JP2004258740A - Electronic bill settlement processing method in offline debit transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an offline debit settlement method that can complete offline debit settlement by a single personal identification number entering operation unless a condition of transaction rejection is met. <P>SOLUTION: The offline debit settlement method comprises a step of determining whether an amount of payment exceeds an amount of electronic money stored in an IC card, and if it is exceeded, selecting an electronic bill application loaded in the IC card from a store terminal, and a step of settling the transaction by communication between the selected electronic bill application and the store terminal. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic bill settlement processing method in offline debit transactions.
[0002]
[Prior art]
Conventionally, there has been proposed an off-line debit transaction method in which electronic currency is stored in a memory in an IC card and settlement is performed using the electronic currency stored in the IC card when purchasing goods at a member store or the like.
In such an off-line debit transaction method, if the payment amount for purchasing the product exceeds the amount of the electronic currency stored in the IC card, the member store terminal is automatically switched online (connected to the host computer of the financial institution and connected to the host computer). And a method of withdrawing the purchase price from the IC card owner's deposit account (online debit transaction method) has been proposed (for example, see Non-Patent Document 1).
[0003]
[Non-patent document 1]
EMV2000 [Searched February 1, 2001] (http://www.emvco.com/specifications.cfm)
[0004]
FIG. 5 is a processing flowchart showing the exchange between the IC card and the member store terminal in the conventional offline debit transaction method.
When attempting to purchase a product by offline debit, the card holder inserts the IC card 1 equipped with the offline debit application and the electronic bill application into the member store terminal 2. In practice, the card holder does not insert the IC card 1 directly to the member store clerk, and the member store clerk inserts the IC card 1 into the member store terminal 2.
The member store clerk inputs the transaction amount to be paid by the cardholder from the keypad of the member store terminal 2.
The member store terminal 2 issues an offline debit application selection command (SELECT command) to the IC card 1, and selects an application. In response to this, the IC card 1 transmits the application and data (application data) of the offline debit to the member store terminal 2. This data includes information such as an account number and an off-line debit balance stored in the IC card.
[0005]
The member store terminal 2 performs data authentication on the IC card 1, checks that the IC card 1 is not a counterfeit card, and confirms the validity of data transmitted from now on.
If the validity of the data can be confirmed, the member store terminal 2 requests the card holder to input a personal identification number (PIN). The card holder inputs the personal identification number from the keypad of the member store terminal 2. The member store terminal 2 transmits a verification key to the IC card 1 by a VERIFY command. The IC card 1 compares the collation keys, and responds to the member store terminal 2 to the effect that the check was successful. Note that, depending on the specifications of the offline debit, if the transaction amount is within a certain amount, the input of the password and the verification may be omitted.
[0006]
The IC card 1 requests the member store terminal 2 to perform a terminal action analysis. Terminal action analysis includes insufficient storage balance, floor limit check (check if the usage limit is exceeded), random transaction selection (even if the usage amount is below the floor limit, online with a certain probability), etc. This is the process of analyzing.
As a result, if it is determined that the transaction with offline debit is possible, the member store terminal 2 transmits an offline approval response to the IC card 1 and converts the electronic currency corresponding to the transaction amount from the electronic currency stored in the IC card 1. Debit and complete the payment.
[0007]
FIG. 6 is a flowchart showing a terminal action analysis process performed in a member store terminal in a conventional offline debit transaction.
First, the off-line debit application of the IC card checks whether there is a condition for rejecting the transaction without connecting online (step 601), and if there is such a condition, the IAC-Denial (Issuer Action Code). : The corresponding bit of the issuer action code (bit string indicating transaction refusal) is set to ON = "1". The conditions for turning ON include, for example, a case where the IC card is blocked (the card itself stops being used) and a case where the offline debit application is blocked. In the case of an off-line debit application, the conditions for turning on these bits are set by the card issuing financial institution.
If there is no condition for turning ON, the member store terminal treats all bits as "0" as a default value of IAC-Denial (step 602).
[0008]
On the other hand, distribution terminals (CAT / CCT, POS, etc.) have TAC-Denial (Terminal Action Code: a bit string indicating refusal of transaction of terminal action code), and online financial institutions, information processing centers, etc. request online connection. The bit corresponding to the condition for rejecting the transaction without performing is set to ON.
After receiving the IAC-Denial bit string from the IC card, it is determined whether or not a condition for rejecting the transaction is set in the TAC-Denial (step 603). If not set, all bits are set to "TAC-Denial default value". Treated as "0" (step 604).
However, if the conditions for rejecting the transaction are set, the member store terminal compares its own TAC-Denial with the IAC-Denial received from the IC card, and both corresponding bits are set. It is determined whether there is a condition that is ON (step 605).
[0009]
If there is such a condition that both of the corresponding bits are ON, AAC (transaction refusal) is transmitted to the IC card so as to interrupt the processing (step 606), and the processing is also stopped on the IC card side. , To end.
If the transaction is not rejected as a result of the matching between the IAC-Denial and the TAC-Denial, the offline debit application of the IC card checks whether there is any condition that requires an online connection (step 607). If there is, the corresponding bit of IAC-Online (a bit string indicating a condition for the transaction of the issuer action code to shift to online connection) is turned ON. The conditions for turning ON include, for example, that the transaction amount exceeds the offline usage limit (floor limit check), that offline settlement is continued for a certain number of times or more (velocity checking), and that a certain probability is set by random numbers. And the transaction goes online (random transaction selection). In the case of an off-line debit application, the conditions for turning on these bits are set by the card issuing financial institution.
[0010]
If there is no condition to turn ON, the member store terminal treats all bits as "0" as a default value of IAC-Denial (step 608).
On the other hand, as in the case of the transaction refusal, the member store terminal has TAC-Online (Terminal Action Code: a bit string indicating a condition for transition of terminal action code transaction to online connection), A bit corresponding to a condition for switching a request to online connection is set to ON at an information processing center or the like.
[0011]
After receiving the IAC-Online bit string from the IC card, the terminal determines whether or not the condition for shifting to the online connection is set in the TAC-Online (step 609). If not, the terminal sets the TAC-Online default value as the TAC-Online default value. The bit is treated as "0" (step 610).
However, when the condition for shifting to the online connection is set, the member store terminal compares the bit string of the TAC-Online held by itself with the bit string of the IAC-Online received from the IC card, and determines the corresponding bit. It is determined whether or not there is a condition that both of them are ON (step 611). If there is, the ARQC (online transaction) is interrupted by interrupting the offline debit processing and switching to the online debit connection. , The offline debit processing is also stopped on the IC card side, and the processing is continued by the online debit application.
[0012]
If the result of the match between the IAC-Denial and the TAC-Denial does not result in AAC (transaction refusal), and the result of the match between the IAC-Online and the TAC-Online does not result in an ARQC (online transaction), the TC (Transaction Certificate) : Offline approval) to the IC card, and the IC card side continues the offline debit application processing to complete the settlement.
[0013]
[Problems to be solved by the invention]
In the conventional offline debit transaction processing method described above, when the charge balance of the electronic currency stored in the IC card is insufficient, floor limit check, random transaction selection check (exceeding the offline use limit amount) In such a case, it is necessary to request the online merchant terminal to perform online debit processing again from the beginning.
However, when switching to online debit processing, the communication time required for online debit processing is increased, and the owner of the IC card is required to re-enter the password, and the IC card owner is debited twice. There is a problem that a misunderstanding as if we were given is given and the reliability of the system is impaired.
[0014]
Here, when there is no balance in the account of the financial institution itself, for example, a method using an electronic bill as proposed in Japanese Patent Application Laid-Open No. 2000-113089 (FIGS. 5, 7, and 10) can be considered. However, as a debit transaction, it is necessary to redo the settlement with the electronic bill from the beginning as a transaction refusal, so it is necessary to re-enter the password as in the above case, as if double deduction was performed Misunderstanding.
[0015]
An object of the present invention is to provide an off-line debit payment method capable of completing an off-line debit payment by one password input operation unless there is a condition corresponding to transaction refusal.
[0016]
[Means for Solving the Problems]
In order to achieve the above object, the present invention determines whether the payment price exceeds the amount of the electronic currency stored in the IC card, and if the payment price exceeds the electronic currency, the electronic money installed in the IC card is determined. The method includes a step of selecting a bill application from a store terminal and a step of performing transaction settlement by communication between the selected electronic bill application and the store terminal.
[0017]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be specifically described with reference to the drawings. FIG. 1 is a diagram showing an embodiment of an offline debit settlement method according to the present invention. In a member store (a member store that handles offline debit transactions), a transaction (purchase of goods) is performed using an electronic bill. It shows the flow of processing in the case.
In this embodiment, a card holder 5 owns an IC card 1 on which an offline debit application 7 and an electronic bill application 9 are mounted.
When purchasing a product by offline debit, the card holder 5 inserts the IC card 1 equipped with the offline debit application 7 and the electronic bill application 9 into the member store terminal 2 (step 101). In practice, the card holder 5 does not insert the IC card 1 directly to the member store clerk 6, but the member store clerk 6 inserts the IC card 1 into the member store terminal 2.
[0018]
The member store clerk 6 inputs the transaction amount to be paid from the cardholder 5 from the keypad of the member store terminal 2 (step 102).
The member store terminal 2 issues a SELECT command for selecting the off-line debit application 7 to the IC card 1 (step 103). The application 7 and the data 8 are transmitted (steps 104 and 105). The data 8 includes information such as an account number and an off-line debit balance charged in the IC card.
[0019]
Next, the member store terminal 2 performs data authentication on the IC card 1 (step 106), checks that the IC card 1 is not a counterfeit card, and confirms the validity of the data 8 transmitted from now on.
If the validity of the data is confirmed, the member store terminal 2 next requests the input of a personal identification number, and causes the card holder 5 to input the personal identification number from the keypad of the member store terminal 2 (step 107). . The member store terminal 2 transmits a verification key to the IC card 1 by a VERIFY command, and causes the IC card 1 to verify the password (step 108). If the password is correct, the IC card 1 responds to the member store terminal 2 as a response to the effect that the check was successful (step 109). Note that, depending on the specifications of the offline debit, if the transaction amount is within a certain amount, the input and verification of the personal identification number may be omitted.
[0020]
The IC card 1 requests the member store terminal 2 to perform a terminal action analysis (step 110). If the member store terminal 2 determines that offline debit transactions are possible, it continues the subsequent offline debit transactions.
However, if it is determined that the transaction as offline debit is impossible, the member store terminal 2 suspends the offline debit application 7 and issues a SELECT command for selecting the electronic bill application 9 (step 111).
[0021]
In response, the IC card 1 transmits the electronic bill application 9 and the data 10 to the member store terminal 2 (steps 114 and 115). The data 10 includes information such as an account number and an electronic signature. In addition, even if the electronic bill application 9 exists in the IC card 1, if the consent of the card holder 5 is required as an option of the application 9, the fact is displayed on the member store terminal 2, The member store clerk 6 requests the cardholder 5 to input the consent (step 112). If consent is required, the cardholder 5 inputs from the keypad of the affiliated store terminal 2 that the transaction is approved by electronic bill (step 116).
Upon receipt of the electronic bill application 9 and the data 10, the member store terminal 2 checks settlement information in the electronic bill and outputs a history of successful transactions by the electronic bill to the electronic bill application 9 in the IC bank card 1. Then, the receipt 11 is printed (step 116).
[0022]
The member store clerk 6 returns the receipt 11 printed with the IC card 1 to the card holder 5 (steps 117 and 118).
The transaction information is obtained by editing the information such as the transaction amount, the transaction time, the account information and the electronic signature acquired from the electronic bill data 10 by the member store terminal 6 and transmitting the data as a transmission data 3 to the financial institution by a method such as night batch. The information is sent to the host (step 119).
Thereby, at the time of the transaction, the transaction can be performed without performing the online communication.
[0023]
FIG. 2 is a flowchart showing a terminal action analysis process in an offline debit transaction process using an electronic bill.
2 differs from the conventional method of FIG. 6 in that the bit strings of the IAC-Online and the TAC-Online are compared, and if there is a condition that both corresponding bits are ON, the offline method is performed. The debit processing is temporarily interrupted, an electronic bill application is selected, and the electronic bill application completes the settlement. This processing is performed in steps 214, 215, and 217 that branch from step 211. Steps 201 to 213 other than these steps are the same as steps 601 to 613 (excluding 612) in FIG.
[0024]
In FIG. 2, if the transaction is not rejected as a result of matching between the IAC-Denial and the TAC-Denial, the offline debit application 7 of the IC card 1 checks whether there is a condition that requires an online connection, and If there is such a condition, the corresponding bit of IAC-Online is turned ON.
After receiving the IAC-Online bit string from the IC card, the member store terminal 2 checks with its own TAC-Online, and there is a condition that both corresponding bits are ON. In this case, the offline debit processing is temporarily suspended. At this time, the member store terminal 2 issues an application selection command (SELECT) to acquire the electronic bill application 9 (step 214), checks whether the electronic bill application 9 exists in the IC card 1, and checks the electronic application 9 If exists, the processing is switched to the electronic bill application 9 (step 217), and the IC card 1 is requested to make a payment. If the electronic bill application 9 does not exist, or if the electronic bill application 9 cannot be used, the response code is returned from the IC card 1 as a code other than '9000 or' 61xx '. Immediate settlement by online debit is attempted (steps 215 and 216).
[0025]
By the way, there is a possibility that an IC card without an electronic bill application is presented to the member store terminal 2 or an IC card with a plurality of electronic bill applications is presented. It is necessary to refuse payment by an electronic bill for an IC card that does not have an electronic bill application. Further, for an IC card equipped with a plurality of electronic bill applications, it is necessary to determine which electronic bill application to use.
FIG. 3 is a flowchart showing a process of determining the electronic bill line application in the IC card at the member store terminal 2.
First, the member store terminal 2 creates a list of electronic bill applications installed in the IC card 1 as a list of executable applications (step 301).
Specifically, a SELECT command is issued using an AID (Application Identifier: application identifier) of the electronic bill application as a key. The IC card 1 returns FCI (file control information) and a response code as a response to the SELECT command. If the command response code is “9000” (normal end) or “61xx” (normal end, lower byte xx indicates the number of bytes of response data), the member store terminal 2 selects the ADF and the ADF selected from the IC card 1. The DF (Dedicated File: dedicated file) name (ADF Name) in the FCI of (Application Data File: application application file) is compared to check whether there are a plurality of electronic bill applications corresponding to the terminal-side AID. If the AID of the member store terminal 2 and the ADF Name match and have the same length, no other electronic bill application exists on the IC card 1. However, if the ADF Name is longer than the AID of the terminal and matches up to the last character of the AID, there may be a plurality of electronic bill applications with the same AID in the IC card 1, so other candidate electronic bills may be present. A SELECT command is issued again to confirm that there is no application, and all the electronic bill application candidates in the IC card 1 are created and registered as a candidate list.
[0026]
Next, the number of electronic bill applications in the created candidate list is obtained, and the number is determined (steps 302 and 303). If no electronic bill application is registered in the candidate list, the electronic bill application 9 is not present in the IC card 1 and settlement by electronic bill is impossible, so the settlement process by electronic bill is stopped. (Step 304), the process proceeds to online debit payment.
If there is only one candidate for the electronic bill application in the candidate list, reference is made to bit 8 of the Application Priority Indicator in the FCI template (step 305), and it is checked whether or not the consent of the card holder is necessary. If Bit 8 is set to "1" and the consent of the card holder is required, the consent of the card holder 5 is input from the member store terminal 2 (step 306). If the consent of the cardholder 5 has not been input, the processing is stopped.
[0027]
If there is only one candidate for the electronic bill application and Bit 8 is “0” or there is consent from the cardholder, it is determined whether the ADF Name of the FCI matches the AID (step 307). Determines that the electronic bill application completely matches the requested application, and ends the process. If they do not match (the ADF Name is longer than the AID of the terminal and matches up to the last character of the AID), the candidate ADF Name of the application is acquired (step 308), and the electronic bill acquired in the data name (file name) is acquired. The ADF of the application is set (step 309), and this is set as a key, and a SELECT command is issued again (step 310).
[0028]
On the other hand, if bit 8 of the Application Priority Indicator is “0” (can be used without the consent of the cardholder) or “1” and the consent of the cardholder is input, the electronic bill application is selected. . In the case of an electronic bill application, this bit is desirably "1" (consent of the card holder is required).
[0029]
If a plurality of electronic bill applications are present in the candidate list, the member store terminal 2 displays a list of electronic bill applications to the cardholder 5. In this case, if the priority is set in the Application Priority Indicator of each electronic bill application, it is displayed accordingly (steps 312 and 314). If the priority is not set, they are displayed in the search order (steps 312 and 313). The cardholder 5 selects the electronic bill application to be used for the current settlement from the displayed list (step 315).
The candidate list may not be displayed because the member store terminal 2 does not have a function of displaying the candidate list. In that case, the electronic bill application having the highest priority is selected by referring to the Application Priority Indicator. However, if bit 8 of the Application Priority Indicator of the selected electronic bill application is “1”, the consent of the cardholder is required.
[0030]
When the target electronic bill application is determined, the AID of the electronic bill application is set to KEY and a SELECT command is issued again (step 310). If the AID of the member store terminal and the ADF Name match and the contents acquired at the time of creating the candidate list are guaranteed, it is not necessary to issue the SELECT command again. If the SELECT command has failed (response code other than '9000' and '61xx' from the IC card) (step 311), the corresponding entry is deleted from the candidate list (step 316), and the electronic bill application is deleted from the candidate list. Decision is made again.
[0031]
FIG. 4 is a diagram showing an example of the transfer of funds in an offline debit transaction using an electronic bill.
The merchant terminal 2 first attempts to make a payment by offline debit using the IC card 1 equipped with an offline debit application and an electronic bill application, but if immediate debit by offline debit is impossible due to insufficient balance or the like, FIG. The electronic bill application is switched to the electronic bill application by the processing as shown, and the processing is continued to complete the sale of the commodity.
The merchant terminal 2 stores transaction data 3 in the form of electronic bills (subscriber account number, settlement amount, settlement date, electronic bill signature, etc.). The transaction data 3 stored in the member store terminal 2 is transmitted to the financial institution host 4 by batch processing, and notifies the financial institution that the settlement has been made by the electronic bill.
[0032]
The financial institution host 4 performs the following fund transfer on a settlement date predetermined by an electronic bill based on the transaction data 3 notified from the member store terminal 2.
(1) Withdraw the amount obtained by adding the usage fee of the electronic bill to the transaction amount from the financial institution account 40 of the cardholder 5.
(2) Deposit into the account 41 of the member store by subtracting the member store fee from the transaction amount.
Completion of this fund transfer completes settlement for one transaction.
[0033]
【The invention's effect】
As described above, according to the present invention, even if the payment cannot be made by offline debit, for the cardholder, not only immediate debit from the account by online debit, but also payment by electronic bill can be performed. It becomes possible, the options of debit means increase, and convenience improves.
In addition, even if offline debit cannot be used, cardholders who can use the electronic bill application can make payments without using online debit, even if offline debit cannot be used. Can be completed, so that the communication time can be reduced. Further, even in a situation where online debit cannot be used due to a line failure or the like, settlement by electronic bill is possible. In particular, even if the balance in the IC card is insufficient, only one password input operation is required, so that the time required for settlement is reduced, and it is as if a double debit as in the past was performed. Misunderstanding does not occur, and the reliability of the system can be improved.
[Brief description of the drawings]
FIG. 1 is a diagram showing an embodiment of a settlement method using an electronic bill according to the present invention.
FIG. 2 is a flowchart showing processing in a member store terminal.
FIG. 3 is a flowchart showing a process of selecting an electronic bill application in a member store terminal.
FIG. 4 is a diagram illustrating an example of fund transfer in an off-line debit transaction using an electronic bill.
FIG. 5 is a diagram showing processing in a conventional offline debit transaction.
FIG. 6 is a flowchart showing a process at a member store terminal in a conventional offline debit transaction.
[Explanation of symbols]
1 ... IC card, 2 ... Merchant terminal, 3 ... Transaction data, 4 ... Financial institution host, 5 ... Card holder, 7 ... Offline debit application, 9 ... Electronic bill application.

Claims (1)

A settlement method in an off-line debit transaction for performing transaction settlement using an electronic currency stored in an IC card,
Determining whether the payment price exceeds the amount of the electronic currency stored in the IC card, and if so, selecting an electronic bill application installed in the IC card from the store terminal;
An electronic bill settlement processing method in an offline debit transaction, comprising: performing a transaction settlement by communication between a selected electronic bill application and a store terminal.

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