JP2007200144A - Card use system, card use method, and unauthorized use determination device for card use system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card use environment that enables quick countermeasures against unauthorized use. <P>SOLUTION: When a card 3 is used, one of card reading devices 4a to 4f sends information to a card center 6c. The card center 6c searches a customer information database on card ID for a telephone number and a mail address, then calls a user portable terminal 2 for card use confirmation, and stores the use status of the card in a use status database. If the card use is not authorized, the card center 6c is called via a callback function based on the call history. When called from the user portable terminal 2, the card center 6c searches the use status database on the telephone number for the card use status and card ID. The card and card reading device can then be disabled for countermeasures. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention uses a card to provide services such as depositing / withdrawing, cashing, transfer, balance inquiry, etc., by using a card to check the identity of a commercial terminal such as a CD (Cash Dispenser) / ATM (Automated Teller Machine) terminal. The card usage system, the card usage method, and the unauthorized use determination device for the card usage system, more specifically, the usage status of the card from the card center to the user's mobile terminal each time the card is used. By sending, even if the user is not at the site of card usage, it is possible to check the card usage details, and even if the card is counterfeited or illegally used, the user himself can respond quickly through confirmation of the information It relates to what makes it possible to take measures.

  In a conventional card use system, a card such as a credit card at the time of merchandise purchase or a cash card at an ATM such as a bank is widely used. When a card user (hereinafter referred to as a user) loses a card or forges a card, it is possible to prevent unauthorized use by others by notifying the card center to that effect.

In addition, as shown in Patent Document 1, in order to confirm that the card user is the person himself / herself, the card user's mobile portable terminal is notified and the card user's card use is entered. Discloses an invention that permits the use of the card.
JP 2001-306806 A

  However, in the conventional card utilization system disclosed in Patent Document 1, when a card is used, the user must always perform authentication using a mobile portable terminal, which causes a problem that it takes time for a settlement process. In the case of a cashing service using CD / ATM in a financial institution, in order to provide a service to a large number of customers, it is necessary to finish the processing in a short time of several seconds to several tens of seconds. If the payment process takes time, a long queue is created before CD / ATM.

  Further, in the conventional card utilization system disclosed in Patent Document 1, when trying to use a card, there arises a problem that the user must always carry both the card and the mobile portable terminal.

  Further, in the conventional card utilization system disclosed in Patent Document 1, since authentication is performed by the mobile portable terminal every time the card is used, traffic is concentrated on the card center, and it takes time for settlement, and the system is large-scale. This raises the problem of increased costs.

  Furthermore, in the conventional card utilization system shown in Patent Document 1, communication is performed bidirectionally between the user's mobile portable terminal and the card center every time the card is used, resulting in enormous communication costs. Such a problem arises.

  In card settlement systems, it is desirable to avoid system changes. This is because a large system change increases costs, takes time, and there is a risk of accidents associated with the system change. In addition, important personal information is included in the host computer of the card payment system, and it is feared that such important personal information will be leaked due to a change in the system.

  In the conventional card utilization system disclosed in Patent Document 1, since authentication is performed by exchanging data with a mobile portable terminal, it is necessary to change the processing of the host computer in the card center.

  The present invention has been made in view of the above-mentioned problems, and its object is to provide a service provider such as a cardholder and a bank in a short time without using special payment processing or useless payment time. Can detect the occurrence of unauthorized use of the card, can quickly stop the use of the card, etc., and is not accompanied by a system change of the host computer, compared with the conventional card utilization system disclosed in Patent Document 1. To provide a card use system, a card use method, and an unauthorized use determination device for a card use system that can reduce communication costs.

  In order to solve the above-described problems, a card utilization system according to the present invention includes a user card including at least a card ID, a user portable terminal having a telephone function, and a card reader that reads information on the inserted card. A card utilization system comprising a card center that manages cards, a communication network that connects the card reader and the card center, and a communication network that connects the card center and the user's mobile terminal. When the card is used, it includes means for sending at least information including a card ID for identifying the card to the card center. The card center includes a host computer that performs card management, a card ID, and a telephone number of the portable terminal. Customer information database that stores the correspondence relationship between the mobile phone, mobile phone number, card ID, and card usage The usage situation database that stores the correspondence with the situation and the card ID information from the card reader are acquired, and the phone number of the user's mobile terminal corresponding to the card ID is obtained from the customer information database by the acquired card ID. The user searches the user's mobile terminal of the searched telephone number and issues a card usage confirmation, and stores the card ID and the card usage occurrence status information in correspondence with the telephone number in the usage occurrence status database. When a call from a mobile terminal is received, a call from the user's mobile terminal is received to obtain a telephone number of the mobile terminal, and from the usage occurrence situation database by the received telephone number of the mobile terminal of the user Search for information on card ID and usage status of card, and identify the card ID and usage status of illegally used card The mobile terminal includes a receiving means for receiving a card use confirmation call from the card center and a card center in response to the card use confirmation call when the card is illegally used. And means for calling.

  Preferably, the card center has a gateway for communicating with the card processing device, sends information from the card reader to the host computer via the gateway, and branches the information from the card reader via the gateway. Then, the card ID information is obtained.

  Preferably, when the card ID of the illegally used card and the usage status of the card are specified, the card center transmits the specified information to the host computer to prohibit the use of the card or the card reader. It is characterized by that.

  Preferably, the card center further transmits the specified information to the system administrator terminal when the card ID of the illegally used card and the usage status of the card are specified.

  Preferably, the card center makes a call by adding information on the card number of the card center when making a call to confirm the use of the card to the user's portable terminal of the searched phone number.

  Preferably, the card center disconnects the call if there is a predetermined number of ringing sounds when making a call for confirmation of card use to the mobile terminal of the user with the searched telephone number.

  Preferably, the customer database further includes a correspondence relationship between the card ID and the e-mail address of the portable terminal, and the card center further includes a user portable terminal corresponding to the card ID from the customer information database based on the received card ID. And e-mail for confirming card use is transmitted to the portable terminal of the user whose mail address corresponds to the searched card ID.

  Preferably, the e-mail for confirming the use of the card includes the use date and time of the card, the place where the card is used, deposit / withdrawal, balance inquiry, transfer information, and amount information.

  Preferably, when the mobile terminal receives a call, the mobile terminal stores a call destination telephone number as an incoming call history, and includes means for making a call to the telephone number saved as the incoming call history.

  A card utilization method according to the present invention includes: a user card including at least a card ID; a user portable terminal having a telephone function; a card reader that reads information on the inserted card; and a card center that manages the card. A card utilization method of reading a user's card with a card reader and managing the user's card at a card center, wherein the card center includes a host computer that performs card management, a card ID, and a mobile phone number. Including a customer information database for storing correspondence relationships, a phone number of a mobile terminal, a card ID, and a usage occurrence status database for storing correspondence relationships of card usage occurrence status, and the card reader is used by the card Is sent to the card center at least information including a card ID for identifying the card. When the center receives the information from the card reading device, it performs card processing by the host computer and acquires the card ID from the card reading device, and the user corresponding to the card ID from the customer information database by the acquired card ID. Search the phone number of the mobile terminal, call the confirmation of card use to the mobile terminal of the user of the searched phone number, and support the card ID and card usage occurrence information in the usage occurrence database The mobile terminal receives the card usage confirmation call from the card center, and when the card is illegally used, the card center is called in response to the card usage confirmation call. The card reader receives a call from the user's mobile terminal when a call is made from the user's mobile terminal, The card ID and card usage occurrence status information is retrieved from the usage status database by the received user's mobile terminal phone number, and the card ID of the illegally used card and the card usage status It is characterized by specifying.

  An unauthorized use determination device for a card use system according to the present invention includes a customer information database that stores a correspondence relationship between a card ID and a phone number of a mobile terminal, a phone number of a mobile terminal, a card ID, and a card usage occurrence. The usage occurrence database that stores the correspondence with the situation, the information from the card reader is received, and the telephone number of the user's portable terminal corresponding to the card ID is retrieved from the customer information database by the received card ID, The user's portable terminal of the searched telephone number is called for confirmation of card use, and information on the usage status of the card and the card ID are stored in the usage status database corresponding to the telephone number, and the user's mobile phone is stored. When a call is made from a terminal, the card is used from the usage status database according to the telephone number of the user's mobile terminal. An information processing unit that retrieves information on D and card usage occurrence status, identifies an ID of the card that has been illegally used and the card usage occurrence status, and a call processing unit that makes a call to the user's mobile terminal, An incoming call processing unit that receives a call from the user's mobile terminal and a telephone number acquisition unit that acquires the telephone number of the mobile terminal that made the call when the user's mobile terminal makes a call It is characterized by having.

  According to the card utilization system according to the present invention, a user card including at least a card ID, a user portable terminal having a telephone function, a card reader for reading information on the inserted card, and a card center for managing the card And a card utilization system comprising a communication network connecting the card reading device and the card center, and a communication network connecting the card center and the user's mobile terminal, wherein the card reading device uses a card Including means for sending at least information including a card ID for identifying the card to the card center, and the card center stores a correspondence relationship between the host computer that performs card management, the card ID, and the telephone number of the portable terminal. Stores the correspondence between customer information database, mobile phone number, card ID and card usage status The usage occurrence database and the card ID information from the card reader are acquired, the phone number of the user's portable terminal corresponding to the card ID is searched from the customer information database by the acquired card ID, and the searched phone Call confirmation from the user's mobile terminal of the number's mobile terminal, and store the card ID and card usage status information in correspondence with the telephone number in the usage status database. If a call is received from the user's mobile terminal, the phone number of the mobile terminal is obtained, and the card ID and the card usage are generated from the usage status database according to the received phone number of the user's mobile terminal. Including a means for searching for situation information and identifying a card ID and usage occurrence status of an illegally used card, Receiving means for receiving the card use confirmation call from Dosenta, if the card is misused, in response to the calling card use confirmation, so that and means for calling card center. For this reason, even when the person is not present at the card usage site, the user can confirm the fact of card usage by receiving a card usage confirmation call from the card center. There is an effect of providing a reliable card usage environment. In addition, it is possible to provide a means for promptly displaying the intention to stop processing to the financial institution to the user who has received the notification, thereby greatly increasing the possibility of the user's property preservation when unauthorized use occurs. Furthermore, it is possible to communicate the intention to stop using the card to the security function without delay, and the triggering probability of the security function immediately after execution of unauthorized use is greatly increased, which can greatly contribute to psychological suppression to unauthorized users. it can.

  In the present invention, the card center has a gateway for communicating with the card processing device, and sends information from the card reader to the host computer via the gateway, and from the card reader via the gateway. The information is branched to obtain the card ID information. Therefore, there is no need to change the host computer program or system. Therefore, the system can be constructed in a short time and the system can be constructed at a low cost. Further, since no change is made to the host computer, there is no possibility that a serious accident will occur due to the system change. There is no risk of important personal information leaking with the change.

  In the present invention, the card center further transmits the specified information to the host computer and prohibits the use of the card or the card reading device when the card ID and usage occurrence status of the illegally used card are specified. Like to do. For this reason, when there is unauthorized use, damage caused by unauthorized use of the card can be prevented without delay.

  In the present invention, the card center further transmits the specified information to the system administrator terminal when the card ID of the illegally used card and the card usage occurrence status are specified. For this reason, in the case of unauthorized use, it is possible to prevent damage caused by unauthorized use of the card, to deal with the victim, and to contribute to the identification of the criminal.

  In the present invention, when the card center makes a call for confirmation of use of the card to the user's portable terminal of the searched telephone number, the card center adds the information of the telephone number of the card center. Yes. For this reason, when the card is illegally used, the card center can be called using the incoming call history of the portable terminal.

  Further, in the present invention, the card center disconnects the call if a predetermined number of ringing sounds are made when the card usage confirmation call is made to the user's portable terminal of the searched telephone number. . Therefore, neither the service providing side nor the user side is burdened with communication costs for the call.

  In the present invention, the customer database further includes a correspondence relationship between the card ID and the mail address of the mobile terminal, and the card center further includes a user corresponding to the card ID from the customer information database based on the received card ID. The e-mail address of the mobile terminal is searched, and a card use confirmation e-mail is transmitted to the user's mobile terminal of the e-mail address corresponding to the searched card ID. For this reason, it is possible to notify the user of the card usage status by mail together with the outgoing call history.

  Further, according to the present invention, the card usage confirmation email includes the card usage date, card usage location, deposit / withdrawal, balance inquiry / transfer information, and amount information. Thereby, the user can be notified of the details of the card usage status by e-mail.

  Further, according to the present invention, when the mobile terminal receives a call, the mobile terminal stores a call destination telephone number as an incoming call history, and includes means for making a call to the telephone number saved as the incoming call history. For this reason, a card center can be called using the incoming call history of a portable terminal.

  According to the card utilization method according to the present invention, a user card including at least a card ID, a user portable terminal having a telephone function, a card reader for reading information on the inserted card, and a card center for managing the card A card utilization method for reading a user's card with a card reader and managing the user's card at a card center, the card center having a host computer for card management, a card ID, and a mobile terminal phone Including a customer information database for storing a correspondence relationship with a number, a phone number of a mobile terminal, a card ID, and a usage occurrence status database for storing a correspondence relationship with a card usage occurrence status. Is used, information including at least a card ID for identifying the card is sent to the card center. When the card center receives information from the card reader, the card center performs card processing at the host computer, acquires the card ID from the card reader, and uses the acquired card ID to correspond to the card ID from the customer information database. The mobile phone number of the mobile phone is searched, the user's mobile terminal of the searched phone number is called for confirmation of card use, and the card ID and the card usage status information are stored in the usage status database. The mobile terminal receives a call for confirmation of card use from the card center and responds to a call for confirmation of card use when the card is illegally used. The card reader receives a call from the user's mobile terminal and receives the call from the user's mobile terminal. Obtains the phone number of the mobile terminal, searches the usage status database for the card ID and the usage status of the card using the received user's mobile phone number, and uses the card ID and card usage of the illegally used card. The situation of occurrence is specified. For this reason, even when the person is not present at the card usage site, the user can confirm the fact of card usage by receiving a card usage confirmation call from the card center. There is an effect of providing a reliable card usage environment. In addition, it is possible to provide a means for promptly displaying the intention to stop processing to the financial institution to the user who has received the notification, thereby greatly increasing the possibility of the user's property preservation when unauthorized use occurs. Furthermore, it is possible to communicate the intention to stop using the card to the security function without delay, and the triggering probability of the security function immediately after execution of unauthorized use is greatly increased, which can greatly contribute to psychological suppression to unauthorized users. it can.

  According to the fraudulent use determination device for a card use system according to the present invention, a customer information database storing a correspondence relationship between a card ID and a phone number of a mobile terminal, a phone number of a mobile terminal, a card ID, and a card The usage occurrence database that stores the correspondence with the usage occurrence status and the information from the card reader are received, and the telephone number of the user's mobile terminal corresponding to the card ID is searched from the customer information database by the received card ID. Then, the user's portable terminal of the searched telephone number is called to confirm the use of the card, and the use occurrence situation database stores the card ID and the use occurrence situation information of the card corresponding to the phone number, When a call is made from a mobile terminal, it is counted from the usage status database according to the received mobile phone number of the user's mobile terminal. An information processing unit that searches for information on the usage status of the card and identifies the card ID of the illegally used card and the usage status of the card, a call processing unit that issues a call to the user's mobile terminal, and a user A call processing unit that receives a call from the user's mobile terminal and a telephone number acquisition unit that acquires the telephone number of the mobile terminal that made the call I am doing so. As a result, each time the card is used, a call is made to the user's mobile phone, and when the call is returned from the user's mobile terminal, information on the illegally used card is identified, and the card is illegally used. Judgment can be made.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 shows a configuration example of a card utilization system according to the first embodiment of the present invention.

  In FIG. 1, a user 1 owns a mobile terminal 2 and a card 3. As the mobile terminal 2, a mobile phone terminal capable of making a call and preferably connected to the Internet is used. The card 3 is, for example, a bank cash card. The card 3 stores at least a card ID for identifying the card.

  The card readers 4a to 4f are commercial terminals such as CD / ATM that provide services such as deposit and withdrawal, cashing, transfer, and balance inquiry by card. For example, there are CD / ATMs installed at the head office and branch offices of banks that provide services, those installed at head offices and branch offices of other banks, and those installed at convenience stores and the like.

  The card readers 4a and 4b are commercial terminals installed in other companies in the same industry that have a service tie-up with a company such as CD / ATM installed in another bank. For example, the card readers 4a and 4b of the other banks are connected to the card center 6c that provides the card use service of the embodiment of the present invention via the bank line 5a and the card center 6a.

  The card readers 4c and 4d are commercial terminals installed in different companies that have a service tie-up with the company such as CD / ATM installed in a convenience store. For example, card readers 4c and 4d such as convenience stores are connected to a card center 6c that provides a card use service according to the embodiment of the present invention via a bank line 5b and a card center 6b.

  The card readers 4e and 4f are commercial terminals installed in the company such as CD / ATM installed in the own bank that provides the card use service of the embodiment of the present invention. For example, the card readers 4e and 4f at the head office or branch of the bank that provides the card use service according to the embodiment of the present invention are connected to the card center 6c via the dedicated line 5c.

  The portable terminal 2 can transmit and receive a call according to a predetermined wireless communication protocol with the card center 6 c via the wireless base stations 7 a and 7 b and the mobile communication network 8. In addition, the portable terminal 2 transmits and receives data such as mails to and from the card center 6c via the wireless base stations 7a and 7b, the mobile communication network 8, and the Internet network 9 according to a predetermined wireless communication protocol. be able to.

  The mobile communication network 8 includes a plurality of radio base stations 7a and 7b, and performs radio communication with the mobile terminal 2 located in a cell (communication area) in each of the radio base stations 7a and 7b. .

  As shown in FIG. 2, the card center 6c that provides the card use service according to the embodiment of the present invention is provided with a host computer 20 that performs service providing processing such as depositing and withdrawal, cashing, transfer, balance inquiry and the like. A customer information database 21 and a usage occurrence status database 22 are provided. The card center 6c will be described later in detail.

  As shown in FIG. 3, the customer information database 21 stores a correspondence relationship between a card ID, a mobile phone number of a user's mobile terminal, and a mobile terminal mail address. This customer information database 21 is created in advance based on customer information.

  As shown in FIG. 4, the usage occurrence status database 22 stores correspondences between the mobile phone number of the user's mobile terminal, the card ID, the reading device ID, and the usage time information. As will be described later, the usage occurrence situation database 22 is created based on information sent from the card readers 4a to 4f when the card 3 is used.

  In FIG. 1, when providing services such as deposit, withdrawal, cashing, transfer, balance inquiry, etc., the user 1 inserts the card 3 into the card readers 4a to 4f. When the card 3 is inserted into the card readers 4a to 4f, the information of the inserted card 3 is read, and the information of the card 3 is transmitted from the card readers 4a to 4f to the card center 6c.

  That is, when performing deposit / withdrawal, cashing, transfer, balance inquiry, etc. with the card 3 that provides the card use service of the embodiment of the present invention with the card readers 4a, 4b of other companies such as other banks, The user 1 inserts the card 3 into the card readers 4a and 4b. In this case, the information from the card 3 is sent from the card readers 4a and 4b to the card center 6c that provides the card use service according to the embodiment of the present invention via the dedicated line 5a and the card center 6a for other companies in the same industry. Sent.

  When performing deposit / withdrawal, cashing, transfer, balance inquiry, etc. with the card 3 that provides the card use service according to the embodiment of the present invention with the card readers 4c, 4d of the same industry, such as convenience stores, the user 1 Inserts the card 3 into the card readers 4c and 4d. In this case, the information from the card readers 4c and 4d is sent to the card center 6c that provides the card use service according to the embodiment of the present invention via the dedicated line 5b and the card center 6b for other companies in the same industry.

  When providing services such as depositing / withdrawing, cashing, transfer, balance inquiry, etc., using the card 3 of the company by the card readers 4e, 4f of the bank which provides the card use service of the embodiment of the present invention, the user 1 Inserts the card 3 into the card readers 4e and 4f. In this case, information from the card readers 4e and 4f is sent to the card center 6c that provides a card use service according to the embodiment of the present invention via the dedicated line 5c.

  The information sent from the card readers 4a to 4f to the card center 6c that provides the card use service of the embodiment of the present invention includes the card ID of the inserted card 3 and the card readers 4a to 4f used. The reading device ID, card usage details such as usage time, deposit / withdrawal cashing, transfer amount, balance inquiry, and the amount information are included.

  As shown in FIG. 2, the card center 6c is provided with a customer information database 21. As shown in FIG. 3, the customer information database 21 includes a card ID, a mobile phone number, and a mobile phone number. Correspondence with terminal mail addresses is accumulated. When the card center 6c receives the information from the card readers 4a to 4f, the card center 6c extracts the card ID and uses the customer information database 21 to carry the mobile phone of the user holding the card 3 using the card ID as a key. The mobile phone number of the terminal 2 and the mobile terminal mail address are searched. When the search is completed, a call for confirming card use is made to the mobile phone number of the mobile terminal 2 of the user 1 who holds the card 3. Note that since this call is for leaving the incoming history of the user's mobile terminal 2, for example, a ringing tone is sent to the user's mobile terminal 2 only once. At the same time, an Internet mail indicating that the card 3 has been used is transmitted to the mobile terminal mail address of the mobile terminal 2 of the user 1 who holds the card 3.

  The card center 6c makes a call to the mobile terminal 2 of the user who owns the card 3, and then selects the card 3 based on the information sent from the card readers 4a to 4f. The mobile phone number of the portable terminal 2 of the user 1, the card ID of the card 3, the reading device IDs of the card reading devices 4a to 4f in which the card 3 is used, and the use time field of the card 3 Is generated and stored in the usage occurrence database 22 shown in FIG.

  As described above, in the embodiment of the present invention, when the card 3 is used, a call is made to confirm that the card 3 is used from the card center 6c to the portable terminal 2 of the user who holds the card. Is done. When a call is made from the card center 6c to the user's mobile terminal 2, the incoming call history remains, and as shown in FIG. 5, the caller's telephone number and the date and time of the call are the mobile terminal 2 of the user 1. Is displayed on the display unit 30. For example, if the user registers the phone number of the card center 6c in the phone book in the portable terminal 2, the name of the card center 6c is displayed instead of the caller's phone number.

  At the same time, from the card center 6c, the location of the card reader, the use time of the card, the use time, information on the card usage such as deposit / withdrawal cashing, transfer amount, balance inquiry, etc. The included Internet mail is sent to the mobile terminal 2 of the user 1. This mail is displayed on the display unit 30 of the mobile terminal 2 as shown in FIG.

  In response to the transmitted call for confirming use of the card, the user 1 looks at the call history from the card center 6c displayed through the call history display function of the mobile terminal 2 shown in FIG. Recognize the fact that usage has occurred. Further, by looking at the Internet mail transmitted from the card center 6c shown in FIG. 6, the usage status of the card such as the location of the card readers 4a to 4f where the card 3 is used and the usage time of the card 3, You can recognize details of card usage, such as whether there was a withdrawal, withdrawal, cashing, transfer amount, or balance inquiry.

  If a call and mobile mail that are not associated with the user's own use are received, the user 1 operates the operation unit 31 of the mobile terminal 2 for the call, and the user 1 holds the call. The return call is executed by the caller ID notification of the mobile terminal 2 that is present.

  When there is a call from the mobile terminal 2 of the user 1, the card center 6c uses the received mobile phone number information of the caller as a key to store the user 1 from the usage occurrence situation database 22 shown in FIG. The card ID of the current card 3, the reading device IDs of the card reading devices 4 a to 4 f in which the card 3 is used, and information on the use time of the card 3 are searched. When the card center 6c retrieves the card ID, the reading device ID, and the usage time information, the card center 6c sends the information to the host computer 20 in FIG. 2 to prohibit the use of the card with the corresponding card ID. At this time, if there is a data record in which a plurality of the same telephone numbers are written in the usage occurrence situation database 22, the information on the usage time is searched and the information on the data record in which the latest time is written is stored in the host. Send to computer 20. Further, the card readers 4a to 4f having the corresponding reader ID are disabled. Further, these pieces of information are transmitted as a message to the system manager terminal 10 in FIG. 1 together with the reception time information of the call from the user 1.

  The system administrator can receive the message sent to the system administrator terminal 10 and can identify the use occurrence status of the illegally used card, and can promptly take appropriate countermeasures. Become. In addition, since the card carrier side can notify the user of the card usage history at the same time as the usage occurs, it can contribute to ensuring the security of the user. Upon receipt of this message, the system administrator can quickly take appropriate measures such as starting a security camera and reporting to a security company.

  Next, the configuration of each part of the card utilization system according to the embodiment of the present invention will be described. FIG. 2 shows the configuration of the card center 6c that provides the service according to the embodiment of the present invention.

  In FIG. 2, a host computer 20 is provided in the card center 6c. The host computer 20 performs service provision processing such as deposit, withdrawal, cashing, transfer, and balance inquiry. The host computer 20 communicates with the outside through gateways 23a, 23b, and 23c.

  The gateway 23a is a gateway that communicates with the card readers 4a and 4b of other banks via the card center 6a of the same company in the same industry in FIG. The gateway 23b is a gateway that communicates with card readers 4c and 4d of other companies such as convenience stores via the card center 6b. The gateway 23c is a gateway for communicating with its own card readers 4e and 4f.

  Information sent from the card readers 4e and 4f is sent from the gateways 23a, 23b, and 23c to the host computer 20 and branched to be sent to the information processing unit 24.

  The information processing unit 24 controls the customer information database 21 and the usage occurrence status database 22. The information processing unit 24 controls the call processing unit 25 and the incoming call processing unit 26 and controls the mail creation unit 27 and the Internet communication unit 28.

  In the customer information database 21, as shown in FIG. 3, correspondences between card IDs, mobile phone numbers, and mobile terminal mail addresses are stored in advance. When the card 3 is used, the card readers 4a to 4f, via the gateways 23a, 23b, 23c, the card ID, the reader ID, the use time, the deposit / withdrawal cashing, the transfer amount, the balance Information on card usage details such as inquiries and information on the amount of money are sent. The information processing unit 24 uses the customer information database 21 to search for the mobile phone number and the mobile terminal mail address of the mobile terminal 2 of the user 1 using the card ID as a key. Then, the information processing unit 24 sends the retrieved mobile phone number to the call processing unit 25 and makes a call to the mobile terminal 2 having the mobile phone number. This calling process is to leave an incoming call history in the user's portable terminal 2, and the calling processing unit 25 adds the telephone number of the card center 6c as a caller number and performs one or more preset times. The line is disconnected when a predetermined number of rings are made. At this time, when the mobile terminal 2 is busy or in an abnormal connection state, the call is repeated a preset number of times. Further, the information processing unit 24 is based on the information from the card reading devices 4a to 4f, and the mail creation unit 27 uses the account number, the location of the card reading device, the use time, the deposit and withdrawal, the amount of cashing, the transfer amount, Then, a mail including card usage information such as balance inquiry and the amount information is generated, and the mail is sent to the Internet communication unit 28. The Internet communication unit 28 transmits this mail to the mobile terminal mail address searched in the customer information database 21.

  Further, when the information processing unit 24 completes the call to the mobile terminal 2 and the transmission of the mail, the information processing unit 24 immediately generates a data record including the mobile phone number, the card ID, the reading device ID, and the use time field. And stored in the use occurrence situation database 22.

  As described above, when the user 1 receives a call and a mobile mail that are not associated with the user's own use, the user 1 performs a return call on the mobile terminal 2 by a caller number notification. The outgoing call from the mobile terminal 2 of the user 1 is received by the incoming call processing unit 26. When a call is made from the mobile terminal 2 of the user 1, the mobile phone number of the caller is acquired by the telephone number acquisition unit 29, and the mobile phone number of the caller is sent to the information processing unit 24. Then, the information processing unit 24 specifies information on the fraudulent card by using the usage occurrence situation database 22.

  That is, as shown in FIG. 4, the use occurrence situation database 22 stores mobile phone numbers, card IDs, reader IDs, and use times. The information processing unit 24 searches the usage occurrence status database 22 for information on the card ID, reading device ID, and usage time, using the mobile phone number acquired by the telephone number acquisition unit 29 as a key. At this time, if there is a data record in which a plurality of the same telephone numbers are written in the usage occurrence situation database 22, the information on the usage time is searched and the information on the data record in which the latest time is written is stored in the host. Send to computer 20. As a result, it is specified which card is illegally used, where the card reader using the card is located, and when it was illegally used.

  When the card ID, reading device ID, and usage time information are searched, the information processing unit 24 sends the searched card ID, reading device ID, and usage time information to the host computer 20. Based on this information, the host computer 20 performs processing for prohibiting use of the card with the card ID and processing for prohibiting use of the card reader with the reading device ID. These pieces of information are transmitted to the system administrator terminal 10 via the communication unit 19.

  FIG. 7 shows a flowchart based on the operation of the card center 6c. In FIG. 7, it is determined whether information from the card readers 4a to 4f has been received (step S11). When the information from the card readers 4a to 4f is received, the customer information database 21 is searched for the mobile phone number and the mobile terminal mail address of the user 1 by using the received card ID information as a key. (Step S12). Then, the mobile terminal having the searched mobile phone number is called (step S13), and mail is transmitted to the searched mobile terminal mail address (step S14).

  When the mobile terminal with the mobile phone number searched in step S13 is called and mail is transmitted to the mobile terminal e-mail address searched in step S14, the received card ID, reader ID, and usage time are used as the basis. In addition, a data record including a mobile phone number, a card ID, a reading device ID, and a usage time field is generated, and this data record is stored in the usage occurrence status database 22 (step S15).

  Then, it is determined whether or not a predetermined time has elapsed (step S16). If the predetermined time has not elapsed, it is determined whether or not a call from the mobile terminal 2 of the user 1 has been received (step S17). If no call is received, the process returns to step S11.

  If the call from the mobile terminal 2 of the user 1 is not received in step S17 and it is determined in step S16 that the predetermined time has elapsed, it is determined that the use is normal, and the data record is used in the usage occurrence state database 22 (Step S18), and the process returns to step S11.

  If a call is received from the mobile terminal 2 of the user 1 before the predetermined time has passed in step S17, the call time from the user 1 is acquired (step S19), and the caller user Is obtained (step S20). Then, a record is searched by the use occurrence situation database 22 using the acquired information on the mobile phone number of the caller as a key (step S21).

  If there are a plurality of records, the latest data record is searched (step S22). If there are not a plurality of records, the card ID, the reading device ID, the usage time, and the reception time information of the call from the user 1 acquired in step S19 from the data record retrieved from the usage occurrence status database 22 Are sent to the host computer 20 and also sent to the system administrator terminal 10 (step S23). Here, when there are a plurality of records, the data record of the latest time is searched (step S24). From the data record of the latest time, in step S23, the card ID, the reading device ID, the use time, The call reception time information is sent to the host computer 20 and also sent to the system administrator terminal 10.

  The calling process in step S13 in FIG. 7 is to leave an incoming call history in the user's portable terminal 2, and is performed as shown in FIG.

  In FIG. 8, when calling processing is performed, the number T of calls is initialized (step S31), the phone number of the card center 6c is added as the caller number, and the mobile terminal of the searched mobile phone number is added. Is called (step S32). It is determined whether the call is busy or connection is abnormal (step S33). If the call is not busy or connection is abnormal, it is determined whether there is a predetermined number of ringing sounds of one or more times set in advance (step S34). When there is a predetermined number of ringing sounds one or more times set in advance, the line is disconnected (step S35).

  If it is determined in step S33 that the communication is busy or a connection error is detected, the system waits for a predetermined time (step S35), and the number of calls T is incremented (step S36). Then, it is determined whether or not the number of calls T has exceeded a predetermined number (step S37). If the number of calls T has not exceeded the predetermined number, the process returns to step S32 and the telephone number of the card center 6c is set as the caller number. Is added, and the mobile terminal having the searched mobile phone number is called. When the number of calls T exceeds the predetermined number in step S37, abnormality occurrence processing is performed (step S38).

  Next, the mobile terminal 2 will be described. FIG. 9 shows a functional block diagram of the mobile terminal 2 in the embodiment of the present invention. In FIG. 9, the control unit 32 includes application software such as memory and mail software, and includes a mail processing unit 33, an incoming call history unit 34, and a sender name determination unit 35. The mail processing unit 33 performs mail creation and mail transmission / reception processing. The incoming call history unit 34 realizes a function of extracting and storing the telephone number of the called party when there is an incoming call. The caller name determination unit 35 is for displaying the caller's caller name based on telephone number information registered in advance. The control unit 32 is connected to the wireless communication unit 36, the operation unit 31, and the display unit 30, and controls them according to a control program stored in a program ROM or the like (not shown).

  Here, the radio communication unit 36 transmits and receives radio signals so as to connect the mobile terminal 2 to the radio base stations 7 a and 7 b in accordance with the access command from the control unit 32. The operation unit 31 inputs the operation information to the control unit 32 according to the operation of the user 1. For example, input of a telephone number, outgoing and incoming calls, return call based on incoming history, creation of mail, transmission / reception of mail, input of a password, and the like are performed by key operations on the operation unit 31 of the user 1. In response to a display command from the control unit 32, the display unit 30 displays an incoming call history, a caller name, and received mail information.

  Next, the card readers 4a to 4f will be described. FIG. 10 shows a functional block diagram of the card readers 4a to 4f.

  In FIG. 10, the information processing unit 42 performs card processing by communicating with the card centers 6 a to 6 c via the communication unit 43. Card information is sent from the card reading unit 40 to the information processing unit 42. Further, input information from the input unit 41 is sent to the information processing unit 42. Further, the information on the reading device ID from the reading device ID generation unit 44 is sent to the information processing unit 42.

  When the card 3 is inserted into the card reading unit 40, the information of the inserted card 3 is read by the card reading unit 40. The card 3 includes at least a card ID for identifying the card, and information on the card ID is acquired. A password is input to the input unit 41. Based on the card ID and the password, when a terminal of another company in the same industry is used, authentication is performed with the company's own card center 6c via the card center 6a. When a terminal of another company is used, authentication is performed with the company's own card center 6c via the card center 6b. When a company terminal is used, authentication is performed with the card center 6c. Also, the input unit 41 inputs what service provision processing is to be performed, such as deposit, withdrawal, cashing, transfer, balance inquiry, and service provision processing such as the amount of deposit, withdrawal, cashing, and transfer. Accompanying information necessary for the information is input, and the information is sent from the information processing unit 42 to the card centers 6a to 6c via the communication unit 43. Thereby, service provision processing such as deposit and withdrawal, cashing, transfer, and balance inquiry is performed.

  Next, the overall operation of the card utilization system in the embodiment of the present invention will be described with reference to the sequence diagram of FIG.

  In FIG. 11, the user 1 attaches the card 3 to the card readers 4a to 4f when performing service providing processing such as depositing / withdrawing, cashing, transfer, balance inquiry, etc. (step S101). The card readers 4a to 4f communicate with the host computer 20 of the card center 6c to perform card processing such as depositing / withdrawing, cashing, transfer, and balance inquiry (step S102). In addition, a message including a card ID, a reading device ID, a usage time, and information on the card usage content is transmitted from the card reading devices 4a to 4f to the information processing unit 24 of the card center 6c (step S103). .

  When the information processing unit 24 of the card center 6c receives the card ID, the reading device ID, the usage time, and the card usage content information, it sends the card ID to the customer information database 21 (step S104).

  The customer information database 21 searches the customer's mobile phone number and mobile terminal mail address registered in advance using the card ID as a key (step S105). When the search is completed, the customer information database 21 sends the mobile phone number and mail address of the mobile terminal 2 corresponding to the card ID to the information processing unit 24 (step S106).

  The information processing unit 24 of the card center 6c makes a call for confirmation of card use to the retrieved mobile phone number (step S107). Further, the information processing unit 24 of the card center 6c transmits a use confirmation mail including card use information to the portable terminal 2 for the retrieved portable terminal mail address (step S108).

  The user 1 who owns the portable terminal 2 receives a call for confirmation of card use at the portable terminal 2 owned by the user, and the card displayed through the incoming call history display function of the portable terminal 2 in response to this call. The fact that the card has been used is recognized by looking at the call history from the center 6c. Also, the details of card usage are confirmed by looking at the mail sent to the mobile terminal 2.

  The information processing unit 24 of the card center 6c completes the calling and mail transmission of the searched user 1 to the mobile terminal 2, and then the data record including the mobile phone number, card ID, reading device ID, and usage time fields. Is sent to the usage occurrence status database 22 (step S109). This data record is accumulated in the usage occurrence situation database 22 (step S110).

  And the information processing part 24 of the card center 6c judges whether the call from the portable terminal 2 of the user 1 was received before predetermined time passes (step S111).

  Here, when the user 1 certainly uses the card 3, the user 1 does not make a call, and there is no call from the mobile terminal 2 of the user 1 while a predetermined time elapses. If it is determined in step S111 that there is no call, the information processing unit 24 of the card center 6c sends a deletion command for the data record to the usage occurrence status database 22 (step S112). In response to the deletion instruction, the usage occurrence situation database 22 deletes the data record from the database (step S113).

  On the other hand, when the card is used illegally, the user 1 executes a return call by a caller number notification (step S114). Therefore, when the card is illegally used by someone, the card center 6c receives a call from the mobile terminal 2 of the user 1 while a predetermined time elapses.

  If it is determined in step S111 that there is a call, the information processing unit 24 of the card center 6c sends the received caller's mobile phone number to the usage occurrence status database 22 (step S115).

  The usage occurrence status database 22 searches the card ID, reading device ID, and usage time information using the received mobile phone number of the caller as a key (step S116). In the case of unauthorized use, the card is often used repeatedly in a short time. In preparation for such short-time multiple use, it is determined at this time whether there is a data record in which a plurality of identical telephone numbers are written in the use occurrence situation database 22 (step S117). If there is no data record in which a plurality of identical telephone numbers are described, the retrieved card ID, reader ID, and usage time information are sent to the information processing unit 24 (step S118). If there are a plurality of data records in which the same telephone number is written in the usage occurrence status database 22, the information on the usage time is searched, and the data record in which the latest time is written is searched (step S119). . Then, the latest time card ID, reader ID, and usage time information are sent to the information processing unit 24 (step S120).

  The information processing unit 24 of the card center 6c sends the card ID, reading device ID, and usage time information retrieved from the usage occurrence status database 22 to the host computer 20 (step S121). The host computer 20 performs processing for prohibiting use of the card and processing for prohibiting use of the card reading device with respect to the card reading devices 4a to 4f (step S122).

  Further, the information processing unit 24 of the card center 6c combines the card ID, the reading device ID, and the usage time information retrieved from the usage occurrence status database 22 together with the information on the reception time of the call from the user 1 together with the system. It transmits as a message to the administrator terminal 10 (step S123). Upon receipt of this message, the system administrator can quickly take appropriate measures such as suspending use of the card, starting a security camera, and reporting to a security company.

  As described above, in the card use system according to the embodiment of the present invention, when the card 3 is used, a call for confirmation of use is made to the mobile terminal 2 of the user 1. The user 1 confirms the use of the card by the history function of the mobile terminal 2. Here, when a call that does not accompany the user's own use is received, if the user 1 executes a return call with a caller number notification for the call, the card 3 or the card The card readers 4a to 4f in which the card is used can be immediately prohibited from being used, and damage caused by unauthorized use of the card can be prevented. When it is determined that the card has been illegally used in this way, both the card 3 and the card readers 4a to 4f in which the card is used may be suspended. Either the card 3 or the card readers 4a to 4f in which the card is used may be prohibited. In addition, it is possible to provide the user who has received the notification with a prompt intention to stop processing to the financial institution, and greatly increase the possibility of the user's property preservation when unauthorized use occurs. Furthermore, it is possible to communicate the intention to stop using the card to the security function without delay, and the triggering probability of the security function immediately after execution of unauthorized use is greatly increased, which can greatly contribute to psychological suppression to unauthorized users. it can.

  In the card utilization system according to the embodiment of the present invention, the user 1 confirms the use of the card based on the incoming call history of the call from the card center 6c. In order to use the incoming call history, as described above, the call from the card center 6c is disconnected when the ringing tone is generated for the set number of times. There is usually no charge for such a call-only communication. In addition, if the user uses a normal card, the user does not need to make a return call to the card center 6c. Therefore, neither the bank providing the service nor the user is burdened with communication costs.

  Further, in the card utilization system according to the embodiment of the present invention, when the card is used, only one-way call is made from the card center 6c to the user's portable terminal 2, and bidirectional use using the portable terminal or the like is performed. Communication is not required. Therefore, even if such a service is performed, traffic to the card center 6c does not increase. In addition, since special authentication using a mobile terminal is not necessary when using the card, processing time when using the card is not increased, and the user is not forced to perform a special operation.

  In addition, when using a normal card, it is not always necessary to carry a mobile terminal, etc., and even if the person is not present at the card usage site, the user can make a card use confirmation call from the card center and use the card. By receiving the confirmation e-mail, it becomes possible to confirm the fact of using the card.

  Furthermore, in the card utilization system according to the embodiment of the present invention, as shown in FIG. 2, information sent from the card readers 4a to 4f to the card center 6c is sent to the host computer via the gateways 23a, 23b and 23c. 20 and branches to the information processing unit 24. For this reason, the program and system change of the host computer 20 are unnecessary. Therefore, in the card utilization system according to the embodiment of the present invention, the system can be constructed in a short time and the system can be constructed at a low cost. Further, since the host computer 20 is not changed, the system of the host computer can be changed. There is no risk of serious accidents accompanying it, and there is no risk of important personal information leaking due to system changes.

  The present invention is not limited to the above-described embodiments, and various modifications and applications can be made without departing from the gist of the present invention.

  For example, in the above-described example, when the card 3 is used, a call for confirmation of use is made to the mobile terminal 2 of the user 1 and a card use confirmation mail is transmitted. It may be optional. In the above example, the card usage confirmation email includes the card usage date, card usage location, deposit / withdrawal, balance inquiry / transfer information, and amount information. However, the present invention is not limited to this.

  Moreover, although the above-mentioned embodiment demonstrated the example of the cash card of a bank, this invention is not limited to this. The present invention can be similarly applied to a debit card, a credit card, an electronic money card, a point card, and the like.

  The present invention can be used to prevent unauthorized use of any card such as an electronic money card, prepaid card, point card, in addition to a cash card, a credit card, and a debit card.

It is a block diagram which shows the whole structure of the card utilization system of embodiment of this invention. It is a functional block diagram of an example of the card center in the card utilization system of the embodiment of the present invention. It is explanatory drawing of the customer information database in the card utilization system of embodiment of this invention. It is explanatory drawing of the utilization generation condition database in the card utilization system of embodiment of this invention. It is explanatory drawing of the incoming call history in the card utilization system of embodiment of this invention. It is explanatory drawing of the confirmation mail of card use in the card utilization system of embodiment of this invention. It is a flowchart used for operation | movement description of an example of the card center in the card utilization system of embodiment of this invention. It is a flowchart used for operation | movement description of the calling process of the card center in the card utilization system of embodiment of this invention. It is a functional block diagram of an example of the portable terminal in the card utilization system of the embodiment of the present invention. It is a functional block diagram of an example of the card reader in the card utilization system of the embodiment of the present invention. It is a sequence diagram used for the whole operation | movement description of the card utilization system of embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 User 2 Mobile terminal 3 Card 4a-4f Card reader 5a, 5b Bank line 5b Bank line 5c Dedicated line 6a-6c Card center 7a, 7b Wireless base station 8 Mobile communication network 9 Internet network 10 System administrator terminal 19 Communication Unit 20 Host Computer 21 Customer Information Database 22 Usage Occurrence Status Database 23 Information Processing Units 23 to 23c Gateway 24 Information Processing Unit 25 Calling Processing Unit 26 Incoming Call Processing Unit 27 Mail Creation Unit 28 Internet Communication Unit 29 Telephone Number Acquisition Unit 30 Display unit 31 Operation unit 32 Control unit 33 Mail processing unit 34 Incoming call history unit 35 Originator name determination unit 36 Wireless communication unit 40 Card reading unit 41 Input unit 42 Information processing unit 43 Communication unit 44 Reading device ID generation unit

Claims (11)

A user card containing at least a card ID;
A mobile terminal of a user having a telephone function;
A card reader for reading the information of the inserted card;
A card center for managing cards,
A communication network connecting the card reader and the card center;
A card utilization system comprising a communication network connecting the card center and the user's mobile terminal;
The card reader is
Means for sending information including at least a card ID for identifying the card to the card center when the card is used;
The card center
A host computer for card management;
A customer information database for storing the correspondence between the card ID and the mobile phone number;
A usage occurrence database that stores the correspondence between the phone number of the mobile terminal, the card ID, and the usage occurrence of the card;
The information of the card ID from the card reader is acquired, the phone number of the user's mobile terminal corresponding to the card ID is searched from the customer information database by the acquired card ID, and the user's mobile phone of the searched phone number When the terminal confirms the use of the card and also stores the card ID and the card usage occurrence information corresponding to the telephone number in the usage occurrence status database, and the user's mobile terminal makes a call Receiving a call from the user's mobile terminal and obtaining the phone number of the mobile terminal, and using the received mobile phone number of the user's mobile terminal, the card ID and the card usage occurrence status Means for searching for information and identifying the card ID of the illegally used card and the card usage occurrence status,
The portable terminal is
Receiving means for receiving a call for confirmation of card use from the card center;
Means for calling the card center in response to a call for confirmation of card use when the card is illegally used;
A card utilization system characterized by this.   The card center has a gateway for communicating with the card processing device, and sends information from the card reading device to the host computer via the gateway, and from the card reading device via the gateway. The card usage system according to claim 1, wherein the information of the card ID is acquired by branching the information.   Further, when the card ID of the illegally used card and the usage status of the card are specified, the card center transmits the specified information to the host computer and prohibits the use of the card or the card reader. The card utilization system according to claim 1, characterized in that:   2. The card according to claim 1, wherein the card center further transmits the specified information to the system administrator terminal when the card ID of the illegally used card and the card usage occurrence status are specified. Usage system.   The card center, when making a call to confirm the use of a card to a user's portable terminal of the searched telephone number, makes a call with information on the telephone number of the card center. The card utilization system according to 1.   The card center disconnects a call if a predetermined number of ringing sounds are made when a call for card use confirmation is made to a mobile terminal of a user of the searched telephone number. Card usage system described in 1. The customer database further includes a correspondence relationship between the card ID and the email address of the mobile terminal,
The card center further searches the customer information database for the mail address of the user's mobile terminal corresponding to the card ID from the received card ID, and the user's mobile terminal of the mail address corresponding to the searched card ID. 2. The card use system according to claim 1, wherein a card use confirmation mail is transmitted.   4. The card usage confirmation email includes card usage date and time, card usage location, deposit / withdrawal, balance inquiry, transfer information, and amount information. The card usage system described.   2. The card utilization system according to claim 1, wherein when the mobile terminal receives a call, the mobile terminal stores the call destination telephone number as an incoming call history and makes a call to the telephone number saved as the incoming call history. . The card comprises a user card including at least a card ID, a user portable terminal having a telephone function, a card reader for reading information on the inserted card, and a card center for managing the card. A card utilization method for managing the user's card at a card center,
The card center includes a host computer that performs card management, a customer information database that accumulates correspondences between card IDs and mobile phone numbers, mobile phone numbers, card IDs, and card usage occurrences. Use occurrence status database that accumulates correspondences with
When the card is used, the card reader sends information including at least a card ID for identifying the card to the card center;
When the card center receives information from the card reading device, the card center performs card processing at the host computer, acquires a card ID from the card reading device, and uses the acquired card ID to read the card from the customer information database. The phone number of the user's mobile terminal corresponding to the ID is searched, the user's mobile terminal of the searched phone number is called for confirmation of card use, and the card ID and the card usage occurrence status in the usage occurrence status database Is stored in correspondence with the phone number,
The mobile terminal receives a call for confirmation of card use from the card center, and when the card is illegally used, is called to the card center in response to a call for confirmation of card use,
The card reader receives a call from the user's mobile terminal when a call is made from the user's mobile terminal, obtains a phone number of the mobile terminal, A card usage method characterized in that a card ID and a card usage occurrence status information are retrieved from the usage occurrence status database by a telephone number, and the card ID of the illegally used card and the card usage occurrence status are specified. A customer information database for storing the correspondence between the card ID and the mobile phone number;
A usage occurrence database that stores the correspondence between the phone number of the mobile terminal, the card ID, and the usage occurrence of the card;
The information from the card reader is received, the telephone number of the user's mobile terminal corresponding to the card ID is searched from the customer information database by the received card ID, and the card is stored in the user's mobile terminal of the searched telephone number. Confirmation of use is made, and the use occurrence status database stores the card use occurrence status information and the card ID corresponding to the telephone number, and is received when a call is made from the user's mobile terminal. An information processing unit that searches the usage occurrence status database for the card ID and the usage status of the card, and identifies the card ID of the illegally used card and the usage status of the card, according to the telephone number of the user's portable terminal ,
A call processing unit for making a call to the user's mobile terminal;
An incoming call processing unit for receiving a call from the user's mobile terminal when a call is made from the user's mobile terminal;
An unauthorized use determination device for a card usage system, comprising: a telephone number acquisition unit that acquires a telephone number of a mobile terminal that has made a call.

Images