JP2008129970A - Card verification system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card verification system capable of verifying the propriety of using a card such as a credit card by a simple system. <P>SOLUTION: The card verification system 1 comprises: a portable telephone 10 for inputting card inherent information about a card, transmitting the input card inherent information and displaying card usage propriety information; a usage propriety information mediation device 20 for receiving the card inherent information and providing the portable telephone with the usage propriety information; and a usage propriety information providing device 30 for generating usage propriety information on the basis of the card inherent information received from the usage propriety information mediation device and transmitting the generated usage propriety information to the usage propriety information mediation device, wherein the usage propriety information mediation device has a usage propriety information storing part 86 for storing the usage propriety information. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a card authentication system that authenticates the use of a credit card or the like, for example.

2. Description of the Related Art Conventionally, for example, there is a system in which a credit card user can easily make a payment for purchase of a product by using a credit card or the like. Specifically, a merchandise store has a CAT (Credit Authorization Terminal) terminal for reading credit card data, and is connected to a credit company host computer via a payment network. For this reason, the user can use the credit card to make payment at each store (for example, Patent Document 1).
In Patent Document 1, each store has a stationary CAT terminal. However, this has a problem that a credit card cannot be used outside the store, for example, door-to-door sales. Therefore, a proposal has been made that the portable terminal is provided with a card reading mechanism and used as a portable CAT terminal.
Japanese Patent Laying-Open No. 2005-190351 (FIG. 1 etc.)

  However, such a CAT terminal is a CAT terminal of either a stationary type or a portable type, and has a mechanism for reading a credit card data, communicating with a host computer of a credit card company, and making a settlement. Therefore, there is a problem that it takes enormous costs to construct such a system. In addition, since the CAT terminal is also a dedicated terminal, there is a problem that enormous costs are required to prepare many of them.

  Therefore, an object of the present invention is to provide a card authentication system capable of authenticating whether or not a card such as a credit card can be used with a simple system.

  According to the configuration of the first aspect of the present invention, the information input button unit for inputting card-specific information related to the card, the communication unit for transmitting the input card-specific information, and the card availability information are displayed. A mobile phone having an information display unit that receives the card-specific information and a usability information mediating device that provides the usability information to the mobile phone, and the card received from the usability information mediating device A usability information providing device that generates the usability information based on unique information, and transmits the created usability information to the usability information mediation device, the usability information mediation device, This is achieved by a card authentication system comprising a use availability information storage unit for storing the use availability information.

According to the said structure, the specific information of cards, such as a credit card, can be input with the information input button part of a mobile telephone, and the specific information of the card | curd is transmitted to the usability information mediation apparatus by a communication part.
Then, the unique information of the card is transmitted from the usability information mediating device to the usability information providing device. The usability information providing device generates usability information based on the card specific information, and the generated usability information is transmitted to the usability information mediation device.
The availability information mediating apparatus that has received the availability information transmits the availability information to the mobile phone, and the mobile phone displays the availability information on the information display unit.
If the availability information displayed on this information display section is affirmative, the mobile phone and the credit card can be handled as being usable together as if they had a conventional CAT terminal. Similarly, a credit card or the like can be used.
And in the said structure, since a normal mobile phone can be utilized without using a special CAT terminal, the same system is constructed at a significantly lower cost than when using a conventional CAT terminal or the like. can do.

  Preferably, according to the invention of claim 2, in the configuration of claim 1, the usability information mediating device has a mobile phone identification information storage unit for storing mobile phone identification information for identifying the mobile phone. This is a card authentication system.

  According to the configuration, the usability information mediating device has the mobile phone identification information storage unit for storing the mobile phone identification information for identifying the mobile phone. For this reason, the usability information mediating apparatus can easily identify the mobile phone that should provide the availability information and the mobile phone that should not be provided.

  Preferably, according to the invention of claim 3, in the configuration of claim 2, before the card specific information is input to the mobile phone, the mobile phone identification information storage unit of the usability intermediary device stores the mobile phone. A card authentication system characterized in that mobile phone identification information of a telephone is stored.

  According to the above configuration, the mobile phone is configured to store the mobile phone identification information of the mobile phone in the mobile phone identification information storage unit of the usability intermediary device before inputting the card specific information. The availability information can be reliably received from the availability information mediating apparatus.

  Preferably, according to the invention of claim 4, in the configuration of any one of claims 1 to 3, the availability information providing device is installed for each card issuing company, and the availability information mediation is provided. The apparatus is a card authentication system configured to transmit the card-specific information acquired from the mobile phone to the usability information providing apparatus of the card issuing company.

According to the above configuration, the availability information providing device is installed for each card issuing company, and the availability information mediating device uses the card unique information acquired from the mobile phone as the usage information providing device of the card issuing company. It is the composition which transmits to. For this reason, even if a card is issued for each of many card issuing companies, the card unique information can be transmitted to the usage information providing device of each card issuing company by a single usage information brokering device. Then, the card availability information can be acquired from the card issuing company's availability information providing device, and the card availability information can be provided to the mobile phone.
Therefore, unlike the prior art, it is not necessary for the terminal to be connected to the host computer or the like of each card issuing company, and it is sufficient that the mobile phone is connected to the availability information providing device. Become.

  The present invention has an advantage that it is possible to provide a card authentication system capable of authenticating whether or not a card such as a credit card can be used with a simple system.

Preferred embodiments of the present invention will be described below in detail with reference to the accompanying drawings.
The embodiments described below are preferred specific examples of the present invention, and thus various technically preferable limitations are given. However, the scope of the present invention is particularly limited in the following description. Unless otherwise stated, the present invention is not limited to these embodiments.

FIG. 1 is a schematic diagram showing a credit card authentication system 1 which is a card authentication system of the present invention.
As shown in FIG. 1, a mobile phone 10 is connected to the Internet network 11 via a mobile phone base station 12.
The mobile phone 10 is provided with a number of push buttons 10a that are operated by the user of the mobile phone 10 to input information. The push button 10a is an example of an information input button part.
In addition, the mobile phone 10 is provided with, for example, an antenna 10b which is a communication unit.
Further, the mobile phone 10 is formed with a display 10c made of, for example, an LCD or the like, which is an information display unit for displaying various information.

As shown in FIG. 1, a credit card authentication device 20 is connected to the Internet network 11. This credit card authentication device 20 is an example of a usability information mediation device. Its configuration will be described later.
Further, the credit card authentication device 20 is connected to a server of each credit card issuing company, for example, an A credit card company server 30, a B credit card company server 40, and a C credit card company server 50, through a dedicated line. ing. These A credit card companies 30 and the like are an example of the availability information providing apparatus, and the configuration thereof will be described later.

FIG. 2 is a schematic diagram showing main hardware configurations and the like of the mobile phone 10 and the credit card authentication device 20 shown in FIG.
The mobile phone 10 in FIG. 2 has a computer. Specifically, the computer has a bus 60, and a CPU (Central Processing Unit) 61, a RAM (Random Access Memory) 62, a ROM (Read Only Memory) 63, and the like are connected to the bus 60.
Further, an input device 64 including a push button 10b and the like, a display 10c, and a communication unit 65 including the antenna 10b in FIG. 1 are also connected to the bus 60.

In other words, the bus 60 has a function of connecting all devices and is an internal path having an address and a data path.
In addition to processing a predetermined program, the CPU 61 controls a ROM 63 and the like connected to the bus 60. The ROM 63 stores various programs and various information.
The RAM 62 has a function as an area for comparing the contents of the memory during the program processing or executing the program.

3 to 5 are schematic flowcharts showing main operations and the like of the credit card authentication system 1. FIG. 6A is a schematic block diagram showing a main software configuration of the mobile phone device 10, and FIG. 6B is a schematic block diagram showing a main software configuration of the credit card authentication device 20. . FIG. 7 is a schematic block diagram showing a main software configuration that is the content of the first storage unit 70 of FIG. 6B, and FIG. 8 is the content of the second storage unit 80 of FIG. 6B. It is a schematic block diagram which shows the main software structures. Here, the first storage unit 70 mainly describes the program, and the second storage unit 80 shows the data storage unit. These sections are actually divided in this way. This is for the convenience of explanation. FIG. 9 is a schematic block diagram showing a main software configuration of the A credit card company server 30 of FIG. Each block (storage unit, storage unit, program, etc.) shown in FIGS. 6 to 9 is controlled by a control unit (not shown).
Hereinafter, first, the configuration of FIGS. 6 to 9 will be described with reference to the flowcharts of FIGS.

Specifically, FIG. 3 shows a procedure for registering the mobile phone 10 in the credit card authentication apparatus 20, that is, a procedure for mobile phone initial registration processing (communication processing).
In the present embodiment, an entity (for example, a product sales company) that intends to use the credit card authentication system 1 registers the entity as a member store or the like with a management company or the like of the credit card authentication apparatus 20. It is necessary to have you do.
Therefore, first, a necessary application for use is submitted to the management company, and a member store ID number, a certificate setting license key, a license ID number, etc. are received from the management company.
In this state, ST1 in FIG. 3 is started. That is, first, a visiting company of products using the credit card authentication system 1 is managed by the credit card authentication apparatus 20 or the like from the mobile phone 10 possessed by the employee via the Internet network 11 of FIG. Access the home page. Further, the mobile phone accesses a site for downloading credit card authentication application data for mobile phones.

Then, the mobile phone credit card authentication application data download program 71 in FIG. 7 moves, and as shown in ST2, the user is requested to input the member store ID number and the like, and the user presses the push button 10a on the mobile phone 10. To input a member store ID number or the like that has been issued in advance by the management company.
By the way, as shown in FIG. The credit card authentication device 20 stores member store ID number data 81 a issued in advance in the member store ID number data storage unit 81.
Further, as shown in FIG. 7, a member store ID determination program 72 is provided.
Therefore, in ST3, the member store ID determination program 72 operates to determine whether or not the member store ID number input from the mobile phone 10 matches the member store ID number of FIG.

Next, if the member store ID numbers match in ST3, the mobile phone credit card authentication application data is allowed to be downloaded and downloaded to the mobile phone 10 as shown in ST4.
Specifically, mobile phone credit card authentication application data 82a stored in mobile phone credit card authentication application data storage unit 82 in FIG. 8 is downloaded.
In other words, the credit card authentication application data 82a for mobile phone downloaded to the mobile phone 10 in this way is stored as download data 16a in the download data storage unit 16 in FIG.

Next, in ST5, the downloaded mobile phone credit card authentication application data 82a is activated, and an initial registration processing screen is displayed. Then, the user uses the push button 10a of the mobile phone 10 to input the certificate setting license key and the license ID number (login ID number) issued in advance by the management company. Further, the telephone number of the mobile phone 10a is also input. On the other hand, the machine identification number 15a of the mobile phone 10a is automatically transmitted to the credit card authentication apparatus 20 by a transmission program or the like (not shown).
The machine identification number 15a of the cellular phone 10 is stored in the machine identification number storage unit 15 of the cellular phone 10 as shown in FIG.

Next, the process proceeds to ST6. In ST6, it is determined whether the certificate setting license key and the license ID number input in ST5 are correct.
That is, as shown in FIG. 8, a certificate setting license key data storage unit 83 for storing a certificate setting license key data 83a that has already been issued is formed in the credit card authentication device 20.
The credit card authentication apparatus 20 also includes a license ID number (login ID number) data storage unit 84 that stores license ID number (login ID number) data 84a that has already been issued.
Further, as shown in FIG. 7, the credit card authentication apparatus 20 has a certificate setting license key and a license ID number determination program 73.
Accordingly, the certificate setting license key and license ID number determination program 73 is activated, and the certificate setting license key data 83a and license ID data 83a and the license ID that have already been issued are entered. The number (login ID number) data 84a is compared to determine whether it is correct.

Next, in ST6, if the input certificate setting license key or the like is correct, the process proceeds to ST7, and the mobile phone 10 is registered in the credit card authentication apparatus 20. Specifically, input information (for example, a machine identification number) is registered as registration data for each mobile phone 10 in the registration data storage unit 85 for each mobile phone in FIG.
The mobile phone initial registration process (communication process) is thus completed.

  In this way, a user who wants to use the credit card authentication system 1 can surely obtain subsequent services by registering in the credit card authentication device 20 for each mobile phone 10 involved in the use. .

Next, credit card authentication processing (authorization) for actually authenticating a credit card in FIGS. 4 and 5 will be described.
First, for example, a sales person in charge of product sales has the mobile phone 10 registered in the credit card authentication device 20, and goes to the customer to sell the product. At this time, if there is a request from the purchaser of the product to pay with a credit card, ST11 is started.
In ST11, this sales representative operates the mobile phone 10, accesses the homepage managed by the credit card authentication apparatus 20 via the Internet network 11 of FIG. 1, and accesses the credit card authentication processing site.
Then, in ST12, a login ID number (license ID number) input screen is opened, and the sales representative inputs the login ID number from the mobile phone 10.
Then, the cellular phone 10 is transmitted to the credit card authentication apparatus 20 together with the machine identification number 15a of FIG. 6A (ST13).

Then, in ST14, the login ID number (license ID number) determination program 74 in FIG. 7 is activated, and whether or not the transmitted login ID number and machine identification number match the registration data for each mobile phone in FIG. If they match, the process proceeds to ST15.
In ST15, an input screen for information on the credit card to be authenticated is opened, where information such as the credit card number, settlement amount, expiration date, and number of payments of the above-mentioned merchandise purchaser is stored in the mobile phone 10. Is input via the push button 10a.
In other words, this credit card number or the like is an example of card-specific information regarding the card.
Information such as the credit card number of the input credit card is sent to the credit card authentication apparatus 20 via the communication apparatus 65 of FIG.

Then, in ST16, the credit card company determination program 75 of the credit card authentication apparatus 20 in FIG. 7 operates to identify the credit card company, for example, A credit card company from the received credit card number or the like.
Next, the credit card data transmission program 76 of the credit card authentication apparatus 20 is activated, and transmits data such as the credit card number of the above-mentioned credit card to, for example, the A credit card company server 30 of FIG. 1 (ST17).

Next, in ST18, the A credit card company server 30 specifies the corresponding credit card from the data such as the credit card number. In ST19, it is determined whether or not the credit card can be used under the conditions.
That is, as shown in FIG. 9, the A credit card company server 30 has a credit card availability determination data storage unit 31 for storing credit card availability determination data 31a.
The credit card availability determination data 31a includes data such as the amount of borrowing, such as an expiration date for each credit card.
Further, the A credit card company server 30 has a credit card usable determination program 33 as shown in FIG.

Therefore. Specifically, the credit card availability determination program 32 is activated, based on the data such as the credit card number transmitted from the credit card authentication apparatus 20 and the credit card availability determination data 31a in the credit card in FIG. It is determined whether or not the credit card can be used under the input conditions.
When it is determined that the credit card can be used, an approval number and a reception number are registered.
Specifically, it is registered in the approval number data storage unit 32 for each credit card in FIG. 9 as data 32a for the approval number and the reception number for each credit card.
Then, the approval number and the reception number are transmitted to the credit card authentication apparatus by the approval number (non-approval number) and the reception number data transmission program 34 for each credit card in FIG. 9 (ST20).

On the other hand, if the credit card cannot be used under the conditions in ST19, the credit card company server 30 stores the disapproval number and the reception number in the storage unit 32 for the approval number data and the like for each credit card. The approval number (non-approval number) and the reception number data transmission program 34 are transmitted to the credit card authentication apparatus (ST21).
In the present embodiment, ST21 is configured to assign a disapproval number. However, the present invention is not limited to this, and when it cannot be used, a disapproval number is not attached to the credit card authentication device. You may send it. In this case, since the process of assigning a disapproval number is not necessary, the system becomes efficient.
As described above, the approval number (non-approval number) and the reception number generated by the A credit card company server 30 are examples of the availability information.

Next, the credit card authenticating apparatus 20 is activated by the registration program 77 for approval information or the like shown in FIG. 7, and the received approval number (non-approval number) and reception number are stored in the credit card data storage unit 86 shown in FIG. Stored as data 86a (ST22).
Next, the approval result display program 78 of FIG. 7 is activated, and the approval number (non-approval number) and the reception number as the credit card data 86a are sent to the mobile phone 10, and the mobile phone 10 displays the data on the display 10c. (ST23).
This completes the credit card authentication process.

Thus, by displaying the approval number or the disapproval number on the display 10c of the mobile phone 10, the above-mentioned sales representative can easily know whether or not the credit card can be used.
Further, when the credit card is usable, the sales person in charge receives the necessary information from the merchandise purchaser on the credit card slip.

  Thus, in this embodiment, credit card authentication (authorization) can be easily performed by using a normal mobile phone 10 without using a dedicated terminal as in the prior art. Also, in the present embodiment, unlike a conventional CAT terminal or the like, the terminal can send data to the credit card authentication apparatus 20 instead of sending data directly to a credit card host computer or the like for authentication (authorization). Therefore, the system becomes much simpler and less expensive than when using a CAT terminal or the like.

  In the present embodiment, the credit card authentication in the mobile phone 10 is in an unsettled state, and the payment is performed with reference to the credit card data 86a of the credit card authentication device 20, etc. Then, even when a credit card that cannot be used by mistake is judged to be usable and processed, correction can be made at the settlement stage, and it is possible to prevent an erroneous settlement.

  The present invention is not limited to the embodiments described above.

It is the schematic which shows the credit card authentication system which is the card | curd authentication system of this invention, for example. FIG. 2 is a schematic diagram showing main hardware configurations and the like of the mobile phone and credit card authentication device shown in FIG. 1. It is a schematic flowchart which shows the main operations etc. of a credit card authentication system. It is another schematic flowchart which shows the main operations etc. of a credit card authentication system. It is another schematic flowchart which shows the main operations etc. of a credit card authentication system. (A) is a schematic block diagram which shows the main software structures of a mobile telephone apparatus, (b) is a schematic block diagram which shows the main software structures of a credit card authentication apparatus. It is a schematic block diagram which shows the main software structures which are the contents of the 1st memory | storage part of FIG.6 (b). It is a schematic block diagram which shows the main software structures which are the contents of the 2nd memory | storage part of FIG.6 (b). It is a schematic block diagram which shows the main software structures of the A credit card company server of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Credit card authentication system, 10 ... Mobile phone, 10a ... Push button, 10b ... Antenna, 10c ... Display, 11 ... Internet network, 12 ... Mobile phone base station , 20 ... Credit card authentication device, 30 ... A credit card company server, 71 ... Credit card authentication application data download program for mobile phone, 72 ... Merchant ID determination program, 73 ... Authentication Certificate setting license key and license ID number determination program, 74... Login ID number (license ID number) determination program, 75... Credit card company determination program, 76.・ Registration program for approval information, 78 ... Approval Fruit display program, 81 ... Merchant ID number data storage unit, 82 ... Mobile phone credit card authentication application data storage unit, 83 ... Certificate setting license key data storage unit, 84 ... License ID number (login ID number) data storage unit, 85... Registration data storage unit for each mobile phone, 86... Credit card data storage unit

Claims (4)

An information input button for inputting card-specific information about the card;
A communication unit for transmitting the input card-specific information;
A mobile phone having an information display unit for displaying the card availability information;
The use permission information mediating device that receives the card specific information and provides the use permission information to the mobile phone;
A usability information providing device for generating the usability information based on the card specific information received from the usability information mediating device, and transmitting the generated usability information to the usability information mediating device; The card authentication system characterized in that the usability information mediating device has a usability information storage unit for storing the usability information.   The card authentication system according to claim 1, wherein the usability information mediating device has a mobile phone identification information storage unit for storing mobile phone identification information for identifying the mobile phone.   Before entering the card specific information into the mobile phone, the mobile phone identification information of the mobile phone is stored in the mobile phone identification information storage unit of the availability intermediary device. The card authentication system according to claim 2. The availability information providing device is installed for each card issuing company,
2. The device according to claim 1, wherein the usability information mediating device is configured to transmit the card specific information acquired from the mobile phone to the usability information providing device of the card issuing company. Item 4. The card authentication system according to any one of Items3.

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