JP2009251981A - Affiliation card management system and reader/writer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an affiliation card management system that determines whether a parent card is an affiliation card when a non-contact IC chip is used. <P>SOLUTION: A cellphone 15 installs a credit application for using the non-contact IC chip 68 as a credit card and also an affiliate application for an affiliation card that is the parent card of the IC chip 68, and holds a credit number of the parent card. When using the IC chip 68 of the cellphone 15 for settlement, when the cellphone 15 is held over an R/W 17, settlement processing using the credit application is performed, and then the R/W 17 communicates with the affiliate application to receive the affiliate application credit number stored in the memory of the IC chip of the cellphone 15 and determines whether the parent card of the IC chip 68 is a general card or affiliation card according to the received affiliate application credit number. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an affiliated card management system for managing information on an affiliated card associated with a credit card of an IC chip that supports non-contact communication.

  There are two types of credit cards, contact and non-contact media. In recent years, mobile terminals such as mobile phones equipped with IC chips that support non-contact communication have increased significantly. Yes. Many of IC card credit cards that support non-contact communication are child card systems using a magnetic stripe credit card as a parent card, and are often mounted as applications on a portable terminal. Further, the credit card as the parent card and the IC chip card number as the child card are not the same, and are associated with each other at the credit issuing company at the time of settlement. (For example, see Patent Document 1 and Patent Document 2)

On the other hand, in recent years, affiliated cards that integrate a membership card card and a credit card service of a store or a company have spread mainly in distribution companies. Affiliate cards have advantages for users, stores or companies, and credit card issuers, and are expected to be widely used in the future.
The affiliated card can be identified as an affiliated card by using several digits of the credit card number. When you use an affiliated card at a store, you may receive benefits such as point grants, discounts, etc., but when you settle using a credit card with a magnetic stripe, identify whether the credit card is an affiliated card or not Can be easily determined from the read credit card number.
JP 2004-287594 A JP 2006-106988 A

However, since the linking operation between the parent card and the child card is generally not performed in real time but is performed later in batch processing, the above method determines the parent card of the child card in real time when the child card is used at the time of purchase It is a difficult situation to do.
Further, there is no current rule for assigning a card number of an IC chip corresponding to non-contact communication, and it is difficult to identify whether the card is a partner card by a card number like a magnetic stripe credit card. Therefore, when payment is made with a credit card of an IC chip, there is a disadvantage that the privilege of the affiliated card cannot be received even though the parent card is the affiliated card.

  The present invention has been made in view of such problems, and an object thereof is an affiliated card management system capable of determining whether or not a parent card is an affiliated card when using a credit card of an IC chip corresponding to non-contact communication. Etc. is to provide.

  In order to achieve the above-described object, the first invention provides a portable terminal equipped with an IC chip that supports non-contact communication, a reader / writer that communicates with the portable terminal, the portable terminal, the reader / writer, and a network. And a server connected to the mobile terminal, wherein the portable terminal is for a credit application for using the IC chip as a credit card, and for an affiliate card serving as a parent card of the IC chip. The member store application is downloaded from the server and installed in an executable state, and the reader / writer is a member store at the time of settlement with the portable terminal on which the credit application is executed or after settlement processing. In the IC chip from the portable terminal where the application is executed An affiliated card management system, wherein identification information for identifying the stored affiliated card is received, and whether the parent card of the IC chip is a general card or the affiliated card is determined based on the received identification information. is there.

The identification information is a credit card number of the partner card.
The reader / writer further grants privilege information related to the affiliated card to the portable terminal on which the member store application is executed when the parent card of the IC chip is determined to be the affiliated card.

  A second invention is a reader / writer that communicates with a mobile terminal equipped with an IC chip that supports non-contact communication, and the IC chip of the mobile terminal has a credit application for use as a credit card; And an affiliated store application for a partner card that becomes a parent card of the IC chip, and is installed in an executable state, and at the time of settlement with the portable terminal on which the credit application is executed or after settlement processing, the membership Receiving identification information for identifying the affiliated card stored in the IC chip from the mobile terminal on which the store application is executed, and whether the parent card of the IC chip is a general card or the affiliated by the received identification information It is a reader / writer characterized by determining whether it is a card or not.

  ADVANTAGE OF THE INVENTION According to this invention, when using the credit card of the IC chip corresponding to non-contact communication, the affiliated card management system etc. which can determine whether a parent card is an affiliated card can be provided.

  Hereinafter, preferred embodiments of an affiliated card management system according to the present invention will be described in detail with reference to the accompanying drawings.

First, the affiliated card management system 1 according to the present embodiment will be described with reference to FIG.
FIG. 1 is a diagram showing an outline of the affiliated card management system 1.

In the affiliated card management system 1, a mobile terminal such as a mobile phone 15 equipped with an IC chip, a member store application server 3, and a credit card management server 9 are connected via a network 19 such as the Internet.
The R / W (reader / writer) 17 is installed in a store or the like which is a member store of the affiliated card, and performs communication and processing with an IC chip corresponding to non-contact communication mounted on the mobile phone 15 or the like.

The mobile phone 15 is equipped with an IC chip that supports non-contact communication, and has functions such as various membership cards, point cards, credit cards with point functions, as well as train / bus / passenger tickets and air tickets. Can do.
The mobile phone 15 is connected to the network 19 via a base station (not shown) and communicates with the member store application server 3 and the like.
In addition to the credit application for using the IC chip as a credit card, the mobile phone 15 installs a member store application if the IC chip is a child card of the affiliated card.

When the owner of the mobile phone 15 purchases goods, services, etc. at a store, etc. and intends to make a payment with an IC chip as a credit card, the mobile phone 15 carries it to an R / W (Read / Write) 17 installed at the store, etc. Settlement over phone 15 to make payment. The R / W 15 is connected to the member store application server 3 and the credit card management server 9 via the network 19 or the like.
When it is determined that the IC chip of the mobile phone 15 is a child card of the affiliated card of the store, privilege information such as point addition and discount is given at the time of settlement with the IC chip in the same manner as the affiliated card.

  The member store application server 3 is a server installed in an ASP (Application Service Provider) or the like, and is an alliance with a child card number that is a card number of an IC chip mounted on the mobile phone 15 or the like and a parent card of the IC chip. It has a partner card information DB 5 that holds a card number associated with a parent card number and the like, and a member store application download DB 7 that includes data necessary for installing the member store application on the mobile phone 15. .

The credit card management server 9 is a server installed in a card issuing company or the like, and executes credit card settlement processing and the like.
The credit card management server 9 has a card information DB 11 that holds information about credit cards, information about child cards, and the like.

Next, the member store application server 3 will be described with reference to FIGS.
FIG. 2 is a diagram showing a hardware configuration of the member store application server 3, and FIG. 3 is a diagram showing details of the affiliated card information data 31 of the affiliated card information DB5.

  The member store application server 3 includes a control unit 21, a storage device 22, a media input / output unit 23, an input unit 24, a printing unit 25, a display unit 26, a communication unit 27, and the like interconnected by a bus 28.

  The control unit 21 includes a CPU (Central Processing Unit) for executing a program, an OS (Operating System), a ROM (Read Only Memory) for storing program instructions or data, a RAM (Random Access Memory), and the like. Consists of The control unit 21 controls the operation of the entire member store application server 3.

The storage device 22 is a storage medium for storing fixed data such as a control program of the member store application server 3 and various data.
The media input / output unit 23 is a medium drive such as CD-ROM (Compact Disc Read Only Memory) or CD-RW (CD-ReWriteable), flexible disk, MO (Magneto Optical Disc), etc. Write data to the medium.

The input unit 24 is an input device such as a keyboard and a mouse.
The printing unit 25 is a printer, and prints necessary information and the like according to a request from the user.
The display unit 26 is a display device such as a CRT or LCD.
The communication unit 27 is a communication control device, a communication port, or the like, and controls communication via the network 19.

The affiliated card information DB 5 possessed by the member store application server 3 has the affiliated card information data 31 shown in FIG. The affiliated card information data 31 includes an affiliated credit number 33 of the affiliated card member and a child card number 35 that is a card number of an IC chip corresponding to non-contact communication as a child card.
When the mobile phone 15 tries to install the member store application, it installs necessary information from the affiliated card information data 31 of the affiliated card information DB5.

Next, the credit card management server 9 will be described with reference to FIGS.
4 is a diagram showing a hardware configuration of the credit card management server 9, and FIG. 5 is a diagram showing details of the card information data 51 of the card information DB 11. As shown in FIG.

  The credit card management server 9 includes a control unit 41, a storage device 42, a media input / output unit 43, an input unit 44, a printing unit 45, a display unit 46, a communication unit 47, and the like interconnected by a bus 48.

  The control unit 41 includes a CPU that executes a program, and a memory such as a ROM and a RAM that store an OS, program instructions, data, and the like. The control unit 41 controls the operation of the entire credit card management server 9.

The storage device 42 is a storage medium for storing fixed data such as a control program of the credit card management server 9 and various data.
The media input / output unit 43 is a drive of a medium such as a CD-ROM or CD-RW, flexible disk, or MO, and reads data from the medium or writes data to the medium.

The input unit 44 is an input device such as a keyboard and a mouse.
The printing unit 45 is a printer, and prints necessary information and the like according to a request from the user.
The display unit 46 is a display device such as a CRT or LCD.
The communication unit 47 is a communication control device, a communication port, and the like, and controls communication via the network 19.

The card information DB 11 of the credit card management server 9 has card information data 51 shown in FIG.
The card information data 51 includes a credit number 53 that is a card number of a credit card that is a parent card and a child card number 55 that is a card number of an IC chip corresponding to non-contact communication such as a mobile phone 15 that is a child card. Have.
The member store application server 3 periodically receives the card information data 51 relating to the affiliated card from the card information data 51 of the card information DB 11 and stores it in the affiliated card information DB 5.

Next, the mobile phone 15 will be described with reference to FIGS.
FIG. 6 is a diagram showing a hardware configuration of the mobile phone 15, and FIG. 7 is a diagram showing details of the memory 66 of the mobile phone 15.

  As shown in FIG. 6, the mobile phone 15 includes a control unit 61, a wireless communication unit 62, a display unit 63, an input unit 64, a call processing unit 65, a memory 66, an IC chip I / F 67, an IC chip 68, and the like on a bus 69. Connected through.

  The control unit 61 includes a CPU that executes a program, a memory such as an OS, a ROM that stores program instructions or data, and a RAM that stores temporary work data. The control unit 61 controls the entire mobile phone 15.

  The wireless communication unit 62 controls wireless communication performed with a base station (not shown). Under the control of the control unit 61, the wireless communication unit 62 generates a signal such as voice-related data or packet communication data, and transmits the signal to the base station or receives a radio signal transmitted from the base station. Then, the received signal is demodulated to obtain voice-related data and packet communication data.

The display unit 63 includes a liquid crystal display panel and performs display control.
The input unit 64 includes key buttons and the like for inputting numbers, characters, and operation instructions, and outputs a signal corresponding to the operation of the key button to the control unit 31.
The call processing unit 65 includes a microphone, a speaker, a voice processing unit, and the like, and performs call processing including call connection and disconnection processing under the control of the control unit 61.
The memory 66 stores application programs installed in the mobile phone 15, address book data such as telephone numbers and mail addresses, and the like.

  The IC chip I / F 67 is connected to the IC chip 68 and controls serial communication between the control unit 61 and the IC chip 68. The IC chip I / F 67 may control non-contact communication between the IC chip 68 and the R / W 17 or the like.

  The IC chip 68 is an IC chip that supports non-contact communication such as a FeliCa (registered trademark) IC chip, a USIM (Universal Subscriber Identity Module) card, and the like. Information on business operators, etc. is recorded.

As shown in FIG. 7, the memory 66 of the mobile phone 15 includes an OS 71, a credit application 72, a member store application 73, and the like.
The OS 71 is a program that controls the entire program executed by the control unit 61 of the mobile phone 15.
The credit application 72 is a program that executes a settlement process of the IC chip 68 mounted on the mobile phone 15.
The member store application 73 is a program that is installed when the credit card that is the parent card of the IC chip 68 is a partner card, and performs point management of the partner card, point display to the user, and the like.

Next, the IC chip 68 will be described with reference to FIGS.
8 is a diagram showing a hardware configuration of the IC chip 68, and FIG. 9 is a diagram showing details of the memory 84 of the IC chip 68. As shown in FIG.

  As shown in FIG. 8, the IC chip 68 is connected to a CPU 81, a ROM 82, a RAM 83, a memory 84, and a communication unit 85 via a bus 86.

The CPU 81 executes the program. The ROM 82 stores program instructions or data. The RAM 83 temporarily stores data and the like during execution of the program.
The memory 84 stores data and the like necessary for the operation of the IC chip 68.
The communication unit 85 performs communication with the mobile phone 15 or the R / W 17.

As shown in FIG. 9, the memory 84 of the IC chip 68 has a credit card child card number 92, a member store application credit number 93, and the like.
The credit application child card number 92 is a credit card number of the IC chip 68 of the mobile phone 15 and is IC data used by the credit application 72 installed in the memory 66 of the mobile phone 15.
The member store application credit number 93 is the credit card number of the affiliated card that becomes the parent card of the IC chip 68 of the mobile phone 15.

Next, the R / W 17 will be described.
FIG. 10 is a diagram illustrating a hardware configuration of the R / W 17, and FIG. 11 is a diagram illustrating details of the storage device 102 of the R / W 17.

The R / W 17 is installed in a store or the like in order to make a payment for the IC chip 68 as a credit card.
As illustrated in FIG. 10, the R / W 17 includes a control unit 101, a storage device 102, an input unit 103, a display unit 104, a communication unit 105, and the like that are interconnected by a bus 106.

The control unit 101 includes a CPU that executes a program and a memory such as a ROM and a RAM that store program instructions or data. The control unit 101 controls the entire operation of the R / W 17.
The storage device 102 is a storage medium that stores fixed data such as a control program, a program, and the like.
The input unit 103 is an input device for inputting data to the R / W 17.
The display unit 104 is a display device such as an LCD.
The communication unit 105 controls communication with the mobile phone 15 and the like.

  As shown in FIG. 11, the storage device 102 of the R / W 17 includes an OS 111 for controlling the entire R / W 17, an R / W application 112 for controlling the operation of the R / W 17, and the like.

Next, the operation of the embodiment of the affiliated card management system 1 will be described with reference to FIGS.
FIG. 12 is a flowchart showing the flow of processing for installing the member store application 73 on the mobile phone 15, and FIG. 13 is a flowchart showing the flow of processing when making a payment using the IC chip 68 mounted on the mobile phone 15. is there.

When the IC chip 68 mounted on the mobile phone 15 is a child card of the affiliated card, the user of the mobile phone 15 can install the credit application 72 for performing payment processing with the IC chip 68 in addition to the member store application. 73 is installed.
As shown in FIG. 12, the mobile phone 15 accesses the site of the member store application server 3 via the network 19 or downloads the member store application 73 by e-mail, two-dimensional barcode or the like. By obtaining and accessing an initialization URL (Uniform Resource Locator), the member store application server 3 is requested to download the member store application 73 (step 201).

The member store application server 3 determines whether fraud is not performed from the parameter transmitted to the mobile phone 15 and permits the mobile phone 15 to download the member store application 73 (step 202).
The mobile phone 15 downloads the member store application 73 from the member store application download DB 7 of the member store application server 3 and installs the member store application 73 in the memory 66. Also, the mobile phone 15 receives the member store application credit number 93 required for the member store application 73. Installation is performed in the memory 84 of the IC chip 68 (step 203), and the completion of download is notified to the member store application server 3 (step 204).
When the member store application 73 is installed in the mobile phone 15, it is determined that the IC chip 68 mounted on the mobile phone 15 is a child card of the affiliated card.

  When the IC chip 68 mounted on the mobile phone 15 is used to make a payment at a store that is a member store of the affiliated card, as shown in FIG. 13, the user installs the mobile phone 15 in the store. When the mobile phone 15 is held over W17, the R / W 17 reads the member store application child card number in the memory 84 of the IC chip 68 of the mobile phone 15 and performs a credit settlement process (step 301).

After the settlement process is completed, the R / W 17 inquires whether the member store application 73 is installed on the mobile phone 15 (step 302), and responds that the mobile phone 15 has installed the member store application 73 (step 303). The R / W 17 inquires of the IC chip 68 of the mobile phone 15 about the credit number of the parent card of the IC chip 68 (step 304).
The IC chip 68 of the mobile phone 15 reads the member store application credit number 93 in the memory 84 and transmits it to the R / W 17 (step 305). The R / W 17 determines whether or not the received merchant application credit number 93 is the credit number of the affiliated card. If the credit number of the affiliated card is the affiliated card, the R / W 17 performs processing for granting privilege information such as point grants and discounts as the affiliated card. (Step 306).

Thus, according to the present embodiment, it is possible to provide an affiliated card management system or the like that can determine whether or not the parent card is an affiliated card when using an IC chip that supports non-contact communication.
In addition to the credit application that processes IC chips that support non-contact communication, the merchant application is installed on the mobile phone, and the credit card number of the parent card of the IC chip that supports non-contact communication is retained. It is possible to determine whether the parent card is a general card or an affiliated card when making a payment with an IC chip that supports non-contact communication without modifying the credit application for the IC chip that supports contact communication.

  By installing the member store application, it is possible to freely lay out a mobile screen as a card surface design for each of the various affiliated cards, and it is possible to maintain the uniqueness like an existing card.

  If there is a security concern about storing the credit card number of the IC card's parent card that supports contactless communication in the IC chip of the mobile phone, it is possible to distinguish between general cards and affiliated cards instead of the parent card's credit number. An arbitrary number or the like may be stored.

  The preferred embodiment of the affiliated card management system according to the present invention has been described above with reference to the accompanying drawings, but is not limited to the above-described embodiment. It is obvious for those skilled in the art that various modifications or modifications can be conceived within the scope of the technical idea described in the claims, and these are naturally within the technical scope of the present invention. It is understood that it belongs.

The figure which shows the outline of the affiliated card management system 1 The figure which shows the hardware constitutions of member store application server 3 The figure which shows the detail of the affiliated card information data 31 of affiliated card information DB5 The figure which shows the hardware constitutions of the credit card management server 9 The figure which shows the detail of the card information data 51 of card information DB11 The figure which shows the hardware constitutions of the mobile telephone 15 The figure which shows the detail of the memory 66 of the mobile telephone 15 The figure which shows the hardware constitutions of IC chip 68 The figure which shows the detail of the memory 84 of IC chip 68 The figure which shows the hardware constitutions of R / W17 The figure which shows the detail of the memory | storage device 102 of R / W17 The flowchart which shows the flow of the process which installs member store application 73 in the mobile telephone 15 The flowchart which shows the flow of a process at the time of making a payment using IC chip 68 mounted in the mobile phone 15.

Explanation of symbols

1 ……… Alliance card management system 3 ……… Member store application server 5 ……… Alliance card information DB
7 ……… DB for member store application download
9: Credit card management server 11: Card information DB
15 ……… Mobile phone 17 ……… R / W
19 ... Network

Claims (6)

Partner card management system comprising: a portable terminal equipped with an IC chip that supports non-contact communication; a reader / writer that communicates with the portable terminal; and a server that is connected to the portable terminal and the reader / writer via a network. Because
The portable terminal is in a state where a credit application for using the IC chip as a credit card and a member store application for a partner card serving as a parent card of the IC chip are downloaded from the server and can be executed. Installed on the
The reader / writer identifies the affiliated card stored in the IC chip from the portable terminal on which the member store application is executed at the time of payment with the portable terminal on which the credit application is executed or after payment processing. An affiliated card management system that receives identification information and determines whether the parent card of the IC chip is a general card or the affiliated card based on the received identification information.   The affiliated card management system according to claim 1, wherein the identification information is a credit card number of the affiliated card.   The reader / writer further grants privilege information related to the affiliated card to the mobile terminal on which the member store application is executed when the parent card of the IC chip is determined to be the affiliated card. Item 3. A partner card management system according to item 1 or item 2. A reader / writer that communicates with a portable terminal equipped with an IC chip that supports non-contact communication,
In the IC chip of the mobile terminal, a credit application for use as a credit card and a member store application for a partner card that becomes a parent card of the IC chip are installed in an executable state,
Identification information for identifying the affiliated card stored in the IC chip is received from the portable terminal on which the member store application is executed at the time of payment with the portable terminal on which the credit application is executed or after payment processing. And determining whether the parent card of the IC chip is a general card or the partner card based on the received identification information.   5. The reader / writer according to claim 4, wherein the identification information is a credit card number of the partner card.   Furthermore, when the parent card of the IC chip is determined to be the affiliated card, specific information regarding the affiliated card is given to the mobile terminal on which the member store application is executed. Item 6. The reader / writer according to Item 5.

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