claims 1, 2, and 3, the provider of the application stored in the IC card is required, for example, when only a user who satisfies a certain standard is allowed to handle the application. In this case, write the ID, personal authentication information, other personal information, etc. issued by the application provider to the user in the writable area of the IC card, or use the IC card service agency site operated by the IC card service agency By allowing the application provider to enter the ID, personal authentication information, and other personal information issued by the application provider through, the user is authenticated and the user is authorized to handle the application. A system that enables service provision after confirmation. This is a system for realizing IC card service agency between IC card service agencies that are expected to exist in plurality, and the user uses an IC card service agency site operated by the IC card service agency to make IC When an application is stored on a card, an IC card service agency business disclosed in advance among a plurality of IC card service agencies in an application identifier, personal information, and the like written in a writable area of a user's IC card together with the application. A system in which it is possible to confirm which IC card service agent stores the application by assigning a user identification code. When an application is stored in the writable area of the IC card, an IC card service agency identification code assigned to an application identifier or the like of the application arbitrarily stored in the writable area is used here. Similarly, in the writable area, a folder is provided for each IC card service agent to store an application, or a memory area is allocated to each IC card service agent to store an application, and the like. Can be realized. The system according to claim 5, wherein the user satisfies the necessary conditions with the provider of the application stored in the IC card to be used, and then the IC card service agency in advance of which the IC card service agency has cooperated. When requesting the update, deletion, or change of personal information stored in the IC card service agency site operated by the agency, the IC card service agency terminal is recorded in the writable area of the IC card. By identifying the IC card service agent business recognition code of the partner IC card service agent company that stores the application, the partner IC card service agent company is identified, and the partner IC card service agent company is identified. On the other hand, the user immediately updates or deletes the application, changes personal information, etc. Or change the application on the IC card service agency operated by the IC card service agency through the IC card service agency operated by the partner IC card service agency. System that informs and prompts users. In any case, the application change information of the user is also updated in the application provider terminal and the IC card issuer terminal through the changed IC card service agency terminal. As a result, the IC card issuer can grasp the usage status of the writable area of the IC card, and can collect a usage fee based on the occupation rate of each application provider.

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