JP2007095020A - Card, method for transaction confirmation and settlement processing of in-store shopping using same card, method for transaction confirmation and settlement processing of on-line shopping using same card, transaction processing device of on-line shopping, its program and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card for preventing fraudulent withdrawal and fraudulent use by a stolen card or forged card, and a system for preventing fraudulent transaction. <P>SOLUTION: The card, instead of a conventional card, has no name displayed thereon, stores an identification code structured of a plurality of dots or lines which is readable by a computer, and furthermore, stores the number of use of the card, and can prevent the fraudulent use by the forged card. Even when the card is lost or stolen, it is very difficult to guess the name from the card without the name, and the number of use of the card is stored in a host computer for processing the card. Therefore, the use of the forged card does not correspond to the number of use of an authentic card, and the fraudulent use can be found out. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a card for preventing unauthorized use by a counterfeit card, a card for preventing unauthorized use of a stolen or lost card, a transaction confirmation and settlement processing method for store shopping using the card, and the card. The present invention relates to a transaction confirmation and settlement processing method for online shopping, a transaction processing apparatus for online shopping, a program thereof, and a recording medium.

Conventionally, there are credit cards, debit cards, cash cards, and various membership cards as cards. Each of these cards has the name of the user (contractor) written on the card. These cards may be used by others for theft or loss. There are many cases where counterfeit cards are made and used. Of course, when a card is used, some cards are printed with a photo or an IC chip to make it difficult to counterfeit, or even when used by others, it can be easily detected. In order to prevent unauthorized use by others, a cash card or the like is registered with a password in advance, and a password is entered at the time of use to determine whether or not it is a genuine card holder. However, the personal identification number tends to be a number that is easy for the cardholder to remember, and since the number is four digits, it is not so difficult to see the personal identification number. The complicated PIN code is often forgotten by the cardholder itself, and it is apt to use the birthday code, phone number, car number, etc. as the PIN code.
With a credit card, when the card is in the owner's hand, let the owner sign the card and have it signed in front of the seller at the time of use, verify that the signature is the same as the card's signature, Authentic owner certification. However, the method of verifying the identity with the signature is questionable as to whether the seller will enthusiastically verify the signature. For the seller, payment is made by notifying the card company of the card number and the name of the owner, so the identity of the card user is not so enthusiastic about whether or not the card holder is the true owner of the card. In many cases, counterfeit cards that have stolen the card information are used by impersonating the person and signing. Even a card with a photo reads the information in the card and creates a counterfeit card, so it is used by impersonating the person by attaching a photo to the counterfeit card.
A patent application has also been filed for a credit card that can prevent signature forgery. This is a card in which the signature pattern is converted into a two-dimensional code and the encoded two-dimensional code is formed on the card surface.
In addition, an electronic card with fingerprint reading, in which a fingerprint reading unit is provided on the card, has been devised for the purpose of identity verification. A card for verifying the identity by such biometric authentication (fingerprint or palm print) has also been devised. In addition, there is a plan to use a mobile terminal such as a mobile phone for the purpose of identity verification.
Patent Publication 2000-127664 Patent Publication 2000-222541 Patent Publication 2004-355223 The card is originally used by the card owner itself, and it is not assumed that a third party will use the card on behalf of the card, but the card is used by someone nearby because of an emergency or illness. You may have to ask. In biometric authentication etc., it cannot be made since the substitution. In addition, when verifying the identity of a person using a mobile phone or the like, not all people have mobile phones. Identity verification is absolute for safety, but it is sometimes inconvenient.

  Conventionally, when shopping with a credit card at a store, since the card is given to the seller, all of the card information is disclosed to the seller. Even with a card containing an IC chip, all the information stored on the card will be stored on the seller's computer, and all information on the card will be read by a malicious seller or a third party stealing the card information. Cards are made and abused.

  In online shopping on the Internet, customers place orders on the Internet for goods and services proposed by sellers. As a settlement means, there are a transfer method from a bank or a post office, a price exchange method for exchanging the price for goods and a credit card method. Payment with a credit card is easy, but the seller must be informed of the card number, and there is a risk that the card number will be known to a third party. Moreover, if it is a malicious seller, a card number may be abused and a fictitious transaction may be carried out. In the conventional transaction, the credit card company does not directly confirm the transaction details between the seller and the buyer (customer), and does not directly confirm whether or not the credit card is authentic. Based on the credit card number, you can simply verify the card owner and contact the seller. Therefore, conventional credit card payments are high risk.

Problems to be solved by the invention

  The card of the present invention is a card that has a function that does not exist in the conventional card, and the problem to be solved by the present invention is that it can be lost, stolen and handed over to another person, It is to provide a credit card, a cash card and various cards that are considerably difficult to be used by others even if they are stolen and forged. It is another object of the present invention to provide a transaction confirmation and settlement processing method for preventing fraudulent transactions and fictitious transactions when shopping at a store and online shopping using the Internet using such a card.

Means for solving the problem

The following measures are taken to provide credit cards and cash cards that cannot be easily used even in the hands of others.
The first is that the name (registered name) when using the card, which is determined in advance with the card issuing company (card company), is not displayed on the card. The registered name is a name used when the card is used, and does not necessarily have to be a real name. The registered name is not stored on the card surface or as information that can be read by a computer. Do not display information on the card's identity on the card. It is not stored as computer-readable information.
The second is to give an identification code to the card. The identification code is stored inside the card as computer readable information. The identification code is stored in the computer of the card company main body, and is used as a code for checking and outputting the registered name and other information.
The third is to store the number of times the card has been used and / or the calculated number of times of use obtained by substituting the number of times of use for a certain calculation formula. The card is programmed to send the latest use count value and / or use count calculation value to a host computer).
The fourth is a card that can be used to check the validity of the card at any time.
By using a card having such characteristics, it is possible to prevent unauthorized use of a card that has been lost or stolen by someone else or using a counterfeit card that has been made by stealing card information.

Furthermore, in the shopping using the card storing the identification code, the card user is genuine when the card is paid directly in front of the seller at the store and when the card is settled by online shopping on the Internet. The method for identifying whether the transaction is an owner is different from the method for determining whether the transaction is a genuine transaction, whether it is an illegal transaction or a fictitious transaction.
When shopping in front of a seller at a store, the registered name registered by the customer in advance to the card company is notified to the seller, and the registered name is also notified from the seller to the card company together with the identification code and card number recorded on the card. The registered name stored in the host computer is checked and the registered name and card number are used to confirm that the card holder is genuine. Provided is a transaction confirmation and settlement processing method for eliminating such a fraudulent card holder.

In the case of online shopping on the Internet, in the conventional method, the customer informs the seller of the card number, the card company, the expiration date and the name, and charges the transaction amount from the seller to the card company. The card company obtains the transaction details between the seller and the customer only from the seller's information, and without knowing whether the transaction is genuine or correct, the card number and the customer name are used for the seller. I was paying. Or, the card company was not involved and didn't know at all whether someone other than the cardholder was shopping without permission.
In the present invention, the seller and the customer simultaneously notify the card company of the transaction number, and the customer's identification code and registered name are notified from the customer to the card company, thereby solving the above problem. A genuine online shopping transaction confirmation and settlement processing method is provided.

The invention's effect

  The card of the present invention has the following four features. That is, the name is not displayed on the card. An identification code is assigned to the card. Each time a card is used, the number of times the card has been used (number of times used) and / or the number obtained by substituting the number of times of use into a predetermined formula (number of times used) is stored. The host computer is notified of the latest use count and / or use count calculation value. In addition, you can always check if the card is valid.

The effect of a card whose name (registered name) is not displayed will be described.
Even if the card is stolen or lost, and the card is in the hands of another person, when using the card, the registered name must be entered, so the registered name must be found. However, since there is no registered name or other information on the card, it is not easy for the person with the card to find the registered name. The registered name may be other than the real name. There are many people with the same name in the world, so there may be several people with the same name. Therefore, if the person with the same name has another name, for example, if the person is Taro Yamada and the name of the wife or child is Hanako Yamada, then either Taro Hanako or Hanako Taro can be registered. If Kana and English are accepted, “Taro Hanako” and “TAROHANAKO” can be registered as different persons. Of course, “Hanako Taro” and “HANAKOTARO” can be registered as different persons. You can also register at “Yamada Taro Hanako”. Alternatively, “Yamada Hajimenoko Taro” may be used. Any name that can be definitely used by the person is acceptable. You can add the name of your favorite flower or animal before or after your name, or even in the middle to create a registered name. For example, “Baranosei Yamada Hanako” or “Lion Maruyama Tataro” may be used. In this way, even if a card is stolen with a car license, it is difficult to assign a registered name. In order to use the card, the card cannot be used unless the name of the card owner is entered, so it seems that the use of a stolen card or a counterfeit card is almost eliminated. Even if you have something you know like a car license, it ’s difficult to guess. This card is strong against theft and loss.
In the conventional cash card, the name of the issuing bank, the branch number of the issuing bank, the account number, the account holder, etc. are described. If you insert this cash card into a reader and enter your PIN, you can deposit cash, withdraw cash, transfer money, etc. The password is usually a four-digit number that is easy for the cardholder (card user) to remember. Counterfeit cards have come out, and it is instructed not to use a personal identification number as a birthday or a phone number, but with random numbers, users themselves can not remember, so use related numbers become. Also, even if it is a random number, you can find it if you go up to 10,000 times. The card without the name display of the present invention can be used only by entering the name of the card owner, so it is much safer than the conventional card, and the card owner will not forget the registered name and easily Can be used.
Of the information entered on a conventional credit card or cash card, a card with no owner name entered and a card with an identification code entered can be created separately, and the two cards can be used in combination. it can.

Next, the effect of the card in which the card usage count is updated and stored each time the card is used will be described.
The card of claim 7 updates and stores the value of the card usage every time the card is used, and sends the card information to the card company. The number of uses is notified. Each time the host computer receives card information, the host computer stores and stores the number of times of reception. The number of times of use increases sequentially from 1. If the number of times of use becomes discontinuous, if the card is programmed to be immediately invalidated, unauthorized use can be prevented. . For example, even if the card information and registered name are stolen, a counterfeit card is created and illegally used by a third party, the number of times the genuine card is used differs from the number of times the counterfeit card is used. Unauthorized use is detected, and the card use prohibition measure can be taken immediately. When the authentic card is used for the 15th time, the card information and registered name are stolen. If a counterfeit card is created, the number of times the counterfeit card is used at that time is fifteen. If the genuine cardholder subsequently uses the card, the authentic card usage count becomes 16, and the authentic usage count stored in the authentic card is updated to 16. If the authentic card is used before the forged card is used, the latest use count (16) of the authentic card is notified to the host computer. The host computer uses 16 times. If the counterfeit card is used later, the use count of the host computer is updated to 17. In the host computer, every time information is transmitted from the card, the number of times of use is added and stored one by one. Therefore, the number of times of use of a counterfeit card is added to the latest number of times of use 16 of the genuine card, The number of uses is updated to 17 and stored. However, the number of uses transmitted from the counterfeit card is 16, and the number of uses 16 is notified to the host computer. Originally, the number of uses should be 17, and unauthorized use is detected at this point. You can also see where the authentic card information was stolen. If the genuine cardholder does not use the card for a long time after the 15th use, it will not be detected even if a counterfeit card is used. This is because if the counterfeit card is counterfeited when the number of use is 15, the counterfeit card use count data is 15, and the subsequent use count continues to the authentic card use count. In this case, unauthorized use is not detected. When the number of use of the counterfeit card reaches 20, if the authentic card user uses the card, the use count of the authentic card is 16, and the host computer is notified of the use count of the card at 16. However, at this time, the number of uses is 20 in the recording of the host computer, which is discontinuous, and unauthorized use of the card is detected. Immediately the seller will be notified that the card is invalid.

The numerical value obtained by substituting the numerical value of the number of uses (usage number value) into a predetermined calculation formula is used as the usage count calculation value, and the host computer assigns the reception count value to the same calculation formula. If the numbers match, it is considered that the card is used correctly. If the numbers do not match, it is determined that the card has been used illegally, and the card is immediately stopped. Can do. If the calculation formula is changed depending on the customer, even if a part of the data of another person's card is replaced with data from another card, the calculated number of times of use is different, so the host computer immediately confirms the discrepancy. .
The use count calculation value or the reception count calculation value is calculated based on the calculation formula even if the card use count (the number of times the card information is transmitted to the host computer) is continuous, and therefore, it is not always continuous.
For example, the use count value is N, and the calculation formula is M = 3N + 1. M is a use count calculation value. When the use count value is 5, the use count calculation value M is 16. The reception count calculation value is 16 because the same calculation formula is used. Card information is stolen by various methods of skimming to create counterfeit cards, but if the program for calculating the number of times of use (or the number of times of reception is calculated) is not stolen, the number of counterfeit cards is calculated. The value is different from the calculated reception count of the host computer.
Assume that a forged card is made by skimming card information when the use count value of a genuine card is 5 and the calculated use count value is 16. When this counterfeit card is used, the use count value becomes 6, but since the calculation formula of the original card is not in the counterfeit card, the use count value does not become 19 when the use count value is 6. For this reason, the host computer can be regarded as using a counterfeit card.
The program for updating the use count value and the program for calculating the use count calculation value are not fixed data, but a program for obtaining a variable. Such a program is usually written in an IC chip for an IC card. The IC chip is composed of a central processing unit, a storage device and an input / output port, or a central processing unit, a storage device, an input / output port and a coprocessor. The storage device is a device for storing programs and data, and the central processing unit performs arithmetic operations. The input / output port is where communication with the outside occurs. The use count value is stored in the storage device, and a calculation program is also stored in the storage device. Each time the card information is transmitted to the host computer, it is programmed so that the use count value is updated. In addition, a calculation formula for calculating the use count value and a program for substituting the use count value to obtain the use count calculation value are also stored in the storage device. The calculation is arithmetically performed by a central processing unit, and a use count calculation value is obtained and stored in a storage device. In addition, a card identification code, a card number, and the like are stored in the storage device. These data are transmitted from the input / output port to the host computer. The use count value and the use count calculation value are the resulting data. Even if these data are stolen by skimming etc., the same result cannot be obtained unless the program is stolen. It will be overlooked.

The card of claim 8 is a card (SOS card) for invalidating the card when the genuine card is stolen and used. This card stores the card usage count value and usage count calculation value as 0. If this card is inserted into a computer and sent to the host computer, the card usage count value and usage count calculation value are received by the host computer. Since the number of times is different from the calculated number of times of reception, the host computer automatically takes a card stop action. This is a card to stop using the card immediately.

The effects of a card that records a program for checking the validity of the card will be described.
If the owner of the authentic card does not use the authentic card for a long period of time, if the person who has the counterfeit card uses it illegally, the number of times the counterfeit card is used continues. The reception count value of the card stored on the host computer side is also continuous because it receives communication from the counterfeit card.
Since the two usage count values and the reception count value match, the host computer does not determine that the usage is illegal. Abuse is not detected for a long time. To prevent this, if the card is inserted into the computer and the host computer is requested to confirm its validity, the number of times the authentic card is used will be continuous. Will continue to be added. Even if a counterfeit card is made, if the authentic card holder calls the host computer for confirmation of validity, one authentic card use count value is added and the host computer receive count value is also equal. However, the number of times a counterfeit card is used is one less, and unauthorized use can be immediately detected.
Thus, even if the card information is completely stolen, the creation and use of a forged card may be deceived.
The card of claim 9 is a card that stores a code (valid confirmation code) for requesting validity confirmation. If the host computer receives information from the card, check this code. It is programmed so that it is determined that the validity check has been requested and processed.

The effect of the card assigned with the identification code will be described.
In online shopping on the Internet, the buyer (customer) notifies the seller of the card number, the card company name, the customer address, and the name (registered name). At this point, the seller knows the card information of the customer, but the identification code is only sent directly from the customer to the card company, and the seller cannot know the identification code of the card. Even a malicious seller cannot forge a card.
Further, the identification code classifies customer information stored in the card company's host computer such as identity information including a registered name and other information such as customer financial information (debited financial institution name, account number, etc.). Since it can also be used as a code, it helps to prevent personal information leakage.
In addition, the identification code acts as a substitute for the name and also has a function as a classification code, so that customers can be managed by region or by age. It is also possible to store the customer's (cardholder's) face photo and registered name in the host computer, and to output the customer's face photo to the seller's computer by presenting the identification code for easy identification it can. Or, conversely, a camera is attached to the seller's computer, the card user's face photo is sent to the host computer by the computer, and the face photo stored on the host computer is checked to see if it is an authentic card holder. You can also check. When using a cash card at a financial institution, attach the camera to an ATM (automated teller machine), copy the face of the card user with the camera, send it to the host computer, and the face of the cardholder stored in the host computer Can be verified with an identification code to verify the identity and prevent unauthorized use.

The present invention is a card for preventing unauthorized use, and a transaction confirmation and settlement processing method for preventing fraudulent transactions and fictitious transactions when using this card for over-the-counter shopping or online shopping on the Internet. .
The invention of the first card will be explained. The card can be read by a computer with claim 1 or claim 2 or claim 3 or claim 4 or a password or other identification code consisting of a combination of numbers, characters and symbols. Is remembered. Further, each time the card is used, the card usage count value is updated, and the updated usage count value is stored in the card. Further, a numerical value (use count calculation value) obtained by substituting the card use count value into a predetermined calculation formula is also stored. When the card usage count value is updated, the usage count calculation value is also updated. When the card information is notified to the host computer, the updated usage count value and usage count value of the card are transmitted to the host computer. In such a card, the registered name of the card owner is not displayed on the surface of the card, and the card is not stored in the card nor readable by a computer.
In addition to the identification code and card number, when the card is inserted into the computer, an instruction to enter the registered name and other necessary information is issued. When the registered name and other necessary information are entered, the card is sent. The command to say is displayed. When the send button is pressed, that is, when “Send” is clicked, the card usage count is calculated, the usage count is updated, and then sent to the host computer together with the identification code, card number, registered name, etc. It is programmed to be notified.
Furthermore, when the card is inserted into the computer and a predetermined operation is performed, a screen for requesting the card validity check is output, and when a certain operation is performed, a code for requesting the card validity check; Along with the identification code and card number stored in the card, the latest use count value and use count calculation value are transmitted to the host computer. On the host computer side, the code for requesting card validity confirmation is received, the customer file of the card is extracted from the identification code or card number, and the latest reception count value and reception count calculation value of the card in the customer file Is compared with the transmitted use count value and the use count calculation value, and if the numbers match, the card is checked for validity and sent to the computer in which the card is inserted to check the card validity. If the use count value and the use count calculation value do not match, an invalidity transmission notification is sent to the computer in which the card is inserted, and the card use stop processing is performed. If the transmission notification requesting card validity is also included in the card usage count, the number of card usage counts is the number of times the card has actually been used and the number of times the card has been validated. This number is the number of receptions stored in the customer file of the host computer. Even if a counterfeit card is made, it does not match the number of times the card is used stored in the counterfeit card. If a counterfeit card is used at this time, the card does not match the reception count value stored in the host computer, and the card is invalidated.
FIG. 16 is an example of a flowchart of a program showing a procedure for updating the number of times of use. It is programmed so that the number of times of use is added not only when it is actually used, but also when the validity of the card is requested. Therefore, there is a high possibility that the number of times of use stored in the counterfeit card is different from the number of times of use of the authentic card, and the invalidity of the card due to the mismatch of the number of times of use is declared, preventing unauthorized use of the card. be able to.
By substituting the usage count value into the determined formula and storing a program that calculates the usage count calculation value, it is different from the counterfeit card usage count calculation value. Use can be prevented.
The best mode of the embodiment of the card of the present invention is summarized as follows.
(A) The registered name is not displayed on the card.
(B) An identification code is stored instead of the registered name.
(C) The card usage count value and / or the usage count calculation value obtained by substituting the usage count value into a certain calculation formula is programmed so as to be updated and stored every time the card is used.
(D) Validity of the card can be confirmed, and the card usage count value and the usage count calculation value are updated each time the validity check is requested.
This card has the above characteristics.

The identification code given to the card will be described.
The identification code of claim 1 is the identification code of FIG.
An arbitrarily shaped figure (identification basic figure) composed of a plurality of points is connected to a left-right asymmetric mark (base point mark) 1, and each point (identification point) 2 constituting the figure of any shape is displayed. The figure is configured in either of the following states: no display or no display. This figure is an identification pattern. 2 and 3 show the identification pattern. This is an identification code configured in this way. If the figure in FIG. 1 is an identification basic figure, the figures in FIGS. 2 and 3 are identification patterns. FIG. 1 is also one of the identification patterns. The base point mark is the shape of a note among these figures. The identification basic figure may be a circle, a trapezoid, a polygon, or a flower. The base mark may be any figure as long as the positional relationship with the basic identification figure is constant and the shape is asymmetrical on the left and right and top and bottom. Kanji or symbols can be used. It is a mark for matching the figure of the identification code. When comparing two identification codes, the base point mark is matched, and then the identification pattern is matched to see if they match. This is because the shape of the left-right asymmetric shape is that of the front side figure with the same identification code identification pattern. Even if the identification pattern on the front side of the identification code is accidentally the same as the identification pattern on the back side of another identification code, the two identification codes are recognized as separate figures so that they are asymmetrical. In addition, since the base point mark is always connected to the identification basic figure at the same position, even if the shape formed by the plurality of displayed identification points is the same, for example, a shape that is diagonally triplet, It is possible to determine whether or not they have the same identification pattern from the positional relationship with the mark.
The identification basic figure can be any shape that connects all the outer points, such as a circle, polygon, or a bird-like shape. If necessary, the inside can have a plurality of points. Each point is displayed or not displayed, and a graphic formed only by the displayed points is an identification pattern. For example, in the case of a figure composed of 100 points, the identification pattern is 2 to the 100th power. Except when all the points are not displayed, that is, when nothing is displayed, the identification pattern is a value obtained by subtracting 1 from 2 to the 100th power.

The second identification code is the identification code shown in FIG. 4, FIG. 5, or FIG.
Polygons of different sizes are arranged so as to surround them in order, and the center point of the center and the vertex of the innermost polygon (octagon in FIG. 4) are connected by a line (identification line) 3 and adjacent polygons It is a figure that connects the vertices of each with a line. In the octagon of FIG. 4, 48 identification lines 3 can be formed. The combination is 2 to the 48th power, and is a number obtained by subtracting 1 from the 48th power of 2 except for a figure (blank paper) on which no line is displayed. 5 and 6 are identification codes showing different identification patterns.

As shown in FIGS. 7, 8, 9, and 10, the third identification code is an arbitrary figure (basic figure) that is left-right and vertically asymmetric and does not overlap even if a circle rotates at an arbitrary angle. It has one or more points inside or inside and outside the figure. FIG. 7 shows a basic figure 4. It is a figure that is left-right and up-down asymmetric and does not overlap even if it rotates in a circle at an arbitrary angle. Any shape such as butterfly shape, flower or car can be used. FIG. 8 is a figure in which all the points are displayed and is called an identification basic figure. FIG. 1 and FIG. 4 also show all identification points and identification lines, and are basic identification figures. FIG. 9 and FIG. 10 are identification codes indicating different identification patterns. 8, 9, and 10, * is drawn instead of a point. However, in order to make the identification pattern easy to understand, it is more convenient, simple, and practical to display the point by simply using *. is there.

As shown in FIG. 11, the fourth identification code has an arbitrary number, symbol, character, pattern, or figure as a start mark 6, and finally an arbitrary number, symbol, character, pattern, or figure different from the start mark. As the end mark 7, a plurality of points (identification points) 2 are provided between the start mark 6 and the end mark 7, and each identification point is displayed or not displayed, and is formed only by the displayed points. The figure to be identified is an identification pattern

The embodiment of the card is the same as that described in the best mode for carrying out the invention, and therefore will be omitted.
An embodiment of a transaction confirmation and settlement processing method for over-the-counter shopping using the card of the present invention will be described. FIG. 12 is an explanatory diagram (block diagram) for explaining the procedure of the shop shopping transaction confirmation and settlement processing method. The transaction confirmation and settlement processing for store shopping can be executed by the following procedure. It is described in claim 10.
(A) A customer orders goods or services from a seller.
(B) The customer provides a card to the seller.
(C) The customer notifies the seller of the registered name of the card.
(D) The seller inputs the registered name, the seller's name, the seller ID number, and the transaction amount into a computer connected to the card company's host computer.
If the seller's name and seller ID number are set in advance in the seller's computer so that they are automatically notified when they are sent to the host computer, they do not need to be entered for each transaction.
(E) Insert the customer's card into the seller's computer, and send the identification code, card number, card usage count value and / or usage count calculation value information to the host computer along with the information entered by the seller.
As the usage count value, an updated numerical value obtained by adding one to the previous usage count value (stored usage count value) is transmitted. FIG. 15 shows a flowchart of the program to which the use count value is added.
(F) Information transmitted to the card company's host computer is stored as a received information file (customer information file) in the host computer by the received information storage means.
(G) Using the identification code in the customer information file, a customer file having the same identification code is extracted from the customer files stored in advance in the host computer.
(H) The customer information file and each registered name and card number in the customer file are collated to confirm whether they match.
(I) If the registered name and the card number do not match, or if either does not match, the transaction is invalidated, the transaction invalidation is notified to both the seller and the customer, and the transaction is terminated.
(J) When the registered name and the card number match, it is checked whether the card use count value matches the reception count value in the customer file.
(You may check whether the usage count calculation value matches the reception count calculation value.)
(K) If the card usage count value or usage count calculation value and the reception count value or reception count calculation value do not match, invalidate the transaction, notify both the seller and the customer of the transaction invalidation, and terminate the transaction. Take a card stop action.
(L) Using the seller ID number contained in the received information file (customer information file), the seller file stored in advance in the host computer is taken out.
(M) The seller name in the received seller information is compared with the seller name in the seller file to confirm that they are identical.
(N) If the seller's name does not match, the transaction is invalidated, both the seller and the customer are notified of the transaction invalidation, and the transaction is terminated.
(O) If the seller's name matches, the seller and the customer are notified of the transaction approval, the seller pays the transaction amount, the customer is notified of the transaction amount withdrawal, and the withdrawal procedure is performed.
(P) Once the transaction is approved, the seller provides goods or services to the customer.
The above-described procedure is a procedure for executing transaction confirmation and settlement processing for storefront shopping.
A program that allows the computer to execute other procedures, except for the procedures described above, which are ordered directly by a person such as ordering a product or service, entering a registered name directly, or delivering a product or service. The recording medium on which the program is recorded is a program and a recording medium for realizing transaction confirmation and settlement processing in store shopping.
The card number can be used in place of the identification code without using the identification code.

FIG. 13 is an explanatory diagram (block diagram) for explaining the procedure of the online shopping transaction confirmation and settlement processing method on the Internet. This is an online shopping transaction confirmation and settlement processing method for causing a computer to execute online shopping transaction confirmation and settlement processing according to the following procedure. It is described in claim 11.
(A) The customer orders goods or services from the seller, and notifies the seller of the card number and card company. (If necessary, notify the card expiration date)
(B) The seller notifies the customer of the transaction number of this transaction.
(C) The seller notifies the card company of the card number, transaction number, transaction amount, seller name and seller ID number.
(D) The customer inserts the card into the computer, inputs the registered name and transaction number, and sends the registered name and transaction number to the card company's host computer. When the card is transmitted to the host computer, it is programmed so that the identification code, the card number, the card usage count value and / or the usage count calculation value are automatically transmitted. The use count value is a numerical value obtained by adding 1 to the latest use count value recorded on the card. This numerical value is updated and recorded as the card usage count value. Further, a numerical value obtained by substituting this use frequency value into a predetermined calculation formula is a use frequency calculation value.
(E) The card company stores the seller information transmitted from the seller in the seller information file in the host computer.
(F) The card company stores the customer information transmitted from the customer in the customer information file in the host computer.
(G) Using the transaction number in the seller information file or the customer information file, search the transaction number in the customer information file or the seller information file, collate, and if the transaction numbers match, combine both information .
(H) Using the identification code or card number in the transmitted customer information file, the customer file having the same identification code or card number is extracted from the customer file stored in advance in the host computer. .
(I) Each time a new reception is made, the reception frequency value stored in the customer file is updated by adding 1, and becomes the latest reception frequency value. Based on the updated reception count value, the reception count calculation value is also updated.
(J) The customer information file and each registered name and card number in the customer file are checked to see if they match.
(K) If any one of the registered name and the card number does not match, the transaction is invalidated, the seller and the customer are notified of the transaction invalidation, and the transaction is terminated.
(L) The card usage count value in the customer information file is compared with the reception count value and / or usage count calculation value in the customer file and the reception count calculation value is checked to see if the values match. To do.
(M) If each value or one of the values does not match, it is determined that the card has been illegally used, the transaction is invalidated, the transaction invalidity is notified to the seller and the customer, the transaction is terminated, and the card Take action to stop using.
(N) If the numerical values match, the seller file having the same seller ID number is extracted from the seller file stored in advance in the host computer using the seller ID number in the seller information file. .
(O) The seller name in the seller file is compared with the seller name in the seller information file to confirm that they are identical.
(P) If the seller's name does not match, the transaction is invalidated, the seller and the customer are notified of the transaction invalidation, and the transaction is terminated.
(Q) If the seller's name matches, the seller and the customer are notified of transaction approval, the seller is paid, the customer is notified of the transaction amount, and the withdrawal procedure is performed.
(R) Once the transaction is approved, the seller provides goods or services to the customer.
This is an online shopping transaction confirmation and settlement processing method for causing a computer to execute online shopping transaction confirmation and settlement processing by the above procedure.
A program for causing a computer to execute the above procedure and a recording medium on which the program is recorded are a program and a recording medium for realizing online shopping transaction confirmation and settlement processing.

The flow when the card of the present invention is used as a cash card is as shown in FIG. That is, a transaction confirmation and card processing method using a cash card that causes a computer to execute transaction confirmation and card processing using a cash card according to the following procedure. What is described in claim 16.
(A) The customer inserts the card into the computer (card reader) and enters the registered name instead of the password.
(B) The registered name entered is the host together with the card number, identification code, and card usage count (usage count value and usage count calculation value) that were automatically read when the card was inserted into the computer. Sent to the computer.
(C) The host computer uses the transmitted identification code or card number to retrieve a customer file having the same identification code or card number stored in the host computer.
(D) The card reception count value in the customer file is incremented by one each time card information is received, and is updated and stored as a new use count value. The reception count calculation value is also updated and stored.
(E) The registered name in the customer file is compared with the registered name in the transmitted customer information, and it is confirmed whether or not they match.
(F) If the registered names do not match, the transaction is invalidated and the transaction is terminated.
(G) Check the card reception count value (and / or reception count calculation value) in the customer file with the card use count value (and / or use count calculation value) in the transmitted information; Check if the numbers match.
(H) If the numerical values do not match, the transaction is invalidated, the transaction is terminated, and the card is stopped.
(I) If they match and match, it is determined that the authentic owner of the card is using the authentic card, and the customer's financial information is output to the computer with the card inserted.
(J) The customer performs necessary processing such as cash withdrawal, deposit, and transfer in accordance with instructions from the computer.
(K) The financial information (modified financial information) after performing the necessary processing is transmitted to the host computer and stored in the customer file of the host computer.
The above is the transaction confirmation and card processing method using a cash card.
In the conventional cash card, the owner of the card is confirmed with a personal identification number. However, in the card of the present invention, the registered name is entered, the registered name is verified, and whether or not they match is confirmed. Since the card usage count value and / or the usage count calculation value are collated and confirmed, it can be confirmed more safely. Checking the card usage count value and usage count calculation value is unnecessary for both card companies and customers if the computer is programmed so that the computer automatically processes it by simply inserting the card into the computer and sending it to the host computer. You don't have to worry about it.

  Damage caused by counterfeit cash cards at ATMs (automatic cash deposit and withdrawal machines) continues, and the introduction of biometrics such as fingerprints and palm prints is called out for identity verification. A biometric authentication device is expensive and 100% cannot be authenticated. Instead, it is only necessary to attach a camera to the ATM, copy the face of the ATM user, send it to the host computer, and collate it with a face photo registered in advance in the host computer. In addition to the registered name list file, the registrant face photo list is also registered in the host computer. The registered name and registrant's face photo are put in a folder or file with an identification code, and the folder or file with the same identification code as the identification code stored on the card is searched, and the face photo folder or file is taken out. It is only necessary to confirm the verification. Such a processing apparatus is provided in the host computer.

An online shopping transaction confirmation and settlement processing apparatus characterized in that the host computer includes the following means. This will be described with reference to FIG. It is described in claim 12.
(A) To store information transmitted from the seller, usually information such as the seller's name, seller ID number, registration name, card number, transaction number, transaction amount, etc. in a storage location provided in the host computer Seller information storage means.
(B) Information transmitted from the customer, that is, information including an identification code, a registered name, a card number, a card usage count value and / or a usage count calculation value, and a transaction number is stored in a storage location provided in the host computer. Customer information storage means for storing.
(C) Transaction number matching means for matching the transaction number in the seller information stored in the seller information storage means with the transaction number in the customer information stored in the customer information storage means.
(D) Information combination means for combining seller information and customer information having the same transaction number verified by the transaction number verification means. Combining two pieces of information means providing two files (a seller information file and a customer information file) in one folder.
(E) Extracting a customer file for retrieving an identification code from the customer information file in the information merged by the information merging means, searching for a separately stored customer file, and retrieving a customer file with the same identification code means.
(F) A reception frequency storage means provided in the customer file, which updates the reception frequency each time card information is received and stores the updated reception frequency value.
(G) A reception frequency calculation means for obtaining a reception frequency calculation value by substituting the reception frequency value stored in the reception frequency storage means into the same calculation formula as that for calculating the card usage frequency calculation value.
(H) The registered name in the customer file extracted by the customer file extracting means and the registered name in the customer information file in the information merged by the information merging means are collated to confirm whether they are the same. Registered name verification checking means A.
(I) Transaction invalidity determination means A that determines that the transaction is invalid, notifies the transaction invalidity to both the seller and the customer, and terminates the transaction when the two registered names collated by the registered name verification confirmation means A do not match. .
(J) Card number collation confirmation means A for collating the card number contained in the customer information file in the information merged by the information merge means with the card number stored in the customer file and confirming whether they are the same .
(K) If the two card numbers verified by the card number verification checking means A do not match, it is determined that the transaction is invalid, the transaction invalidity is notified to both the seller and the customer, and the transaction invalidity determination means B that terminates the transaction. .
(L) Use count value and / or use count calculation value of card contained in customer information file in information merged by information merge means and reception count value and / or reception count calculation stored in customer file Number-of-uses collation confirmation means for collating each value and confirming whether each numerical value matches.
(M) When the card usage count value confirmed by the usage count verification check means does not match the reception count value in the customer file, or the card usage count calculation value and the reception count calculation value in the customer file are A card fraud determination means for determining that the card has been fraudulently used and determining that the transaction is invalid if they do not match.
(N) Card use stop processing means for notifying both the seller and the customer of transaction invalidity and taking card use stop processing when it is determined that the card has been used illegally by the card unauthorized use determination means.
(O) Seller file extracting means for extracting the seller file stored in the host computer using the seller ID number contained in the seller information file in the information merged by the information merging means.
(P) Seller name verification checking means for checking the seller name in the seller file extracted by the seller file extraction means and the seller name in the seller information file.
(Q) Registered name collation confirmation means B that collates the registered name contained in the seller information file with the registered name in the customer file and confirms whether they are the same.
(R) Card number collation checking means B for collating the card number contained in the seller information file with the card number in the customer file and confirming whether they are the same.
(S) When the registered name verification confirmation means B confirms that the two registered names are not the same, or the card number verification confirmation means A or the card number verification confirmation means B confirms that the two card numbers are not the same. The transaction invalidation means for invalidating the transaction, terminating the transaction, and notifying both the seller and the customer of the transaction invalidation.
(T) Payment processing means for notifying the seller of the validity of the transaction and performing a predetermined payment procedure to the seller when all the matched information or numerical values match.
(U) Withdrawal treatment means for notifying the customer that the transaction is valid and performing withdrawal treatment of a predetermined amount when all the collated information or numerical values match.
(V) The received customer information and seller information are deleted or appropriately processed after the transaction is completed.

A card use frequency processing apparatus comprising the following means. What is described in claim 14.
(A) Customer information storage means for storing customer information transmitted from the card.
(B) Use count storage means for storing the use count value and / or the use count calculation value in the customer information stored in the customer information storage means.
(C) Receiving frequency update means for updating the reception frequency value by adding 1 to the reception frequency value in the customer file stored in the host computer each time a transmission from the card is received.
(D) A reception frequency calculation value updating means for substituting the updated reception frequency value at the same calculation time as the calculation formula for calculating the card use frequency calculation value to obtain the reception frequency calculation value.
(E) A usage count value verification unit that verifies the usage count value obtained by the usage count storage unit and the reception count value obtained by the reception count update unit.
(F) Usage count calculation value collating means for collating the usage count calculation value obtained by the usage count storage means with the reception count calculation value obtained by the reception count calculation value update means.
(G) When the number-of-uses value collating means confirms that the two numbers match, and when the number-of-uses calculated value collating means confirms that the two numbers match, the card is valid. Card determining means for determining and determining that the card is invalid if either of the numerical values does not match.
(H) Card validity notifying means for notifying both the seller and the customer of the validity of the card when it is determined that the card is valid based on the determination by the card determining means.
(I) Payment execution means for executing payment to the seller when the card is determined to be valid based on the determination by the card determination means.
(J) A withdrawal processing means for notifying a customer of a withdrawal and performing a procedure for carrying out the withdrawal when it is determined that the card is valid based on the determination of the card determination means.
(K) Card invalidity notification means for notifying the seller and the customer of the card invalidity when it is determined that the card is invalid based on the determination by the card determination means.
(L) Card use stop command means for taking a card use stop action when it is determined that the card is invalid based on the determination by the card determination means.

A card validity check processing device comprising the following means. It is described in claim 15.
(A) Received information storage means for storing information transmitted from the card.
(B) Code confirmation means for confirming a special code, code or password (hereinafter referred to as “validity confirmation code”) for obtaining only the card validity confirmation in the information stored in the received information storage means.
(C) Normal use means for ending the operation for requesting the validity check of the card and returning to normal use of the card when the valid confirmation code cannot be confirmed by the code confirmation means.
(D) Identification code or card number extraction means for extracting an identification code or card number from the reception information stored in the reception information storage means.
(E) An identification code or card number extraction means for extracting an identification code or card number from the received information when the valid confirmation code is confirmed by the code confirmation means.
(F) A customer having the same identification code or card number from the card owner file (customer file) stored in advance using the identification code or card number extracted by the identification code or card number extraction means Customer file extraction means to retrieve files.
(G) A reception frequency extraction unit that extracts a customer file by the customer file extraction unit and extracts a reception frequency value indicating the number of times the card information is received from the customer file.
(H) A reception frequency update unit that updates the reception frequency value by adding 1 to the reception frequency value extracted by the reception frequency extraction unit, and stores it.
(I) A reception count calculation means for updating the reception count calculation value by substituting the reception count value updated by the reception count update means into the same calculation formula as the calculation formula for obtaining the card use count calculation value. .
(J) Usage count extraction means for extracting the card usage count value and the usage count calculation value from the reception information stored in the reception information storage section.
(J) Use count confirmation means A for collating and confirming the use count value in the received information with the updated receive count value in the customer file.
(K) Use count confirmation means B for collating and confirming the use count calculation value in the reception information with the updated reception count calculation value in the customer file.
(L) When the number-of-uses confirmation means A and the number-of-uses confirmation means B confirm that the respective numerical values match, a notice for confirming the validity of the card is sent to the computer (sender's computer) that sent the card information. Card validity confirmation notification means.
(M) When the number-of-uses confirmation means A or the number-of-uses confirmation means B confirms that the numerical values do not match, the card use stop process is performed to notify the sender's computer of the card invalidity and to stop using the card. means.

The identification code can be used not only for classification of goods but also for personal identification, and can also be used as a translation code by replacing words. It can be used in a wide range of industrial fields.
In addition, cash cards and credit cards using identification codes can be used for transactions using the Internet as well as financial relationships. Transactions using the Internet are increasing year by year, but a large amount of card information is stolen, and there are many cases of fraudulent use by making counterfeit cards. In the card of the present invention, since the number of times the card is used is stored and the number of times of use is checked by the host computer, unauthorized use can be immediately detected. Even if a large amount of card information is stolen, unauthorized use can be prevented. In addition to credit cards and cash cards, many membership cards with a credit card function have appeared, and the industrial utility value of cards that can prevent unauthorized use is great.

It is explanatory drawing which shows the basic identification figure of the 1st identification code of this invention. It is explanatory drawing which shows one identification pattern of the 1st identification code of this invention. It is explanatory drawing which shows one identification pattern of the 1st identification code of this invention. It is explanatory drawing which shows the basic identification figure of the 2nd identification code of this invention. It is explanatory drawing which shows one identification pattern of the 2nd identification code of this invention. It is explanatory drawing which shows one identification pattern of the 2nd identification code of this invention. It is explanatory drawing which shows the basic figure of the 3rd identification code of this invention. It is explanatory drawing which shows the identification basic figure of the 3rd identification code of this invention. It is explanatory drawing which shows one identification pattern of the 3rd identification code of this invention. It is explanatory drawing which shows one identification pattern of the 3rd identification code of this invention. It is explanatory drawing which shows one identification pattern of the 4th identification code of this invention. It is explanatory drawing which shows the flow of the transaction confirmation and payment processing method of storefront shopping using the card | curd of this invention. It is explanatory drawing which shows the flow of the transaction confirmation and payment processing method of online shopping using the card | curd of this invention. It is explanatory drawing which shows the flow at the time of using the card | curd in a financial institution. It is a flowchart figure of the program which shows the flow at the time of transmitting information, such as the frequency | count of card use. It is explanatory drawing which shows each means which performs transaction confirmation and payment processing of online shopping, and the flow of transaction confirmation.

Explanation of symbols

1: Identification basic figure 2: Base mark 3: Identification point 4: Basic figure 5: Identification basic figure C
6: Start mark 7: End mark

Claims (18)

Arbitrary-shaped patterns or figures (hereinafter referred to as “identification basic figures”) formed by a plurality of points, and letters, numbers, symbols, pictures, or figures connected to the identification basic figures at fixed positions Or an identification mark composed of a pattern, or a combination of these (hereinafter referred to as “base point mark”), and each point (hereinafter referred to as “identification point”) constituting the basic identification figure is in a display state, or The number of patterns or figures (hereinafter referred to as “identification pattern”) formed by only the displayed identification points can be shown as a non-display state, and 1 is subtracted from the power of the number of all the identification points of 2. A cryptographic code characterized by A figure consisting of one or more polygons of different sizes (hereinafter referred to as “multiple polygons”) with a single point as the central point, and the innermost polygon from the central point A line that passes through one vertex of the polygon, sequentially passes through one vertex of the outer polygon, and connects one vertex of the outermost polygon. In this way, from the center point to the polygon vertex A figure (hereinafter referred to as “identification basic figure B”) provided with a line connecting to the vertex of the outermost polygon as many as the number of polygons connected to the outermost polygon of the figure at a fixed position. 1 is an identification mark composed of the base point mark described in 1. Each of the adjacent vertices and vertices, or each line connecting the central points and vertices (hereinafter referred to as “identification lines”) constituting the basic identification figure B Status or non-display status and can be displayed Number, cipher code which is a number obtained by subtracting 1 from the exponent of the number of all identification line of the second pattern or graphic in the form (identified pattern described in claim 1). Pattern or figure of any shape that is left-right asymmetric, or left-right and up-and-down asymmetric, or left-right asymmetric and does not match even when the circle rotates at any angle, or left-right and up-and-down is asymmetric and does not match even when the circle rotates at any angle (Hereinafter referred to as “basic figure”), or a pattern or figure having one or more points inside and outside (hereinafter referred to as “identification basic figure C”), respectively, constituting the identification basic figure C The point (identification point described in claim 1) can be displayed or non-displayed, and the pattern or figure formed only by the displayed identification point (identification described in claim 1) The encryption code is characterized in that the number of patterns) is a power of the number of all the identification points of 2 minus 1. Arbitrary different symbols or figures are placed at the beginning and end, respectively, as a start mark and an end mark, and a plurality of points (identification points) are provided between the start mark and the end mark, and each identification point is in a display state, Alternatively, a non-display state can be indicated, and a figure formed only by the displayed identification points is used as an identification pattern, and the number of identification patterns is a number obtained by subtracting 1 from the power of the number of all identification points. An encryption code characterized by The name of the owner of the recording medium or card (hereinafter referred to as “registered name”) registered with the recording medium or card issuing company (hereinafter referred to as “card company”) is also displayed on the surface of the recording medium or card. Or a recording medium or a card, which is not stored in a computer-readable recording medium or a card, or claim 1, or claim 2, or claim 3, or claim 4 The code code such as the described encryption code or bar code, or a password consisting of letters, numbers, symbols, etc. (hereinafter collectively referred to as “identification code”) is stored in a computer-readable manner. The recording medium or card or the identification code is stored in a computer-readable manner, and the registered name is a table of the recording medium or card. Display It is not also in a recording medium, characterized in that not also readably stored in a computer, or cards, (simply collectively referred to hereinafter as "Card"). When the card according to claim 5 is inserted into a computer, a command for inputting a registered name or a command for inputting a registered name and necessary information is output and displayed. When a registered name or a registered name and necessary information are input, When the transmission instruction is displayed and the transmission instruction is executed, at least the identification code and registered name, or the identification code and registered name and card number, or these and other inputs are entered into the online card company host computer. 6. The card according to claim 5, further comprising a computer readable program created so that the information is automatically transmitted. Each time the card is used, that is, each time the card information is inserted into a card reader or computer (hereinafter simply referred to as “computer”) and transmitted to a computer that manages card information (hereinafter referred to as “host computer”), The card usage count is updated, and the updated usage count value (hereinafter referred to as “use count value”) and / or a numerical value obtained by substituting the use count value into a predetermined calculation formula (hereinafter “ And the calculation formula for obtaining the use number calculation value is stored in a computer-readable manner, or the card is automatically inserted when the card is inserted into the computer. A computer-readable program created to notify the host computer of the updated usage count value and / or calculated usage count value. Cards were characterized by having a gram or claim 5 and characterized in that it stores the program or claim 6 cards. In the card according to claim 7, the card use count value is set to 0 or a value different from the card use count value according to claim 7, and the use count calculation value is also 0, or the card use count calculation according to claim 7. The card according to claim 7, wherein the value is different from the value. A card according to claim 5, or claim 6 or claim 7, wherein a special code or password (hereinafter referred to as "validity confirmation code") for requesting card validity confirmation is readable by a computer, and the card is stored. If it is inserted into a computer and a predetermined operation is performed to request card validity confirmation, a validity confirmation code is also sent to the host computer together with the card use count value and / or use count calculation value. 8. The card of claim 5, or claim 6 or claim 7, wherein the card is programmed as follows. When carrying out shopping at the store using the card of claim 5, claim 6, claim 7, or claim 9, so-called face-to-face shopping, the authentic owner of the card (hereinafter referred to as “customer”) and the product Alternatively, a transaction confirmation and settlement processing method for over-the-counter shopping performed in the following procedure between a service provider (hereinafter referred to as “seller”) and a card company.
(A) A procedure in which a customer orders goods or services from a seller, provides a card to the seller, and informs the registered name of the customer.
(B) The seller inputs the customer's registered name and transaction amount, and further inputs information previously negotiated with the card company, for example, the seller ID number certifying the seller, and is recorded in the card. The information is sent to the card company together with information such as the card number, identification code, and the number of times the card has been used (usage count value or use count calculation value).
(C) The card company uses the identification code or card number in the obtained information (hereinafter referred to as “customer information”) to search for a customer file stored in advance in the card company's host computer, and the same identification code or Steps to retrieve customer file with card number.
(D) Every time the card information is received, the number of times of reception from the card is updated, and the updated number of times of reception (hereinafter referred to as “reception frequency value”) or the reception frequency value is stored in the card. A procedure for storing a numerical value (hereinafter referred to as “reception count calculation value”) obtained by substituting into the same calculation formula as the calculation count of the number of uses in the customer file.
(E) The card company compares the registered name or registered name and card number in the received customer information with the registered name or registered name and card number in the customer file, and confirms that they match. procedure.
(F) If the registered name and card number or the registered name or card number is confirmed to be inconsistent in the verification check procedure in the previous paragraph, the transaction is invalidated, the transaction invalidity is notified to the seller and the customer, and the transaction is The procedure to finish.
(G) When it is confirmed that the registered name and the card number match, the card usage count value in the customer information and the reception count value stored in the customer file, or in the customer information A procedure for checking the number of times used for use and the number of times received received stored in the customer file to match.
(H) If the number of times of use and the number of times of reception do not match or if the number of times of use calculated and the number of times of reception do not match in the procedure in the previous section, the transaction is invalidated, and the transaction invalidation is determined by seller and customer To notify the customer, terminate the transaction and stop the use of the card.
(I) A procedure for extracting a seller file having the same seller ID number from seller files stored in the host computer in advance using the seller ID number.
(J) A procedure for searching the seller file and confirming the seller's name.
(K) A procedure in which, if the seller's name does not match, the transaction is invalidated, the transaction invalidation is notified to both the seller and the customer, and the transaction is terminated.
(L) A procedure for approving a transaction when the seller is confirmed, notifying the seller of the transaction approval, and performing a payment procedure for the seller.
(M) At the same time, the transaction approval is notified to the customer and the transaction amount is withdrawn. When online shopping is performed on the Internet using the card of claim 5, or claim 6, or claim 7 or claim 9, an information terminal such as a personal computer is used between the customer, the seller and the card company. A transaction confirmation and settlement processing method for online shopping on the Internet performed by the following procedure via the Internet.
(A) A procedure of notifying a seller of a card company name and a card number when a customer selects card settlement.
(B) The seller notifies the customer of the transaction number in the main transaction.
(C) The seller notifies the card company of the seller ID number, the card number provided by the customer, the transaction number, and the transaction amount.
(D) The customer inserts the card into the computer and notifies the card company of the identification code, card number, card usage count value, or usage count calculation value recorded in the card, and inputs it separately. A procedure to send the registered name and transaction number sent together.
(E) A procedure for a card company to retrieve a customer file stored in advance in a host computer of the card company using an identification code among the information transmitted from the customer.
(F) Every time the card information is received, the number of times of reception from the card is updated, and the updated number of times of reception (reception frequency value) or the use frequency value stored in the card is calculated. A procedure for storing the numerical value (reception number calculation value) obtained by substituting into the same calculation formula as the formula in the customer file.
(G) Registration name, card number, use count value and / or use count calculation value in information transmitted from the customer, registration name, card number, and reception count in the customer file stored in the host computer A procedure for checking the numerical value and / or the calculated number of reception times.
(H) If any one of the registered name or card number does not match, the transaction is determined to be invalid, the transaction invalid is notified to the customer and the seller, and the transaction is terminated.
(I) When the card usage count value does not match the customer file reception count value, or the card usage count calculation value does not match the customer count reception count calculation value, A procedure for making a determination, notifying the customer and the seller of the invalid transaction, and further ending the transaction and taking a card suspension procedure.
(J) Registration name, card number, reception count value and / or registration name, card number, card use count value and / or use count calculation value sent from the customer in the customer file stored in the host computer Alternatively, a procedure for determining that the transaction is valid when it matches each of the reception count calculation values.
(K) A procedure for extracting a seller file stored in advance in the host computer using the seller ID number in the information notified by the seller when the transaction is determined to be valid according to the previous section.
(L) A procedure in which the name of the seller sent from the seller is checked against the name of the seller in the seller file.
(M) A procedure for invalidating a transaction when the seller's name does not match, notifying both the seller and the customer of the transaction invalidation, and terminating the transaction.
(N) A procedure in which, when the seller's name matches, the transaction is determined to be valid, and the card company notifies the seller of the approval of the card transaction and performs a payment procedure.
(O) A procedure in which, when it is determined that the transaction is valid, the card company notifies the customer that the transaction amount has been withdrawn and performs a withdrawal process. An online shopping transaction confirmation and settlement processing apparatus characterized in that the host computer includes the following means.
(A) Seller information storage means for storing information including the seller name, seller ID number, registration name, card number, transaction number, and transaction amount transmitted from the seller in a storage box provided in the computer.
(B) For storing information including an identification code, a registered name, a card number, a card use count value and / or a use count calculation value, and a transaction number transmitted from a customer in a storage box provided in the computer. Customer information storage means.
(C) Transaction number matching means for matching the transaction number in the seller information stored in the seller information storage means with the transaction number in the customer information stored in the customer information storage means.
(D) Information combination means for combining seller information and customer information having the same transaction number verified by the transaction number verification means.
(E) Extraction of customer file for extracting identification code from customer information in information combined by information combining means, searching separately stored customer file folder, and extracting customer file with same identification code means.
(F) A reception frequency storage means provided in the customer file, which updates the reception frequency each time card information is received and stores the updated reception frequency value.
(G) A reception frequency calculation means for obtaining a reception frequency calculation value by substituting the reception frequency value stored in the reception frequency storage means into the same calculation formula as that for calculating the card usage frequency calculation value.
(H) Registration for checking whether or not the registered name in the customer file extracted by the customer file extracting means and the registered name contained in the customer information in the information combined by the information merging means are the same Name verification confirmation means A.
(I) Transaction invalidity determination means A that determines that the transaction is invalid, notifies the transaction invalidity to both the seller and the customer, and terminates the transaction when the two registered names collated by the registered name verification confirmation means A do not match. .
(J) Card number collation confirmation means A for collating the card number contained in the customer information in the information merged by the information merge means with the card number stored in the customer file and confirming whether they are the same.
(K) If the two card numbers verified by the card number verification checking means A do not match, it is determined that the transaction is invalid, the transaction invalidity is notified to both the seller and the customer, and the transaction invalidity determination means B that terminates the transaction. .
(L) The use count value and / or use count calculation value of the card included in the customer information in the information merged by the information merge means and the reception count value and / or the reception count calculation value stored in the customer file The number-of-uses matching check means for checking each and checking whether each numerical value matches.
(M) When the card usage count value confirmed by the usage count verification check means does not match the reception count value in the customer file, or the card usage count calculation value and the reception count calculation value in the customer file are A card fraud determination means for determining that the card has been fraudulently used and determining that the transaction is invalid if they do not match.
(N) Card use stop processing means for notifying both the seller and the customer of transaction invalidity and taking card use stop processing when it is determined that the card has been used illegally by the card unauthorized use determination means.
(O) Seller file extracting means for extracting the seller file stored in the host computer using the seller ID number included in the seller information in the information combined by the information combining means.
(P) Seller name verification checking means for verifying the seller name in the seller file extracted by the seller file extraction means and the seller name in the seller information.
(Q) Registered name collation confirmation means B for collating the registered name contained in the seller information with the registered name in the customer file and confirming whether or not they are the same.
(R) Card number collation confirmation means B for collating the card number contained in the seller information with the card number in the customer file and confirming whether or not they are the same.
(S) When the registered name verification confirmation means B confirms that the two registered names are not the same, or the card number verification confirmation means A or the card number verification confirmation means B confirms that the two card numbers are not the same. The transaction invalidation means for invalidating the transaction, terminating the transaction, and notifying both the seller and the customer of the transaction invalidation.
(T) Payment processing means for notifying the seller of the validity of the transaction and performing a predetermined payment procedure to the seller when all the matched information or numerical values match.
(U) Withdrawal treatment means for notifying the customer that the transaction is valid and performing withdrawal treatment of a predetermined amount when all the collated information or numerical values match. 13. The online shopping transaction confirmation and settlement processing apparatus according to claim 12, wherein a special code or password (hereinafter referred to as “online shopping code”) indicating online shopping is included in the information transmitted from either the seller or the customer. 13. The online reading system according to claim 12, further comprising: code reading means for reading the online shopping code, and work ending means for ending work when the online shopping code cannot be read by the code reading means. Shopping transaction confirmation and payment processing device. A card use frequency processing apparatus comprising the following means.
(A) Customer information storage means for storing customer information transmitted from the card.
(B) Use count storage means for storing the use count value and / or the use count calculation value in the customer information stored in the customer information storage means.
(C) Receiving frequency update means for updating the reception frequency value by adding 1 to the reception frequency value in the customer file stored in the host computer each time a transmission from the card is received.
(D) A reception frequency calculation value updating means for substituting the updated reception frequency value at the same calculation time as the calculation formula for calculating the card use frequency calculation value to obtain the reception frequency calculation value.
(E) A usage count value verification unit that verifies the usage count value obtained by the usage count storage unit and the reception count value obtained by the reception count update unit.
(F) Usage count calculation value collating means for collating the usage count calculation value obtained by the usage count storage means with the reception count calculation value obtained by the reception count calculation value update means.
(G) When the number-of-uses value collating means confirms that the two numbers match, and when the number-of-uses calculated value collating means confirms that the two numbers match, the card is valid. Card determining means for determining and determining that the card is invalid if either of the numerical values does not match.
(H) Card validity notifying means for notifying both the seller and the customer of the validity of the card when it is determined that the card is valid based on the determination by the card determining means.
(I) Payment execution means for executing payment to the seller when the card is determined to be valid based on the determination by the card determination means.
(J) A withdrawal processing means for notifying a customer of a withdrawal and performing a procedure for carrying out the withdrawal when it is determined that the card is valid based on the determination of the card determination means.
(K) Card invalidity notification means for notifying the seller and the customer of the card invalidity when it is determined that the card is invalid based on the determination by the card determination means.
(L) Card use stop command means for taking a card use stop action when it is determined that the card is invalid based on the determination by the card determination means. A card validity check processing device comprising the following means.
(A) Received information storage means for storing information transmitted from the card.
(B) Code confirmation means for confirming a special code, code or password (hereinafter referred to as “validity confirmation code”) for obtaining only the card validity confirmation in the information stored in the received information storage means.
(C) Normal use means for ending the operation for requesting the validity check of the card and returning to normal use of the card when the valid confirmation code cannot be confirmed by the code confirmation means.
(D) Identification code or card number extraction means for extracting an identification code or card number from the reception information stored in the reception information storage means.
(E) An identification code or card number extraction means for extracting an identification code or card number from the received information when the valid confirmation code is confirmed by the code confirmation means.
(F) A customer having the same identification code or card number from the card owner file (customer file) stored in advance using the identification code or card number extracted by the identification code or card number extraction means Customer file extraction means to retrieve files.
(G) A reception frequency extraction unit that extracts a customer file by the customer file extraction unit and extracts a reception frequency value indicating the number of times the card information is received from the customer file.
(H) A reception frequency update unit that updates the reception frequency value by adding 1 to the reception frequency value extracted by the reception frequency extraction unit, and stores it.
(I) A reception count calculation means for updating the reception count calculation value by substituting the reception count value updated by the reception count update means into the same calculation formula as the calculation formula for obtaining the card use count calculation value. .
(J) Usage count extraction means for extracting the card usage count value and the usage count calculation value from the reception information stored in the reception information storage section.
(J) Use count confirmation means A for collating and confirming the use count value in the received information with the updated receive count value in the customer file.
(K) Use count confirmation means B for collating and confirming the use count calculation value in the reception information with the updated reception count calculation value in the customer file.
(L) When the number-of-uses confirmation means A and the number-of-uses confirmation means B confirm that the respective numerical values match, a notice for confirming the validity of the card is sent to the computer (sender's computer) that sent the card information. Card validity confirmation notification means.
(M) When the number-of-uses confirmation means A or the number-of-uses confirmation means B confirms that the numerical values do not match, the card use stop process is performed to notify the sender's computer of the card invalidity and to stop using the card. means. This is a transaction confirmation and card processing method using a cash card that causes a computer to execute transaction confirmation and card processing using a cash card in the following procedure.
(A) Insert the card into a computer (card reader).
(B) Enter a registered name.
(C) Press the send button.
(D) One use count value stored in the card is added and stored as an updated use count value. At the same time, the use frequency calculation value obtained by substituting the use frequency value into a predetermined calculation formula is stored.
(E) The input registration name is transmitted to the host computer together with the identification code automatically read from the card, the card number, and the card usage count.
(F) The host computer stores the transmitted information as customer information.
(G) Using the identification code or card number in the stored customer information, retrieve the customer file having the same identification code or card number stored in the host computer.
(H) When the customer file is retrieved, the card reception count value is incremented by one and updated and stored as a new use count value. The reception count calculation value is also updated and stored.
(I) The registered name in the customer file and the registered name in the transmitted customer information are collated to confirm whether they match.
(J) If the registered names do not match, the transaction is invalidated and the transaction is terminated.
(K) The card reception count value (and / or reception count calculation value) in the customer file is compared with the card use count value (and / or usage count calculation value) in the transmitted customer information. Check if the numbers match.
(L) If the numerical values do not match, the transaction is invalidated, the transaction is terminated, and the card is stopped.
(M) If all match, it is determined that the authentic owner of the card is using the authentic card, and the customer's financial information is output to the computer with the card inserted.
(N) The customer performs necessary processing such as withdrawal of cash, deposit, and transfer in accordance with instructions from the computer.
(O) The financial information (corrected financial information) after performing the necessary processing is transmitted to the host computer and stored in the customer file updated in the host computer. The program for making a computer perform the procedure of Claim 10 or Claim 11, or the program for implement | achieving the online shopping processing apparatus of Claim 12, or the online shopping processing apparatus of Claim 13 15. A program for realizing the card use frequency processing device according to claim 14, or a program for realizing the card validity checking processing device according to claim 15, or The program for implement | achieving the transaction confirmation and card | curd processing method by 16 cash cards. A computer-readable recording medium on which the program according to claim 17 is recorded.

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