JP2013140489A - Photographic negative information management system, photographic negative information management method, and photographic negative information management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To effectively suppress a fraudulent use of an IC card by appropriately reflecting negative card information to a negative list.SOLUTION: A computer 100 executes processes of: communicating with management devices 103 and acquiring usage history data of a negative card that has been determined not available in one issuer, in other issuers before a time and date when the one issuer has determined not available; calculating a ratio of a usage situation in each organization to the whole usage situations of the negative card of other issuers for across the respective organizations on the basis of the usage history data, calculating an expectation value obtained based on the ratio and which represents anticipated uses of the negative card in the respective organizations, and storing it in a table 125, with the negative card associated with the other issuers and the organizations; and reading from the table 125, each negative card and its expectation value for each of the other issuers and respective data of the organizations, and transmitting the read data as an other-issuer negative list to the management devices 104 of the other issuers.

Description

  The present invention relates to a negative information management system, a negative information management method, and a negative information management program. Specifically, the negative card information is accurately reflected in a negative list to effectively prevent unauthorized use of an IC card. Related to technology.

  In recent years, the use of IC cards has been actively used as a means of settlement at tickets for various transportation facilities, stores, and the like. On the other hand, when such an IC card is lost or stolen, there is a possibility that it will be illegally used if the finder is malicious, and it is necessary to manage so that it cannot be used as a so-called negative card. A negative list, which is negative card list information, is used when managing negative cards. When deterring unauthorized use of an IC card using a negative list, the negative list data is registered in advance in the IC card operation device, and the corresponding IC card exists in the negative list each time the IC card is used by the operation device. Processing to determine whether or not to control the operating device based on the determination result is performed.

  As described above, with the expansion of opportunities for using IC cards, various techniques for preventing unauthorized use have been put into practical use for IC cards that cannot be used for various reasons. As a conventional technique for preventing unauthorized use of an IC card, for example, an ID management center that supervises the entire ID management system collects usage data of all daily cards, analyzes all collected usage data, Discover unauthorized card usage in advance. In addition, even when a card is illegally used by an unexpected means, a technique (see Patent Document 1) for detecting an ID that may be illegal by analyzing the usage history of each card has been proposed. Yes.

  In addition, a technique has been proposed in which all the amount of negative data is always accumulated to enable the total amount check, the transmission time is shortened, and the consistency between the source and distribution destination negative data is ensured (see Patent Document 2). Yes.

  Also, in a card operation system such as an IC card, shortening the time from when a card user reports loss or theft to the card issuer and completing the invalidation processing of the card, and being registered in the card There has also been proposed a technique (see Patent Document 3) for quickly upgrading the version of existing application software.

JP 2000-242749 A JP 2005-234642 A JP 2006-331078 A

  By the way, the above-mentioned IC card is being partnered with other companies so that different card issuing companies can use each other. In that case, since a plurality of types of IC cards including those of other companies are used in a certain company's device, it is necessary to obtain a negative list regarding the IC card of the partner and register it in each device. With the expansion of IC card usage opportunities, including mutual use among partner companies, negative list data to be registered in devices is increasing.

  On the other hand, since there is an upper limit on the number of negative list registrations in the device, when the number of negative cards becomes too large and exceeds the upper limit, there will be a negative card that cannot be registered in the negative list. If an IC card not registered in the negative list is used even though it is a negative card, unauthorized use cannot be prevented. In other words, it can be said that it is becoming difficult to prevent the illegal use of the IC card by accurately reflecting the increasing information on the negative card to the negative list.

  Accordingly, an object of the present invention is to provide a technique for effectively preventing unauthorized use of an IC card by accurately reflecting negative card information on a negative list.

  The negative information management system of the present invention that solves the above problem is a computer system that manages negative information related to IC cards that can be mutually used between issuing companies, a communication unit that communicates with other devices, and a memory that stores data And other issuing companies that can use IC cards mutually in cooperation with the issuing company regarding negative cards that cannot be used by the issuing company to which the management apparatus belongs. In accordance with the process of acquiring the data of the use history before the date and time when the use is disabled and storing the data in the storage unit and the data of the use history in the storage unit, each organization of the other issuing company in the corresponding negative card Calculate the ratio of usage at each institution to the total usage across the network, and calculate the expected value at which the corresponding negative card is expected to be used at each institution The process of storing the expected value in the table of the storage unit in association with the corresponding negative card and the other issuing company and the corresponding organization, and from the table, each negative card, the expected value and each of the corresponding organization for each other issuing company. And a calculation unit that executes a process of reading the data and transmitting the read data as a third party negative list to the management apparatus of the other issuing company.

  The negative information management method of the present invention includes a communication unit that communicates with another device and a storage unit that stores data, and a computer that manages negative information about an IC card that can be used mutually between issuing companies. Communicating with the management device of various organizations where IC cards are used, and in other issuing companies that can cooperate with the issuing company and use IC cards mutually, regarding negative cards that are not usable by the issuing company to which the management device belongs The data of the use history before the date and time when the use is disabled is acquired and stored in the storage unit, and the data of the use history in the storage unit is crossed over each organization of the other issuing company in the negative card. Calculate the ratio of usage at each institution to the total usage, calculate the expected value at which the relevant negative card is expected to be used at each institution, and apply the expected value The process of storing in the table of the storage unit in association with the ga card, the other issuing company and the corresponding institution, and reading each negative card, its expected value and each data of the corresponding institution from the table, and reading the data And a process of transmitting data as a third party negative list to the management apparatus of the other issuing company.

  In addition, the negative information management program includes a communication unit that communicates with another device and a storage unit that stores data. The negative information management program is stored in a computer that manages negative information related to an IC card that can be used mutually between issuing companies. Communicating with the management device of various organizations where the management device is used, and regarding the negative card that is disabled at the issuing company to which the management device belongs, the use at the other issuing company that can cooperate with the issuing company and can use the IC card mutually Based on the process of acquiring the usage history data before the date and time of being disabled and storing it in the storage unit, and the usage history data in the storage unit, all usages across the institutions of the other issuing companies in the corresponding negative card Calculate the ratio of usage at each institution to the situation, calculate the expected value at which each institution is expected to use the negative card, and calculate the expected value from the ratio. The processing of storing the card in association with the other issuing company and the corresponding organization in the table of the storage unit, and reading each negative card, its expected value and each data of the corresponding organization from the table, for each other issuing company And a process of transmitting data as a third party negative list to the management device of the other issuing company.

  The above management device is related to a negative card that cannot be used by the issuing company to which the management device belongs. It is assumed that the usage history data is acquired at regular intervals and stored in the storage unit. Alternatively, the management device may make an inquiry to the management device of another issuing company regarding the negative card to acquire necessary data (usage history).

  According to the present invention, it is possible to effectively prevent illegal use of an IC card by accurately reflecting negative card information to a negative list.

It is a network block diagram containing the negative information management system of this embodiment. It is a figure which shows the relationship between the function and usage data in a negative management server and ID management server of this embodiment. It is a flowchart which shows the process example 1 of the negative information management method in this embodiment. It is a flowchart which shows the process procedure example 2 of the negative information management method in this embodiment. It is a flowchart which shows the process example 3 of the negative information management method in this embodiment. It is a figure which shows the example of a data structure of the utilization log detailed information table in this embodiment. It is a figure which shows the data structural example of the IC card information table in this embodiment. It is a figure which shows the data structural example of the emergency negative information table in this embodiment. It is a figure which shows the data structural example of the negative information table in this embodiment. It is a figure which shows the data structural example of the negative card utilization totaling information table in this embodiment. It is a figure which shows the data structural example of the negative candidate list file in this embodiment. It is a figure which shows the data structural example of the negative prediction information table in this embodiment. It is a figure which shows the example of a data structure of the other company's negative list file in this embodiment. It is a figure which shows the data structural example of the negative list file in this embodiment.

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the negative information management system of the present embodiment. The negative management server 100, which is a negative information management system shown in FIG. 1, is a computer that effectively reflects the information on the negative card in the negative list and effectively prevents unauthorized use of the IC card. This negative management server 100 is connected to each server of the issuing company of each of the IC cards A to C via the network 16. The server of this card issuing company is an ID management server, and FIG. 1 illustrates ID management servers 102-104. The above-mentioned card issuing companies A to C are affiliated with each other, and IC cards issued by each company can be mutually used across transportation facilities, commercial facilities and the like.

  The IC card here is used as a ticket for transportation (eg, railway, bus, etc.), but can also be used for payment at other commercial facilities. Therefore, the IC card communicates with each reader / writer such as an automatic ticket gate at a railway station, a fare box at a bus entrance, a cash register at a store, etc., and exchanges boarding / departure data, settlement of boarding fees, payment of merchandise charges, etc. An IC chip, an antenna, and the like that execute each process and wireless communication associated therewith are provided. The configuration and functions of the IC card are the same as the existing ones.

  In the present embodiment, the ID management servers 102 to 104 are connected via a network to a corporate office system and an electronic money system, which are information distribution destinations of the negative list. In the example of FIG. 1, as an example, the ID management server 103 of the A card issuing company is connected to the company office systems 105 to 106 and the electronic money system 107. For example, the corporate office system 105 is a system of a business operator (that is, a corporate office) belonging to a card issuing company. In addition to the corporate office server 108 that receives a negative list from the ID management server 103, an automatic ticket gate installed at a railway station. Etc. (station service equipment 111), and a system including a device that directly operates an IC boarding ticket such as a terminal installed on a bus (bus equipment 113).

  The corporate office server 108 has a function of acquiring information on the use history of IC cards in the station service equipment 111 and the bus equipment 113 and relaying the information to the ID management server 103 via the network 17. Further, the corporate office server 108 transfers the negative list distributed from the ID management server 103 to the station service equipment 111 and the bus equipment 113. The office server 108 that performs such processing naturally manages information (identification information, network address, etc.) of the station service equipment 111 and the bus equipment 113 installed in the office.

  On the other hand, the station service equipment 111 and the bus equipment 113 accept the operation of the user who presents the IC card, and update the information of the IC card according to the operation content. Further, the station service equipment 111 and the bus equipment 113 are determined to be unauthorized use when an IC card registered in the negative list is used, and the use of the station service equipment 111 and the bus equipment 113 by the corresponding user is not restricted. Control to stop or disable operation from the user. In any case, the station service equipment 111 and the bus equipment 113 generate usage history data such as identification information, usage date, usage contents, usage results, etc. of the corresponding IC card when the IC card is used. To server 108.

  In addition, the electronic money system 107 implements the product sales function in the jurisdiction of the issuing company of the A card. This electronic money system 107 is a system including an electronic money server 110 that receives a negative list from the ID management server 103 and an electronic money terminal 115 that is responsible for payment processing of goods and services using an IC card in a commercial facility. is there.

  Next, the hardware configuration of the negative management server 100 will be described. The negative management server 100 stores in the memory 13 a storage unit 11 composed of a suitable non-volatile storage device such as a hard disk drive, a memory 13 composed of a volatile storage device such as a RAM, and a program 12 held in the storage unit 11. A communication unit that performs communication processing with the ID management servers 102 to 104 by connecting to the calculation unit 14 such as a CPU and the network 16 for performing overall control of the apparatus itself by performing read and executing and performing various determinations, calculations, and control processes 15. These parts are connected by BUS. In addition to the program 12, the storage unit 11 stores at least negative prediction information 125 (described later).

  The general configuration as such a computer includes ID management servers 102 to 104, company office servers 108 to 109, electronic money server 110, station service devices 111 to 112, bus devices 113 to 114, and electronic money terminal 115 as well. ing. The station equipments 111 to 112, the bus devices 113 to 114, the electronic money terminal 115, and the like are devices that perform data read / write processing with the IC card, and therefore naturally have an IC card reader / writer function. ing.

  Next, functions provided in the negative information management system of this embodiment will be described. As described above, the functions described below can be said to be functions that are implemented by executing the program 12 included in the negative management server 100.

  Here, the negative management server 100 communicates with the ID management server 103 which is a management device of various organizations (for example, railways, buses, stores, etc.) where the IC card is used, and issues an A card to which the ID management server 103 belongs. Regarding negative cards that have been made unusable by the company, before the date and time when the card was made unusable by another issuing company (B card or C card issuing company) that can cooperate with an A card issuing company and that can use IC cards mutually. It has a function of acquiring usage history data and storing it in the storage unit 11.

  In addition, the negative management server 100 occupies each usage situation across all the institutions (eg, railroads, buses, stores, etc.) of the other issuing companies in the negative card based on the usage history data in the storage unit 11. Calculate the proportion of usage at the institution, calculate the expected value at which the relevant negative card is expected to be used at each institution, and associate the expected value with the relevant negative card, the other issuing company and the relevant institution It has a function of storing in the negative prediction information table 125 of the storage unit 11.

  Further, the negative management server 100 reads each negative card, its expected value and each data of the corresponding institution from the negative prediction information table 125 for each of the other issuing companies, and uses the read data as a negative list of other companies, It has a function of transmitting to the ID management servers 102 to 104 as management devices.

  The negative information management system may include ID management servers 102 to 104 in addition to the negative management server 100 described above. In this case, the ID management servers 102 to 104 receive the above-mentioned other company's negative list from the negative management server 100, read the expected value of each negative card included in the other company's negative list for each institution, and each negative card has a large expected value for each institution. It has a function of selecting a predetermined number in order and making a list and distributing the list as a negative list to station equipments 111 to 112, bus devices 113 to 114, and electronic money terminals 115, which are predetermined devices of the relevant institution.

--- Example of processing procedure 1 ---
Hereinafter, the actual procedure of the negative information management method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the negative information management method described below are realized by the program 12 read and executed by the negative management server 100. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below. In describing the negative information management method in the present embodiment, as illustrated in FIG. 2, the ID management server 103 of the issuing company of the A card uses the created negative information of the A card (negative candidate list 131 (A)). The negative management server 100 creates and distributes another company's negative list 132 (C) for the ID management server 104 of the C card issuing company based on the negative candidate list 131 (A). Then, it is assumed that the ID management server 104 delivers the other company's negative list 132 (C), that is, the negative list 133 (C) including the negative list of the A card, to the corporate office system 116 and the electronic money system 117 under the control. That is, as an example, the negative management server 100, the ID management server 103 of the issuing company of the A card, the ID management server 104 of the issuing company of the C card, the corporate office system 116, and the electronic money system 117 are taken up. In FIG. 2, for reference, the C card negative information (negative candidate list 131 (C)) created by the ID management server 104 of the C card issuing company is transmitted to the negative management server 100, while this negative candidate list is transmitted. The flow in which the negative management server 100 creates and distributes another company's negative list 132 (A) for the ID management server 103 of the issuing company of the A card based on 131 (C) is also illustrated.

  The negative list 133 (C) distributed from the ID management server 104 to the corporate office system 116 and the electronic money system 117 is transferred to the station service equipment belonging to the corporate office system 116, the negative list 251 in the bus equipment, and the electronic money system 117. It is registered in the negative list 250 in the electronic money terminal to which it belongs. When station cards, bus devices, and electronic money terminals are used, it is determined whether the card is registered in the negative list 250 or 251 when the IC card is used by the user. Is determined to be unauthorized use and operation of the device is disabled. If the card is not registered, it is determined that the card is normally used and the device can be operated.

  FIG. 3 is a flowchart showing a processing procedure example 1 of the negative information management method in the present embodiment. Specifically, the flowchart shows the company card negative list creation processing 226 of the ID management server 103. In this case, the station service devices 111 to 112, the bus devices 113 to 114, and the electronic money terminals 115 and the like upload the usage history of the IC card used in the devices to the ID management server 103 on a daily basis. . On the other hand, the ID management server 103 registers the use history data of the IC card uploaded from the station service devices 111 to 112, etc., in the use history detail information table 127 (A) (step S301). FIG. 6 is a data setting example of the usage history detail information table 127 (A) in which usage history is registered for the A card.

  The data items of the usage history detail information table 127 (A) illustrated in FIG. 6 are as follows. The card ID 601 is a unique identification number that uniquely identifies an IC card used in a station service device or the like. The use date and time 602 is the date and time when the corresponding IC card is used. The use place 603 is a place where the corresponding IC card is used (use station, stop, store, electronic money terminal, etc.). Use contents 604 are use contents of the corresponding IC card (railway entry, bus ride, use of electronic money, charge of electronic money, etc.). The user office 605 indicates a company office or electronic money business operator that uses the corresponding IC card. The usage amount 606 is an SF amount when the corresponding IC card is used (SF is a usable currency value recorded on the IC card). The remaining amount 607 is the SF remaining amount after using the corresponding IC card. The processing result 608 is a result of checking whether the usage content is unauthorized usage. Since the value of the processing result 608 is set later, the data other than the processing result 608 in the usage history on the current day is registered in the usage history detailed information table 127 (A).

  For example, in the example of FIG. 6, the record of the usage history related to the card ID “AA0C7” is a record when the corresponding IC card is used in “2011/08/29 09:47”, and “A card company member store” "XX terminal" of "item purchase" of "770 yen" is made, and as a result, the usage history in which the remaining amount of the IC card is "2230 yen" is shown.

  In step S301, the ID management server 103 uses the latest data in the usage history detail information table 127 (A) after the registration processing of the usage history in the usage history detail information table 127 (A). The update process 126 (A) is performed. The ID management server 103 updates the value of the remaining amount 607 in the usage history detailed information table 127 (A) as the value of the remaining amount 704 of the corresponding card in the IC card information table 126 (A). FIG. 7 is a data setting example of the IC card information table 126 (A) regarding the A card.

  The data items of the IC card information table 126 (A) illustrated in FIG. 7 are as follows. The card ID 701 is a unique identification number for uniquely identifying the corresponding IC card. The name 702 is the name of the owner of the corresponding IC card. The date of birth 703 is the date of birth of the owner of the corresponding IC card. The remaining amount 704 is the latest SF remaining amount (up to the previous day) of the corresponding IC card. The periodical information 705 is the period / company office (departure / departure station, use route, etc.) of the commuter pass when the commuter pass is mounted on the corresponding IC card. The regular validity period 706 is the validity period of the commuter pass. The regular start date 707 is the start date of the commuter pass. In the data example of the card ID “AA0C7”, the value of the remaining amount 704 is updated to “2230 yen” with the data “2230 yen” of the remaining amount 607 in the usage history detailed information table 127 (A). Items other than the remaining amount 704 are registered / updated when the IC card is issued or when the corresponding item is updated.

  Next, the ID management server 103 determines whether there is an emergency negative that occurred on the day (step S302). The urgent negative is negative information that is generated at any time when the user of the IC card offers a loss to a corporate office or the like. This emergency negative information is registered in station equipment, bus devices, and electronic money terminals, and is used as information on unusable IC cards as with negatives.

  Here, the ID management server 103 checks whether there is data in the emergency negative information table 128 (A) (step S302), and if data exists (step S302: present), determines that an emergency negative has occurred on the day. . On the other hand, if there is no data in the emergency negative information table 128 (A) (step S302: none), the ID management server 103 determines that no emergency negative has occurred on the day, and the process proceeds to step S304. FIG. 8 is a data setting example of the emergency negative information table 128 (A) regarding the A card.

  The data items of the emergency negative information table 128 (A) illustrated in FIG. 8 are as follows. The card ID 801 is a unique identification number for uniquely identifying the corresponding IC card. The negative registration date and time 802 is the date and time when the corresponding IC card is registered / updated in the emergency negative information table 128 (A). The negative registration location 803 is a location where the corresponding IC card is registered in the emergency negative information table 128 (A). The negative reason 804 is a reason (loss etc.) that the corresponding IC card is negative. In the example shown in FIG. 8, the IC card with the card ID “AA0C7” is urgent due to “lost” (negative reason) at “Shinagawa” (negative registration location) on “2011/8/29” on the day. This shows that a negative has occurred and is registered in the emergency negative information table 128 (A).

  When there is an emergency negative that occurred on that day (step S302: present), the ID management server 103 registers information on the emergency negative in the negative information table 129 (A). Since the data registered in the negative information table 129 (A) is registered in the negative list after the next day, it becomes unnecessary as an emergency negative. Therefore, data is deleted from the emergency negative information table 128 (A) (step S303). FIG. 9 is a data setting example of the negative information table 129 (A) regarding the A card.

  The data items of the negative information table 129 (A) illustrated in FIG. 9 are as follows. The card ID 901 is a unique identification number for uniquely identifying the corresponding IC card. The negative registration date and time 902 is the date and time when the corresponding IC card is registered / updated in the negative information table 129 (A). The negative registration location 903 is a location where the corresponding IC card is registered in the negative information table 129 (A). The negative reason 904 is a reason (lost / illegal charge, etc.) that the corresponding IC card is negative. For the card ID, negative registration date and time, negative registration location, and negative reason, the corresponding data in the emergency negative information table 128 (A) is set as it is. The data example regarding the IC card with the card ID “AA0C7” in the example of FIG. 9 is data generated as an emergency negative on “2011/8/29” on the day, and the card is “Shinagawa” (negative registration location) and “ It means that it was due to "lost" (negative reason).

  Subsequently, the ID management server 103 uses the usage history of the day registered in the usage history detail information table 127 (A) to check whether unauthorized use has been performed on a card basis (step S304). In this case, the ID management server 103 determines that the usage history is illegal when the usage history data matches one of the preset illegal usage patterns described later.

  The following are examples of illegal usage patterns and methods for determining whether or not there is unauthorized usage. However, the pattern of unauthorized use is not limited to the following example.

The usage history detail information table 127 (A) is compared with the IC card information table 126 (A), and the card ID of the usage history detail information table 127 (A) is not registered in the IC card information table 126 (A). In the case of a card ID, it is determined that the IC card has been used illegally, assuming that the IC card has been used despite being unregistered. (Use unregistered card)
The data of the same card ID in the usage history detailed information table 127 (A) is compared, and the value of the remaining amount 607 in the usage history detailed information table 127 (A) is the same card in the previous usage history detailed information table 127 (A). If the value of the remaining amount 607 of the ID is an unreasonably large value with respect to the current usage amount, it is determined that the unauthorized use has been made, assuming that an unauthorized charge has been made. (Illegal charge). An example in the case of determining an unauthorized charge is shown below. The items of the remaining amount 607 and the usage amount 606 of the same card ID in the usage history detail information table 127 (A) are used. This time, the previous judgment is made according to the use date / time item. For example, the remaining amount 607 of this time (○ month ○ day) is “1000 yen”, but the remaining amount 607 “500 yen” of the previous time (○ month △ day) from the last time (○ month ○ day) of the current amount 606 “300 yen”. Since it is not equal to "200 yen" minus "," it can be determined that the IC card has been illegally charged.
-The data of the same card ID in the usage history detail information table 127 (A) is compared, and in the usage history detail information table 127 (A), the usage content is “card recovery” and indicates that the corresponding IC card has been recovered. Despite the existence of data, if new data for normal use such as “Railway Admission” is registered for the same card ID, it is assumed that the previously collected IC card has been used again. It is judged that it is (use of collection card).

  As a result of performing the fraud check, if it is determined that there is fraudulent use (step S305: yes), the ID management server 103 registers the information on the corresponding IC card as negative card information in the negative information table 129 (A) ( Step S306). If the usage history of the day registered in the usage history detail information table 127 (A) corresponds to an IC card already registered in the negative information table 129 (A), it is registered in the negative list. In this case, the ID management server 103 updates the value of the negative registration date / time 901 of the corresponding IC card in the negative information table 129 (A) to the date of the current day. In the example shown in FIG. 9, an IC card = negative card with a card ID “AA0F1” is determined to be illegal use due to “illegal charge” (negative reason) and registered in the negative information table 129 (A). If it is determined in step S305 that there is no unauthorized use (step S305: none), the ID management server 103 advances the process to step S307.

  Subsequently, the ID management server 103 totalizes the data of the usage history detailed information table 127 (A) for the IC card whose negative information table 129 (A) is registered / updated on the day, and the total result is obtained as the negative card usage total information. Register in the table 130 (A) (step S307). It is assumed that the data whose negative registration date and time in the negative information table 129 (A) is the current day is a registered / updated IC card. FIG. 10 is a data setting example of the negative card usage totaling information table 130 (A) for the entire A card.

  This negative card usage totaling information table 130 (A) is a database for managing information obtained by totaling the usage history of negative cards as IC cards registered in the negative information table 129 (A). The data items of the negative card use tabulation information table 130 (A) illustrated in FIG. 10 are as follows. The card ID 1001 is a unique identification number for uniquely identifying the corresponding IC card. The usage period 1002 is a period for which the usage history of the corresponding negative card is counted (the past month from the date and time when the negative occurred). The usage area 1003 is a usage area for each card issuing company (the card issuing companies other than the A card are also included since each company is affiliated). The use company station 1004 indicates a company station or an electronic money business operator in which the negative card is used. The use count 1005 is the number of times that the corresponding negative card has been used in the corresponding company office during the target use period. The value of the usage count 1005 is the value of the user office 605 of the usage history detail information table 127 (A) among the records associated with the card ID of the corresponding negative card in the usage history detail information table 127 (A). The number of cases corresponding to the value of the user office 1004 is totaled and set. The total usage amount 1006 is the total usage amount in the usage period of the target user company station. The value of the total usage amount 1006 is the value of the user office 605 in the usage history detail information table 127 (A) among the records associated with the card ID of the corresponding negative card in the usage history detail information table 127 (A). For those that match the value of the user company station 1004, the value of the usage amount 606 is aggregated and set. The data deletion flag 1007 is an item for managing whether or not the corresponding data is valid in the negative card usage aggregation information table 130 (A) (when the corresponding negative card becomes unnecessary in the negative list, “deletion” is set). is there. The above-mentioned total contents are shown below.

・ Calculate the total number of usages and usage amount in each area (card issuer unit) and each company office (transportation company and electronic money company belonging to the card issuer). The period to be counted is an arbitrarily set period, and is the value of the usage period 1002 in the negative card usage totaling information table 130 (A). In the present embodiment, as an example, it is assumed that the past month from the day of the table registration date.
If the negative card is collected from the usage history detailed information table 127 (A) on the current day, the negative card is not used in the future, so the data deletion flag 1007 of the negative card usage totaling information table 130 (A) is set. “Delete”.
The data of the negative card usage total information table 130 (A) creates a record for each user office. In addition, the data of a corporate office that does not have data in the usage history detail information table 127 (A) is not used at all in the corporate office and does not create a record.

  FIG. 10 shows an example of the negative card usage total information table 130 (A). In the example of FIG. 10, the data setting example regarding the negative card with the card ID “AA0C7” is the organization “CBC Railway” (user company) belonging to the “C card issuing company” (use area) in the past one month (use period). This shows that “50 times” was used (number of times of use), and “35,000 yen” (total amount used) was used. In addition, since it is at the time of registration in the negative card utilization totaling information table 130 (A), the data deletion flag is set to “valid”. Similarly, as a result of the usage history for the negative card with the card ID “AA0C7”, a record related to “CA bus” belonging to “C card issuing company”, a record of “C card company member store”, and “K card issue” There is a record of “KK Railway” belonging to “Company” and a record of “W Card Company Member Store” of “W Card Issuing Company”.

  On the other hand, the data setting example regarding the negative card with the card ID “AA0D9” shows a case where the negative card information becomes unnecessary. In this case, “delete” is set in the data deletion flag 1007. At this time, items other than the data deletion flag 1007 are not set. As shown in the data example of FIG. 6, the IC card with the card ID “AA0D9” has a usage card 604 value of “card collection”, and the corresponding IC card has been collected. As described above, when the user is unlikely to use the corresponding IC card in the future, the ID management server 103 does not need to hold the information on the corresponding IC card as the negative card information, and the negative management server 100 described later. Only the value of the data deletion flag 1007 is set as information for the data deletion process in FIG.

  Next, the ID management server 103 uses the negative card usage total information table 130 (A), the negative information table 129 (A), and the IC card information table 126 (A) created as described above to create negative candidates. A list 131 (A) is created (step S308).

  FIG. 11 shows a data setting example of the A card negative candidate list 131 (A). The data items of the negative candidate list 131 (A) illustrated in FIG. 11 are as follows. The card ID 1101 is a unique identification number for uniquely identifying the corresponding IC card. The usage period 1102 is a usage history counting target period (the past one month from the negative occurrence date). The usage area 1103 is a usage area for each card issuing company. The user company station 1104 indicates a company station or an electronic money business operator in which the corresponding IC card is used. The number of uses 1105 is the number of times the corresponding IC card has been used during the use period at the target user company station. The total usage amount 1106 is the total usage amount of the IC card used during the usage period at the target user company station. The negative registration date and time 1107 is the date and time when the corresponding IC card is registered / updated in the negative information table 129 (A) or the like. The negative registration location 1108 indicates a location where the corresponding IC card is registered in the negative information table 129 (A) or the like. The negative reason 1109 is the reason why the corresponding IC card is negative (lost / illegal charge, etc.). The remaining amount 1110 is an SF remaining amount after use of the corresponding IC card. The regular company office 1111 is a company office for commuter passes. The last day of the regular period 1112 is the last day of the valid period of the commuter pass. The data deletion flag 1113 is an item for managing whether the data is valid (“delete” when the corresponding negative card becomes unnecessary in the negative list).

  Each value of the usage period 1102 to the total usage amount 1106 and the data deletion flag 1113 sets the value of the corresponding item in the negative card usage total information table 130 (A). In addition, each value of the negative registration date 1107 to the negative reason 1109 sets the value of the corresponding item in the negative information table 129 (A). In addition, each value of the remaining amount 1110 and the regular company office 1111 is set to the value of the corresponding item in the IC card information table 126 (A). Further, the value of the periodic period last date 1112 is calculated and set by adding the value of the periodic validity period 706 in the IC card information table 126 (A) to the value of the periodic start date 707.

  Note that data in which the value of the data deletion flag 1007 is “deleted” in the negative card usage tabulation information table 130 (A) is created as deleted data in the negative candidate list 131 (A). The handling of this deleted data will be described later. For example, the data deletion flag 1007 is set to “deleted” for the data with the card ID “AA0D9” in the negative card utilization totaling information table 130 (A). In this case, the ID management server 103 sets the data deletion flag 1113 to “delete” in the negative candidate list 131 (A), and generates a record for the card ID “AA0D9” in which no data is set for the other items.

  The ID management server 103 that has created the negative candidate list 131 (A) transmits the created negative candidate list 131 (A) to the negative management server 100 (step S309), and ends this flow.

--- Processing procedure example 2 ---
Next, the process of the other company's negative list creation 213 in the negative management server 100 will be described with reference to the drawings. FIG. 4 is a flowchart showing a processing procedure example 2 of the negative information management method in the present embodiment. Specifically, the flowchart is a flowchart showing a third party negative list creation process of the negative management server 100. Here, a flow will be described in which the negative management server 100 creates a negative list for an ID management server of another card issuing company, that is, a negative list of another company, using the negative candidate list data received from the ID management server.

  In this case, the negative management server 100 receives negative candidate lists created respectively from the ID management servers 102 to 104. The negative candidate list is created by each card issuing company that has partnered with the IC card for mutual use, and the negative management server 100 receives the negative candidate list from the ID management servers of all card issuing companies (step S401). . In the case of the processing procedure example 1 described above, the negative management server 100 receives the negative candidate list 131 (A) regarding the A card from the ID management server 103.

  Next, the negative management server 100 registers the negative candidate list received above in the negative prediction information table 125 (step S402). In the negative candidate list, a record whose data deletion flag 1113 is “deleted” is deleted from the negative prediction information table 125. In the negative candidate list 131 (A) illustrated in FIG. 11, the data in the negative prediction information table 125 is deleted for the data with the card ID “AA0D9” because the data deletion flag 1113 is “deleted”.

  FIG. 12 shows a data setting example in which data of the negative candidate list 131 (A) of the A card issuing company is registered in the negative prediction information table 125. The negative prediction information table 125 is a database that manages information for calculating priorities in each company office of the negative card by collecting the negative candidate lists received from the ID management servers 102 to 104. The data items of the negative prediction information table 125 illustrated in FIG. 12 are as follows. The card ID 1201 is a unique identification number for uniquely identifying the corresponding IC card. The usage period 1202 is a period for which the usage history related to the corresponding IC card is counted (the past month from the date and time when the negative occurred). The use area 1203 is an area where the corresponding IC card is used, and is a use area for each card issuing company. The user office 1204 indicates a company office or an electronic money business operator in which the corresponding IC card is used. The negative registration date and time 1205 is the date and time when the corresponding IC card is registered / updated in the negative information table 129 or the like. The negative reason 1206 is the reason why the corresponding IC card is negative (lost / unauthorized charge, etc.). The regular company office 1207 is a company office for commuter passes. The regular period last day 1208 is the last day of the valid period of the commuter pass. The usage count 1209 is the usage count of the corresponding IC card in the usage period of the target usage company office. The total usage amount 1210 is the total usage amount of the corresponding IC card during the usage period of the target usage company office. The utilization rate (number of times) 1211 is a ratio of the number of times of use of the target company office. The usage rate (amount) 1212 is a ratio of the usage amount of the target company office. An expected value (number of times) 1213 is an expected value of the usage frequency in the target company station. An expected value (amount) 1214 is an expected value of the usage amount in the target company office. An expected value (frequency) 1215 is a frequency indicating an expected use value in the target company station. An expected value (number of times), an expected value (amount), and an expected value (frequency) are indices defined in the present embodiment.

  Here, in the negative prediction information table 125 of FIG. 12, the items of usage rate (number of times) 1211, usage rate (amount of money) 1212, expected value (number of times) 1213, expected value (amount of money) 1214, and expected value (frequency) 1215 are It is assumed that registration is performed in the subsequent processing. Further, each value of the usage period 1202 to the total usage amount 1210 is registered by the value of the corresponding item in the negative candidate list. The negative management server 100 registers each record registered in the negative candidate list in the negative prediction information table 125.

Subsequently, the negative management server 100 calculates the following items for the data registered in the negative prediction information table 125, and updates the negative prediction information table 125 (step S403). This processing is performed including data registered in the negative prediction information table 125 before that day.
• Expected value (number of times) = Usage rate (number of times) × Number of times of use × Reliability • Expected value (amount) = Usage rate (amount) × Usage amount × Reliability • Expected value (frequency) = Expected value (number of times) × Expectation Value (amount)
As shown above, the expected value (number of times) and the expected value (amount) are different from a general expected value calculation method in that the value of “reliability” is multiplied in the calculation formula. By introducing this “reliability” index, changes in the effectiveness of information on the corresponding negative card over time are taken into account. This “reliability” is the degree of progress from the negative registration date and time. When the period defined in the usage period 1202 has elapsed, a fixed value is assumed. In the present embodiment, the number of days elapsed after the negative registration date 1205 is considered in units of 10 days, and the reliability is set to “0.1” after a certain period. An example of setting reliability in this embodiment will be shown below.
・ From negative registration date to 10 days ... Reliability: 1
・ From 10 to 20 days after the negative registration date and time ... Reliability: 0.67
・ From negative registration date and time to 20-30 days ... Reliability: 0.33
・ After 30 days from negative registration date and time ... Reliability: 0.1
As mentioned above, the expected value (frequency) is the product of the expected value (number of times) and the expected value (amount), and the possibility that the negative card will be used in the future, using both the number of times used and the amount used. It is an index expressing the size. The usage rate (number of times) indicates the ratio of the number of times that the negative card is used in the relevant corporate office to the total number of usages across each corporate office of each card issuing company. Further, the utilization rate (amount) indicates the ratio of the amount of money used by the relevant corporate office to the corresponding negative card in the total usage amount across each corporate office of each card issuing company.

  FIG. 12 shows a data setting example of the negative prediction information table 125 regarding the A card. Here, a processing example when the negative management server 100 registers the usage rate (number of times) 1211, the usage rate (amount of money) 1212, the expected value (number of times) 1213, the expected value (amount of money) 1214, and the expected value (frequency) 1215. Show about. For example, among the records related to the negative card with the card ID “AA0C7”, a setting example of the record related to “CBC railway” belonging to “C card issuing company” is as follows. Of the records related to the negative card with the card ID “AA0C7”, the value of the usage count of each record related to “C card issuing company” is “50 times”, “5 times”, “45 times” in the example of FIG. Therefore, the total number of times the negative card with the card ID “AA0C7” has been used in the jurisdiction area of the “C card issuer” is “50 times” + “5 times” + “45 times” = “100 times” It becomes.

  Therefore, the negative management server 100 uses the record “CBC Railway” belonging to “C Card Issuing Company” among the records related to the negative card with the card ID “AA0C7”. "50 times", which is the number of uses of "", is divided by the total number of times "100 times" to calculate "(50/100) × 100 = 50%".

  Similarly, among the records relating to the negative card with the card ID “AA0C7”, the value of the usage amount of each record relating to the “C card issuing company” is “35000 yen”, “1000 yen”, Since it is “64,000 yen”, the total amount that the negative card with the card ID “AA0C7” was used in the jurisdiction area of the “C card issuing company”, “35,000 yen” + “1000 yen” + “64,000 yen” = “100000” Yen ”.

  Therefore, the negative management server 100 uses the record “CBC railway” belonging to “C card issuing company” among the records related to the negative card with the card ID “AA0C7”. Can be calculated as “(35000/100000) × 100 = 35%”.

  In this case, the negative management server 100 calculates the expected value (number of times) 1213 as the usage rate (number of times) “0.5 (50%)” × the number of times of use “50 times” × reliability “1” = “25”. To do. The reliability is assumed to be “1”, assuming that the calculation is within 10 days from the negative registration date. Further, the negative management server 100 calculates, as an expected value (amount) 1214, a usage rate (amount) “0.35 (35%)” × a usage amount “35,000 yen” × reliability “1” = “12250”. . Therefore, the negative management server 100 calculates the expected value (frequency) 1215 as expected value (number of times) “25” × expected value (amount) “12250” = “306250”.

  Similarly to the above, the negative management server 100 calculates / registers the utilization rate (number of times) 1211 to the expected value (frequency) 1215 for the records related to the office other than “CBC railway”.

Next, the negative management server 100 calculates a priority order for each negative card from all the data in the negative prediction information table 125 according to the following procedure, and creates a third party negative list. A third party negative list is created for each card issuer.
-In each area (card issuing company unit) and each company office (transportation company and electronic money company belonging to the card issuing company), the priority order is the descending order of the expected value (frequency) of negative cards. A corporate office with an expected value (frequency) of “0” indicates that the corresponding negative card was not used at all. In this case, since it is unlikely that the corresponding negative card is used in the relevant office, the priority in the corresponding area is set lower than other offices (the lowest priority).
・ The offices that correspond to regular offices shall have a higher priority (highest priority) than other offices in the corresponding area. However, if the last day of the regular period has passed, the judgment by the regular corporate office will not be made.

  FIG. 13 is a data setting example of the other company's negative list 132 (C) for the ID management server 104 of the C card issuing company created from the negative prediction information table 125 regarding the A card. The data items of the other company's negative list 132 (C) illustrated in FIG. 13 are as follows. The card ID 1301 is a unique identification number for uniquely identifying the corresponding IC card. An area 1302 is a target area (card issuing company unit). A corporate office 1303 indicates a corporate office belonging to the target area or an electronic money business operator. The priority order 1304 is the priority order of the current negative in the corporate office. The negative registration date / time 1305 is the date / time when the corresponding IC card is registered / updated in the negative information. The negative reason 1306 is the reason why the corresponding IC card is negative (lost / illegal charge, etc.). The other company negative list 132 (C) for the ID management server 104 of the C card issuing company shown in FIG. 13 is a record in which the negative management server 100 belongs to the C card issuing company (area) from the negative prediction information table 125 of FIG. It can be said that the file was created by extracting only the file.

  The negative management server 100 refers to the value of the expected value (frequency) 1215 from the record belonging to the C card issuing company (area), and determines the priority order 1304 in descending order of the value. Of course, the above-mentioned predetermined conditions (the offices with the expected value (frequency) “0” have the lowest priority and the offices corresponding to the regular offices have the highest priority) are the necessary judgment conditions. And For example, the value of priority (registration) 1304 of the negative card with card ID “AA0C7” in “CBC Railway” (corporate office) is the other value belonging to the C card issuing company (area) in the negative prediction information table 125. As a result of comparing the expected value (frequency) of each record, it was “201” (201 has the highest priority). Similarly, the negative card priority level 1304 of the card ID “AA0C7” in the “CA bus” is “1015”, and the negative card priority level 1304 of the card ID “AA0C7” in the “C card company member store” is “207”. As for the card ID “DA011”, the priority order in the “CBC railway” is “1”, the priority order in the “CA bus” is “54”, “C card issuing company member store” (electronic money of the C card issuing company). The priority in the system) is “15000”. The values of the negative registration date and time 1305 and the negative reason 1306 are set from the values of the corresponding items in the negative prediction information table 125.

  As described above, the negative management server 100 determines the priority order for each negative card across the offices for each card issuing company (area), and creates, for example, the other company's negative list 132 (C) for “C card issuing company”. (Step S404). The negative management server 100 transmits the created other company negative list 132 (C) to the ID management server 104 of the C card issuing company. The negative management server 100 transmits the other company's negative list for each ID management server thus created to the corresponding ID management server (step S405), and ends the process.

--- Processing procedure example 3 ---
Next, processing when the ID management server that has obtained the other company's negative list distributes the negative list to the devices under its control will be described with reference to the drawings. FIG. 5 is a flowchart showing a processing procedure example 3 of the negative information management method in the present embodiment, specifically, a flowchart showing a negative list distribution process of the ID management server.

  In this case, for example, the ID management server 104 receives the other company negative list 132 (C) from the negative management server 100 (step S501). The ID management server 104 also stores information about its own negative card registered in its negative information table 129 (C) (the one that has become a negative card among the C cards) and the other company negative list 132 (C) received in step S501. The negative list 133 (C) is created using the information of the negative card of the other company included in the card (the one of the A cards that has become a negative card and is expected to be used in the area of the C card issuing company) (step S502).

  In this case, the ID management server 104 assigns negative cards of other companies (A card issuing company) to each company office (railway, bus, store) in descending order of priority for each office in the other company negative list 132 (C). To adopt. The number of negative cards used by other companies shall be terminated at the preset maximum number. In addition to the case where each ID management server is a fixed value stored in advance, the upper limit number may be determined dynamically by the ID management server according to the free storage capacity for storing the negative list in its own storage unit. Good. For example, if the free storage capacity for storing the negative list in the storage unit is the reference value a or more and b or less, the prescribed number of adoptions A, and if the reference value b or more and c or less, the prescribed number of adoptions B or the reference value c or more. For example, it can be dynamically determined as the prescribed number C of employment.

  Since the negative card of the company (that is, the C card in the above case) is most likely to be the latest negative IC card, the negative registration date and time in the negative information table 129 (C) is new. Data priority is higher. The ID management server 104 thus employs negative cards of its own company and other companies, and continues the process until the total number of adoption reaches a predetermined total number of negative lists. A negativeist is created for each company office and electronic money member company. FIG. 14 is a data setting example of the negative lists 133 to 135 created for each company office belonging to the ID management server 104 and the electronic money system. The data items of the negative lists 133 to 135 illustrated in FIG. 14 are as follows. The card ID 1401 is a unique identification number for uniquely identifying the corresponding IC card. The negative registration date and time 1402 is the date and time when the corresponding IC card is registered and updated as a negative card. The negative reason 1403 is a reason (lost / illegal charge, etc.) that the corresponding IC card is negative.

  The negative list 133 is for the “CBC railway”, the negative list 134 is for the “CA bus”, and the negative list 135 is for the electronic money system of the “C card company member store”. In the data setting example “for CBC railway” shown in the negative list 133, it can be seen that the negative card of the other company (A card issuing company) with the card ID “AA0C7” is registered in the negative list. The negative registration date 1402 and the negative reason 403 set values of corresponding items in the other company's negative list 132 (C). The negative card with the card ID “DA011” having the priority “1” in the other company's negative list 132 (C) shown in FIG. 13 has the highest priority, and therefore the highest in the negative list 133 (in the example of FIG. It can be seen that it is registered in the left column). Further, data after the card ID “CC0F8”, which is a negative card of the C card issuing company, is also registered in the same negative list 133. Information on the negative cards of the company is registered in order from the newest negative registration date and time using the data of the negative information table 129 (C).

  Similarly, the ID management server 104 also creates a negative list 134 for “CA bus” and a negative list 135 for electronic money of “C card issuing company member store” (step S502). Then, the information is distributed to the target corporate office system 116 and the electronic money system 117 (both in FIG. 2) (step S503). In the corporate office system 116 and the electronic money system 117, the negative list received from the ID management server 104 is transferred and registered to the subordinate station equipment, bus equipment, and electronic money terminal. As described above, the contents of the negatives, that is, the negative cards and their priorities differ for each office, so the station service equipment under each office is more efficient with respect to negative cards that are likely to be used on its own equipment. It is possible to make necessary judgments and perform necessary control thereafter.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to this embodiment, it becomes possible to effectively prevent the illegal use of the IC card by accurately reflecting the information of the negative card to the negative list.

  At least the following will be clarified by the description of the present specification. That is, the negative information management system includes the management device, and the management device includes a communication unit that communicates with other devices, a storage unit that stores data, and the other company's negative list from the negative information management system. Receiving, reading the expected value of each negative card included in the other company's negative list for each institution, selecting a predetermined number of each negative card in descending order of the expected value for each institution, listing the list as a negative list and distributing to the specified equipment of the relevant institution It is good also as providing the calculating part which performs a process.

DESCRIPTION OF SYMBOLS 11 Memory | storage part 12 Program 13 Memory 14 Calculation part 15 Communication part 16-18 Network 100 Negative management server (negative information management system)
102-104 ID management server 105, 106 Corporate office system 107 Electronic money system 108, 109 Corporate office server 110 Electronic money server 111, 112 Station equipment 113, 114 Bus equipment 115 Electronic money terminal 125 Negative prediction information table 126 IC card information Table 127 Usage history details information table 128 Emergency negative information table 129 Negative information table 130 Negative card usage total information table 131 Negative candidate list file 132 Other company's negative list files 133-135 Negative list files

Claims (4)

It is a computer system that manages negative information about IC cards that can be used mutually between issuing companies.
A communication unit for communicating with other devices;
A storage unit for storing data;
Communicating with the management device of various organizations where the IC card is used, and with respect to the negative card that cannot be used by the issuing company to which the management device belongs, A process of acquiring data of a use history before the date and time when the use is disabled, and storing the data in a storage unit;
Based on the usage history data in the storage unit, the ratio of the usage status in each institution to the total usage status across each institution of the other issuing company in the corresponding negative card is calculated, and the corresponding negative card in each institution from the ratio A process of calculating an expected value expected to be used, and storing the expected value in a table in the storage unit in association with the corresponding negative card, the other issuing company and the corresponding organization;
From the table, each negative card for each other issuing company and its expected value and each data of the corresponding institution are read, and the read data is sent to the management device of the other issuing company as a third party negative list,
A negative information management system comprising: The management device is included in the negative information management system,
The management device
A communication unit for communicating with other devices;
A storage unit for storing data;
Receive the other company's negative list from the negative information management system, read the expected value of each negative card included in the other company's negative list for each institution, select a predetermined number of each negative card for each institution in descending order of the expected value, and list the list. A calculation unit that executes a process of distributing to a predetermined device of the corresponding organization as a negative list;
The negative information management system according to claim 1, comprising: A computer that includes a communication unit that communicates with other devices and a storage unit that stores data, and that manages negative information about IC cards that can be used mutually between issuing companies,
Communicating with the management device of various organizations where the IC card is used, and with respect to the negative card that cannot be used by the issuing company to which the management device belongs, A process of acquiring data of a use history before the date and time when the use is disabled, and storing the data in a storage unit;
Based on the usage history data in the storage unit, the ratio of the usage status in each institution to the total usage status across each institution of the other issuing company in the corresponding negative card is calculated, and the corresponding negative card in each institution from the ratio A process of calculating an expected value expected to be used, and storing the expected value in a table in the storage unit in association with the corresponding negative card, the other issuing company and the corresponding organization;
From the table, each negative card for each other issuing company and its expected value and each data of the corresponding institution are read, and the read data is transmitted to the management device of the other issuing company as a third party negative list,
A negative information management method comprising: A computer that includes a communication unit that communicates with other devices and a storage unit that stores data, and that manages negative information about IC cards that can be used mutually between issuing companies,
Communicating with the management device of various organizations where the IC card is used, and with respect to the negative card that cannot be used by the issuing company to which the management device belongs, A process of acquiring data of a use history before the date and time when the use is disabled, and storing the data in a storage unit;
Based on the usage history data in the storage unit, the ratio of the usage status in each institution to the total usage status across each institution of the other issuing company in the corresponding negative card is calculated, and the corresponding negative card in each institution from the ratio A process of calculating an expected value expected to be used, and storing the expected value in a table in the storage unit in association with the corresponding negative card, the other issuing company and the corresponding organization;
From the table, each negative card for each other issuing company and its expected value and each data of the corresponding institution are read, and the read data is transmitted to the management device of the other issuing company as a third party negative list,
A negative information management program characterized in that

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