JP2005031739A - Signature authenticating method and system and pen type electronic device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To execute proper signature authentication processing. <P>SOLUTION: This signature authenticating method is executed in a system configured of pen type electronic device, an IC card, terminal device and a server computer, wherein at least any device is provided with a definition table where the validity decision destinations of pattern data and handwriting information applied to a signature entry part by using the pen type electronic device are at least specified. This signature authenticating method comprises a step for making the pen type electronic device acquire the pattern data and handwriting information applied to the signature entry part when a user signs his or her name at the signature entry part, a step for making the device set in the definition table as the validity decision destination of the pattern data decide the validity of the pattern data and a step for making the device set in the definition table as the validity decision destination of the handwriting information decide the validity of the handwriting information. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
[Technical field to which the invention belongs]
The present invention relates to a pen-type electronic device and a signature authentication process using the pen-type electronic device.
[0002]
[Prior art]
Conventionally, in a transaction using a credit card, signature verification has been performed by, for example, a store clerk visually checking the signature of the card that has been filled in beforehand by the user and the signature that has been filled in the usage statement. . In order to enhance security, for example, combined use of a signature and a personal identification number (PIN), biometric authentication such as a fingerprint, a voiceprint, and an iris (eye iris) has been devised.
[0003]
On the other hand, there is a technique for electronically reading a user's signature without relying on visual observation. For example, there is a technique for determining and reading the absolute position of handwritten text and images using a sheet on which a position encoding pattern has been applied (see, for example, Patent Document 1). That is, a method for electronically recording information from an information carrier, the step of arranging a position coding pattern and an information carrier so that they overlap, and the information on the information carrier and the position coding pattern, Imaging with the support of a plurality of partial images, and using a position-coding pattern to integrate the partial images into a composite image of the imaging information.
[0004]
[Patent Document 1]
Special table 2003-503905 gazette
[0005]
[Problems to be solved by the invention]
However, there are various problems with the authentication technology as described above. First, since the objective judgment is not made in the authentication by visually observing the signature, unauthorized use is easy by imitating the signature. It is also difficult to detect unauthorized use using counterfeit cards. In addition, when the PIN is used together or independently, the PIN may be stolen or illegally used by analogy, and the PIN may be forgotten. In addition, biometric authentication requires registration of the user's physical information, leaving a humanitarian problem.
[0006]
Accordingly, an object of the present invention is to provide a novel technique for enabling appropriate signature authentication using the technique shown in Patent Document 1 above.
[0007]
[Means for Solving the Problems]
The signature authentication method according to the present invention comprises a pen-type electronic device, an IC card, a terminal device, and a server computer, and the validity of the pattern data applied to the signature entry unit written using the pen-type electronic device. A definition table in which at least a sex determination destination and a legitimacy determination destination of handwriting information are defined is implemented in a system including at least one of a pen-type electronic device, an IC card, a terminal device, and a server computer, and a user When a signature is entered in the signature entry unit, the pen-type electronic device detects the pattern data applied to the signature entry unit, stores it in the pattern data storage unit, obtains the handwriting information, and acquires the handwriting information storage unit. And a pen-type electronic device, an IC card, a terminal device, a server, A pen type electronic device that is set in the definition table as a pattern determination step for determining the validity of the pattern data stored in the pattern data storage unit and the validity determination destination of the handwriting information. Any one of the device, the IC card, the terminal device, and the server computer includes a handwriting determination step of determining the validity of the handwriting information stored in the handwriting information storage unit.
[0008]
That is, any device (including a card and a device) constituting the system determines the validity of the pattern data and handwriting information of the signature entry unit read by the pen-type electronic device. Note that which device performs the determination processing depends on the data set in the definition table. In this way, by determining the validity of the pattern data and handwriting information in the signature entry section, it is possible to confirm whether or not the formal signature has been made at the official signature entry location. In addition, for example, the system administrator can set and change the device that performs the determination process according to the form of use by setting and changing the definition table.
[0009]
Further, in the above definition table, at least one of a pen-type electronic device, an IC card, a terminal device, and a server computer may be set as a storage destination of pattern data validity criterion data. Good.
[0010]
As a result, for example, the system administrator can select a device that performs pattern data validity judgment processing and a device that stores pattern data validity judgment reference data in accordance with the form of use. Settings can be made differently.
[0011]
In the pattern determination step, the validity of the pattern data may be determined using data stored in the storage location of the determination reference data. For example, a device that performs pattern data validity determination processing receives determination reference data from a device that is a storage destination of determination reference data, and collates the read pattern data.
[0012]
In the definition table, at least one of a pen-type electronic device, an IC card, and a server computer may be set as a storage location of reference handwriting information that is a criterion for determining the validity of handwriting information. Good.
[0013]
As a result, for example, the system administrator seems to be different in the device that performs the legitimacy determination process of handwriting information and the device that stores the judgment reference data of the legitimacy of handwriting information in accordance with the mode of use. Can be set. Of the devices constituting the system, the terminal device is not set as the storage location of the criterion data for determining the validity of the handwriting information. This is because there are a wide variety of situations where users use IC cards. For example, storing personal data of a user in one of the terminal devices in each store requires an inquiry process at the time of use. This is because it is not appropriate.
[0014]
The signature entry unit may be provided in at least one of an IC card and a statement of settlement using the IC card. That is, when the user signs the IC card or signs the usage statement, the validity of the signature entry unit is determined. Thereby, for example, it is possible to prevent the use of a counterfeit card in which pattern data is not applied to the signature entry part.
[0015]
Further, a step of determining whether or not the reference handwriting information corresponding to the user is stored in the storage location of the reference handwriting information, and when it is determined that the reference handwriting information corresponding to the user is not stored in the storage location of the reference handwriting information The terminal device may further include a step of prompting the user's signature to the signature entry unit provided in the IC card. Thereby, when the reference handwriting information corresponding to the user is not stored in the storage location of the reference handwriting information, that is, when the handwriting information is not initially registered, the user can be prompted to perform the initial registration.
[0016]
Also, when the user signs the signature entry section provided on the IC card, the pen-type electronic device detects the pattern data applied to the signature entry section, stores it in the card pattern storage section, and the handwriting A step of acquiring information and storing it in the card handwriting storage unit, and a card pattern validity determining step in which the validity determination destination of the pattern data determines the validity of the pattern data stored in the card / pattern storage unit And a step of storing the data stored in the card handwriting storage unit in the storage location of the reference handwriting information as the reference handwriting information corresponding to the user when it is determined that the card pattern is correct in the card pattern correctness determining step. Further, it may be included.
[0017]
Thereby, when the user signs the signature entry part of the IC card to which the valid pattern data is applied, the handwriting information of the signature is stored in the storage location of the reference handwriting information as the reference handwriting information corresponding to the user. . That is, initial registration is performed.
[0018]
In the handwriting determination step, the legitimacy of the handwriting information may be determined using data stored in the storage location of the reference handwriting information. For example, a device that performs a process for determining the legitimacy of handwriting information receives reference handwriting information from a device that stores reference handwriting information corresponding to the user, and collates the read handwriting information.
[0019]
Further, when it is determined that both the pattern determination step and the handwriting determination step are valid, the method may further include a step of transmitting settlement information from the terminal device to the server computer. As a result, it is possible to proceed to the settlement process only after the correct signature is made at the correct entry place.
[0020]
The signature authentication system according to the present invention is composed of a pen-type electronic device, an IC card, a terminal device, and a server computer, and the validity of the pattern data applied to the signature entry unit written by the pen-type electronic device. At least one of a pen-type electronic device, an IC card, a terminal device, and a server computer is provided with a definition table that defines at least a sex judgment destination and a legitimacy judgment destination of handwriting information. Then, when the pen-type electronic device has signed the signature entry unit, the pattern data applied to the signature entry unit is detected and stored in the pattern data storage unit, and the handwriting information is acquired and the handwriting is obtained. One of a pen-type electronic device, an IC card, a terminal device, and a server computer that has means for storing in an information storage unit and is set in the definition table as a pattern data validity judgment destination is a pattern A pen-type electronic device, an IC card, a terminal device, and a server having means for determining the validity of the pattern data stored in the data storage unit and set in the definition table as a validity determination destination of handwriting information One of the computers has means for determining the validity of the handwriting information stored in the handwriting information storage unit.
[0021]
In addition, when the pen-type electronic device according to the present invention uses the pen-type electronic device to sign the signature entry unit, the pen-type electronic device detects the pattern data applied to the signature entry unit and stores the pattern data. And a means for storing the data in the pattern data storage and a means for determining the validity of the pattern data stored in the pattern data memory.
[0022]
The pen-type electronic device has a means for acquiring handwriting information and storing it in the handwriting information storage unit when the user signs the signature entry unit using the pen-type electronic device; There may be a means for determining the validity of the stored handwriting information.
[0023]
The pen-type electronic device further includes means for transmitting at least one of the pattern data validity determination result and the handwriting information validity determination result to a terminal device having means for displaying the determination result. May have.
[0024]
In addition, when the pen-type electronic device according to the present invention uses the pen-type electronic device to sign the signature entry unit, the pen-type electronic device acquires handwriting information and stores it in the handwriting information storage unit, and the handwriting information And means for determining the validity of the handwriting information stored in the storage unit.
[0025]
It is also possible to generate a program to be executed by each device constituting the system according to the present invention, and the program is stored in, for example, a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory, a hard disk, etc. Stored in a medium or storage device. Moreover, it may be distributed as a digital signal via a network. Note that data being processed is temporarily stored in the memory of each device.
[0026]
DETAILED DESCRIPTION OF THE INVENTION
A system configuration diagram according to an embodiment of the present invention is shown in FIG. For example, a host computer 5 and one or a plurality of settlement terminals 3 are connected to the network 1 which is a dedicated network of the present system by wireless or wired. Further, one or more pen-type electronic devices 21 are connected to the payment terminal 3 by, for example, wirelessly.
[0027]
The host computer 5 includes a control unit 501, a memory 503, a terminal communication unit 505, a permission information storage unit 507, and a flag information table 509. The host computer 5 manages a transaction information database (DB) 511 and a customer DB 513.
[0028]
Details of the processing of the control unit 501 will be described in the description of the processing flow. The memory 503 temporarily stores data being processed. The terminal communication unit 505 is an interface for performing communication with the settlement terminal 3 via the network 1. The permission information storage unit 507 stores reference data for determining the validity of the pattern data applied to the signature entry unit. Depending on the setting of the flag information table 509, data may not be stored. Details of the flag information table 509, the transaction information database (DB) 511, and the customer DB 513 will be described later.
[0029]
The payment terminal 3 includes a memory 301, a control unit 303, a flag information table 305, a host communication unit 307, a permission information storage unit 309, and a pen information communication unit 311. Further, a display device 313, a printer 315, and an IC card reader / writer 317 are connected to the settlement terminal 3.
[0030]
The memory 301 temporarily stores data being processed. Details of the processing of the control unit 303 will be described in the description of the processing flow. The host communication unit 307 is an interface for communicating with the host computer 5 via the network 1. The permission information storage unit 309 stores reference data for determining the validity of the pattern data applied to the signature entry unit. Depending on the setting of the flag information table 305, data may not be stored. The pen information communication unit 311 is an interface for performing communication with the pen-type electronic device 21 by wireless, for example. In the present embodiment, a configuration conforming to the bluetooth (Bluetooth: short-range wireless transmission technology. For details, refer to http://www.bluetooth.com/) standard is employed. This is because it is preferable from the viewpoint of complicated connection and handling of the cord. Details of the flag information table 305 will be described later.
[0031]
The display device 313 is a general monitor that displays transaction contents, processing results, messages, and the like. The printer 315 is a printer device dedicated to settlement, for example, and outputs a usage statement 9. The usage statement 9 includes a printing unit 901 and a signature entry unit 903. Although not shown, transaction contents and the like are printed on the printing unit 901. The signature entry unit 903 is a signature entry unit to which predetermined pattern data is applied, and the user signs the signature entry unit 903 using the pen-type electronic device 21.
[0032]
The IC card reader / writer 317 is a data reading / writing device for a contact or non-contact type IC card. When, for example, the IC card 7 is set in the IC card reader / writer 317, the settlement terminal 3 can read and write data stored in the storage device of the IC card 7.
[0033]
The IC card 7 is, for example, a credit card. The IC card 7 includes a communication unit 701, a control unit 703, a data storage unit 705, a sign entry unit 707, and a flag information table 709. The communication unit 701 is an interface for communicating with a payment terminal via the IC card reader / writer 317. Details of the processing of the control unit 703 will be described in the description of the processing flow. The data storage unit 705 stores data related to the IC card such as a card number and an expiration date. Also, depending on the setting of the flag information table 709, reference data for determining the validity of the pattern data applied to the signature entry unit and user's reference handwriting information are stored. Details of the flag information table 709 will be described later. The signature entry unit 707 is a signature entry unit to which predetermined pattern data is applied, and the user signs the signature entry unit 707 using the pen-type electronic device 21.
[0034]
FIG. 2 shows a functional block diagram of the pen-type electronic device 21. The pen-type electronic device 21 includes a temporary storage memory unit 211, a handwriting storage memory unit 213, a permission information storage unit 215, a flag information table 217, a control unit 219, a reading unit 221, a writing unit 223, a communication unit 225, and a power supply unit 227. And are included. The temporary storage memory unit 211 temporarily stores data being processed. For example, the pattern data and handwriting information read by the reading unit 221 are stored.
[0035]
The handwriting storage memory unit 213 stores the user's reference handwriting information according to the setting of the flag information table 217. The permission information storage unit 215 stores reference data for determining the validity of the pattern data applied to the signature entry unit according to the setting of the flag information table 217. Details of the flag information table 217 will be described later. Details of the processing of the control unit 219 will be described in the description of the processing flow. The reading unit 221 includes, for example, a small camera, a writing pressure sensor, and a coordinate calculation processor, and acquires pattern data and handwriting information. The handwriting information includes time data, and the reading unit 221 can measure time using a system clock or the like.
[0036]
The writing unit 223 is, for example, ink and a nib, and enables actual drawing. The communication unit 225 is an interface for performing communication with the settlement terminal 3 by radio, for example. Similar to the pen information communication unit 311 of the payment terminal 3, it has a configuration according to the Bluetooth standard. The power supply unit 227 is a power supply device such as a power adapter or a battery.
[0037]
FIG. 3 shows an example of the configuration of the flag information table and stored data. In the present embodiment, the host computer 5, the payment terminal 3, the IC card 7, and the pen-type electronic device 21 each have a flag information table, but at least one of them may be included. The flag information table 509 (FIG. 1), the flag information table 305 (FIG. 1), the flag information table 709 (FIG. 1), and the flag information table 217 (FIG. 2) have the same table configuration and the same data. Is registered.
[0038]
The flag information table in FIG. 3 includes an element column 300, a permission information holding destination column 302, a handwriting information holding destination column 304, a writing medium validity determining destination column 306, and a handwriting validity determining operation. The previous column 308 is included. In the element column 300, devices constituting the system are registered. The permission information holding destination column 302, the handwriting information holding destination column 304, the writing medium validity determination destination column 306, and the handwriting validity determination destination column 308 are “ON”, which means that they are applicable. "Or" OFF "meaning not applicable is registered. Note that a display of “−” indicates that there is no setting.
[0039]
In the permission information holding column 302, “ON” is registered in the record (row) of the apparatus in which the reference data for determining the validity of the pattern data applied to the signature entry unit is stored. . In the example of FIG. 3, the record of the host computer 5 on the first line is “ON”, and the validity of the pattern data applied to the signature entry unit in the permission information storage unit 507 of the host computer 5 is confirmed. It is shown that the reference data for determining is stored.
[0040]
Similarly, in the handwriting information storage destination column 304, “ON” is registered in the record of the device in which the user's reference handwriting information is stored or should be stored. Further, in the column 306 of the validity judgment destination of the writing medium, “ON” is registered in the record of the device for judging the validity of the pattern data applied to the signature entry unit, and the column of the handwriting validity judgment destination In 308, “ON” is registered in the record of the apparatus for determining the validity of the handwriting information.
[0041]
In addition, from the viewpoint of data communication and the like, since it is common that the device that performs the determination process is set to store the data to be used (data used as a reference for the determination), the flag information table is permitted. The information holding column 302 and the handwriting information holding column 304 may not be included.
[0042]
FIG. 4 shows an example of the table configuration of the customer DB 513 and stored data. In the example of FIG. 4, a card number column 400, a registered handwriting data column 402, a customer name column 404, a customer address column 406, an expiration date column 408, a status column 410, and an application form handwriting data column 412. And are included. In addition, although not shown in the figure, there may be included a column for storing data relating to a credit card and settlement using the credit card, such as a card type, a credit limit, a payment date, and a remaining credit amount.
[0043]
The same data is registered in the registered handwriting data column 402 and the application handwriting data column 412, but the registered handwriting data column 402 has a signature handwritten by the user at the time of initial registration. Information is registered, and in the column 412 of application form handwriting data, handwriting information of a signature made by the user at the time of application for card issuance is registered.
[0044]
Also, in the status column 410, “usable” is normally registered, but the card has expired, the usage amount has reached the limit, or an illegal signature has been made Are registered as “unusable”.
[0045]
FIG. 5 shows an example of the table configuration of the transaction information DB 511 and stored data. The example of FIG. 5 includes a transaction number column 550, a card number column 552, a usage amount column 554, and a usage store ID column 556. In addition, although not shown, a column for storing data relating to a settlement transaction such as a use date and the number of payments may be included.
[0046]
Next, an outline of the sign entry unit will be described with reference to FIG. In this embodiment, the signature entry unit includes a signature entry unit 707 of the IC card 7 and a signature entry unit 903 of the usage statement 9, both of which have similar pattern data. The outline diagram shown in FIG. 6 includes, for example, a handwritten character 600 “A”, a grid line 610 (not printed on an actual sign entry portion), and a dot pattern 620. In the present embodiment, different dot patterns are used for the sign entry unit 707 of the IC card 7 and the sign entry unit 903 of the usage statement 9, but they may be unified within the system. However, it may be different for each user.
[0047]
The dot pattern 620 is a collection of dots set based on a predetermined mathematical pattern, with a slight shift from the intersection of the grid lines 610. The combinations of deviations of the dots are all different for each predetermined area, and the coordinates of the sign can be calculated by identifying the combinations.
[0048]
For example, when a user signs a signature entry unit using the pen-type electronic device 21, the reading unit 221 (FIG. 2) of the pen-type electronic device 21 captures a dot with a camera function, identifies the dot pattern, and temporarily The data is recorded in the storage memory unit 213 (FIG. 2). At that time, the reading unit 221 (FIG. 2) of the pen-type electronic device 21 recognizes the position of the pen tip from the dot pattern, and the time data and the pressure data are combined with this position data to temporarily store the handwriting information. It records in the part 211 (FIG. 2).
[0049]
In the present embodiment, the technique shown in Patent Document 1 is used as a method for obtaining the dot pattern data of the sign entry unit and the handwriting information of the user's signature, and is not the gist of the present invention. Therefore, no further details will be given here.
[0050]
Next, processing contents of the system shown in FIG. 1 will be described with reference to FIGS. First, as a premise process, the control unit 501 of the host computer 5 accepts input of credit card application data, for example, according to the operation of the operator of the card company, and generates and stores a record of the customer DB 513 (FIG. 7). : Step S1). At this point, since initial registration has not yet been performed, no value is stored in the registered handwriting data column 402 of the generated record.
[0051]
For example, when a user who has been issued a credit card, which is an IC card 7, intends to make a payment using the IC card 7, the control unit 303 of the payment terminal 3 installed in the store, for example, In accordance with the operation, etc., input of transaction data such as purchased products and charges is received, and the received transaction data is temporarily stored in the memory 301 (step S3).
[0052]
At that time, the user or the store clerk sets the IC card 7 in the IC card reader / writer 317 (step S5). When the control unit 703 of the IC card 7 detects that the card has been set, it transmits the card number stored in the data storage unit 705 to the payment terminal 3 (step S7). The control unit 303 of the payment terminal 3 receives the card number from the IC card 7 and temporarily stores it in the memory 301 (step S9).
[0053]
Then, the control unit 303 of the payment terminal 3 transmits a card number and a verification request to the host computer 5 via the host communication unit 307 (step S11). The control unit 501 of the host computer 5 receives the card number and the verification request from the payment terminal 3 via the terminal communication unit 505, and temporarily stores the card number in the memory 503 (step S13).
[0054]
In the following description of the processing flow, the terminal communication unit 505 of the host computer 5, the host communication unit 307 of the payment terminal 3, the pen information communication unit 311 of the payment terminal 3, and the IC card reader / writer of the payment terminal 3 317, description of the operation (interface function) in the communication processing between apparatuses by the communication unit 701 of the IC card 7 and the communication unit 225 (FIG. 2) of the pen-type electronic device 21 is omitted.
[0055]
And the control part 501 of the host computer 5 searches the record of customer DB513 based on the received card number (step S15). The processing shifts to the processing in FIG.
[0056]
The control unit 501 of the host computer 5 determines whether there is a record corresponding to the customer DB 513 (FIG. 8: Step S21). When it is determined that it does not exist (step S21: No route), the control unit 501 of the host computer 5 sets the collation result as “issue error” and temporarily stores it in the memory 503 (step S23). And it transfers to the process of step S33 mentioned later.
[0057]
On the other hand, when it is determined that the corresponding record exists (step S21: Yes route), the control unit 501 of the host computer 5 checks the value in the status column 410 (FIG. 4) of the record (step S25). ).
[0058]
Then, the control unit 501 of the host computer 5 determines whether the value in the status column 410 (FIG. 4) is “available” (step S27). When it is determined that it is not “available” (step S27: No route), the control unit 501 of the host computer 5 sets the verification result as “usage error” and temporarily stores it in the memory 503 (step S29). . And it transfers to the process of step S33 mentioned later.
[0059]
On the other hand, when it is determined that it is “available” (step S27: Yes route), the control unit 501 of the host computer 5 sets the collation result to “OK” and temporarily stores it in the memory 503 (step S31). ).
[0060]
And the control part 501 of the host computer 5 transmits a collation result with respect to the payment terminal 3 (step S33). The control unit 303 of the settlement terminal 3 receives the verification result from the host computer 5 and temporarily stores it in the memory 301 (step S35). The processing shifts to the processing in FIG.
[0061]
Then, the control unit 303 of the payment terminal 3 determines whether the collation result is “OK” (FIG. 9: step S41). When it determines with it not being "OK" (step S41: No route), the control part 303 of the payment terminal 3 displays an error on the display apparatus 313 (step S43). For example, a message such as “The credit limit is full” is displayed in accordance with the content of the error. And it transfers to the process of step S63 mentioned later.
[0062]
On the other hand, when it determines with it being "OK" (step S41: Yes route), the control part 303 of the payment terminal 3 specifies the holding destination of handwriting information from the flag information table 305 (step S45). That is, a device whose handwriting information storage destination column 304 (FIG. 3) is “ON” is identified. For example, in the example shown in FIG. 3, the handwriting information holding destination is specified as an IC card.
[0063]
And the control part 303 of the payment terminal 3 transmits a card number with respect to the holding place (for example, IC card 7) of handwriting information (step S47). Although it is not always appropriate to transmit the card number to the IC card or pen-type electronic device, the handwriting information is stored in the host computer in some cases, so this processing is performed.
[0064]
Then, for example, the control unit 703 of the IC card 7 which is a handwriting information holding destination receives the card number from the settlement terminal 3 and temporarily stores it in a work memory area such as the data storage unit 705 (step S49). Then, for example, the control unit 703 of the IC card 7 that is the holding destination of the handwriting information confirms whether the handwriting information has been registered (step S51). That is, it is confirmed whether or not handwriting information is stored in the data storage unit 705.
[0065]
Then, for example, the control unit 703 of the IC card 7 that is the holding destination of the handwriting information transmits the registration state of the handwriting information to the settlement terminal 3 (step S53). The control unit 303 of the payment terminal 3 receives the handwriting information registration status from, for example, the IC card 7 which is the handwriting information holding destination, and temporarily stores it in the memory 301 (step S55).
[0066]
Then, the control unit 303 of the settlement terminal 3 determines whether or not the handwriting information has been registered in the data storage unit 705 of the IC card 7 that is the handwriting information holding destination based on the handwriting information registration status (step S57). When it is determined that it has not been registered (step S57: No route), the process proceeds to the initial registration process (step S59). Details of the initial registration process will be described later. When it is determined that the registration has been completed (step S57: Yes route), or when the initial registration process in step S59 ends, the process proceeds to a transaction settlement process (step S61). Details of the transaction settlement process will be described later.
[0067]
Then, the user or the store clerk removes the IC card 7 set in the IC card reader / writer 317 (step S63).
[0068]
In this way, when performing a payment transaction using a card, the registration status of handwriting information is confirmed. If handwriting information is registered, that is, if initial registration has not been performed, the initial registration processing is performed and then the transaction is performed. Settlement processing is performed. If the user desires only the initial registration process, the process is executed by skipping the processes of step S3 (FIG. 7) and step S61 (FIG. 9). At this time, if it is determined in step S57 that registration has been completed, an error may be displayed.
[0069]
Next, details of the initial registration process (FIG. 9: step S59) will be described with reference to FIGS. First, the user removes the IC card 7 set in the IC card reader / writer 317, and signs the signature entry unit 707 of the IC card 7 using the pen-type electronic device 21 (FIG. 10: Step S71).
[0070]
When a signature using the pen-type electronic device 21 is made, a medium check process is automatically executed (step S73). The details of the medium check process will be described later. Whether the dot pattern applied to the signature entry portion 707 of the IC card 7 is correct (whether the dot pattern should be printed on the signature entry portion of the IC card is correct). ) To determine and return the result to the payment terminal 3.
[0071]
Then, the control unit 303 of the settlement terminal 3 determines whether or not the result of the medium check process in step S73 is “error” (step S75). When it determines with it being "error" (step S75: Yes route), the control part 303 of the payment terminal 3 displays an error message on the display apparatus 313 (step S77). For example, a message such as “Your card cannot be used for signature registration” is displayed. And it transfers to the process of step S63 (FIG. 9) via the terminal D. FIG.
[0072]
On the other hand, when it is determined that it is not an “error” (step S75: No route), the control unit 303 of the payment terminal 3 displays a request for setting the IC card 7 on the display device 313 (step S79). For example, a message such as “Please set the card with the signature on the IC card reader / writer” is displayed.
[0073]
The user or store clerk who sees the message sets the IC card 7 in the IC card reader / writer 317 (step S81). The processing shifts to the processing in FIG.
[0074]
When the IC card 7 is set in the IC card reader / writer 317, the control unit 303 of the payment terminal 3 reads the card number from the IC card 7 and temporarily stores it in the memory 301 (FIG. 11: Step S91). At this time, the control unit 303 of the payment terminal 3 confirms that the read card number is the same as the card number stored in the memory 301 in step S9 (FIG. 7).
[0075]
And the control part 303 of the payment terminal 3 transmits the request | requirement of handwriting information with respect to the pen-type electronic device 21, for example (step S93). Further, an identifier such as a pen ID is used to specify a pen-type electronic device that is a transmission destination of a request. The settlement terminal 3 receives the pen ID in the medium check process (details will be described later) in step S73 (FIG. 10). The payment terminal 3 and the pen-type electronic device 21 may be associated in advance.
[0076]
The control unit 219 (FIG. 2) of the pen-type electronic device 21 receives a request for handwriting information from the payment terminal 3 (step S95). Then, the control unit 219 (FIG. 2) of the pen-type electronic device 21 transmits, for example, handwriting information stored in the temporary storage memory unit 211 (FIG. 2) to the settlement terminal 3 (step S97). The handwriting information is stored in the temporary storage memory unit 211 (FIG. 2) in the medium check process (details will be described later) in step S73 (FIG. 10).
[0077]
The control unit 303 of the settlement terminal 3 receives the handwriting information from the pen type electronic device 21 and temporarily stores it in the memory 301 (step S99). And the control part 303 of the payment terminal 3 transmits handwriting information and the card number acquired in step S91 with respect to the host computer 5 (step S101).
[0078]
The control unit 501 of the host computer 5 receives the card number and handwriting information from the payment terminal 3 and temporarily stores them in the memory 503 (step S103). At this time, handwriting information is registered in the registered handwriting data column 402 (FIG. 4) of the customer DB 513. Then, the control unit 501 of the host computer 5 collates the handwriting information with the application form handwriting data (step S105). That is, based on the card number, the received handwriting information is collated with the data stored in the application form handwriting data column 412 (FIG. 4) of the customer DB 513. The handwriting collation method may be any conventional technique.
[0079]
Then, the control unit 501 of the host computer 5 determines whether or not the collation result is “error” (step S107). “Error” here means that the signature was not recognized by the same person. If it is determined that the error has occurred (step S107: YES route), the processing shifts to the processing in FIG.
[0080]
On the other hand, when it is determined that it is not “error” (step S107: No route), the control unit 501 of the host computer 5 transmits a verification confirmation notification to the settlement terminal 3 (step S109). The control unit 303 of the settlement terminal 3 receives the verification confirmation notification from the host computer 5 and temporarily stores it in the memory 301 (step S111). Then, the processing shifts to the processing in FIG.
[0081]
And the control part 303 of the payment terminal 3 specifies the holding place of handwriting information from the flag information table 305 (FIG. 12: step S121). That is, a device whose handwriting information storage destination column 304 (FIG. 3) is “ON” is identified. For example, in the example shown in FIG. 3, the handwriting information holding destination is specified as an IC card.
[0082]
The control unit 303 of the settlement terminal 3 transmits the handwriting information to the specified handwriting information holding destination (step S123). For example, the control unit 703 of the IC card 7 which is the handwriting holding destination receives the handwriting information from the settlement terminal 3 and stores it in the data storage unit 705 (step S125). In addition, when the holding destination of handwriting information is the pen-type electronic device 21, for example, handwriting information is stored in the handwriting storage memory unit 213 (FIG. 2). In addition, when the handwriting information is stored in the host computer 5, for example, the handwriting information is already registered in the customer DB 513 in step S103 (FIG. 11), so that it is not necessary to process it again.
[0083]
Then, for example, the control unit 703 of the IC card 7 that is the handwriting information holding destination transmits a registered notification to the settlement terminal 3 (step S127). The control unit 303 of the payment terminal 3 receives the registered notification from, for example, the control unit 703 of the IC card 7 that is the handwriting information holding destination, and temporarily stores it in the memory 301 (step S129). Then, the control unit 303 of the settlement terminal 3 displays a registration completion message on the display device 313 (step S131). For example, a message such as “Initial registration is completed” is displayed. Then, the initial registration process is terminated, and the process returns to the original process (FIG. 9).
[0084]
FIG. 13 shows a processing flow after the transition through the terminal E (when it is determined as “error” in step S107 (FIG. 11)). First, the control unit 501 of the host computer 5 deletes the handwriting information received and stored in step S103 (FIG. 11) from the customer DB 513 (FIG. 13: step S141). That is, the value of the registered handwriting data column 402 (FIG. 4) of the corresponding record is deleted.
[0085]
Then, the control unit 501 of the host computer 5 transmits an error notification to the settlement terminal 3 (step S143). The control unit 303 of the settlement terminal 3 receives the error notification from the host computer 5 and temporarily stores it in the memory 301 (step S145). Then, the control unit 303 of the settlement terminal 3 displays an error message on the display device 313 (Step S147). For example, a message such as “Initial registration could not be performed because the handwriting is different” is displayed. And it transfers to the process of step S63 (FIG. 9) via the terminal D. FIG.
[0086]
In this way, the initial registration process is performed. In the present embodiment, handwriting information is stored in the customer DB 513 in step S103 (FIG. 11), but in step S123 (FIG. 12), in addition to the handwriting information holding destination, the host computer 5 Also, handwriting information may be transmitted.
[0087]
Further, the verification check process in steps S101 to S111 (FIG. 11) may not be performed. However, in this embodiment, the signature cannot be registered unless the settlement terminal 3 is located. The risk of IC cards being stolen before registration increases. In this way, if the handwriting information at the time of application is collated, even if the IC card is stolen, unauthorized registration can be prevented.
[0088]
Next, details of the medium check process (FIG. 10: step S73) will be described with reference to FIGS. First, the control unit 219 (FIG. 2) of the pen-type electronic device 21 stores the dot pattern data of the sign entry unit and the handwriting information of the user read by the reading unit 221 (FIG. 2) in the temporary storage memory unit 211 (FIG. 2) is temporarily stored (FIG. 14: Step S151).
[0089]
Then, the control unit 219 (FIG. 2) of the pen-type electronic device 21 specifies the validity determination destination of the writing medium from the flag information table 217 (step S153). That is, a device whose value in the column 306 (FIG. 3) of the validity determination destination of the writing medium is “ON” is specified. For example, in the example illustrated in FIG. 3, the validity determination destination of the writing medium is specified as a pen-type electronic device.
[0090]
Then, the control unit 219 (FIG. 2) of the pen-type electronic device 21 determines whether the validity determination destination of the writing medium is the pen-type electronic device (step S155). As described above, when it is determined that the electronic device is a pen-type electronic device (step S155: Yes route), the process proceeds to step S161 described later.
[0091]
On the other hand, when it is determined that the electronic device is not a pen-type electronic device (step S155: No route), the dot pattern data of the sign entry part acquired in step S151 is transmitted to the payment terminal 3 (step S157). At this time, the pen ID for use by the payment terminal 3 is also transmitted in step S93 (FIG. 11). If the pen-type electronic device 21 and the payment terminal 3 are associated with each other in advance, it is not necessary to transmit the pen ID. Further, data indicating the validity determination destination of the writing medium may be transmitted together so that the payment terminal 3 does not need to search the flag information table again.
[0092]
The control unit 303 of the settlement terminal 3 transmits the received dot pattern data of the sign entry unit to a writing medium validity determination destination (a device identified as, hereinafter omitted). The validity determination destination of the writing medium receives the dot pattern data of the sign entry part from the settlement terminal 3 and temporarily stores it in a storage device such as a memory (step S159). However, when the validity determination destination of the writing medium is the settlement terminal 3, it is not transmitted. Note that each process performed by the writing medium validity determination destination is performed by the control unit of the apparatus that is the writing medium validity determination destination.
[0093]
Then, the validity determination destination of the writing medium specifies the holding destination of the permission information from the flag information table (step S161). That is, a device whose value in the permission information holding column 302 (FIG. 3) is “ON” is identified. For example, in the example shown in FIG. 3, the holding destination of the permission information is specified as the host computer. The permission information is reference data for determining the validity of the dot pattern applied to the sign entry part, as described above. And a process transfers to the process of FIG.
[0094]
Then, the validity determination destination of the writing medium determines whether or not it holds permission information based on the processing of step S161 (FIG. 14) (FIG. 15: step S171). When it is determined that the validity determination destination of the writing medium holds permission information (step S171: Yes route), the process proceeds to step S181 described later.
[0095]
On the other hand, if it is determined that the writing medium validity determination destination does not hold permission information, that is, another apparatus holds permission information (step S171: No route), the writing medium validity determination is performed. The destination transmits a permission information transmission request to the permission information holding destination (the device identified as the following, omitted hereinafter) (step S173).
[0096]
The permission information holding destination receives a permission information transmission request from the validity determination destination of the writing medium (step S175). The permission information holding destination transmits the permission information to the validity determination destination of the writing medium (step S177). Each process performed by the permission information storage destination is performed by the control unit of the apparatus that is the permission information storage destination.
[0097]
The validity determination destination of the writing medium receives the permission information from the permission information holding destination and temporarily stores it in a storage device such as a memory (step S179). Then, the validity determination destination of the writing medium collates the dot pattern read in step S151 (FIG. 14) based on the permission information received in step S179, for example, “medium check OK”, “error”, etc. The collation result is stored in a storage device such as a memory (step S181). If the read dot pattern satisfies, for example, a predetermined standard that the utilization system has individually, “medium check OK” is set.
[0098]
Then, the validity determination destination of the writing medium determines whether or not it was the payment terminal 3 that performed the process of step S181 (step S183). That is, it is determined whether the validity determination destination of the writing medium is the payment terminal 3. When it is determined that the terminal 3 is the settlement terminal 3 (step S183: Yes route), the medium check process is terminated and the process returns to the original process.
[0099]
On the other hand, when it is determined that it is not the payment terminal 3 (step S183: No route), the validity determination destination of the writing medium transmits the verification result to the payment terminal 3 (step S185). The control unit 303 of the payment terminal 3 receives the verification result from the validity determination destination of the writing medium and temporarily stores it in the memory 301 (step S187). Then, the medium check process ends, and the process returns to the original process.
[0100]
In this way, the medium check process is performed, and an error is returned if the signature entry part signed by the user is not valid (the one with the correct dot pattern applied). That is, it is possible to prevent fraud due to forgery of the IC card.
[0101]
Next, details of the transaction settlement process (FIG. 9: Step S61) will be described with reference to FIGS. First, the control unit 303 of the payment terminal 3 displays the transaction content on the display device 313 (FIG. 16: step S201). For example, a list of transaction data received in step S3 (FIG. 7) and a confirmation button are displayed.
[0102]
Then, the control unit 303 of the payment terminal 3 causes the printer 315 to output the usage statement 9 (step S203). For example, when a click operation of a confirmation button by a store clerk is received, the printer outputs. Then, the user confirms the transaction contents and the like shown in the printing unit 901 of the usage statement 9 and signs the signature entry unit 903 using the pen-type electronic device 21 (step S205).
[0103]
When a signature using the pen-type electronic device 21 is made, a medium check process is automatically executed (step S207). The details of the medium check process are as described above, but the dot pattern applied to the sign entry portion 903 of the usage statement 9 is correct (the dot pattern to be printed in the correct usage statement) And the result is returned to the settlement terminal 3.
[0104]
Then, the control unit 303 of the payment terminal 3 determines whether or not the result of the medium check process in step S207 is “error” (step S209). If it is determined that the error has occurred (step S209: YES route), the process proceeds to the process of FIG. On the other hand, when it is determined that it is not “error” (step S209: No route), the processing shifts to the processing of FIG.
[0105]
The control unit 303 of the payment terminal 3 identifies the handwriting validity determination destination from the flag information table 305 (FIG. 17: step S221). That is, a device whose value in the column 308 (FIG. 3) of the handwriting validity determination destination is “ON” is specified. For example, in the example shown in FIG. 3, the handwriting validity determination destination is specified as the host computer.
[0106]
Then, the control unit 303 of the payment terminal 3 determines whether or not the handwriting validity determination destination is a pen-type electronic device (step S223). When it is determined that the electronic device is a pen-type electronic device (step S223: Yes route), the process proceeds to step S235 described later.
[0107]
On the other hand, when it is determined that the handwriting validity determination destination is not a pen-type electronic device (step S223: No route), the control unit 303 of the settlement terminal 3 sends a request for handwriting information to the pen-type electronic device 21. Transmit (step S225).
[0108]
The control unit 219 (FIG. 2) of the pen-type electronic device 21 receives a request for handwriting information (step S227). Then, the control unit 219 (FIG. 2) of the pen-type electronic device 21 transmits the handwriting information read in the medium check process in step S207 (FIG. 16) to the settlement terminal 3 (step S229).
[0109]
The control unit 303 of the payment terminal 3 receives the handwriting information from the pen type electronic device 21 and temporarily stores it in the memory 301 (step S231). Then, the control unit 303 of the payment terminal 3 determines whether or not the handwriting validity determination destination specified in step S221 is the payment terminal (step S233). When it is determined that the terminal is a payment terminal (step S233: Yes route), the process proceeds to step S239 described later.
[0110]
On the other hand, if it is determined that the handwriting validity determination destination is not a payment terminal (step S233: No route), the control unit 303 of the payment terminal 3 uses the card number received in step S9 (FIG. 7) and the card number received in step S231. The received handwriting information is transmitted to a handwriting validity determination destination (a device identified as, hereinafter omitted) (step S235).
[0111]
When the handwriting validity determination destination is a pen-type electronic device, there is no need to transmit the card number and handwriting information, so the control unit 303 of the settlement terminal 3 starts the handwriting validity determination process, for example. The request may be transmitted to the pen-type electronic device 21. Further, when the handwriting validity determination destination is an IC card, it is not necessary to transmit the card number, so only the handwriting information may be transmitted. Each process performed by the handwriting validity determination destination is performed by the control unit of the apparatus that is the handwriting validity determination destination.
[0112]
The handwriting validity determination destination receives the card number and handwriting information, and temporarily stores them in a storage device such as a memory (step S237). And the holding | maintenance destination of handwriting information is specified from a flag information table (step S239). That is, a device whose handwriting information storage destination column 304 (FIG. 3) is “ON” is identified. For example, in the example shown in FIG. 3, the information holding destination is specified as an IC card. Then, the processing shifts to the processing in FIG.
[0113]
Then, the handwriting validity determination destination determines whether or not it holds the handwriting information based on the processing in step S239 (FIG. 17) (FIG. 18: step S241). If it is determined that the handwriting validity determination destination holds the handwriting information (step S241: Yes route), the process proceeds to step S251 described later.
[0114]
On the other hand, when it is determined that the handwriting validity determination destination does not hold the handwriting information, that is, another device holds the handwriting information (step S241: No route), the handwriting validity determination destination is Then, the registration handwriting information transmission request is transmitted to the handwriting information holding destination (device identified as the following, hereinafter omitted) (step S243). For example, when the pen-type electronic device 21 is a handwriting validity determination destination and the host computer 5 is a handwriting information holding destination, and when direct communication is not possible, the request is made via the settlement terminal 3. Send. The registered handwriting information means handwriting information registered by the initial registration process.
[0115]
The handwriting information holding destination receives a request for transmitting the registered handwriting information from the handwriting validity determination destination (step S245). Then, the handwriting information holding destination transmits the registered handwriting information to the handwriting validity determination destination (step S247). Each process performed by the handwriting information holding destination is performed by the control unit of the apparatus that is the handwriting information holding destination.
[0116]
The handwriting validity determination destination receives the registered handwriting information from the handwriting information holding destination and temporarily stores it in a storage device such as a memory (step S249). Then, the handwriting validity determination destination collates the handwriting information read in the medium check processing in step S207 (FIG. 16) based on the registered handwriting information received in step S249, and for example, “handwriting check OK” or “error” "Is stored in a storage device such as a memory (step S251).
[0117]
Then, the validity determination destination of the handwriting determines whether or not it was the payment terminal 3 that performed the process of step S251 (step S253). That is, it is determined whether the validity determination destination of the handwriting is the payment terminal 3. If it is determined that the terminal 3 is the settlement terminal 3 (step S253: Yes route), the processing shifts to the processing of FIG.
[0118]
On the other hand, when it is determined that it is not the payment terminal 3 (step S255: No route), the handwriting validity determination destination transmits the collation result to the payment terminal 3 (step S255). The control unit 303 of the settlement terminal 3 receives the collation result from the handwriting validity determination destination and temporarily stores it in the memory 301 (step S257). The processing shifts to the processing of FIG.
[0119]
Then, the control unit 303 of the payment terminal 3 determines whether the collation result is “error” (FIG. 19: step S261). When it determines with it being "error" (step S261: Yes route), the control part 303 of the payment terminal 3 displays an error message on the display apparatus 313 (step S263). For example, a message such as “Cannot settle because handwriting is different” is displayed. Then, the transaction settlement process is terminated, and the process returns to the original process.
[0120]
On the other hand, when it is determined that it is not “error” (step S261: No route), the control unit 303 of the settlement terminal 3 transmits the transaction data received in step S3 (FIG. 7) to the host computer 5. (Step S265). When receiving the transaction data from the payment terminal 3, the control unit 501 of the host computer 5 generates and stores a record of the transaction information DB 511 (step S267).
[0121]
Then, the control unit 501 of the host computer 5 transmits a transaction confirmation notification to the settlement terminal 3 (step S269). The control unit 303 of the settlement terminal 3 receives the transaction confirmation notification from the host computer 5 and temporarily stores it in the memory 301 (step S271). Then, the control unit 303 of the settlement terminal 3 displays a transaction settlement processing completion message on the display device 313 (step S273). For example, a message such as “Credit card accepted” is displayed. Then, the transaction settlement process is terminated, and the process returns to the original process.
[0122]
In this way, transaction settlement processing including check processing of whether or not a correct usage statement has been correctly signed is performed.
[0123]
Although one embodiment of the present invention has been described above, the present invention is not limited to this. For example, the table configurations shown in FIGS. 3 to 5 are merely examples, and other configurations may be employed for storing similar data, and items may be added or deleted as necessary. May be. The configuration of the sign entry unit shown in FIG. 6 is an example, and another configuration may be adopted as long as the signature entry unit (medium) and the user's handwriting can be collated.
[0124]
Furthermore, the functional block configuration of the host computer 5, the payment terminal 3, the IC card 7 and the pen-type electronic device 21 shown in FIG. 2 is an example, and is different from the actual program module configuration. There is. Further, the host computer 5 may be constituted by a plurality of servers.
[0125]
Moreover, although the example which performs communication with the payment terminal 3 and the pen-type electronic device 21 based on Bluetooth was shown, it is made to communicate according to IrDA (Infrared Data Association: Infrared data communication standard) and other standards. Also good. Further, when the IC card 7 is not designated as a handwriting information or permission information storage destination, the IC card reader / writer 317 of the settlement terminal 3 does not necessarily have a writer function. Further, for example, the card data may be acquired in an instant without setting or removing the IC card 7.
[0126]
The processing flows shown in FIGS. 7 to 19 are also examples, and the processing order may be changed within a range in which similar processing results can be obtained, and steps may be added or deleted as necessary. .
[0127]
【The invention's effect】
As described above, according to the present invention, an appropriate signature authentication process can be performed using the technique shown in Patent Document 1 above.
[Brief description of the drawings]
FIG. 1 is a system configuration diagram according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating functional blocks of a pen-type electronic device.
FIG. 3 is a diagram illustrating an example of a flag information table.
FIG. 4 is a diagram illustrating an example of a customer DB table.
FIG. 5 is a diagram showing an example of a transaction information DB table.
FIG. 6 is a diagram showing an outline of a sign entry unit.
FIG. 7 is a diagram showing a processing flow (part 1) according to the embodiment of the present invention;
FIG. 8 is a diagram showing a process flow (2) in the embodiment of the present invention;
FIG. 9 is a diagram showing a process flow (No. 3) in the embodiment of the present invention;
FIG. 10 is a diagram illustrating a processing flow (part 1) of initial registration processing;
FIG. 11 is a diagram showing a processing flow (part 2) of the initial registration processing;
FIG. 12 is a diagram showing a processing flow (part 3) of the initial registration processing;
FIG. 13 is a diagram showing a processing flow (part 4) of the initial registration processing;
FIG. 14 is a diagram illustrating a processing flow (part 1) of medium check processing;
FIG. 15 is a diagram illustrating a processing flow (part 2) of the medium check processing;
FIG. 16 is a diagram showing a processing flow (part 1) of transaction settlement processing;
FIG. 17 is a diagram showing a processing flow (part 2) of transaction settlement processing;
FIG. 18 is a diagram showing a processing flow (part 3) of transaction settlement processing;
FIG. 19 is a diagram showing a processing flow (part 4) of transaction settlement processing;
[Explanation of symbols]
1 Network 3 Payment Terminal 5 Host Computer
7 IC card 9 Usage statement 21 Pen-type electronic device
301,503 Memory 303,501,703 Controller
305, 509, 709 Flag information table
307 Host communication unit 309, 507 Permission information storage unit
311 Pen Information Communication Unit 313 Display Device
315 Printer 317 IC card reader / writer
505 Terminal communication unit 511 Transaction information DB
513 Customer DB 701 Communication unit 705 Data storage unit
707, 903 Sign entry part 901 Print part

Claims (14)

Validity of pattern data validity judgment destination and handwriting information applied to a signature entry part which is composed of a pen type electronic device, an IC card, a terminal device and a server computer and is filled in using the pen type electronic device. A signature authentication method in a system provided with at least one of the pen-type electronic device, the IC card, the terminal device, and the server computer, a definition table in which at least a sex determination destination is defined,
When the user signs the signature entry unit, the pen-type electronic device detects the pattern data applied to the signature entry unit, stores it in the pattern data storage unit, and acquires handwriting information Storing in the handwriting information storage unit;
One of the pen-type electronic device, the IC card, the terminal device, and the server computer, which is set in the definition table as a validity determination destination of the pattern data, is the pattern data storage unit. A pattern determination step for determining the validity of the pattern data stored in
One of the pen-type electronic device, the IC card, the terminal device, and the server computer set in the definition table as a validity judgment destination of the handwriting information is stored in the handwriting information storage unit. A handwriting determination step for determining the legitimacy of the handwritten information,
Signature authentication method including: In the definition table, at least one of the pen-type electronic device, the IC card, the terminal device, and the server computer is set as a storage location of the criterion data for determining the validity of the pattern data. The signature authentication method according to claim 1. In the pattern determination step,
3. The signature authentication method according to claim 2, wherein validity of the pattern data is determined using data stored in a storage location of the determination reference data. In the definition table, at least one of the pen-type electronic device, the IC card, and the server computer is set as a storage location for reference handwriting information that is a criterion for determining the validity of the handwriting information. 4. The signature authentication method according to claim 1, wherein the signature authentication method is any one of claims 1 to 3. 5. The signature authentication method according to claim 4, wherein the signature entry unit is provided in at least one of the IC card and a statement of settlement using the IC card. Determining whether reference handwriting information corresponding to the user is stored in a storage location of the reference handwriting information;
When it is determined that the reference handwriting information corresponding to the user is not stored in the storage location of the reference handwriting information, the terminal device prompts the user to sign the signature entry unit provided on the IC card. Steps,
The signature authentication method according to claim 5, further comprising: When the user signs the signature entry unit provided on the IC card, the pen-type electronic device detects the pattern data applied to the signature entry unit and stores it in the card pattern storage unit. And acquiring handwriting information and storing it in the card handwriting storage unit;
A card pattern validity determination step for determining a validity of the pattern data stored in the card pattern storage unit as a validity determination destination of the pattern data;
Storing the data stored in the card handwriting storage unit in the storage location of the reference handwriting information as reference handwriting information corresponding to the user when it is determined that the card pattern is correct in the card pattern correctness determining step; The signature authentication method according to claim 6, further comprising: In the handwriting determination step,
8. The signature authentication method according to claim 7, wherein validity of the handwriting information is determined using data stored in a storage location of the reference handwriting information. The signature authentication method according to claim 8, further comprising a step of transmitting settlement information from the terminal device to the server computer when it is determined that both the pattern determination step and the handwriting determination step are valid. . Validity judgment destination of handwriting information and validity judgment of pattern data applied to a signature entry section which is composed of a pen-type electronic equipment, an IC card, a terminal device, and a server computer and is entered by the pen-type electronic equipment A signature authentication system provided with at least one of the pen-type electronic device, the IC card, the terminal device, and the server computer;
The pen-type electronic device detects the pattern data applied to the signature entry unit when the user signs the signature entry unit, stores the pattern data in the pattern data storage unit, and acquires handwriting information Means for storing in the handwriting information storage unit;
One of the pen-type electronic device, the IC card, the terminal device, and the server computer, which is set in the definition table as a validity determination destination of the pattern data, is the pattern data storage unit. Means for determining the validity of the pattern data stored in
One of the pen-type electronic device, the IC card, the terminal device, and the server computer set in the definition table as a validity judgment destination of the handwriting information is stored in the handwriting information storage unit. A signature authentication system comprising means for determining validity of the handwritten handwritten information. A pen-type electronic device,
Means for detecting the pattern data applied to the signature entry unit and storing it in the pattern data storage unit when the user has signed the signature entry unit using the pen-type electronic device;
Means for determining the validity of the pattern data stored in the pattern data storage unit;
A pen-type electronic device. When the user has signed the signature entry unit using the pen-type electronic device, means for acquiring handwriting information and storing it in the handwriting information storage unit;
Means for determining validity of the handwriting information stored in the handwriting information storage unit;
The pen-type electronic device according to claim 11, further comprising: 13. The pen according to claim 12, further comprising means for transmitting at least one of the validity determination result of the pattern data and the validity determination result of the handwriting information to a terminal device having means for displaying the determination result. Type electronic equipment. A pen-type electronic device,
Means for acquiring handwriting information and storing it in the handwriting information storage unit when the user has signed the signature entry unit using the pen-type electronic device;
Means for determining validity of the handwriting information stored in the handwriting information storage unit;
A pen-type electronic device.

Images