JP2006192681A - Card system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card system, by which the authenticity of a card can be judged correctly. <P>SOLUTION: This card system consists of cards G, each of which is equipped with a card ID individually, a center server S and a plurality of numbers of terminals 2-4, each of which is equipped with a terminal ID. The center server S is equipped with card IDs and a plurality of informational posts 7 corresponding to these card IDs under the condition that processing attributes corresponding to the card ID and the terminal ID corresponded to the card ID are memorized beforehand and addresses corresponding to the terminal IDs are specified beforehand in a plurality of the informational posts 7. The center server S is equipped with a function for specifying the card ID corresponding to the terminal ID, when it is received, and the address in the informational post 7 corresponded to the terminal ID, a function for writing data sent from the terminal corresponded to the terminal ID in this specified informational posts 7 and a function for allowing to perform the processing attributes memorized beforehand when data have been written in all the necessary informational posts 7. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a card system that receives provision of goods or services based on a card having an ID, or performs cash settlement.

Conventionally known card systems, when the card is presented, confirm the authenticity of the card, and then provide products and services that are processing attributes embodied in the card, or make a cash settlement, etc. It was to be executed.
It should be noted that prior art related to this invention has not been investigated.

  Even if the authenticity of the card is confirmed as described above, the authenticity cannot be accurately determined. For this reason, for example, the card cannot be converted into cash and distributed freely.

  An object of the present invention is to provide a card system that can accurately determine the authenticity of a card.

  The first invention comprises a user card having an individual card ID, a center server, and a plurality of terminals having terminal IDs. The center server includes the card ID and the card ID. A plurality of information posts corresponding to each of the information posts is stored, and in this information post, addresses are specified in advance for each of the processing attribute registration column, the terminal ID registration column, and the registration column for registering other necessary items. When the center server receives the terminal ID, the center server receives the card ID corresponding to the terminal ID and the function for identifying the address of the registration field in the information post, and the registration field corresponding to this address from the terminal. The function to write data and the execution of the processing attribute stored in advance when data is written in all the necessary registration fields. It has a feature in that a function of variable.

  In the second invention, when the center server receives the terminal ID, the center server specifies the card ID corresponding to the terminal ID and the address of the information post, and the center server specifies the terminal ID in the specified information post. When writing data from a terminal that is associated with, the function to check whether data has already been written to the information post, and when data has already been written to the information post, refusal to execute the processing attribute And a function for determining

In the third invention, the center server has a function of rejecting the execution of the processing attribute when data is not registered in all necessary information posts.
In a fourth aspect of the invention, when the center server inputs a lock function for restricting execution of processing attributes registered in advance in the information post, and either an unlock key for unlocking or a security code for unlocking, It is characterized in that it has a function of releasing the lock.

  According to the first invention, when data is written in all necessary information posts among the information posts stored in the center server, it is determined that the condition for executing the processing attribute of the card is satisfied. be able to. Therefore, in this case, for example, more accurate determination can be made than when the authenticity of the card is determined by relying only on the user's personal identification code or the like. Since the authenticity of the card can be easily determined in this way, the card can be freely distributed.

According to the second invention, when data has already been written in the information post, the duplicate writing is rejected, so that the authenticity of the card can be quickly determined.
According to the third invention, since the function of rejecting the execution of the processing attribute is provided when data is not registered in all necessary information posts, the validity of the distribution channel can be easily grasped. .
According to the fourth invention, unauthorized use of the card or the like can be reliably prevented, and the user's confidence can be obtained.

  In the illustrated embodiment, a two-dimensional barcode 1 in which a card ID unique to each card G and a communication URL are displayed on the card G is described.

  The center server S that manages the card ID stores in advance all the card IDs of the issued card G and the distributor of the distributor who purchased the card. The specific process is as follows. It is as follows. For example, if the distributor x purchases a large number of cards G, the merchant x receives its code No. from the center server side. And all the card IDs of the purchased card G are acquired. At this time, the center server S stores the fact that the card G to which the card ID is attached has been purchased by the trader x and that the trader x is the handling source. In other words, the center server S receives the individual card ID and the code number of the merchant x. And associate them with each other and store them.

  The card ID of the card G and the code of the merchant x may be directly stored in the center server S by the merchant x via communication means, or a person on the center server side is notified from the merchant x. You may make it memorize | store in the center server S later. In any case, the center server S recognizes that the card G has been effectively distributed from the time when the card ID of the card G and the code of the trader x are stored.

  A plurality of terminals 2 to 4 and a settlement institution computer 5 are connected to the center server S configured as described above. The terminal IDs of these terminals 2 to 4 and the administrator codes of the terminals 2 to 4 are also described above. Store in the server S in advance. In this case, the terminals 2 to 4 may be dedicated terminals of the system or may be general-purpose terminals that can be used other than the system. In any case, when there is an access from the terminals 2 to 4, the center server S can recognize who has accessed.

  Further, in this system, the center server S can be accessed from a mobile phone 6 as a terminal used by the user in addition to the terminals 2 to 4. That is, when the owner of the mobile phone 6 reads the two-dimensional barcode 1 with the mobile phone 6, the mobile phone 6 reads the URL recorded in the two-dimensional barcode 1 and automatically sends it to the center server S. Accessible.

  On the other hand, the information post 7 shown in FIG. 3 is stored in the center server S. The information post 7 is associated with the card ID. In other words, this information post 7 is provided for each card G one by one. The information post 7 includes a plurality of registration fields a1 to an, and items to be registered in the registration fields a1 to an are determined in advance when the card G is issued. Unique addresses are assigned to the registration fields a1 to an determined in this way.

  The address is the terminal ID of the terminals 2 to 4 or the card ID of the card G. In any case, when information corresponding to a specific address is registered, the center server S The data is registered in the registration fields a1 to an corresponding to the addresses and stored in the center server S. Items to be registered in the registration fields a1 to an are determined in advance.

The method of using the system as described above will be described in detail below. In order to operate this system, what must be negotiated first is how to use the information post 7 corresponding to the card ID of the card G. The registration fields a1 to an are provided and what is registered there. For example,
1. 1. Distributor registration column of distribution source of the card G 2. Card ID registration field for all cards G purchased by the supplier. 3. When an intermediary intervenes in the process of distributing the card G, the intermediate ID and the terminal ID registration field of terminals 2 to 4 used by the intermediary 4. When the amount of money is converted into the card G, the amount registration field 5. 5. Process attribute registration field to be executed by the card G for the end user User password registration field 7. The valid period registration field of the card G, etc.

  As for the matters decided as described above, the registration columns a1 to an of the necessary items are allocated to the information posts 7 stored in the center server S, and addresses are assigned to the registration posts a1 to an, respectively. It is attached. And what can specify a registration item in the initial stage is registered in advance in one of the assigned registration fields a1 to an and stored in the center server S. For those items for which registration items cannot be specified in the initial stage, only the registration field is specified and the address of the registration field is stored in the center server S.

  The card G has a function as, for example, a cash voucher, and is distributed from a distributor x to an intermediary, and the user A who purchases the card hands the card to the final user B as a gift. To do.

  First, the card IDs of all cards G handled by the distributor x are registered in the center server S in advance. Note that when the card ID is registered in the center server S, the validity of the card G is recognized. However, the procedure for registering all the card IDs may be registered in advance by the issuing company that issued the card G by accessing the center server S, or the distribution company x that purchased the card G. May also access the center server S and register.

At the stage where the validity of the card G is recognized as described above, the information posts 7 corresponding to the individual card IDs of the cards G are specified in advance. 1. Registration field of 1. 1. Distributor registration column of distribution source of the card G 2. Card ID registration field for all cards G purchased by the supplier. 3. When an intermediary intervenes in the process of distributing the card G, the intermediate ID and the terminal ID registration field of terminals 2 to 4 used by the intermediary 4. When the amount of money is converted into the card G, the amount registration field 5. 5. Process attribute registration field to be executed by the card G for the end user User password registration field 7. The validity period registration column for the card G is set in advance.

  Among the information posts 7 set as described above, for example, the code number of the distributor x, the expiration date of the card and the processing attribute to be executed by the card G can be registered in advance. Are registered in advance in a predetermined registration field. Other than these, only the registration field corresponding to the registration item and its address are specified. Note that the amount of money to be converted into a card may be determined in advance when the card is issued, or may be determined each time the card is sold.

  Now, if the card G is distributed from a distributor x to an intermediary such as a wholesaler y, the wholesaler y reads the two-dimensional barcode 1 with a terminal. When the two-dimensional barcode 1 is read in this way, the terminal is connected to the center server S based on the URL displayed on the two-dimensional barcode 1. When the terminal of the wholesaler y accesses the center server S, the center server S reads the card ID displayed on the two-dimensional barcode 1 to identify the information post 7, while reading the terminal ID of the terminal, Specify the address of the post 7 registration field. When the information post and the address in the registration field are specified in this way, the center server S registers the terminal ID in the registration field corresponding to the address. In this way, the terminal ID of the intermediate trader registered in advance in the distribution process is registered in the predetermined registration field, whereby it is possible to confirm that the card G is distributed through the regular route. If another registration has already been made in the registration field corresponding to the address at this stage, the registration is refused so that a new registration is not made at the same address, and the card G is an illegal card. judge.

  The card G is distributed as described above, and the card G is finally arranged at the storefront of the retail store z. At this time, the retail store z also purchases the card G by itself. The two-dimensional bar code 1 is read using the terminal of No. 1 and the center server S is accessed. The center server S reads the terminal ID of the retail store z and registers it in a predetermined registration field in the same manner as described above.

  The user A who has purchased the card G from the retail store z can register the personal identification number when using the card G in the center server S using the mobile phone 6, for example. The user A is informed in advance of the address in the password registration column of the information post 7.

  Then, when the user A reads the two-dimensional barcode 1 using the optical reading means of his / her mobile phone 6 and accesses the center server S, the center server S is displayed on the two-dimensional barcode 1. The information post 7 is specified based on the existing card ID, and the password entered by the user A is registered at the address specified via the mobile phone 6 of the user A. When the amount is not specified in advance, it may be specified at this point when the user A purchases the card G. When the amount is specified at this time, the retail store z naturally registers the specified amount in the amount registration field of the information post 7.

  Assume that the card G purchased by the user A is provided as a gift to the end user B, for example. At this time, the user A contacts the final user B in advance with the password registered as described above. This contact may be made by telephone or by e-mail. In any case, before the final user B purchases a product using the card G, the password may be transmitted from the user A to the final user B.

  Then, the end user B goes to a predetermined retail store z and purchases a product corresponding to the amount of money embodied in the card G. At this time, the retail store z uses a terminal similar to the above. When the center server S is accessed, the center server S selects an information post corresponding to the card ID based on the card ID as described above.

  When the information post is selected as described above, the center server S checks whether the password is registered in the address for registering the password in the information post registration field. If the password is registered, the retailer z terminal is prompted to input the password. Therefore, when the personal identification number is input from the end user B side through the terminal of the retail store z, the center server S is registered in advance in the personal identification number input from the final user B side and the personal identification number registration field of the information post. Compare the password with the password and determine if it is correct. If the code number is not correct, a signal refusing execution of the processing attribute is transmitted to the terminal of the retail store z.

  Even if it is determined that the personal identification number is valid as described above, the validity of the card G is determined based on whether or not the essential items set in advance in the center server S are registered in all the registration fields. Is done. That is, the center server S checks whether all necessary items are registered in the registration column of the information post, and if all of them are registered, the center server S indicates that the processing attribute is permitted to be executed. It transmits to the terminal of the retail store z. On the other hand, when the necessary items are not registered in the necessary registration column of the information post, the validity of the card is denied and the fact that the processing attribute is rejected is transmitted to the terminal of the retail store z.

  Then, when execution of the processing attribute is completed between the retail store z and the final user B, the retail store z accesses the center server S using a dedicated terminal and registers the completion of execution of the processing attribute in the center server S. By doing so, the center server S discards the card G corresponding to the card ID, and thereafter prevents the card corresponding to the card ID from being used.

  Note that the distributor x and the retail store z may be the same. In any case, these distributors x, wholesalers y, or retail stores z need only acquire the qualification to use the system in advance, and the wholesalers y are not necessarily distributed. The use qualification of the system is to register the terminal ID in the center server S as described above.

  In this embodiment, the settlement server computer 5 is connected to the center server S. However, any settlement method may be used. In short, the center server S determines whether the password is correct and whether all necessary items are registered in the registration column of the information post, and when they are registered, the computer 5 and the center server S of the settlement institution are registered. Settlement is performed between

  Furthermore, although the above-mentioned embodiment demonstrated the case where the card | curd G was passed to a user via the wholesaler y and the retail store z from the distribution agency x, for example, the said card | curd is made into a postcard and using the postcard G It is also conceivable to send the right to receive a gift or service as a processing attribute from the sending user A to the receiving user B. In this case, the card ID of the postcard G must be registered in the center server S in advance, as in the case described above. In this case, the two-dimensional barcode 1 needs to be pre-written with a signal that can be automatically accessed by the device that has read the barcode, such as a mobile phone or a personal computer, to the center server S. is there.

  And the utilization in said case is as follows. For example, when the user A communicates with the center server S using the mobile phone 6, the two-dimensional barcode 1 is read using the optical reading means of the mobile phone 6. When the two-dimensional barcode 1 is read in this way, the access signal written in the two-dimensional barcode 1 is read, and the mobile phone 6 is automatically connected to the center server S. When using a personal computer, the URL of the center server S and the card ID are manually entered.

  When the center server S is accessed from the mobile phone 6 as described above, the center server S uses the information ID linked to the card based on the card ID recorded in the two-dimensional barcode 1. And check its effectiveness. That is, it is determined whether or not necessary items are registered in advance in the registration column of the information post corresponding to the card ID. If all necessary items are registered, the center server S inquires of a terminal such as the mobile phone 6 of the user A about what processing attribute is desired.

The inquiry from the center server S is executed by transmitting an input form stored in the center server S to a terminal such as a mobile phone. In this input form, predetermined processing attributes are displayed. In accordance with this input form, a processing attribute is transmitted from the terminal such as the mobile phone 6 to the center server S. Further, when this processing attribute is transmitted, the mail address of the terminal of the user B who is the recipient of the postcard G is also transmitted.
When the center server S receives the processing attribute transmitted from the user A side and the mail address of the user B who is the receiving side, the center server S registers the processing attribute in the information post 7 associated with the postcard G. The card ID written in the two-dimensional barcode 1 is invalidated, and a new card ID is associated with the postcard G.

  When the new card ID is associated with the postcard G as described above, the center server S transmits the card ID newly associated with the terminal of the user B using the mail address of the user B, Register it in the information post 7. Further, when the user B tries to distribute the postcard G to the user C, the user B repeats the action of the user A. That is, the user B accesses the center server S and transmits the mail address of the user C to the center server S. The center server S that has received the mail address invalidates the card ID specified for the user B, associates the new card ID with the postcard G, and registers the mail address of the user C as a terminal. The user C is notified of the newly associated card ID.

  In order to prevent unauthorized use of the postcard G, it is possible to lock the information post so that the above amount cannot be used and services cannot be received unless the lock is actively released. . In order to lock in this way, the mobile phone 6 requests the center server S to lock, and the request method may be as follows, for example. That is, as described above, when the center server S prompts the mobile phone 6 to input processing attributes including the amount of money, service contents, etc., the center server S makes an inquiry as to whether or not to lock the mobile phone 6. 6 automatically. In response to this inquiry, when the mobile phone 6 clicks a predetermined button or requests the center server S to request a lock, the center server S locks the information post, and the lock is not released thereafter. As long as the processing attribute registered in the information post cannot be executed.

  When the information post is locked as described above, the center server S carries both the lock release key for releasing the lock and the password for unlocking as a reply to the lock request communication from the mobile phone 6. Communicate to phone 6. Then, the center server S thereafter does not permit execution of the processing attribute registered in the information post 7 unless either the lock release key or the unlock code is input to the center server S.

  The reason why both the unlock key and the unlock code are provided as described above is as follows. For example, when the user A who has registered the processing attribute in the center server S executes the processing attribute registered in the information post 7, the lock release key is used. The unlock code is used when the user A presents the postcard G as a gift to the final user B as the destination. That is, the user A who is the sender notifies the final user B who has received the postcard G of the lock release code number in advance. The notification method may be telephone or electronic mail, and any means can be used as long as the recipient (final user) can be notified in advance.

  The final user B who has received the postcard G that has been locked as described above can use the unlocking personal identification number received from the user A to release the lock. To release the lock, an unlock registration field is provided in the information post, and the unlock code registered by the last user B in the unlock registration field and the lock registered in the lock registration field as described above. When the center server S compares the release code number and they are the same, the center server S releases the lock and permits execution of the processing attribute.

  Even if the user A does not notify the final user B of the unlock code, if the user A instructs the center server S to release the lock using the unlock key, the center server S unlock. In this case, for example, the final user B contacts the user A so as to release the lock, and the user A releases the lock in response to the notification. In this way, for example, the user A is prevented from illegally using the postcard G that represents the amount of money.

It is a reverse view of a card. It is a circuit diagram. It is explanatory drawing of an information post.

Explanation of symbols

G card (postcard)
1 2D barcode S Center server 2-4 Terminal 7 Information post a1-an registration field

Claims (4)

  It consists of a user card with an individual card ID, a center server, and a plurality of terminals with terminal IDs. The center server has a plurality of cards corresponding to the card ID and the card ID. An information post is stored, and in this information post, addresses are specified in advance for each of a processing attribute registration column, a terminal ID registration column, and a registration column for registering other necessary items. A function of specifying the card ID corresponding to the terminal ID and the address of the registration column in the information post when receiving the terminal ID, and the function of writing data from the terminal in the registration column corresponding to the address; When data is written in all necessary registration fields, a function for permitting execution of the processing attribute stored in advance is provided. For example was the card system.   When the center server receives the terminal ID, it specifies the card ID corresponding to the terminal ID and the address of the information post, and writes the data from the terminal associated with the terminal ID to the specified information post A function for determining whether data is already written in the information post, and a function for rejecting data writing in the information post when the data is already written in the information post. 1. The card system according to 1.   3. The card system according to claim 1, wherein the center server has a function of outputting a signal that denies the validity of the card and rejects the execution of the processing attribute when data is not registered in a necessary information post. .   The center server has a lock function that restricts the execution of processing attributes registered in advance in the information post, and a function that unlocks the lock when either the unlock key for unlocking or the security code for unlocking is entered. The card system according to any one of claims 2 to 4, further comprising:

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