JP2016114978A - Credit card and settlement system and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To further make it difficult to perform the unauthorized use of a credit card.SOLUTION: A settlement system comprises: a short-distance radio communication terminal which, when a credit card is waved over and then an authentication result is obtained showing that a right credit card is waved over on a right terminal, rewrites lock state information stored in a memory of an IC chip of the credit card with a lock set into the information with a lock released, through a non-contact short-range radio communication; and a settlement terminal which reads the lock state information stored in the memory of an IC chip of the credit card in a contact communication manner through an external connection terminal of the credit card, performs settlement if the read lock state information is one with a lock released, and then rewrites the lock state information with a lock released to the information with a lock set.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a credit card, a settlement system, and a method.

  Conventionally, in order to prevent unauthorized use due to loss or theft of credit cards, individual credit card users are allowed to set or release individual credit card locks via the Internet to lock individual credit cards. The lock status information indicating whether the lock is set or unlocked is managed in the database, the lock status information disables the credit card indicating that the lock is set, and the lock status information is locked There is known a card lock in which an issuer installs a server that enables use of a credit card indicating that is released (see, for example, Patent Document 1).

  However, in the conventional card lock, after the lock is released and the credit card is used, the lock is not set again unless a valid credit card user sets the lock again. Forgetting to set a lock again, or a legitimate credit card user trying to set a lock while the Internet is not available and the lock cannot be set Or has a disadvantage that the credit card may be illegally used in case of theft.

  In addition, the conventional card lock is a lock state indicating whether the lock of each credit card is set or unlocked via the Internet even if the lock is set on a lost or stolen credit card. There is also a disadvantage that a database for managing information is illegally accessed, the lock is released, and a lost or stolen credit card may be illegally used.

JP 2009-295006 A

  The present invention has been made in consideration of such circumstances, and it is an object of the present invention to make unauthorized use of a credit card even more difficult.

In order to solve the above problems in the present invention, first, in the invention of claim 1,
A card comprising an antenna for performing non-contact short-range wireless communication, an external connection terminal for performing contact communication, and an IC chip electrically connected to the antenna and the external connection terminal. The credit card is characterized in that lock state information indicating whether the lock is set or the lock is released is stored in the memory.

The invention according to claim 2
A system for making a payment with a credit card according to claim 1,
When the credit card is held over and an authentication result indicating that the correct credit card is held over the correct terminal is obtained, the lock status information stored in the memory of the IC chip of the credit card by non-contact short-range wireless communication A short-range wireless communication terminal that rewrites from indicating that the lock is set to indicating that the lock is released,
The lock status information stored in the memory of the IC card of the credit card is read by contact communication via the external connection terminal of the credit card, and the read lock status information indicates that the lock is released. And a payment terminal that rewrites the lock status information from one indicating that the lock is released to one indicating that the lock is set. It is a payment system.

The invention according to claim 3
A method of making a payment with a credit card according to claim 1,
When the authentication result that the credit card is held over the short-range wireless communication terminal and the correct credit card is held over the correct terminal is obtained, the short-range wireless communication terminal is in contactless short-range wireless communication, Rewriting the lock state information stored in the memory of the credit card IC chip from indicating that the lock is set to indicating that the lock is released;
The payment terminal reads the lock status information stored in the memory of the IC chip of the credit card through contact communication via the external connection terminal of the credit card, and the read lock status information is unlocked. A payment is made, and the lock state information includes a step of rewriting the lock state information from the one indicating that the lock is released to the one indicating that the lock is set. This is a characteristic settlement method.

  In the present invention, when the authentication result is obtained that the correct credit card is held over the correct terminal over the short-range wireless communication terminal, the lock is released and the payment is possible at the payment terminal. The lock can be set only at the moment when the credit card is used by a legitimate user of the credit card, and the lock is securely set at times other than this moment.

  Further, the present invention provides a database for managing lock status information indicating whether each credit card is locked or unlocked by setting or releasing the lock of each credit card via the Internet. Is therefore unnecessary, and this database is illegally accessed, unlocked, and lost or stolen credit cards are never used illegally.

  Therefore, the present invention has an effect that unauthorized use of a credit card can be made more difficult.

The figure which shows the structure of 1st Embodiment of the payment system of this invention. The figure which shows the structure of 2nd Embodiment of the payment system of this invention. The flowchart which shows the flow of the payment made with the payment system of this invention.

  Hereinafter, embodiments of the present invention will be described.

  First, the credit card of the present invention will be described.

  A credit card according to the present invention is a dual comprising an antenna for performing contactless short-range wireless communication, an external connection terminal for performing contact communication, and an IC chip electrically connected to the antenna and the external connection terminal. A card called an interface card or a combination card, in which lock state information indicating whether the lock is set or the lock is released is stored in the memory of the IC chip. .

  For example, the lock status information is a flag that takes a value of 0 or 1. If the flag takes a value of 0, it indicates that the lock is set. If the flag takes a value of 1, the lock is released. It is good also as a thing which shows being done.

  The credit card of the present invention also stores information for authenticating the credit card such as a credit card number and a password (hereinafter also referred to as credit card authentication information) in the memory of the IC chip provided in the credit card. Yes.

<First Embodiment>
Next, a first embodiment of the settlement system of the present invention will be described. Hereinafter, the credit card means the credit card of the present invention.

  As shown in FIG. 1, the settlement system of the first embodiment includes a short-range wireless communication terminal 1, a settlement terminal 2, and an issuer server 10. The issuer server 10 includes an authentication information database 11, an authentication server, and the authentication server. The authentication server 12 is connected to the short-range wireless communication terminal 1 and the payment terminal 2 via the network 3.

  The issuer server 10 is a server operated by a credit card issuing company called an issuer. In addition to the authentication information database 11 and the authentication server 12, the issuer server 10 includes an authorization server for credit inquiry and a settlement server for settlement. Also good.

  The near field communication terminal 1 is a terminal possessed by a user of a credit card, and includes a near field communication device, which performs non-contact near field communication with a credit card, A terminal used for releasing the lock set in (1), for example, a mobile phone.

  The short-range wireless communication terminal 1 stores information for authenticating the short-range wireless communication terminal 1 such as an ID and a password (hereinafter, also referred to as authentication information of the short-range wireless communication terminal 1). When a credit card is placed in the area, the credit card authentication information is read from the memory of the IC card of the credit card, and the read credit card authentication information and the near field communication terminal 1 stores The authentication information of the distance wireless communication terminal 1 is transmitted to the authentication server 12 as an authentication request of the credit card and the short distance wireless communication terminal 1, and the correct credit card is transmitted from the authentication server 12 to the correct short distance wireless communication terminal. If the authentication result that the card is held is received, the lock state information stored in the IC chip of this credit card is From an indication that the click is set it is rewritten to indicate that a lock has been released.

Alternatively, the short-range wireless communication terminal 1 does not store the authentication information of the short-range wireless communication terminal 1, and when a credit card is held over the short-range communication area, the credit card IC chip memory is used. The authentication information of the credit card and the authentication information of the short-range wireless communication terminal 1 are urged to be input and the authentication information of the read credit card and the input authentication information of the short-range wireless communication terminal 1 are 12, as an authentication request for the credit card and the short-range wireless communication terminal 1, and when receiving the authentication result that the correct credit card is held over the correct short-range wireless communication terminal from the authentication server 12,
The lock state information stored in the IC chip of the credit card may be rewritten from one indicating that the lock is set to one indicating that the lock is released.

  When the credit card is inserted, the settlement terminal 2 is connected to the external connection terminal of the credit card, and information stored in the memory of the IC chip of the credit card through the external connection terminal by contact communication. And a card reader / writer that reads information into this memory, and with this credit card, a user of the credit card can use the terminal to settle the price of the product to be purchased. This is a POS (Point Of Sale) terminal of a member store.

  The payment terminal 2 receives the lock state information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer included in the payment terminal 2. If the read and read lock status information indicates that the lock is set, the credit card settlement is rejected.

  Further, the payment terminal 2 uses a credit card stored in the memory of the IC chip of the credit card by contact communication via an external connection terminal of the credit card inserted in the card reader / writer included in the payment terminal 2. The authentication information of the credit card thus read is transmitted to the authentication server 12 as the credit card authentication request.

  When the payment terminal 2 receives an authentication result from the authentication server 12 that the credit card inserted in the card reader / writer included in the payment terminal 2 is wrong, the payment terminal 2 rejects the payment with the credit card.

  The payment terminal 2 indicates that the lock state information read from the memory of the IC chip of the credit card inserted in the card reader / writer included in the payment terminal 5 indicates that the lock is released, and the authentication server 12, when an authentication result indicating that the credit card inserted in the card reader / writer included in the payment terminal 2 is correct is received, the payment processing is performed, and the credit card is inserted into the card reader / writer included in the payment terminal 2. The lock status information stored in the memory of the credit card IC chip indicates that the lock is released by contact communication via the external connection terminal of the credit card that is being locked. Rewrite to indicate that

  The authentication information database 11 is a database that stores and manages authentication information of individual credit cards in combination with authentication information of short-range wireless communication terminals possessed by users of individual credit cards.

  The authentication server 12 is a server that authenticates a credit card and a short-range wireless communication terminal using authentication information stored in an authentication information database.

  When the authentication server 12 receives the authentication information of the credit card and the authentication information of the short-range wireless communication terminal 1 from the short-range wireless communication terminal 1 as an authentication request for the credit card and the short-range wireless communication terminal 1. When a pair of the credit card authentication information and the authentication information of the short-range wireless communication terminal 1 is stored in the authentication information database 11, the short-range wireless communication terminal 1 has a correct short-range wireless communication terminal. The authentication result that the correct credit card is held over is transmitted. On the other hand, if it is not stored, the authentication result that the correct credit card is not held over the correct short-range wireless communication terminal is transmitted.

  Further, when the authentication server 12 receives the credit card authentication information as the credit card authentication request from the settlement terminal 2, the authentication server 12 confirms whether or not the received credit card authentication information is stored in the authentication information database 11. If it is stored, an authentication result indicating that the credit card inserted in the card reader / writer included in the payment terminal 2 is correct is transmitted to the payment terminal 2, and if not stored, An authentication result indicating that the credit card inserted in the card reader / writer included in the payment terminal 2 is wrong is transmitted to the payment terminal 2.

  Hereinafter, an example of the flow of payment performed in the payment system according to the first embodiment of the present invention will be described with reference to the flowchart of FIG.

S (STEP) 1;
The user of the credit card holds the credit card over the short-range wireless communication terminal possessed by the user.

S (STEP) 2;
The short-range wireless communication terminal reads the credit card authentication information from the IC chip memory of the credit card held over.

S (STEP) 3;
The short-range wireless communication terminal includes the credit card and the short-range wireless communication terminal which store the authentication information of the credit card held over and the authentication information of the short-range wireless communication terminal stored in the short-range wireless communication terminal. Is sent to the authentication server as an authentication request, and from the authentication server,
If the authentication result that the correct credit card is not held over the correct short-range wireless communication terminal is received, proceed to STEP4,
On the other hand, when the authentication result that the correct credit card is held over the correct short-range wireless communication terminal is received, the process proceeds to STEP5.

Alternatively, the short-range wireless communication terminal 1 prompts the input of the authentication information of the short-range wireless communication terminal, and the authentication information of the held credit card and the input authentication information of the short-range wireless communication terminal are used as the credit information. As an authentication request for the card and short-range wireless communication terminal, it is sent to the authentication server.
If the authentication result that the correct credit card is not held over the correct short-range wireless communication terminal is received, proceed to STEP4,
On the other hand, when the authentication result that the correct credit card is held over the correct short-range wireless communication terminal is received, the process may proceed to STEP5.

S (STEP) 4;
The short-range wireless communication terminal displays that payment cannot be made with the credit card held up, and proceeds to END.

S (STEP) 5;
The short-range wireless communication terminal rewrites the lock state information stored in the IC chip of the credit card held over from one indicating that the lock is set to one indicating that the lock is released.

S (STEP) 6;
As for the credit card, as a result of rewriting the lock state information stored in the IC chip of this credit card from the one indicating that the lock is set to the one indicating that the lock is released, this credit card It becomes possible to settle with a card.

S (STEP) 7;
When the credit card user hands over the credit card to the clerk of the member store in order to settle the price of the product purchased at the member store, the clerk of the member store sends the card reader / writer of the payment terminal to the card reader / writer. Insert this credit card.

S (STEP) 8;
The payment terminal reads the lock state information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal, Whether the read lock state information indicates that the lock is set or whether the lock is released is confirmed.

S (STEP) 9;
The payment terminal receives the credit card authentication information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal. The read credit card authentication information is sent to the authentication server as the credit card authentication request,
The lock status information read from the memory of the credit card IC chip inserted in the card reader / writer provided in the payment terminal indicates that the lock has been set, or the payment terminal If the authentication result that the credit card inserted in the card reader / writer is wrong is received, proceed to STEP 10;
On the other hand, the lock state information read from the memory of the IC card of the credit card inserted in the card reader / writer provided in the payment terminal indicates that the lock is released, and the payment is issued from the authentication server. If the authentication result that the credit card inserted in the card reader / writer provided in the terminal is correct is received, the process proceeds to STEP11.

S (STEP) 10;
The payment terminal displays that the payment cannot be made with the credit card inserted in the card reader / writer included in the payment terminal, and proceeds to END.

S (STEP) 11;
The payment terminal uses a credit card inserted in a card reader / writer included in the payment terminal, and performs a payment process for paying for the product purchased by the user of the credit card.

S (STEP) 12;
The payment terminal locks the lock state information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal. Is rewritten from one indicating that is released to one indicating that the lock is set.

S (STEP) 13;
The clerk of the member store returns the credit card inserted in the card reader / writer provided in the payment terminal to the user of this credit card.

<Second Embodiment>
Next, a second embodiment of the settlement system of the present invention will be described. Hereinafter, the credit card means the credit card of the present invention.

  As shown in FIG. 2, the card payment system according to the second embodiment includes a short-range wireless communication terminal 4, a payment terminal 5, and an issuer server 20. The issuer server 20 includes an authentication information database 21, an authentication information database 21, and an authentication information database 21. The authentication server 22 is connected to the payment terminal 5 via the network 6.

  The issuer server 20 is a server operated by a credit card issuing company called an issuer. In addition to the authentication information database 21 and the authentication server 22, the issuer server 20 includes an authorization server for credit inquiry and a payment server for payment. Also good.

  The near field communication terminal 4 is a terminal possessed by the user of the credit card, and includes a near field communication device, and performs near field communication with the credit card, A terminal used for releasing a lock set in a credit card, for example, a mobile phone.

  The short-range wireless communication terminal 4 stores the credit card authentication information stored in the memory of the IC chip of the credit card used by the holder of the short-range wireless communication terminal 4 and When a credit card is placed over the communication area, the credit card authentication information is read from the memory of the IC card of the credit card, and the read credit card authentication information and the short-range wireless communication terminal 4 store the information. If the authentication information of the credit card is verified and the authentication information of the credit card stored in the short-range wireless communication terminal 4 matches, the correct short-range wireless communication is performed. If a correct credit card is held over the terminal, it will be stored in the IC chip of this credit card. The lock status information are rewritten from an indication that the lock has been set, to the one indicating that the lock is released.

  Alternatively, the short-range wireless communication terminal 4 does not store the credit card authentication information stored in the memory of the credit card IC chip used by the holder of the short-range wireless communication terminal 4, When a credit card is placed in the communication area of the credit card, the credit card authentication information is read from the memory of the IC card of the credit card, and the input of the credit card authentication information is prompted. If the entered credit card authentication information is verified and the read credit card authentication information matches the input credit card authentication information, the correct credit card is connected to the correct short-range wireless communication terminal. Is stored in the IC chip of this credit card. That the lock status information, from an indication that the lock has been set, may be rewritten to indicate that a lock has been released.

  When the credit card is inserted, the settlement terminal 5 is connected to the external connection terminal of the credit card, and reads information stored in the memory of the IC chip of the credit card by contact communication or reads information in the memory. A terminal that is used by the credit card user to settle the price of the product to be purchased, for example, a POS (Point Of Sale) of a member store. ) A terminal.

  The payment terminal 5 receives the lock status information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer included in the payment terminal 5. If the read and read lock status information indicates that the lock is set, the credit card settlement is rejected.

  Moreover, the payment terminal 5 is a credit card stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal 5. And the read credit card authentication information is transmitted to the authentication server 22 as a credit card authentication request.

  When the payment terminal 5 receives an authentication result from the authentication server 22 that the credit card inserted in the card reader / writer included in the payment terminal 5 is wrong, the payment terminal 5 rejects the payment with the credit card.

  The payment terminal 5 indicates that the lock state information read from the memory of the IC chip of the credit card inserted in the card reader / writer included in the payment terminal 5 indicates that the lock is released, and the authentication server When an authentication result indicating that the credit card inserted in the card reader / writer included in the payment terminal 5 is correct is received from 32, a payment process is performed and the credit card inserted in the card reader / writer included in the payment terminal 5 is inserted. The lock status information stored in the memory of the credit card IC chip indicates that the lock is released by contact communication via the external connection terminal of the credit card that is being locked. Rewrite to indicate that

  The authentication information database 21 is a database that stores and manages authentication information of individual credit cards.

  When the authentication server 22 receives the credit card authentication information from the payment terminal 5 as the credit card authentication request, the authentication server 22 confirms whether the received credit card authentication information is stored in the authentication information database 21 and stores it. If the credit card inserted into the card reader / writer included in the payment terminal 5 is correct, the authentication result is transmitted to the payment terminal 5. An authentication result indicating that the credit card inserted in the card reader / writer included in the settlement terminal 5 is wrong is transmitted to the terminal 5.

  Hereinafter, an example of the flow of payment performed in the payment system according to the second embodiment of the present invention will be described with reference to the flowchart of FIG.

S (STEP) 1;
The user of the credit card holds the credit card over the short-range wireless communication terminal possessed by the user.

S (STEP) 2;
The short-range wireless communication terminal reads the credit card authentication information from the IC chip memory of the credit card held over.

S (STEP) 3;
The short-range wireless communication terminal performs authentication for comparing the read credit card authentication information with the credit card authentication information stored in the short-range wireless communication terminal,
If the read credit card authentication information and the credit card authentication information stored in the short-range wireless communication terminal do not match, it is determined in STEP 4 that the correct credit card is not held over the correct short-range wireless communication terminal. Proceed,
On the other hand, if the read credit card authentication information matches the credit card authentication information stored in the short-range wireless communication terminal 4, it is assumed that the correct credit card is held over the correct short-range wireless communication terminal. Proceed to STEP5.

Alternatively, the short-range wireless communication terminal prompts for input of credit card authentication information, performs authentication for checking the read credit card authentication information and the input credit card authentication information,
If the read credit card authentication information and the input credit card authentication information do not match, it is determined that the correct credit card is not held over the correct short-range wireless communication terminal, and the process proceeds to STEP 4.
On the other hand, if the read credit card authentication information matches the input credit card authentication information, the process may proceed to STEP 5 assuming that the correct credit card is held over the correct short-range wireless communication terminal.

S (STEP) 4;
The short-range wireless communication terminal displays that payment cannot be made with the credit card held up, and proceeds to END.

S (STEP) 5;
The short-range wireless communication terminal rewrites the lock state information stored in the IC chip of the credit card held over from one indicating that the lock is set to one indicating that the lock is released.

S (STEP) 6;
As for the credit card, as a result of rewriting the lock state information stored in the IC chip of this credit card from the one indicating that the lock is set to the one indicating that the lock is released, this credit card It becomes possible to settle with a card.

S (STEP) 7;
When the credit card user hands over the credit card to the clerk of the member store in order to settle the price of the product purchased at the member store, the clerk of the member store sends the card reader / writer of the payment terminal to the card reader / writer. Insert this credit card.

S (STEP) 8;
The payment terminal reads the lock state information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal 2. Whether the read lock status information indicates that the lock is set or whether the lock is released is confirmed.

S (STEP) 9;
The payment terminal receives the credit card authentication information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal. The read credit card authentication information is sent to the authentication server as the credit card authentication request,
The lock status information read from the memory of the credit card IC chip inserted in the card reader / writer provided in the payment terminal indicates that the lock has been set, or the payment terminal If the authentication result that the credit card inserted in the card reader / writer is wrong is received, proceed to STEP 10;
On the other hand, the lock state information read from the memory of the IC card of the credit card inserted in the card reader / writer provided in the payment terminal indicates that the lock is released, and the payment is issued from the authentication server. If the authentication result that the credit card inserted in the card reader / writer provided in the terminal is correct is received, the process proceeds to STEP11.

S (STEP) 10;
The payment terminal displays that the payment cannot be made with the credit card inserted in the card reader / writer included in the payment terminal, and proceeds to END.

S (STEP) 11;
The payment terminal uses a credit card inserted in a card reader / writer included in the payment terminal, and performs a payment process for paying for the product purchased by the user of the credit card.

S (STEP) 12;
The payment terminal locks the lock state information stored in the memory of the IC chip of the credit card by contact communication via the external connection terminal of the credit card inserted in the card reader / writer provided in the payment terminal. Is rewritten from one indicating that is released to one indicating that the lock is set.

S (STEP) 13;
The clerk of the member store returns the credit card inserted in the card reader / writer provided in the payment terminal to the user of this credit card.

DESCRIPTION OF SYMBOLS 1 ... Near field communication terminal 2 ... Payment terminal 3 ... Network 4 ... Near field communication terminal 5 ... Payment terminal 6 ... Network 10 ... Issuer server 11 ... Authentication information database 12 ... Authentication server 20 ... Issuer server 21 ... Authentication information database 22 ... Authentication server

Claims (3)

  A card comprising an antenna for performing non-contact short-range wireless communication, an external connection terminal for performing contact communication, and an IC chip electrically connected to the antenna and the external connection terminal. A credit card, wherein lock status information indicating whether lock is set or unlock is stored in a memory. A system for making a payment with a credit card according to claim 1,
When the credit card is held over and an authentication result indicating that the correct credit card is held over the correct terminal is obtained, the lock status information stored in the memory of the IC chip of the credit card by non-contact short-range wireless communication A short-range wireless communication terminal that rewrites from indicating that the lock is set to indicating that the lock is released,
The lock status information stored in the memory of the IC card of the credit card is read by contact communication via the external connection terminal of the credit card, and the read lock status information indicates that the lock is released. And a payment terminal that rewrites the lock status information from one indicating that the lock is released to one indicating that the lock is set. Payment system. A method of making a payment with a credit card according to claim 1,
When the authentication result that the credit card is held over the short-range wireless communication terminal and the correct credit card is held over the correct terminal is obtained, the short-range wireless communication terminal is in contactless short-range wireless communication, Rewriting the lock state information stored in the memory of the credit card IC chip from indicating that the lock is set to indicating that the lock is released;
The payment terminal reads the lock status information stored in the memory of the IC chip of the credit card through contact communication via the external connection terminal of the credit card, and the read lock status information is unlocked. A payment is made, and the lock state information includes a step of rewriting the lock state information from the one indicating that the lock is released to the one indicating that the lock is set. A characteristic payment method.

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