JP2006155636A - Ic card settlement device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To dynamically optimize the relationship between the cost necessary for identity authentication and accuracy of identity authentication, according to the value that is to be secured by the identity authentication. <P>SOLUTION: The input of a purchase amount and a personal identification number is received (steps 103 and 105). When the purchase amount is lower than a set value (step 107), payment is carried out (steps 111 and 112), if the inputted personal identification number corresponds to a personal identification number stored in an IC card (step 106). When the purchase amount is higher than a set value (step 107), the fingerprints of a user are read (step 109), and payment is carried out (steps 111 and 112), only when the read fingerprint matches that stored to the IC card (step 110). <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an IC card settlement apparatus that performs settlement using an IC card that stores credit information, electronic money information, and the like.

  At present, as a method for settlement of transactions other than cash between traders, settlement by credit card is generally used. In addition, as a credit card, the one using a magnetic stripe card is the mainstream, and the settlement procedure is generally as follows.

  That is, first, the purchaser gives a credit card to the seller at the time of shopping. The seller reads the credit number of the card stored in the magnetic stripe using the magnetic stripe reader. After that, the telephone line is used to connect to the credit card inquiry center, and the read credit number is inquired online. As a result of inquiries, if it has been confirmed in the past that there has been no unauthorized purchase with this credit card, the card holder's signature is confirmed by the purchaser's signature, and the credit card is sold. Notify the credit company of the contents. In this case, at a later date, payment to the seller is made by the credit company, and payment by the purchaser is made to the credit company.

  Such a settlement method using a conventional credit card cannot sufficiently prevent the credit card from being illegally used due to forgery, theft, or imitation of a signature. In addition, the technology that prevents the unauthorized use of credit cards due to the above-mentioned online inquiry is actually not always necessary because the seller may omit the online inquiry in the case of a small transaction. It could not be said to function effectively.

  Recently, a new settlement method using an IC card has been proposed and tested.

  One of them is a credit card converted into an IC card, and the other is electronic money using an IC card. Electronic money is stored in a memory in an IC card, and electronic money is exchanged between IC cards at the time of transaction instead of cash.

  In any case, in order to prevent unauthorized use of the IC card, it is important to authenticate the person who confirms that the IC card user is a legitimate owner of the IC card.

  As a technology for authenticating the identity of such an IC card owner, the IC card owner's personal identification number is recorded in the IC card so that it cannot be known from outside the IC card. When the IC card is inserted into the IC card, the password entered by the IC card user into the IC card payment device is checked against the password recorded on the installed IC card. There is something to try to authenticate. This is intended to use a personal identification number instead of a conventional credit card signature, and this technology eliminates the need for the user to sign each time for each transaction. Since the number is stored in the IC card so that it cannot be known from outside the IC card, this PIN is superior to the conventional credit card in that it cannot be easily known by a third party like a signature. .

  In addition, as technology for authenticating the identity of the IC card owner, the IC card owner's biometric information is recorded in the IC card, and the IC card settlement device is attached to the IC card settlement device during settlement. In some cases, the biometric information is taken from the IC card user into the IC card settlement apparatus, collated with the biometric information recorded on the mounted IC card, and if they match, there is an attempt to authenticate the person. This is intended to use biometric information instead of a conventional credit card signature, and this technology does not require the user to remember a personal identification number. Since it is inseparable, it is superior to the technique using a personal identification number in that it can be expected to perform personal authentication with higher accuracy. Note that representative biometric information includes shapes such as fingerprints, palm prints, irises, and retinas.

  According to the technology using a personal identification number for the authentication of the IC card, there is a problem that if the personal identification number is stolen, unauthorized use of the IC card cannot be prevented. On the other hand, according to the technology that uses biometric information for personal authentication of the IC card, the amount of processing required for biometric information verification is large, and biometric information must be acquired at the time of payment. There is a problem that the processing time and cost of use required for personal authentication increase.

  That is, there is a relationship that the cost of authenticating the identity of the IC card is high, and the cost of authenticating the identity of the IC card is low if the identity of the IC card is to be authenticated at a low cost. And, since cost and accuracy are in a trade-off relationship, what kind of cost and what accuracy to authenticate is optimized according to the value to be protected by identity authentication. Although reasonable, in the case of electronic money and credit cards, the value protected by personal authentication changes with the usage status of each IC card, so use one or both of the above-mentioned PIN and biometric information. In some cases, such optimization cannot be performed.

  Accordingly, an object of the present invention is to provide an IC card settlement apparatus capable of dynamically optimizing the relationship between the cost required for personal authentication and the accuracy of personal authentication according to the value to be protected by the personal authentication. .

  In addition, according to the technology that uses a personal identification number for the authentication of the IC card, if the authorized owner of the IC card forgets the personal identification number, the IC card can be used even if it is the authorized owner. There is a problem that it will not be possible. Therefore, an object of the present invention is to provide an IC card settlement apparatus that can use an IC card even if a valid owner has forgotten the password.

  In addition, according to the technology using biometric information for the authentication of the IC card, there is a problem in that the biometric information at the time of payment, for example, fingerprint acquisition, is uncomfortable to the owner of the IC card.

  Therefore, an object of the present invention is to reduce discomfort given to the owner of an IC card when acquiring biometric information.

In order to achieve the above object, the present invention is an IC card settlement apparatus that performs settlement of commercial transactions using, for example, an IC card in which a personal identification number and biometric information of an authorized IC card owner are stored,
Payment amount acceptance means for accepting input of the amount of money to be settled, personal identification number acceptance means for accepting input of a personal identification number from an IC card user, and biological information reading means for reading biological information from an IC card user When the amount to be settled is lower than a predetermined value, the code number accepted by the code number accepting means is checked for coincidence with the code number stored in the IC card, and if both code numbers are matched, the settlement is made. When the first settlement means to be performed and the input amount to be settled are higher than a predetermined value, the biometric information read by the biometric information reading means is checked for coincidence with the biometric information stored in the IC card, There is provided an IC card settlement apparatus characterized by comprising second settlement means for performing settlement when biometric information matches.

  According to such an IC card payment apparatus, rapid personal authentication using only a personal identification number is performed at the time of low-value payment, and high-accuracy personal authentication using biometric information is performed at the time of high-value payment. The accuracy and cost of identity authentication can be dynamically optimized according to one of the values, that is, the payment amount, which is the amount of damage when payment is an unauthorized use of an IC card.

In order to achieve the above object, the present invention is an IC card settlement apparatus that performs settlement of commercial transactions using, for example, an IC card in which a personal identification number and biometric information of an authorized IC card owner are stored. And
It is stored in the IC card and the personal identification number receiving means for receiving the input of the personal identification number from the IC card user, the biological information reading means for reading the biological information from the IC card user, and the personal identification number received by the personal identification number receiving means. When the two passwords match, the payment is made. When the two passwords do not match, the biological information read by the biological information reading means and the biological information stored in the IC card are further stored. There is provided an IC card payment apparatus characterized by having a payment means for checking a match with information and performing a payment when both pieces of biometric information match.

  According to such an IC card payment apparatus, at the time of normal payment, while being able to make a quick payment by personal authentication using a password, and not knowing the password, that is, for a suspicious user, The user authentication can be performed with high accuracy by the user authentication using the biometric information, and the settlement process can be performed. In other words, even if a legitimate user forgets his / her PIN, he / she can shop with an IC card.

Further, the present invention provides an IC card processing device for authenticating an IC card user by using a personal identification number and fingerprint information of an authorized owner of the IC card stored in the IC card in order to achieve the above object. Because
An IC card process comprising: an input unit that accepts an input of a personal identification number by a fingertip from an IC card user; and a reading unit that reads fingerprint information from the fingertip placed in the input unit for inputting the personal identification number Providing equipment.

  According to such an IC card processing device, the IC card user can read the fingerprint information when inputting the password without making the IC card user aware of reading the fingerprint information. Therefore, the discomfort of the IC card user when reading the fingerprint can be reduced.

  As described above, according to the present invention, there is provided an IC card settlement apparatus capable of dynamically optimizing the relationship between the cost required for the personal authentication and the accuracy of the personal authentication according to the value to be protected by the personal authentication. be able to.

  Further, an IC card settlement apparatus that can use an IC card even if the owner is a valid owner can forget the password.

  Further, when obtaining biometric information, it is possible to reduce discomfort given to the owner of the IC card.

  Hereinafter, an embodiment of the present invention will be described.

  First, the first embodiment will be described.

  FIG. 1 shows a configuration of an IC card settlement terminal according to the present embodiment.

  The IC card settlement terminal is a credit terminal that performs credit settlement processing. In the figure, 1 is a credit terminal, and 10 is an IC card that is attached to the credit terminal 1 in a removable manner. Further, in the credit terminal 1, 2 is a key input unit, 3 is a display unit, 4 is a receipt printing unit, 5 is an arithmetic processing unit, 6 is a modem unit for connecting to a credit center, and 7 is a transaction history information storage unit. , 8 is an IC card reader / writer, and 9 is a fingerprint reader. In the IC card 10, 11 is a connection unit, 12 is an arithmetic processing unit, 13 is a transaction history information storage unit, 14 is an ID information storage unit, 15 is a personal identification number storage unit, and 16 is a fingerprint information storage unit.

  Here, a unique credit number is stored for each IC card in the ID information storage unit 14, a password registered by the user is stored in the password number storage unit 15, and the fingerprint information storage unit 16 is stored in the fingerprint information storage unit 16. Stores fingerprint information registered by the user.

  Next, the transaction history information shown in FIG. 2 is stored in the transaction history information storage unit 13 of the IC card 10.

  As shown in the figure, the transaction history information includes a transaction date for shopping, a shopping amount, a cumulative amount, and a cumulative number of times. These are stored by the credit terminal 1 that made the settlement when shopping with credits using the IC card. Here, the cumulative amount is the cumulative amount of purchases made by credit with this IC card, and the cumulative number of purchases is the number of purchases made by credit with this IC card. However, as will be described later, The accumulated amount and the accumulated number of times are calculated when the credit terminal 1 that makes payment by shopping with the credit of the IC card makes an inquiry about the credit number of the IC card to the credit center and confirms that there is no past unauthorized use. In the next purchase, the cumulative number of times is 1, and the accumulated amount is the next purchase amount. In the example of the figure, when shopping for No. 7 and 4, the credit terminal 1 that made the payment inquires the credit center of the credit number of this IC card and confirmed that there has been no unauthorized use in the past. Shows the case.

  Hereinafter, the operation of the credit terminal 1 according to the present embodiment will be described.

  FIG. 3 shows a procedure of operations at the time of settlement performed by the arithmetic processing unit 5 of the credit terminal 1.

  As shown in the figure, when the user inserts the arithmetic processing unit 5 of the credit terminal 1 by inserting the IC card 10 into the credit terminal 1 (step 102), the IC card read / write unit 8 is supplied with power, clock, A reset signal is supplied to activate the IC card. As a result, the arithmetic processing unit 5 of the credit terminal 10 can read information in the IC card via the connection unit 11 and the IC card read / write unit 8.

  Next, when the clerk inputs the shopping amount to the credit terminal from the input unit 2 (step 103), the arithmetic processing unit 5 first displays a confirmation screen as to whether or not to pay on the display unit 3 (step 104). . When the user selects to pay from the input unit 2, the input unit 2 accepts an input of a personal identification number from the user (step 105). On the other hand, when the user selects from the input unit 2 that payment is to be made, the IC card reading / writing unit 8 ejects the IC card 10 (step 114), and the process ends (step 115).

  When the personal identification number is input in step 105, the arithmetic processing unit 5 passes the personal identification number to the arithmetic processing unit 12 of the IC card 10 and is stored in the input personal identification number and the personal identification number storage unit 15 of the IC card 10. The number is compared, and it is confirmed from the result whether or not they match (step 106). If the match cannot be confirmed, the IC card read / write unit 8 ejects the IC card 10 (step 114), and the process ends (step 115).

  On the other hand, if it is confirmed in step 106 that the passwords match, it is then determined whether or not the shopping amount exceeds a preset amount value (step 107). Then, if the shopping amount does not exceed the preset amount value, the process proceeds to step 111 on the assumption that the personal authentication has been established.

  On the other hand, if it is determined in step 107 that the shopping amount exceeds the set value, an online inquiry is made to the credit center here to check whether there is any unauthorized use in the past with the IC card used by the user. (Step 108). In this case, data is exchanged with the credit center via a telephone line via the modem 6. If it has not been confirmed that there has been no unauthorized use in the past, the IC card 10 is ejected (step 114), and the process is terminated (step 115).

  On the other hand, if it has been confirmed in step 108 that there has been no unauthorized use in the past, the fingerprint of the user is read by the fingerprint reading unit 9 (step 109). Then, the arithmetic processing unit 5 passes the read fingerprint information to the arithmetic processing unit 12 of the IC card 10, and compares it with the fingerprint information stored in the fingerprint information storage unit 16 of the IC card 10. Then, it is confirmed whether or not they match (step 110). If the match cannot be confirmed, the IC card read / write unit 8 ejects the IC card 10 (step 114), and the process ends (step 115).

  On the other hand, if the fingerprint match is confirmed in step 110, it is determined that the personal authentication has been established, and the process proceeds to step 111.

  In step 111 executed when the personal authentication is established, the transaction history information in the transaction history information storage unit 13 of the IC card is updated according to the shopping amount and today's date.

  Also, the transaction history information storage unit 7 on the credit terminal side 1 is updated (step 112). The transaction history information storage unit 7 on the credit terminal side 1 stores a shopping date, a shopping price, a credit number of the IC card 10 used for shopping, and the like.

  Then, a receipt is issued by the printing unit 4 (step 113), the IC card 10 is discharged (step 114), and the process is terminated (step 115).

  In addition, in the update of the transaction history information in the IC card transaction history information storage unit 13 in step 111, the accumulated amount and the accumulated number of times are also updated as described above. Further, as described above, the accumulated amount and the accumulated number of times are initialized at the time of the next shopping when it is confirmed in step 108 that there has been no unauthorized use in the past. If it can be confirmed that there has been no unauthorized use in the past, the fact is stored in association with the purchase confirmed that there has been no unauthorized use of the transaction history information in the transaction history information storage unit 13 in the past, If it is stored in step 111 that it has been confirmed that there has been no unauthorized use in the past in association with the previous purchase, the transaction history information in the transaction history information storage unit 13 of the IC card in step 111 is updated. In this case, the accumulated amount and the accumulated number of times may be initialized. Alternatively, when it is confirmed in step 108 that there has been no unauthorized use in the past, the transaction history information in the transaction history information storage unit 13 may be deleted at the end of the transaction at that time.

  The first embodiment of the present invention has been described above.

  As described above, in the first embodiment, when the shopping amount is equal to or less than the set value, the personal identification is performed using the personal identification number. In this case, since online inquiry is not performed, the processing is completed in a short time. Can do. On the other hand, if the purchase price exceeds the set value, online inquiries are made and the user's fingerprint is used to authenticate the user again. This prevents unauthorized use even if the card and PIN are stolen and misused. it can. In other words, according to the first embodiment, rapid personal authentication using only a personal identification number is performed during low-priced shopping, and high-precision personal authentication using fingerprints is performed during high-priced shopping. The accuracy and cost of the personal authentication can be dynamically optimized according to one of them, that is, the amount of shopping that is a damage amount when shopping is an unauthorized use of an IC card.

  The confirmation of fingerprint information is safe in terms of security, and in the above description, comparison is made by the arithmetic processing unit 12 in the IC card. However, if there is a problem with the processing time or the like, the processing can be performed by the arithmetic processing unit 5 in the credit terminal.

  Hereinafter, a second embodiment of the present invention will be described.

  In the second embodiment, the process of FIG. 3 in the first embodiment is performed not only when the shopping amount exceeds the set value but also when the accumulated amount exceeds the set value as shown in FIG. 201) and also when the cumulative number exceeds the set value (step 202), online inquiry (step 108) and fingerprint comparison (steps 109 and 110) are performed. If the match is confirmed, it is assumed that the personal authentication is established.

  According to the second embodiment, in addition to the effects of the first embodiment, high-accuracy personal authentication using fingerprints even when the accumulated amount exceeds the set value and the accumulated number exceeds the set value. I do. Here, since the accumulated amount and the accumulated number of times can be estimated to be proportional to the amount of damage when the IC card continues to be illegally used, according to the second embodiment, On the other hand, the accuracy and cost of personal authentication can be dynamically optimized according to the amount of damage due to continuous unauthorized use, which is one of the values to be protected by personal authentication.

  In the first and second embodiments described above, the conditions for checking online matching and fingerprint matching are the same for the shopping amount, the accumulated amount, and the accumulated number of times. However, these may be different conditions. In this case, the accumulated amount and the accumulated number of times may be initialized when the fingerprint match is confirmed.

  As described above, according to the first and second embodiments of the present invention, when it is estimated that the amount of damage due to fraud is small, personal authentication is performed only with a personal identification number, so that customers such as supermarkets and convenience stores, etc. Processing can be performed smoothly even in shops that rotate quickly. On the other hand, if it is estimated that the amount of damage due to fraud may be large, personal authentication is also performed using fingerprint information, so it is possible to prevent unauthorized use even if the PIN is stolen. Occurrence can be prevented. In addition, since personal authentication using fingerprint information and authentication using a personal identification number are also performed, reliability of personal authentication can be ensured to some extent even when the accuracy of personal authentication using biometric information is lower than when only personal authentication using biometric information is performed. For this reason, it is possible to reduce the amount of biometric information stored in the IC card for personal authentication based on biometric information and the load for biometric information comparison processing.

  Hereinafter, a third embodiment of the present invention will be described.

  In the third embodiment, the processing of FIG. 3 in the first embodiment is the same as that shown in FIG. 5, but if the PIN entered in step 105 is incorrect, the shopping amount exceeds the set value. If not (step 303), the fingerprints are compared (steps 301 and 302). If the fingerprints match, it is assumed that personal authentication has been established even if the password is wrong, and the shopping amount is set to the set value. If it is exceeded (step 303), fingerprint comparison (steps 301 and 302) and online inquiry (step 304) are performed. As a result, if it is confirmed that the fingerprint matches and there is no past fraud, the password is confirmed. Even if the number is wrong, it is assumed that personal authentication has been established. However, if the password is wrong, the online inquiry may be performed even if the shopping amount does not exceed the set value. Further, in the process of FIG. 5, the input of the personal identification number is omitted by omitting the input of the personal identification number in step 105 according to the user's selection and always determining that the personal identification number is incorrect in step 106. The user who wants to do so may not be prompted to enter a password.

  Similarly to the second embodiment, when the accumulated amount or the number of accumulations exceeds the set value, the same processing as when the shopping amount exceeds the set value may be performed.

  As described above, according to the third embodiment, in addition to the first and second embodiments, even when the user forgets the personal identification number, the personal identification number is not known. The authentication process can be performed with high accuracy by personal authentication using a fingerprint and the settlement process can be performed. In other words, even if a legitimate user forgets his / her PIN, he / she can shop with an IC card.

  The fourth embodiment of the present invention will be described below.

  In the fourth embodiment, the process of FIG. 5 in the third embodiment is compared with fingerprints (steps 301 and 302) when the password entered in step 105 is incorrect as shown in FIG. Alternatively, if the personal authentication is established by comparing the fingerprints (steps 301 and 302) and the online inquiry (step 304), the user is inquired via the display unit 3 whether the password is to be re-registered (step 401). If the number is input by the input unit 2 (step 402), the password in the password storage unit 15 of the IC card 10 is updated to the input password (step 403).

  In this case, it is preferable to make an online inquiry even when the shopping amount does not exceed the set value.

  Similarly to the second embodiment, when the accumulated amount or the number of accumulations exceeds the set value, the same processing as when the shopping amount exceeds the set value may be performed.

  As described above, according to the fourth embodiment, in addition to the third embodiment, a user is authenticated with high accuracy by personal authentication using a fingerprint. A number re-registration service can be provided.

  The fifth embodiment of the present invention will be described below.

  As shown in FIG. 7, in the fifth embodiment, steps 107 to 110, 303, and 304 are omitted from the processing of FIG. 6 in the fourth embodiment.

  That is, in the fifth embodiment, regardless of whether or not the shopping amount exceeds the set value, it is assumed that the personal authentication is always established when the input password is correct, and the input password is incorrect. If the fingerprints match (steps 315 and 316) and the fingerprints match, it is assumed that the personal authentication is established even if the password is wrong. If the entered password is wrong, online inquiry may be performed.

  As a result, it is possible to normally perform a quick settlement process using a password. Further, even when the user forgets the personal identification number, the personal identification number is not known, i.e., the personal authentication can be performed with high accuracy by the personal identification using the fingerprint for the suspicious user, and the settlement process can be performed. . In other words, even if a legitimate user forgets his / her PIN, he / she can shop with an IC card. In addition, a user can be authenticated with high accuracy by personal authentication using a fingerprint, and a quick password re-registration service can be provided to the authenticated user.

  The embodiments in the case where the IC card settlement terminal according to the present invention is a credit terminal have been described as the first to fifth embodiments.

  Hereinafter, an embodiment in which the IC card settlement terminal according to the present invention is a POS terminal that performs settlement of electronic money will be described as a sixth embodiment.

  FIG. 8 shows the configuration of the POS terminal according to the present embodiment.

  In the figure, 17 is a POS terminal, 26 is an IC card used by the purchaser, and 71 is an IC card used by the seller.

  In the POS terminal, 18 is a key input unit, 19 is a display unit, 20 is a receipt printing unit, 21 is an arithmetic processing unit, 22 is a modem unit, 23 is a transaction history information storage unit, 24 is an IC card read / write unit, Reference numeral 25 denotes a fingerprint reading unit. In the IC card 26, 27 is a connection unit, 28 is an arithmetic processing unit, 29 is an amount information storage unit, 30 is an ID information storage unit, 31 is a personal identification number storage unit, and 32 is a fingerprint information storage unit. Here, the amount information storage unit 29 stores an amount that can be used as electronic money. The internal configuration of the IC card 71 is the same as that of the IC card 26.

  The operation of such a POS terminal 17 will be described.

  FIG. 9 shows a procedure of operations at the time of settlement performed by the arithmetic processing unit 21 of the POS terminal 17.

  However, here, it is assumed that the seller's IC card 71 is already attached to the POS terminal 17 and the identity authentication for the seller's IC card 71 has already been completed.

  As shown in the figure, when the purchaser inserts the arithmetic processing unit 21 of the POS terminal 17 by inserting the IC card 26 into the POS terminal 17 (step 502), the seller or purchaser gives the purchaser's IC card 26. Is received via the input unit 18 via the input unit 18 (step 503), and then the PIN code is received via the input unit 18 from the purchaser. (Step 504).

  When the personal identification number is input, the arithmetic processing unit 21 passes the personal identification number to the arithmetic processing unit 28 of the IC card 26 and is stored in the input personal identification number and the personal identification number storage unit 31 of the IC card 26. The numbers are compared, and from the result, it is confirmed whether or not they match (step 505). If the match cannot be confirmed, the process proceeds to step 507.

  On the other hand, if it is confirmed in step 505 that the passwords match, it is determined whether or not the shopping amount exceeds a preset amount value (step 506). If the shopping amount does not exceed the preset amount value, the process proceeds to step 509 assuming that personal authentication has been established. On the other hand, if the shopping amount exceeds the preset amount value, the process proceeds to step 507.

  In step 507, the fingerprint of the user is read by the fingerprint reading unit 25. Then, the arithmetic processing unit 21 passes the read fingerprint information to the arithmetic processing unit 28 of the IC card 26, and compares it with the fingerprint information stored in the fingerprint information storage unit 32 of the IC card 26. Then, it is confirmed whether or not they match (step 508). If the match cannot be confirmed, the IC card read / write unit 24 ejects the IC card 26 (step 512), and the process ends (step 513).

  On the other hand, if the fingerprint match is confirmed in step 508, it is determined that the personal authentication has been established, and the process proceeds to step 509.

  In step 509 performed when the personal authentication is established, the electronic money stored in the amount information storage unit 29 of the purchaser's IC card 26 is converted into the amount of the input IC card for the seller and the amount of the IC card for the seller. Settlement is made by moving to the information storage unit. More specifically, the amount of money that can be used as electronic money stored in the amount information storage unit 29 of the IC card 26 for the purchaser is reduced by the transfer amount, and the amount information storage unit of the IC card 71 for the seller is stored. Increase the amount of money that can be used as stored electronic money by the amount of money transferred.

Next, in step 510, the contents of the settlement are stored in the transaction history information storage unit 23 of the POS terminal 17. For example, the shopping date, the shopping price, the ID stored in the ID information storage unit 30 of the IC card 26 used for shopping, and the like are stored. Then, a receipt is issued by the printing unit 20 (step 511), the IC card 26 is discharged (step 512), and the process is terminated (step 513).

  The sixth embodiment of the present invention has been described above.

  Although the case where electronic money is transferred from the purchaser IC card 26 to the seller IC card 71 has been described above, in the sixth embodiment, for example, the IC card 26 from a bank via a telephone line is used. The same can be applied to the case of transferring electronic money. In this case, the POS terminal receives electronic money corresponding to the transfer amount from the bank via the modem 22 in step 509 of FIG. 8, and stores this electronic money stored in the amount information storage unit 29 of the IC card 26. Add to.

  Further, in the sixth embodiment, as in the second embodiment, the accumulated amount and the number of times of accumulation are stored in the IC card 26, and when these exceed the set value, the transfer amount exceeds the set value. You may make it perform the process similar to the case where it is. Further, as in the first and second embodiments, in the case where the passwords do not match, it may be impossible to make a payment as a person who does not establish personal authentication unconditionally.

  Further, when the personal identification is established when the fingerprints match even when the passwords do not match, as in the fourth embodiment, the owner of the IC card with the matching fingerprints The user may be allowed to re-register the number, or the user who does not need to enter the personal identification number may not be asked to enter the personal identification number.

  Further, as in the fifth embodiment, regardless of whether or not the shopping amount exceeds the set value, it is assumed that the personal authentication is always established when the input password is correct, and the input password is Fingerprints may be compared only when they are wrong, and if the fingerprints match, it may be assumed that personal authentication has been established even if the password is wrong.

  As described above, according to the sixth embodiment, it is possible to achieve the same effect as that of each embodiment relating to the credit terminal with respect to the settlement of electronic money.

  In recent years, with the spread of the Internet, Internet shopping using personal computers has become widespread, but in this case, settlement with electronic money is superior to credits and the like in terms of security and fees.

  Therefore, in the following, an embodiment in which the IC card settlement terminal according to the present invention is a personal computer that performs Internet shopping using electronic money will be described as a seventh embodiment.

  FIG. 10 shows the configuration of the personal computer in this case.

  In the figure, 33 is a personal computer and 42 is an IC card. In the IC card 42, 43 is a connection unit, 44 is an arithmetic processing unit, 45 is an amount information storage unit, 46 is an ID information storage unit, 47 is a personal identification number storage unit, 48 is a fingerprint information storage unit, and 49 is personal information. It is a storage unit. The personal information storage unit 49 stores personal information such as date of birth, age, gender, nationality, etc. of the IC card owner. In the personal computer 33, 34 is a key input unit, 35 is a display unit, 36 is a printing unit, 37 is an arithmetic processing unit, 38 is a modem unit, 39 is a customization information storage unit, and 40 is an IC card read / write unit. The customization information storage unit 39 stores how to customize a user interface for Internet shopping according to personal information. However, each unit in the personal computer 33 is a functional unit realized on the personal computer 33 when the personal computer 33 executes predetermined software.

  In the present embodiment, in order to improve the convenience of Internet shopping, the personal information of the user is stored in the personal information storage unit 49 in the IC card 42, and the character size of the screen used for Internet shopping based on these information Customize the language, menu contents, etc. according to the IC card owner.

  FIG. 11 shows a procedure of processing performed by the arithmetic processing unit 37 of the personal computer 33.

  First, when an IC card is inserted (step 602), personal information such as date of birth, age, sex, nationality and the like stored in the personal information storage unit 49 of the IC card 42 is read (step 603).

  Then, the data downloaded from the center through the modem 38 in cooperation with the center is customized according to the read personal information and displayed on the display unit 35 (step 604). Contents to be customized include shopping catalog contents, character size, language, and the like. For example, the contents of a shopping catalog provided to users are different between young people and elderly people, and women and men.

  Next, when the input of the number of the product to be purchased and the amount information is received from the user (step 605), the input of the personal identification number is received to confirm that the user is the owner of the IC card 42 next. (Step 606) If the passwords match, settlement is performed to move the electronic money for the input amount to the center (Step 610). If an incorrect password is entered, the fingerprint reading unit 41 reads the user's fingerprint (step 608), and checks whether the fingerprint information matches the fingerprint information stored in the fingerprint information storage unit 48 in the IC card 42. Confirmation is made (step 609), and if they match, settlement is made to move the electronic money for the input amount to the center (step 610), and the transaction history is stored in the personal computer (step 611).

  Then, when the end of shopping is selected by the user (step 612), and when neither the password nor the fingerprint matches, the IC card 42 is ejected (step 613), and the process is terminated (step 613). Step 614). When continuing shopping, the processing from step 604 is performed.

  Although the seventh embodiment of the present invention has been described above, in the seventh embodiment, as in the sixth embodiment, even when the passwords match, the input amount is larger than the installation value. May further confirm the fingerprint match and perform the payment in step 608 only if they match. Further, when the age indicated by the personal information indicates a child, the adult information may not be accessible. In addition, when the age indicated by the personal information indicates a child, a restriction may be applied so that only a small amount of money can be traded.

  The customization of the user interface according to the personal information in the seventh embodiment can be similarly applied to various devices such as a credit terminal, a POS terminal, and various electronic money terminals handling electronic money.

  For example, the present invention can also be applied to an offline electronic wallet terminal that performs identity authentication using only a password as shown in FIG.

  12, 50 is an electronic wallet terminal. In the electronic wallet terminal 50, 51 is a key input unit, 52 is a display unit, 53 is an arithmetic processing unit, 54 is a customized information storage unit, and 55 is an IC card read / write unit. . Reference numeral 56 denotes an IC card. In the IC card 56, 57 is a connection unit, 58 is an arithmetic processing unit, 59 is an amount information storage unit, 60 is an ID information storage unit, and 61 is a personal information storage unit.

  The electronic wallet terminal 50 displays information such as the balance and transaction history stored in the IC card. At this time, the character size, language, etc. are customized by the personal information read from the personal information storage unit 61 of the IC card 56. .

  Note that it is also possible to customize only the user interface of a general personal computer with the personal information of the IC card. For example, when a child or an elderly person operates, it is possible to perform an operation without much hesitation by reducing the number of items that can be selected or making it impossible to select a highly functional application.

  The eighth embodiment of the present invention will be described below.

  The eighth embodiment relates to fingerprint reading in each of the above embodiments.

  Since fingerprint information is often used for police crime investigations, it tends to cause problems such as physiological discomfort when reading fingerprint information of IC card users. Therefore, it is important how to perform reading so as not to cause discomfort to the user.

  Therefore, in the present eighth embodiment, as shown in FIG. 13, by providing a fingerprint reading unit on a numeric key for inputting a personal identification number, the user reads the fingerprint without much awareness of the fingerprint reading. be able to. Usually, since a PIN number is four digits or more, when a reading part is provided in a numeric key, a fingerprint can be read as many times as the number of digits of the PIN number. Therefore, it is possible to increase accuracy by performing processing using a plurality of read data.

  On the other hand, when inputting a personal identification number, it is possible to provide a fingerprint reading unit only on the input key as shown in FIG. 14 by always pressing the input key (enter key) after the input using the numeric keys. In this case, since there is only one reading unit, the cost of the apparatus can be reduced.

  It is necessary to unify the user's fingerprint information so that it can be read from the index finger of the right hand, for example. Even without this, it is possible to take a fingerprint from a desired finger to some extent.

  In either case, if the fingerprint cannot be read, a message may be displayed on the screen to explain to the user, and the fingerprint may be obtained by placing the finger on the key again.

  The embodiment of the present invention has been described above.

  In the first to seventh embodiments, the case where a fingerprint is used as biometric information used for personal authentication has been described. However, other biometric information such as a palm print, iris, retina, etc. is used as the biometric information. It may be.

  In the first to sixth embodiments, the personal information of the owner of the IC card is stored in the IC card as in the seventh embodiment, and the personal information stored in the IC card is stored in the biometric information. Instead, it may be used together with biometric information to perform personal authentication. For example, when an IC card user receives a birthday or phone number and compares it with the birthday or phone number stored as personal information on the IC card, if the two match, the person using the personal information Assume that authentication is successful.

It is a block diagram which shows the structure of the IC card payment terminal which concerns on 1st Embodiment of this invention. It is a figure which shows the transaction history information recorded on the IC card which concerns on 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 3rd Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 4th Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 5th Embodiment of this invention. It is a block diagram which shows the structure of the IC card payment terminal which concerns on 6th Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 6th Embodiment of this invention. It is a block diagram which shows the structure of the IC card payment terminal which concerns on 7th Embodiment of this invention. It is a flowchart which shows operation | movement of the IC card payment terminal which concerns on 7th Embodiment of this invention. It is a block diagram which shows the other structure of the IC card payment terminal which concerns on 7th Embodiment of this invention. It is a figure which shows the fingerprint reading part of the IC card payment terminal which concerns on embodiment of this invention. It is a figure which shows the fingerprint reading part of the IC card payment terminal which concerns on embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Credit terminal, 2 ... Input part, 3 ... Display part, 4 ... Printing part, 5 ... Arithmetic processing part, 6 ... Modem part, 7 ... Transaction history information storage part, 8 ... IC card read / write part, 9 ... Fingerprint reading , 10 ... IC card, 11 ... connection part, 12 ... arithmetic processing part, 13 ... transaction history information storage part, 14 ... ID information storage part, 15 ... personal identification number storage part, 16 ... fingerprint information storage part, 17 ... POS Terminal, 18 ... Input unit, 19 ... Display unit, 20 ... Printing unit, 21 ... Arithmetic processing unit, 22 ... Modem unit, 23 ... Transaction history information storage unit, 24 ... IC card read / write unit, 25 ... Fingerprint reading unit, 26 DESCRIPTION OF SYMBOLS IC card 27 ... Connection part 28 ... Arithmetic processing part 29 ... Amount information storage part 30 ... ID information storage part 31 ... PIN code storage part 32 ... Fingerprint information storage part 33 ... Personal computer 34 ... Input unit, 35... Display unit, 36 DESCRIPTION OF SYMBOLS Printing part 37 ... Arithmetic processing part 38 ... Modem part 39 ... Customization information storage part 40 ... IC card reading / writing part 41 ... Fingerprint reading part 42 ... IC card 43 ... Connection part 44 ... Arithmetic processing part 45 ... amount information storage unit, 46 ... ID information storage unit, 47 ... personal identification number storage unit, 48 ... fingerprint information storage unit, 49 ... personal information storage unit, 50 ... electronic wallet terminal, 51 ... input unit, 52 ... display , 53 .. arithmetic processing unit, 54... Customization information storage unit, 55... IC card read / write unit, 56... IC card, 57 .. connection unit, 58. 61, personal information storage 71, IC card

Claims (12)

An IC card settlement apparatus that performs settlement of commercial transactions using an IC card in which a personal identification number and biometric information of an authorized owner of the IC card are stored,
A payment amount accepting means for accepting an input of the amount to be settled;
A password receiving means for receiving an input of a password from an IC card user; a biological information reading means for reading biological information from an IC card user;
When the entered payment amount is lower than a predetermined value, the PIN number received by the PIN code receiving means is checked for a match between the PIN number stored in the IC card and the two PIN numbers match. A first settlement means for performing settlement;
When the input amount for payment is higher than a predetermined value, the biometric information read by the biometric information reading means is checked for a match between the biometric information stored in the IC card and the biometric information matches. An IC card settlement apparatus, comprising: a second settlement means for performing settlement. Commerce using an IC card that stores the PIN code of the legitimate owner of the IC card, biometric information, and history information of payment using the IC card that can calculate the number of payments using the IC card IC card payment device
A payment amount accepting means for accepting an input of the amount to be settled;
A password receiving means for receiving an input of a password from an IC card user; a biological information reading means for reading biological information from an IC card user;
When the number of payments using the IC card obtained from the history information stored in the IC card does not exceed a predetermined value, the password received by the password receiving means matches the password stored in the IC card. A first payment means for making a payment when the two passwords match,
When the number of settlements using the IC card obtained from the history stored in the IC card exceeds a predetermined value, the biometric information read by the biometric information reading means and the biometric information stored in the IC card are checked for coincidence A second settlement means for performing settlement when both pieces of biometric information match,
An IC card settlement apparatus, comprising: history information updating means for updating history information stored in an IC card in accordance with the contents of settlement performed when settlement is performed. Using an IC card in which a personal identification number of a legitimate owner of the IC card, biometric information, and history information of payment using the IC card that can calculate the total amount of payment using the IC card are stored , An IC card settlement device for settlement of commercial transactions,
A payment amount accepting means for accepting an input of the amount to be settled;
A password receiving means for receiving an input of a password from an IC card user; a biological information reading means for reading biological information from an IC card user;
When the cumulative amount of payment using the IC card obtained from the history information stored in the IC card does not exceed a predetermined value, the password received by the password receiving means and the password stored in the IC card A first settlement means for performing a settlement when both passwords match,
When the cumulative amount of payment using the IC card obtained from the history stored in the IC card exceeds a predetermined value, the biometric information read by the biometric information reading means matches the biometric information stored in the IC card A second payment means for making a payment when both pieces of biometric information match,
An IC card settlement apparatus, comprising: history information updating means for updating history information stored in an IC card in accordance with the contents of settlement performed when settlement is performed. The IC card settlement apparatus according to claim 1, 2, or 3,
In the second settlement means, the personal identification number received by the personal identification number acceptance means matches the personal identification number stored in the IC card, and the biological information read by the biological information reading means is stored in the IC card. An IC card payment apparatus characterized in that payment is made only when biometric information matches. The IC card settlement apparatus according to claim 1, 2, 3 or 4,
The first settlement means stores the biometric information read by the biometric information reading means and the IC card when the security code received by the security code acceptance means and the password stored in the IC card do not match. An IC card payment apparatus characterized in that a match is made with biometric information and payment is made when both pieces of biometric information match. An IC card settlement apparatus that performs settlement of commercial transactions using an IC card in which a personal identification number and biometric information of an authorized owner of the IC card are stored,
A password receiving means for receiving an input of a password from an IC card user; a biological information reading means for reading biological information from an IC card user;
A check is made for a match between the password received by the password receiving means and the password stored in the IC card. If the two passwords match, payment is made. An IC card payment apparatus characterized by comprising: a payment means for checking a match between the biometric information read by the information reading means and the biometric information stored in the IC card, and making a payment when the biometric information matches. The IC card settlement apparatus according to claim 1, 2, 3, 4, 5 or 6,
A new PIN number accepting unit that accepts an input of a new PIN number that the IC card user wishes to use in the future and the biometric information read by the biometric information reading unit and the biometric information stored in the IC card are checked. An IC card settlement apparatus comprising: a personal identification number updating unit that updates a personal identification number stored in an IC card to a new personal identification number received by a new personal identification number acceptance unit when the biometric information matches. The IC card settlement apparatus according to claim 1, 2, 3, 4, 5, 6 or 7,
The IC card settlement apparatus, wherein the biometric information is fingerprint information. An IC card processing device for authenticating an IC card user using a personal identification number and fingerprint information of an authorized owner of the IC card stored in the IC card,
An IC card process comprising: an input unit that accepts an input of a personal identification number by a fingertip from an IC card user; and a reading unit that reads fingerprint information from the fingertip placed in the input unit for inputting the personal identification number apparatus. An IC card processing device for processing an IC card in which personal information of the owner of the IC card is stored,
A means for providing a user interface for providing services to an IC card user;
An IC card processing apparatus comprising means for customizing a user interface provided to an IC card user according to personal information stored in the IC card.
A method for authenticating an IC card user in an IC card settlement apparatus that performs settlement of a commercial transaction using an IC card in which a personal identification number and biometric information of an authorized owner of the IC card are stored,
If the possible damage caused by unauthorized use of the IC card is low, check the match between the PIN received from the IC card user and the PIN stored in the IC card, and settle if both PINs match If the possible damage caused by unauthorized use of the IC card is high, the biometric information read by the IC card user and the biometric information stored in the IC card are checked, and the biometric information matches. A method for authenticating an IC card user, comprising: a second settlement means for performing settlement. A method for authenticating an IC card user in an IC card settlement apparatus for settlement of a commercial transaction using an IC card in which a personal identification number and personal information of an authorized owner of the IC card are stored,
If the possible damage caused by unauthorized use of the IC card is low, check the match between the PIN received from the IC card user and the PIN stored in the IC card, and settle if both PINs match If the possible damage caused by unauthorized use of the IC card is high, the personal information received from the IC card user and the personal information stored in the IC card are checked, and both personal information match. A method for authenticating an IC card user, comprising: a second settlement means for performing settlement.

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