JP2007128134A - Card authentication system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card authentication system, capable of preventing abuse while suppressing the cost. <P>SOLUTION: When a user inserts a cash card 10 to a terminal device 20 and inputs a personal identification number, the terminal device 20 optically reads a public two-dimensional bar code from the cash card 10, generates a key code based on the personal identification number, restores a two-dimensional bar code based on the public two-dimensional bar code and the key code, converts the resulting two-dimensional bar code to an account number, and transmits the account number to a host computer 30. The host computer 30 performs authentication of the received account number and gives a use permission to the terminal device 20 when it is valid. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a technique for authenticating a card medium such as a cash card.

  Conventionally, cash cards have been used to withdraw deposits from financial institutions. Information is recorded on such a cash card by magnetism, and information recorded on magnetism is read by a machine such as ATM.

  However, recently, due to technological advances, magnetic information is read and misused by a miniaturized magnetic reader. In order to prevent such abuse, an IC card is also used, but there is a problem that costs are increased.

  In view of the above points, an object of the present invention is to provide a card authentication system capable of preventing abuse while suppressing cost.

  In order to solve the above problems, in the present invention, an optical reading unit that reads a public two-dimensional barcode from a cash card on which a public two-dimensional barcode is printed, a personal identification number input unit that inputs a personal identification number, and the input Key code generation means for generating a key code corresponding to the personal identification number, the read public two-dimensional barcode, and a two-dimensional barcode generation means for restoring a two-dimensional barcode based on the generated key code And a card authentication system having information converting means for converting the restored two-dimensional barcode into account specifying information, and authenticating means for authenticating using the account specifying information obtained by the conversion.

  According to the present invention, a public two-dimensional barcode is optically read from a cash card, while a key code is generated on the basis of an input password, and a two-dimensional barcode is generated on the basis of the public two-dimensional barcode and the key code. Since the code was restored, this two-dimensional barcode was converted into account identification information, and legitimacy authentication was performed using this account identification information, thus preventing abuse while suppressing the cost of cash card manufacturing Is possible.

DESCRIPTION OF EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.
(Card structure)
First, the structure of the cash card 10 used in the card authentication system according to the present invention will be described. FIG. 1 is a plan view of a card used in the card authentication system of the present invention. In FIG. 1, 1 is a card substrate, and 2 is a public two-dimensional barcode. The cash card used in the present invention is not characterized in the card base 1 and is different in that a public two-dimensional barcode is printed on the card base. Further, the name and account number of the holder are printed on the card substrate 1 as in the case of the conventional magnetic card. It is.

  Here, a method of creating a public two-dimensional barcode printed on the surface of a cash card will be described. The public code can be created by a known technique as disclosed in International Publication No. 04/090804 (hereinafter referred to as Patent Document 1). Specifically, first, information such as a name and an account number is converted into a two-dimensional barcode by a standardized method to obtain an original two-dimensional barcode. As this original two-dimensional barcode, a QR code or the like is well known. Then, the password for this account is similarly converted into a two-dimensional bar code by a standardized method to obtain a key code. After that, a public two-dimensional barcode is obtained by applying a key code to the original two-dimensional barcode.

  As described above, a public two-dimensional barcode is created for each account, and this public two-dimensional barcode is printed on a cash card. Since the public 2D barcode cannot be restored as it is, the public 2D barcode printed on the cash card can be taken and information can be obtained from it. I can't.

(System configuration)
Next, a card authentication system according to the present invention will be described. FIG. 2 is a block diagram of the card authentication system of the present invention. In FIG. 2, 20 is a terminal device, 30 is a host computer, and 40 is a communication line. The terminal device 20 is a so-called ATM, and deposits and withdrawals etc. are possible using a cash card. The terminal device 20 in the present invention includes optical reading means for reading a public code printed on a cash card in addition to means for performing a procedure for an account provided in a normal ATM, a password input means, and the like. ing. The host computer 30 is a computer managed by a financial institution such as a bank, and has a function of accessing an account number database based on information from the terminal device 20 and performing a cash card authentication process or the like.

(System processing operations)
Next, the processing operation of the system shown in FIG. 2 will be described. First, the user inserts the cash card 10 shown in FIG. 1 into the card insertion slot provided in the terminal device 20 and reads it in the same manner as the use of the cash card in the conventional ATM. When the terminal device 20 recognizes that the cash card 10 has been inserted, the optical reading means optically reads the public two-dimensional barcode printed at a predetermined position on the cash card 10. Thereby, an image of the public two-dimensional barcode is taken into the terminal device 20.

  The user inputs the password after inserting the cash card 10 into the terminal device 20. The password is input by directly specifying the number using a keyboard or a touch panel, as in the conventional ATM. When the personal identification number is input, the terminal device 20 generates a key code by converting the personal identification number into a two-dimensional barcode.

  Subsequently, the terminal device 20 generates a source text two-dimensional barcode by using the captured public two-dimensional barcode and a key code generated based on the password. Specifically, it is performed by a technique as disclosed in Patent Document 1 above.

  When the original two-dimensional barcode is generated, the terminal device 20 restores basic information, that is, the name and account number of the account holder from the original two-dimensional barcode. This can be realized by a method of restoring information from the standardized two-dimensional barcode. Then, these pieces of information are transmitted to the host computer 30.

  The host computer 30 checks whether the name and account number of the account holder received from the terminal device 20 exist in the account number database, and if so, information that the account is valid. Is transmitted to the terminal device 20. When the terminal device 20 receives information indicating that it is valid from the host computer 30, the terminal device 20 shifts to a state in which the user can proceed to the account.

  In this way, when the procedure becomes possible, the user can perform the procedure from the terminal device 20 for the bank account corresponding to the cash card as in the conventional case.

  The preferred embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made. For example, the public two-dimensional barcode 2 printed on the card base 1 of the cash card 10 shown in FIG. 1 is printed with ink visible to human eyes, but is disclosed using a transparent ink. The barcode 2 may be printed. A transparent ink is an ink having infrared absorption or divergence characteristics other than visible light, unlike ordinary ink. Since the optical reading means such as a CCD camera provided in the terminal device 20 (ATM) can usually read light other than visible light, the reading of the public two-dimensional barcode 2 is possible even with such transparent ink. It becomes possible.

It is a top view of the cash card utilized by this invention. It is a block diagram of the card | curd authentication system which concerns on this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Card base material 2 ... Public two-dimensional barcode 10 ... Cash card 20 ... Terminal device (ATM)
30: Host computer 40: Communication line

Claims (2)

An optical reading means for reading the public two-dimensional barcode from the cash card on which the public two-dimensional barcode is printed;
A password input means for inputting a password;
Key code generation means for generating a key code corresponding to the input password;
Two-dimensional barcode generation means for restoring the original two-dimensional barcode based on the read public two-dimensional barcode and the generated key code;
Information converting means for converting the restored original two-dimensional barcode into account specifying information;
An authenticating means for authenticating the validity using the account specifying information obtained by the conversion;
A card authentication system comprising: The card authentication system has a configuration in which a terminal device and a host computer are connected via a communication line,
The terminal device includes the optical reading means, the password input means, the two-dimensional barcode generation means, and the information conversion means,
The card authentication system according to claim 1, wherein the host computer includes the authentication unit.

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