JP2018206280A - Credit card, information processing method, and program - Google Patents

Abstract

To provide a credit card, an information processing method, and a program, which can easily enhance security against the theft, loss or the like of a credit card.SOLUTION: A credit card 1 includes: a credit card information storage part 111 for storing credit card information being information about a credit card; a settlement processing part 131 for performing processing for settlement using the credit card information; a spot passage detection part 132 for detecting that one or more spots registered in advance are passed through; a validation part 133 for validating the settlement processing part in the case that the spot passage detection part detects that the one or more spot registered in advance are passed through. The credit card is prevented from being illegally used because the credit card can be used in the case of detecting the passage of the one or more spots registered in advance.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit card or the like that can ensure security against theft or loss.

  Conventionally, an IC card that stores personal information and an electronic wallet that is carried with the IC card are provided. The IC card has a time limit device that is activated when the user moves away from the electronic wallet, and a time limit that is limited by the time limit device. In addition, there is an IC card unauthorized use prevention device that can secure security without complicated operations by providing a control unit that invalidates the IC card (see, for example, Patent Document 1).

JP 2001-175824 A

  However, in the above prior art, the user must always carry an IC card and an electronic wallet, and security cannot be easily increased.

  The credit card of the first aspect of the invention is pre-registered with a credit card information storage unit that stores credit card information that is information related to the credit card, a payment processing unit that performs processing for payment using the credit card information A spot passage detection unit that detects passage of one or more spots, and an enabling unit that activates a settlement processing unit when the spot passage detection unit detects passage of the one or more spots. Credit card provided.

  With this configuration, since it can be used when the passage of one or more spots registered in advance is detected, unauthorized use of a credit card can be suppressed.

  In addition, the credit card of the second aspect of the present invention, in contrast to the first aspect, after the activation unit validates the settlement processing unit, the payment processing unit is It is a credit card further provided with the invalidation part to invalidate.

  With this configuration, a credit card that can be used by detecting the passage of one or more spots becomes unusable if it does not detect the passage of one or more spots again by the elapse of a predetermined period. Therefore, security can be further increased.

  The credit card of the third invention accepts registration of one or more spots with respect to the first or second invention, and acquires registration information having one or more spot identifiers for identifying one or more spots. The registration reception unit is further provided, and the spot passage detection unit is a credit card that detects that the registration information acquired by the registration reception unit has passed one or more spots.

  With this configuration, the user can further enhance security by customizing a combination of one or more spots.

  The credit card according to the fourth aspect of the present invention further includes a period reception unit that receives period information indicating a predetermined period with respect to the third invention, and the invalidation unit is received by the period reception unit. This is a credit card that invalidates the settlement processing unit when the condition regarding the period indicated by the period information is satisfied.

  With such a configuration, the user can customize the period until it becomes unusable, so that security and convenience can be balanced.

  The credit card according to the fifth aspect of the present invention provides a spot identifier for transmitting a spot identifier for identifying a spot to a server device when passage of a spot is detected with respect to any one of the first to fourth aspects of the invention. The validation unit further comprises a sending unit and a availability information receiving unit that receives availability information indicating whether or not the credit card can be used from the server device in response to transmission of the spot identifier by the spot identifier transmitting unit. This is a credit card that activates the settlement processing unit when receiving information indicating availability is received by the receiving unit.

  With this configuration, the server device manages registration information for one or more spots for each one or more credit cards, and determines whether or not the credit card can be used, thereby preventing unauthorized use of the credit card.

  The credit card of the sixth aspect of the invention stores registration information having one or more spot identifiers for identifying one or more pre-registered spots for any one of the first to fourth aspects. A registration information storage unit; and a determination unit that determines whether or not passage of one or more spots identified by the one or more spot identifiers included in the registration information is detected. The credit card activates the settlement processing unit when the determination unit determines that the passage of one or more spots identified by the one or more spot identifiers is detected.

  With this configuration, the credit card itself manages the registration information of one or more spots and determines whether or not the credit card can be used, so that security can be easily improved.

  According to the present invention, security against theft or loss of a credit card can be easily increased.

Block diagram of the information system in the first embodiment Flow chart explaining operation of the credit card Flowchart explaining the spot passage detection transmission process Flow chart for explaining the operation of the server device Data structure of registration / period information Data structure diagram of the management information Block diagram of an information system according to the second embodiment Flow chart explaining operation of the credit card Flow chart explaining the spot detection process The figure which shows an example of an internal structure of the computer system

  Hereinafter, two embodiments such as a credit card will be described with reference to the drawings. In addition, since the component which attached | subjected the same code | symbol in each embodiment performs the same operation | movement, reexplanation may be abbreviate | omitted.

  In each embodiment, a credit card that can be used when the passage of one or more pre-registered spots is detected will be described. In addition, a credit card having conditions regarding a usable period will be described. Further, a credit card capable of customizing one or more spots will be described. Further, a credit card capable of customizing conditions relating to a usable period will be described.

  The main difference between the two embodiments is that, in the first embodiment, information on one or more spots is managed by the server device 2 and it is the server device that makes the credit card usable. In the form 2, the information of one or more spots is managed by a credit card, and the credit card can be used by itself.

(Embodiment 1)
FIG. 1 is a block diagram of an information system 100 in the present embodiment. The information system 100 includes one or more credit cards 1, a server device 2, and one or more store terminals 3.

  The credit card 1 may be, for example, an IC card having an IC chip, or may be a virtual credit card realized by installing a predetermined program in a mobile terminal, and its type and implementation means are not limited. In addition, although a portable terminal is a smart phone, a tablet terminal, etc., for example, the kind is not ask | required. Moreover, the credit card 1 should just have the payment process part 131, for example, it may consider that a so-called debit card, a prepaid card, a cash card, a point card, etc. are included, and the kind is not ask | required.

  The server device 2 is a server of a company that operates the information system 100, for example. However, the server apparatus 2 may be a cloud server, for example, and its location and type are not limited.

  The store terminal 3 is a PC installed in a store, for example. However, the store terminal 3 may be realized by a portable terminal carried by a store clerk, and its type and means of implementation are not limited.

  The server device 2 is communicably connected to one or more store terminals 3 via a network such as a LAN or the Internet, a wireless or wired communication line, and the like.

  One or more store terminals 3 can communicate with one or more credit cards 1 by non-contact communication such as NFC or Felica (registered trademark), for example. However, the communication between the store terminal 3 and the credit card 1 may be, for example, short-range wireless communication such as Bluetooth (registered trademark) or Zigbee (registered trademark), which has a longer communication distance than the contactless communication. Wireless LAN communication with a long communication distance may be used. Hereinafter, such wireless communication with a limited communication distance may be collectively referred to as short-range wireless communication.

  However, the communication between the store terminal 3 and the credit card 1 may be wide-area communication via the Internet or communication line with no restriction on the communication distance, or contact-type communication via a card reader or the like, Any method is acceptable.

  The credit card 1 can communicate with a short-range wireless communication device provided in each of the one or more spots, for example, by a user carrying the credit card 1 passing through one or more spots or the vicinity thereof. The short-range wireless communication device is, for example, an RFID, a beacon, a wireless LAN access point, or the like, but the type is not limited.

  A spot may be a specific place where a person passes. Spots are, for example, station ticket gates, subway exits, intersections, stairs, entrances and exits of office buildings, commercial facilities, etc., but may be any place where people pass.

  For the communication between the credit card 1 and each of the one or more short-range wireless communication devices, for example, short-range wireless communication is preferable, but contactless communication or wireless LAN communication may be used, and the communication distance is limited. Any method can be used as long as it is regional communication.

  The near field communication device is a device that performs near field communication with the credit card 1. For example, the short-range wireless communication device preferably has a transmission function and a reception function, but has only a transmission function and may not have a reception function. Alternatively, the short-range wireless communication device may have a broadcast function that is a function of transmission to an unspecified number of people, for example. The short-range wireless communication device is preferably a FRID tag, for example, but may be a beacon or a wireless LAN access point, and the type thereof is not limited. When the short-range wireless communication device is an access point, the credit card 1 can also perform network communication with the server device 2 and the store terminal 3 via the short-range wireless communication device.

  The signal transmitted from each of the one or more near field communication devices has a spot identifier. The spot identifier is information for identifying a spot. The spot identifier may be, for example, a MAC address, an ID, or any information that can identify a spot.

  However, the above is merely an example, and for example, the information system 100 may not include the server device 2. In addition, the information processing method of the present invention can be realized by, for example, a mobile terminal such as a smartphone or a stand-alone IC card. In general, a computer and a recording medium accessible by the computer may be used, and the hardware configuration for realizing the present invention is not limited.

  The credit card 1 includes a storage unit 11, a reception unit 12, a processing unit 13, a transmission unit 14, and a reception unit 15. The storage unit 11 includes a credit card information storage unit 111. The reception unit 12 includes a registration reception unit 121 and a period reception unit 122. The processing unit 13 includes a settlement processing unit 131, a spot passage detection unit 132, an enabling unit 133, and an invalidating unit 134. The transmission unit 14 includes a spot identifier transmission unit 141, a registration information transmission unit 142, and a period information transmission unit 143. The receiving unit 15 includes an availability information receiving unit 151.

  The server device 2 includes a server storage unit 21, a server reception unit 22, a server processing unit 23, and a server transmission unit 24. The server storage unit 21 includes a server registration information storage unit 211 and a server period information storage unit 212. The server reception unit 22 includes a spot identifier reception unit 221, a registration information reception unit 222, and a period information reception unit 223. The server processing unit 23 includes a server determination unit 231. The server transmission unit 24 includes an availability information transmission unit 241.

  The store terminal 3 includes a store storage unit 31, a store reception unit 32, a store transmission unit 33, a store reception unit 34, and a store output unit 35.

  The storage unit 11 constituting the credit card 1 can store various types of information. The various information includes, for example, credit card information, a card identifier described later, and the like.

  The credit card information storage unit 111 stores one or more credit card information. Credit card information is information about a credit card. Credit card information may have information, such as a card number, an expiration date, and a name, for example.

  The receiving unit 12 receives various types of information. The various information includes, for example, registration information described later, period information described later, and the like. Various types of information may include instructions such as payment instructions, for example. The settlement instruction is an instruction to perform settlement using the credit card 1.

  The accepting unit 12 usually accepts information such as registration information via an input device such as a keyboard or a touch panel. For example, the accepting unit 12 may accept information read from a recording medium such as a disk or a semiconductor memory. You may receive the information transmitted via the network, the communication line, etc.

  Moreover, the reception part 12 may receive a payment instruction | indication via the shop reception part 32 which comprises the shop terminal 3, for example. The reception via the store reception unit 32 means that the communication with the store terminal 3 is possible because, for example, the credit card 1 is close to the store terminal 3 or is attached to the card reader of the store terminal 3. In this case, the store reception unit 32 may receive a payment instruction via the keyboard, the store transmission unit 33 may transmit the payment instruction to the credit card 1, and the reception unit 12 may receive it.

  The registration reception unit 121 receives registration of a spot. The registered spot may be, for example, a place where the user consciously stops to validate the credit card 1 before shopping. The user may register such a place as a spot for validating the credit card 1, for example.

  Alternatively, the registered spot may be, for example, a place where a user usually passes unconsciously during commuting or shopping. The place that usually passes unconsciously is, for example, a place along a specific route when a specific route is taken for daily commuting or shopping. Such a place may be, for example, a ticket gate of the nearest station such as a home or work place, an exit of a subway, a gate of a company where the employee works, a supermarket entrance for daily shopping, and the like. It is preferable that the user registers the two or more places in combination.

  The registration may be, for example, input of one or more spot identifiers using a keyboard or the like, or designation of one or more spots on a map displayed on a display using a touch panel. One or more spot identifiers received by the registration receiving unit 121 or one or more spot identifiers corresponding to one or more spots specified on the map are transmitted to the server device 2 in pairs with the card identifier, for example, and the card It may be stored in the server storage unit 21 in association with the identifier, or may be stored in the storage unit 11 by the processing unit 13.

  The card identifier is information for identifying the credit card 1. The card identifier is, for example, a card number, but may be an ID or any information that can identify the credit card 1.

  For example, when the credit card 1 is a virtual credit card realized by a mobile terminal, the registration reception unit 121 receives registration of one or more spots via a keyboard or the like of the mobile terminal, and stores registration information. You may get it. Alternatively, for example, registration information registered by another device (not shown) may be stored in the recording medium, and the registration receiving unit 121 may read out the registration information from the recording medium. Alternatively, for example, another device such as a PC may receive registration and transmit registration information, and the registration receiving unit 121 may receive registration information transmitted from the other device.

  Registration information is information about one or more registered spots. The registration information includes, for example, a card identifier and one or more spot identifiers. In this embodiment, the registration information acquired by the registration receiving unit 121 is transmitted to the server device 2 in pairs with a card identifier by a registration information transmitting unit 142 described later. For example, the processing unit 13 The information may be stored in a registration information storage unit (not shown) provided in the storage unit 11.

  The period reception unit 122 receives period information. The period information is information that is referred to by the invalidation unit 134 described later, and is information related to a predetermined period. The period information includes, for example, a card identifier and a period. The period is a period until the invalidation unit 134 invalidates after the settlement processing unit 131 described later is validated.

  Note that the term “validation” as used in the present embodiment is not limited to the change from invalid to valid, but may include the maintenance of validity. Similarly, invalidation is not limited to a change from valid to invalid but may also include maintaining invalidity.

  The period information is, for example, information indicating the start point of the period and the length from the start point. However, the period information may be information indicating the start point and end point of the period, or the end point of the period is not clearly indicated. It may be information indicating only.

  The information indicating the start point of the period and the length from the start point may be, for example, “12 hours from the activation”, “24 hours from the detection”, etc., and the start point and the length of the period are not limited. .

  The time from the activation is an elapsed time starting from the time when the activation unit 133 described later activates the settlement processing unit 131. When the activation is performed twice or more, the last valid is usually performed. It means the elapsed time from conversion.

  The detection is usually detection that the user carrying the credit card 1 has passed one or more spots registered in advance. The detection of having passed one or more spots is, for example, detection of having passed all of one or more spots, but may be detection of having passed a part of one or more spots.

  The time from the detection is an elapsed time starting from a point in time when a spot passage detection unit 132 described later detects the passage of one or more spots registered in advance. The time from the detection may be, for example, the elapsed time from the time when the passage of all the one or more spots is detected when the payment processing unit 131 is invalid. Further, the time from the detection may be an elapsed time from the time when the passage of one of the one or more spots was last detected in a state where the settlement processing unit 131 is valid.

  The information indicating the start and end points of the period is, for example, “from 9:00 on April 10, 2017 to 9:00 on April 11, 2017”, “from 9:00 to 21:00 on the day”, and the like. May be. Further, the information indicating only the end point of the period without particularly specifying the start point of the period may be, for example, “until 9 o'clock on April 11, 2017” or “until 24 o'clock on the day”. However, the expression format of time information does not matter.

  The processing unit 13 performs various processes. The various types of processing are, for example, processing of the settlement processing unit 131, the spot passage detection unit 132, the validation unit 133, the invalidation unit 134, and the like.

  The settlement processing unit 131 performs processing for settlement using credit card information. The process for settlement may or may not include the settlement process itself. That is, the processing for settlement may be a series of processing such as acceptance of purchase information, credit card settlement for purchase information, configuration of settlement result information, and the like. Purchase information is information relating to the purchase of a product. The purchase information may include, for example, a product identifier for identifying a product, price information regarding the price of the product, and the like. The settlement result information is information related to the settlement result. The settlement result information may include, for example, price information, information indicating that the settlement is completed, and the like.

  Alternatively, the process for payment is a series of processes such as reception of purchase information, transmission of purchase information and credit card information to the store terminal 3 or a payment server (not shown), and reception of payment result information from the payment server. It does not matter.

  The spot passage detection unit 132 detects that a spot has passed. The spot passage detection unit 132 detects passage of a spot by receiving a signal having a spot identifier that identifies the spot, for example, a signal from a short-range wireless communication device provided in the spot. Also good.

  In the present embodiment, the spot passage detection unit 132 normally detects that an unspecified spot has been passed by receiving information recognized as a spot identifier by short-range wireless communication, and is registered in advance. It is not always necessary to detect that one or more spots have been passed.

  In this embodiment, the server device 2 determines whether or not one or more spots registered in advance are passed, based on the one or more spot identifiers detected by the spot passage detection unit 132. Although details will be described later, the server registration information storage unit 211 stores one or more sets of a card identifier and one or more spot identifiers for identifying spots registered in advance. For each of the one or more credit cards 1, this determination can be made by comparing one or more spot identifiers received from the credit card 1 with one or more stored spot identifiers. Alternatively, for example, one or more spot identifiers for identifying pre-registered spots are stored in the storage unit 11, and a determination unit (not shown) included in the processing unit 13 stores the detected one or more spot identifiers. Such a determination may be made by comparing one or more spot identifiers.

  However, the spot passage detection unit 132 holds, for example, one or more spot identifiers for identifying a spot registered in advance, and one or more spots registered in advance by receiving the one or more spot identifiers. You may detect having passed. The operation of the spot passage detection unit 132 described below may be, for example, an operation corresponding to an operation performed by the server determination unit 231 described later for each of one or more credit cards 1, or the processing unit 13 of each credit card 1. An operation corresponding to an operation performed by a determination unit (not shown) provided may be used.

  For example, the spot passage detection unit 132 may detect passage of one spot registered in advance.

  Alternatively, the spot passage detection unit 132 may detect, for example, that all two or more spots registered in advance have passed. However, the spot passage detection unit 132 may detect that a larger number of spots satisfying a predetermined condition among two or more spots registered in advance are passed. The condition may be, for example, “the number of detected spots is greater than or equal to a threshold value” or “the number of detected spots relative to the number of all registered spots” The ratio may be greater than or equal to or greater than the threshold value.

  The spot passage detection unit 132 receives a signal having a spot identifier that identifies the spot, for example, a signal from a short-range wireless communication device provided in each spot, indicating the passage of one or more spots. It may be detected.

  The validation unit 133 validates the settlement processing unit 131 when the passage of one or more spots registered in advance is detected. In the present embodiment, the enabling unit 133 normally enables the settlement processing unit 131 when the availability information receiving unit 151 receives availability information indicating that it can be used.

  The availability information is information indicating whether the credit card 1 can be used. There are two types of availability information: availability information indicating that the credit card 1 can be used and availability information indicating that the credit card 1 cannot be used. Whether the server determination unit 231 to be described later has passed one or more pre-registered spots based on the spot identifier received from the credit card 1 for each one or more credit cards 1 is determined as the permission information. The information is transmitted to the credit card 1 according to the determination result. The availability information may include, for example, a card identifier and any one of a flag indicating that the card is usable or a flag indicating that the card is not usable.

  Specifically, for example, the enabling unit 133 indicates whether or not the availability information receiving unit 151 can use the server device 2 according to whether a spot identifier transmission unit 141 described below has transmitted a spot identifier to the server device 2. When received, the settlement processing unit 131 is validated. However, the validation unit 133 may validate the settlement processing unit 131 when, for example, a judgment unit (not shown) provided in the processing unit 13 judges that one or more spots registered in advance have passed.

  The invalidation unit 134 invalidates the settlement processing unit 131 when the validation unit 133 validates the settlement processing unit 131 and satisfies a condition related to a predetermined period. The condition relating to the predetermined period may be, for example, a fixed period (for example, 6 hours, one day, etc.) after being validated. Alternatively, the condition relating to the predetermined period may be, for example, “the passage of one or more spots registered in advance is not detected even when the predetermined period elapses”.

  That is, the invalidation unit 134 may invalidate the settlement processing unit 131 when a fixed period has elapsed after the validation unit 133 validates the settlement processing unit 131. Alternatively, for example, after the validation unit 133 validates the settlement processing unit 131, the invalidation unit 134 detects the passage of one or more spots registered in advance even if a predetermined period elapses. If not, the settlement processing unit 131 may be invalidated. After the validation unit 133 validates the settlement processing unit 131, the invalidation unit 134, for example, when the passage of one or more pre-registered spots is detected before a predetermined period elapses. Does not have to invalidate the settlement processing unit 131.

  Note that detection of passing one or more spots when the payment processing unit 131 is activated and detection of passing one or more spots when the payment processing unit 131 is not activated. , Not necessarily the same. That is, for example, the spot passage detection unit 132 detects that all two or more pre-registered spots have passed in the state where the settlement processing unit 131 is not activated, whereas the settlement processing unit 131 In an activated state, it may be detected that one of two or more previously registered spots has passed.

  A determination unit (not shown) included in the spot passage detection unit 132, the server determination unit 231, or the processing unit 13 holds, for example, history information. The history information is information related to a spot passage detection history by the spot passage detection unit 132. The history information may be a set of a set of spot identifiers and detection times, for example. The detection time is the time when the passage of the spot identified by the spot identifier is detected.

  In the present embodiment, the invalidating unit 134 invalidates the settlement processing unit 131 when the availability information receiving unit 151 normally receives availability information indicating that it cannot be used. Specifically, the invalidation unit 134 determines whether or not the availability information receiving unit 151 cannot use the server device 2 in response to, for example, a later-described spot identifier transmission unit 141 transmitting a spot identifier to the server device 2. Is received, the settlement processing unit 131 is invalidated. However, for example, as described above, the invalidation unit 134 may invalidate the settlement processing unit 131 when the spot passage detection unit 132 does not receive one or more spot identifiers registered in advance.

  Alternatively, the settlement processing unit 131 may be invalidated when a determination unit (not shown) provided in the processing unit 13 determines that a condition related to a predetermined period is satisfied. The manner in which the determination is made in the credit card 1 will be described in the second embodiment.

  The transmission unit 14 transmits various types of information. Various types of information include, for example, spot identifiers, registration information, period information, availability information, and the like. Moreover, the transmission part 14 may transmit the payment result information which the payment process part 131 comprised to the shop terminal 3, for example.

  The spot identifier transmission unit 141 transmits a spot identifier. Specifically, the spot identifier transmission unit 141 pairs the spot identifier for identifying the spot with the card identifier stored in the storage unit 11 in response to the spot passage detection unit 132 detecting the passage of the spot. It transmits to the server device 2. The spot identifier transmission unit 141 normally sets the spot identifier for identifying the spot to the server device 2 in pairs with the card identifier stored in the storage unit 11 each time the spot passage detection unit 132 detects passage of the spot. Send.

  For example, the spot identifier transmission unit 141 acquires the current time from the MPU built-in clock or the NTS server in response to the spot passage detection unit 132 receiving the spot identifier, and identifies the acquired current time by the spot identifier. As the spot detection time, the spot identifier may be transmitted to the server device 2 in pairs with the detection time and the card identifier stored in the storage unit 11. Hereinafter, the current time acquired in response to spot detection may be referred to as detection time.

  However, when there is only one credit card 1, the card identifier need not be transmitted. This matter also applies to the registration information transmission unit 142 and the period information transmission unit 143.

  The registration information transmission unit 142 transmits registration information. The registration information transmitting unit 142 normally transmits the registration information received by the registration receiving unit 121 to the server device 2 in a pair with the card identifier stored in the storage unit 11. Note that transmitting to a pair includes a case where the registration information includes a card identifier.

  The period information transmission unit 143 transmits period information. The period information transmission unit 143 normally transmits the period information received by the period reception unit 122 to the server device 2 in pairs with the card identifier stored in the storage unit 11. Note that transmitting to a pair includes a case in which the period information includes a card identifier.

  The receiving unit 15 receives various information. Various types of information include, for example, spot identifiers and availability information. The receiving unit 15 receives, for example, a spot identifier for identifying the spot from a short-range wireless communication device provided in one or more spots. The receiving unit 15 may receive purchase information from the store terminal 3, for example.

  The availability information receiving unit 151 receives availability information. For example, the availability information receiving unit 151 receives availability information indicating availability from the server device 2 when passage of one or more spots registered in advance is detected. Specifically, for example, one or more spot identifiers are stored in the server registration information storage unit 211 in association with the card identifier for identifying the credit card 1, and the spot identifier and the card by the spot identifier transmission unit 141 are stored. Whether or not one or more spot identifiers corresponding to one or more spot identifiers stored in a pair with the card identifier are received by the spot identifier receiving unit 221 each time an identifier pair is transmitted. When the determination result is affirmative, the availability information receiving unit 151 may receive availability information indicating that the server device 2 can be used.

  In addition, the availability information receiving unit 151 indicates whether or not the server device 2 cannot use the server device 2 when the validation unit 133 validates the settlement processing unit 131 and satisfies a condition regarding a predetermined period, for example. Receive. Specifically, for example, the server period information is stored in the server period information storage unit 212 in pairs with the card identifier for identifying the credit card 1, and the server registration information is paired with the card identifier by the server determination unit 231. Even if one or more spot identifiers corresponding to one or more spot identifiers stored in the storage unit 211 are received by the spot identifier receiving unit 221, even if the period indicated by the period information has passed, When the determination result does not change from a negative determination result to a positive determination result, availability information indicating that the server apparatus 2 cannot be used may be received.

  In addition, when the condition regarding a predetermined period is not satisfied, or when the determination result of the server determination unit 231 changes from a negative determination result to a positive determination result before the period elapses, the availability information For example, the receiving unit 151 does not receive any determination result information. However, in such a case, the availability information receiving unit 151 may receive the determination result information indicating that it can be used.

  The server storage unit 21 constituting the server device 2 can store various types of information. Various types of information include, for example, registration information and period information.

  The server registration information storage unit 211 stores one or more pairs of card identifiers and registration information.

  The server period information storage unit 212 stores one or more pairs of card identifiers and period information.

  The server receiving unit 22 receives various types of information. The various information includes, for example, a spot identifier, registration information, period information, and the like.

  The spot identifier receiving unit 221 receives a spot identifier from one or more credit cards 1 as a pair with a card identifier. Each time the spot identifier receiving unit 221 receives a spot identifier, the spot identifier receiving unit 221 accumulates the spot identifier in the server storage unit 21 in association with the received card identifier.

  The registration information receiving unit 222 receives registration information from each of the one or more credit cards 1 as a pair with a card identifier.

  The period information receiving unit 223 receives the period information from each of the one or more credit cards 1 in pairs with the card identifier.

  The server processing unit 23 performs various processes. The various processes are processes of the server determination unit 231 and the like, for example.

  The server determination unit 231 determines whether one or more credit cards 1 have passed one or more spots registered in advance with respect to a card identifier for identifying the credit card 1. Specifically, for example, each time the spot identifier receiving unit 221 receives a spot identifier paired with a card identifier and accumulates the spot identifier in the server storage unit 21 in association with the card identifier, the server determination unit 231 One or more spot identifiers stored in a pair with the card identifier in the server storage unit 21; and one or more spot identifiers included in registration information stored in a pair with the card identifier in the server registration information storage unit 211; Are determined to match each other, and if they match each other, it is determined that the credit card 1 identified by the card identifier has passed one or more spots registered in advance with respect to the credit card 1. May be. When the server determination unit 231 determines that one or more credit cards 1 have passed one or more spots registered in advance with respect to a card identifier for identifying the credit card 1, the server determination unit 231 can use the card identifier. The availability information having a flag indicating the

  Further, the server determination unit 231 has a function of measuring the elapsed time from activation for each of the one or more credit cards 1, and holds one or more pairs of card identifiers and elapsed time information. After the validation, it is determined that it cannot be used when a condition regarding a predetermined period is satisfied. Specifically, for example, the server period information storage unit 212 stores period information paired with a card identifier that identifies the credit card 1, and the server determination unit 231 includes server registration information paired with the card identifier. It is determined whether or not one or more spot identifiers corresponding to the one or more spot identifiers stored in the storage unit 211 have been received by the spot identifier reception unit 221. Then, even if the elapsed time information paired with the card identifier passes the period indicated by the period information paired with the card identifier, the server determination unit 231 determines that the determination result is positive from the negative determination result. If the determination result does not change, the credit card 1 identified by the card identifier may be determined to be unusable. If the server determination unit 231 determines that one or more credit cards 1 cannot be used, the server determination unit 231 acquires the availability information including the card identifier and a flag indicating that the credit card 1 cannot be used.

  The server transmission unit 24 transmits various information. The various information is, for example, availability information.

  The availability information transmission unit 241 transmits availability information. The availability information transmitting unit 241 normally transmits the availability information to the credit card 1 when the state regarding availability of each of the one or more credit cards 1 changes.

  For example, when the server determination unit 231 determines that one or more credit cards 1 can be used, the permission information transmission unit 241 transmits permission information indicating availability to the credit card 1. Specifically, for example, when the server determination unit 231 acquires the availability information having a card identifier and a flag indicating that the card can be used, the availability information transmission unit 241 determines the credit card 1 identified by the card identifier. The availability information may be transmitted.

  In addition, for example, when the server determination unit 231 determines that one or more credit cards 1 cannot be used, the permission information transmission unit 241 indicates whether or not the credit card 1 can be used. Send. Specifically, for example, when the server determination unit 231 acquires availability information having a card identifier and a flag indicating that the card cannot be used, the availability information transmission unit 241 identifies the credit card 1 identified by the card identifier. Alternatively, the availability information may be transmitted.

  The store storage part 31 which comprises the store terminal 3 can store various information. The various information is, for example, a terminal identifier. The terminal identifier is information for identifying the store terminal 3. The terminal identifier is, for example, an address such as a MAC address or an IP address, but may be any information as long as it can identify the store terminal 3.

  The store reception unit 32 receives various types of information. The various information is, for example, a card identifier that identifies the credit card 1. The store reception unit 32 receives information such as a card identifier via an input device such as a keyboard or a card reader.

  The store transmission unit 33 transmits various types of information. The various information is, for example, a card identifier. For example, the store transmission unit 33 may transmit the card identifier received by the store reception unit 32 to the server device 2.

  The store receiving unit 34 receives various types of information. The various information is, for example, availability information. For example, the store reception unit 34 may receive information indicating whether the card identifier is included from the server device 2 in response to the store transmission unit 33 transmitting the card identifier to the server device 2.

  The store output unit 35 outputs various types of information. The various information is, for example, availability information. The store output unit 35 outputs information such as availability information through an output device such as a display or a speaker. Note that the availability information that is output may not be the same as the received availability information. The output is usually output in the store terminal 3, but may be output from an external display or the like.

  Alternatively, the store output unit 35 may transmit the availability information received by the store reception unit 34 to, for example, the credit card 1 identified by the card identifier included in the availability information.

  The storage unit 11, the credit card information storage unit 111, the server storage unit 21, the server registration information storage unit 211, the server period information storage unit 212, and the store storage unit 31 are, for example, non-volatile recording media such as a hard disk and a flash memory. Although suitable, it can also be realized by a volatile recording medium such as a RAM. This also applies to the storage unit 11a, the credit card information storage unit 111, the registration information storage unit 112, and the period information storage unit 113 described in the second embodiment.

  The process in which information is stored in the storage unit 11 or the like is not limited. For example, information may be stored in the storage unit 11 or the like via a recording medium, or information transmitted via a network or a communication line may be stored in the storage unit 11 or the like. Alternatively, information input via the input device may be stored in the storage unit 11 or the like. The input device may be anything such as a keyboard, a mouse, and a touch panel.

  The reception unit 12, the registration reception unit 121, the period reception unit 122, and the store reception unit 32 may or may not include an input device. The receiving unit 12 or the like can be realized by driver software of the input device or by the input device and its driver software.

  The processing unit 13, the settlement processing unit 131, the spot passage detection unit 132, the validation unit 133, the invalidation unit 134, the server processing unit 23, and the server determination unit 231 can be usually realized by an MPU, a memory, or the like. This also applies to the processing unit 13a, the validation unit 133a, the invalidation unit 134a, and the determination unit 135 described in the second embodiment. The processing procedure of the processing unit 13 or the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

  The transmission unit 14, the spot identifier transmission unit 141, the registration information transmission unit 142, the period information transmission unit 143, the server transmission unit 24, the availability information transmission unit 241, and the store transmission unit 33 are usually wired or wireless communication means (for example, It is realized by a short-range wireless communication module, a communication module such as a network interface controller (NIC) or a modem), but may be realized by a broadcasting means (for example, a broadcasting module).

  The receiving unit 15, availability information receiving unit 151, server receiving unit 22, spot identifier receiving unit 221, registration information receiving unit 222, period information receiving unit 223, and store receiving unit 34 are usually realized by wired or wireless communication means. However, it may be realized by means for receiving a broadcast (for example, a broadcast receiving module).

  The store output unit 35 may or may not include an output device such as a display or a speaker. The store output unit 35 can be realized by driver software of an output device or by an output device and its driver software.

  Next, the operation of the information system 100 will be described using the flowcharts of FIGS.

  FIG. 2 is a flowchart for explaining the operation of the credit card 1.

  (Step S201) The processing unit 13 or the like performs spot passage detection transmission processing that is processing for detecting passage of a spot and transmitting a spot identifier or the like. The spot passage detection transmission process will be described with reference to the flowchart of FIG.

  (Step S <b> 202) The processing unit 13 determines whether the availability information receiving unit 151 has received availability information indicating availability from the server device 2. If the availability information receiving unit 151 receives availability information indicating that the server apparatus 2 can be used, the process proceeds to step S203. If not received, the process proceeds to step S204.

  (Step S203) The validation unit 133 validates the settlement processing unit 131. Thereafter, the process returns to step S201.

  (Step S204) The processing unit 13 determines whether or not the availability information indicating that the server apparatus 2 cannot be used has been received. If the availability information indicating that the server apparatus 2 cannot be used is received, the process proceeds to step S205. If not received, the process proceeds to step S206.

  (Step S205) The invalidation unit 134 invalidates the settlement processing unit 131. Thereafter, the process returns to step S201.

  (Step S206) The processing unit 13 determines whether or not the registration receiving unit 121 has received registration of one or more spots. If the registration receiving unit 121 receives registration of one or more spots, the process proceeds to step S207, and if not received, the process proceeds to step S208.

  (Step S207) The registration information transmission unit 142 transmits registration information including one or more spot identifiers for identifying one or more registered spots and a card identifier stored in the storage unit 11 to the server device 2. To do. Thereafter, the process returns to step S201.

  (Step S208) The processing unit 13 determines whether or not the period receiving unit 122 has received period information. If the period receiving unit 122 receives period information, the process proceeds to step S209. If not received, the process proceeds to step S210.

  (Step S209) The period information transmission unit 143 transmits the period information received by the period reception unit 122 to the server device 2 in a pair with the card identifier stored in the storage unit 11. Thereafter, the process returns to step S201.

  (Step S210) The processing unit 13 determines whether the receiving unit 12 has received a settlement instruction. If the accepting unit 12 accepts a settlement instruction, the process proceeds to step S211. If not accepted, the process returns to step S201.

  (Step S211) The processing unit 13 determines whether or not the settlement processing unit 131 is valid. If the settlement processing unit 131 is valid, the process proceeds to step S212. If the settlement processing unit 131 is invalid, the process proceeds to step S213.

  (Step S212) The settlement processing unit 131 executes processing for settlement. Specifically, for example, the payment processing unit 131 may receive purchase information from the store terminal 3, perform credit card payment for the purchase information, configure payment result information, and transmit the payment result information to the store terminal 3. Thereafter, the process returns to step S201.

  (Step S <b> 213) The processing unit 13 outputs the availability information indicating that the settlement is not received, which is received by the availability information receiving unit 151. Thereafter, the process returns to step S201.

  In the flowchart of FIG. 2, the process starts in response to power-on of the credit card 1 or activation of the program, and the process is ended by power-off or a process end interrupt. However, the trigger for starting or ending the process does not matter.

  FIG. 3 is a flowchart illustrating the spot passage detection transmission process in step S201.

  (Step S301) The processing unit 13 determines whether or not the spot passage detection unit 132 has detected passage of a spot. When the spot passage detection unit 132 detects passage of the spot, the process proceeds to step S302, and when not detected, the process returns to the upper process.

  (Step S302) The spot passage detection unit 132 acquires the detection time from, for example, an MPU built-in clock or an NTS server.

  (Step S303) The spot identifier transmission unit 141 uses the spot identifier for identifying the spot detected in step S203 as a pair with the detection time acquired in step S302 and the card identifier stored in the storage unit 11. Transmit to device 2. Thereafter, the process returns to the upper process.

  FIG. 4 is a flowchart for explaining the operation of the server device 2.

  (Step S401) The server processing unit 23 determines whether or not the server receiving unit 22 has received the spot identifier and the detection time as a pair with the card identifier. When the server reception unit 22 receives the spot identifier and the detection time as a pair with the card identifier, the process proceeds to step S402, and when not received, the process proceeds to step S407.

  (Step S402) The server processing unit 23 stores the spot identifier and the detection time in the server storage unit 21 in association with the card identifier.

  (Step S403) The server determination unit 231 determines whether or not passage of one or more spots registered for the credit card 1 identified by the card identifier is detected.

  Specifically, the server determination unit 231 includes one or more spot identifiers stored in a pair with the card identifier in the server storage unit 21 as a result of the spot passage detection transmission process in step S401, and the server registration information storage unit 211 Comparing the card identifier with one or more spot identifiers stored in a pair of registered information, for example, in the server registration information storage unit 211, one or more registered information stored in a pair with the card identifier When all of the spot identifiers match one or more spot identifiers stored in the server storage unit 21, the passage of one or more spots registered for the credit card 1 identified by the card identifier is detected. It may be determined that The server determination unit 231 determines that at least one of the one or more spot identifiers included in the registration information does not match the one or more spot identifiers stored in the server storage unit 21 as a pair with the card identifier. If it is not stored in the card, it may be determined that the passage of one or more spots registered for the credit card 1 identified by the card identifier is not detected.

  If the passage of one or more spots registered for the credit card 1 identified by the card identifier is detected, the process proceeds to step S404, and if not detected, the process proceeds to step S405.

  (Step S404) The availability information transmitting unit 241 transmits the availability information indicating that settlement is possible to the credit card 1 identified by the card identifier. Then, it returns to step S401.

  (Step S405) The server determination unit 231 is registered for the credit card 1 identified by the card identifier even if the period determined for the credit card 1 identified by the card identifier elapses. It is determined whether or not the passage of the above spot has been detected.

  Specifically, the determination unit 135 is, for example, period information stored in the server period information storage unit 212, and the same comparison as in step S402 is performed according to the elapse of the period corresponding to the period information including the card identifier. The registration information stored in the server registration information storage unit 211, and even one of one or more spot identifiers included in the registration information including the card identifier is paired with the card identifier in the server storage unit 21. Even if a period determined for the credit card 1 identified by the card identifier has passed when the spot identifier does not match one or more stored spot identifiers or is not stored in the server storage unit 21, It may be determined that passage of one or more spots is not detected for the credit card 1 identified by the card identifier.

  Even if a period determined for the credit card 1 identified by the card identifier has passed, passage of one or more spots registered for the credit card 1 identified by the card identifier has not been detected. If so, the process proceeds to step S406; otherwise, the process returns to step S201.

  (Step S406) The availability information transmitting unit 241 transmits availability information indicating that payment is not possible to the credit card 1 identified by the card identifier. Then, it returns to step S401.

  (Step S407) The server processing unit 23 determines whether or not the registration information receiving unit 222 has received registration information. If the registration information receiving unit 222 has received registration information, the process proceeds to step S408, and if not, the process proceeds to step S409.

  (Step S <b> 408) The server processing unit 23 accumulates the registration information in the server registration information storage unit 211. Then, it returns to step S401.

  (Step S409) The server processing unit 23 determines whether or not the period information receiving unit 223 has received the period information. When the period information receiving unit 223 receives the period information, the process proceeds to step S410, and when not received, the process returns to step S401.

(Step S410) The server processing unit 23 accumulates the period information in the server period information storage unit 212. Then, it returns to step S401.
Then, it returns to step S401.

  In the flowchart of FIG. 4, the process starts in response to power-on of the server device 2 or activation of a program, and the process ends by interruption of power-off or process end. However, the trigger for starting or ending the process does not matter.

  Hereinafter, a specific operation example of the information system 100 in the present embodiment will be described. The information system 100 of this example includes two or more credit cards 1, a server device 2, and one or more store terminals 3.

  One of the two or more credit cards 1 is a credit card 1 identified by a card identifier “X” (hereinafter, sometimes referred to as a credit card 1X). This credit card 1X is owned by the user A. Credit card information including the card identifier “X” is stored in the credit card information storage unit 111 of the credit card 1X.

  The other one of the two or more credit cards 1 is a credit card 1 (hereinafter, credit card 1Y) identified by a card identifier “Y”. This credit card 1Y is owned by the user A. Credit card information including the card identifier “Y” is stored in the credit card information storage unit 111 of the credit card 1Y.

  The ticket gate at the nearest station of user A's home is provided with a short-range wireless communication device that transmits a signal having a spot identifier “aaa”, and the reach of this signal is spot aaa. User A registers spot aaa in advance as one spot for the credit card 1X possessed. Further, the user A has previously registered “12 hours after activation” as the period information for the credit card 1X.

  A ticket at the nearest station of the company where user B works is provided with a short-range wireless communication device that transmits a signal having a spot identifier “bbb”, and this reachable range is a spot bbb. In addition, a short-range wireless communication device that transmits a signal having a spot identifier “ccc” is provided at the gate of this company, and the reach of this signal is a spot ccc. User B registers a spot bbb and a spot ccc as two spots for the credit card 1Y that he holds. User B has registered in advance “24 hours from detection” as the period information for the credit card 1Y.

  In the server registration information storage unit 211 and the server period information storage unit 212 of the server device 2, for example, two or more pieces of registration / period information as shown in FIG. 5 are stored. The registration / period information is information obtained by integrating registration information and period information. The registration / period information includes, for example, a card identifier, one or more spot identifiers, and period information. Two or more pieces of registration / period information shown in FIG. 5 correspond to IDs (for example, “1”, “2”, etc.).

  For example, registration / period information associated with ID “1” (hereinafter may be referred to as registration / period information 1) includes a card identifier “X”, one spot identifier “aaa”, and period information “validation”. 12 hours ".

  Also, registration / period information (hereinafter, registration / period information 2) associated with ID “2” includes a card identifier “Y”, two spot identifiers “bbb”, “ccc”, and period information “from detection 24”. Time "and so on.

  The server storage unit 21 can store two or more pieces of management information as shown in FIG. 6, for example. Note that the two or more pieces of management information shown here are information at 18:40 on April 11, 2017.

  The management information includes, for example, a card identifier, a flag, and history information. The history information has one or more sets of spot identifiers and detection times. Two or more pieces of management information shown in FIG. 6 are associated with IDs (for example, “1”, “2”, etc.).

  For example, the management information associated with the ID “1” (hereinafter sometimes referred to as management information 1) includes a card identifier “X”, a flag “available”, a spot identifier “aaa”, and a detection time “2017/4”. And a set of spot identifier “aaa” and detection time “April 10, 2017 19:30”.

  Management information associated with ID “2” (hereinafter, management information 2) includes a card identifier “Y”, a flag “unusable”, a spot identifier “bbb”, and a detection time “April 10, 2017 8”. : 40 ”, spot identifier“ ccc ”and detection time“ April 10, 2017 8:50 ”, spot identifier“ ccc ”and detection time“ April 10, 2017 18:30 ”, A set of a spot identifier “ddd” and a detection time “April 10, 2017 19:00”, a set of a spot identifier “eeee” and a detection time “April 11, 2017 18:40”, and the like.

  Note that the flag included in each management information is, for example, “unusable” in the initial state, and the server processing unit 23 sets the flag included in each management information according to the spot detection status in each credit card 1. , Change to “usable” or return to “unusable”. The history information included in each management information is, for example, “Null” indicating the absence of the information in the initial state, and the server processing unit 23 detects each management card according to detection of a spot on each credit card 1. A set of spot identifiers and detection times is added to the history information included in the information.

  It is assumed that the user A carrying the credit card 1X leaves his home, goes to the nearest station, and passes the ticket gate of the nearest station at 8:10 on April 10, 2017.

  In the credit card 1X, the spot passage detection unit 132 detects the passage of the spot aaa by receiving the spot identifier “aaa”, and acquires the detection time “April 10, 2017 8:10”. The spot identifier transmission unit 141 transmits the spot identifier “aaa” to the server device 2 in combination with the detection time “April 10, 2017 8:10” and the card identifier “X”.

  In the server device 2, the server receiving unit 22 receives the spot identifier “aaa” as a pair with the detection time “April 10, 2017 8:10” and the card identifier “X”. A set of “aaa” and detection time “April 10, 2017 8:10” is stored in the server storage unit 21 in association with the card identifier “X”.

  The server determination unit 231 includes a set of a spot identifier “aaa” and a detection time “April 10, 2017 8:10” that are the same as the spot identifier “aaa” included in the period / registration information 1 having the card identifier “X”. As a result of the above accumulation, since it is added to the management information 1 having the card identifier “X”, it is detected that the passage of one spot aaa registered for the credit card 1X identified by the card identifier “X” is detected. to decide. The availability information transmission unit 241 transmits availability information indicating the availability to the credit card 1X identified by the card identifier “X”.

  In the credit card 1 </ b> X, the availability information receiving unit 151 receives availability information indicating availability from the server device 2, and the validation unit 133 validates the settlement processing unit 131.

  Thereafter, the user A gets off the train and goes to the workplace. After 18:00 on the same day, before the user A gets on the train, the user A visits the store and purchases a product. The credit card 1X can be used because it has been less than 12 hours since it was activated in the morning. The user A holds the credit card 1X over the short-range wireless communication module of the store terminal 3 in order to make payment. The store clerk inputs purchase information and a settlement instruction via the keyboard of the store terminal 3 or the like.

  In the store terminal 3, the store reception unit 32 receives input of purchase information and a settlement instruction, and the store transmission unit 33 transmits the purchase information and the settlement instruction to the credit card 1X.

  In the credit card 1X, the reception unit 12 receives the purchase information and the payment instruction, and the payment processing unit 131 performs a credit card payment for the purchase information and transmits payment result information indicating completion of payment to the store terminal 3. In the store terminal 3, the store receiving unit 34 receives the settlement result information, and the store output unit 35 displays a character string “settlement completed” corresponding to the received settlement result information on the display.

  User A who has finished shopping gets on the train, gets off at the nearest station, and passes the ticket gate at 19:30 on the same day.

  In the credit card 1X, the spot passage detection unit 132 detects the passage of the spot aaa by receiving the spot identifier “aaa”, and acquires the detection time “April 10, 2017 19:30”. The spot identifier transmission unit 141 transmits the spot identifier “aaa” to the server device 2 in combination with the detection time “April 10, 2017 19:30” and the card identifier “X”.

  In the server device 2, the server receiving unit 22 receives the spot identifier “aaa” as a pair with the detection time “April 10, 2017 19:30” and the card identifier “X”. A set of “aaa” and detection time “April 10, 2017 19:30” is stored in the server storage unit 21 in association with the card identifier “X”.

  The server determination unit 231 includes a set of a spot identifier “aaa” and a detection time “April 10, 2017 19:30” that are the same as the spot identifier “aaa” included in the period / registration information 1 having the card identifier “X”. As a result of the above accumulation, the credit card 1X identified by the card identifier “X” is added to the management information 1 having the card identifier “X” before 12 hours have passed since the last activation. It is determined that the passage of one registered spot aaa has been detected. In response to this, the server processing unit 23 changes the flag included in the management information 1 having the card identifier “X” to “available”, and the availability information transmitting unit 241 is identified by the card identifier “X”. Is sent to the credit card 1X.

  In the credit card 1 </ b> X, the availability information receiving unit 151 receives availability information indicating availability from the server device 2, and the validation unit 133 validates the settlement processing unit 131. As a result, the credit card 1X can be used for a period until 7:30 on April 11, 2017, 12 hours later.

  After that, unless the credit card 1X passes through the ticket gate of the nearest station by 7:30 on April 11, 2017, the spot identifier receiving unit 221 of the server device 2 will pair the spot identifier “X” with the card identifier “X”. A set of “aaa” and the detection time before the time is not received. At 7:30 on April 11, 2017, the server determination unit 231 does not receive a pair associated with the card identifier “X”, so the credit card 1X identified by the card identifier “X” It is determined that the passage of one spot aaa registered with respect to the credit card 1X has not been detected even after the predetermined period “12 hours” has elapsed. In response to this, the server processing unit 23 changes the flag included in the management information 1 having the card identifier “X” to “unusable”, and the availability information transmitting unit 241 displays availability information indicating that the card cannot be used. To the credit card 1X.

  In the credit card 1X, the availability information receiving unit 151 receives availability information indicating that it cannot be used, and the invalidation unit 134 invalidates the settlement processing unit 131.

  After that, when the user A carrying the credit card 1X passes the ticket gate of the nearest station to go to work, the credit card 1X can be used again.

  However, if the credit card 1X is misplaced at the home of the user A, it cannot be used until the next time it passes the ticket gate of the nearest station, so the security against misplacement increases. Also, if the credit card 1X is stolen, it will not be activated unless it accidentally passes through the ticket gate of the nearest station. Even if it is activated, it will be invalidated after 12 hours. Security against theft is also increased.

  The processing for the credit card 1Y is as follows.

  Assume that the user B carrying the credit card 1Y gets on the train, gets off the train at the nearest station of the company, and passes the ticket gate at 8:40 on April 10, 2017.

  In the credit card 1Y, the spot passage detection unit 132 detects the passage of the spot bbb by receiving the spot identifier “bbb” and acquires the detection time “April 10, 2017 8:40”. The spot identifier transmission unit 141 transmits the spot identifier “bbb” to the server device 2 in pairs with the detection time “April 10, 2017 8:40” and the card identifier “Y”.

  In the server device 2, the server reception unit 22 receives the spot identifier “bbb” as a pair with the detection time “April 10, 2017 8:40” and the card identifier “Y”. A set of “bbb” and detection time “April 10, 2017 8:40” is stored in the server storage unit 21 in association with the card identifier “Y”.

  The server determination unit 231 includes a set of a spot identifier “bbb” and a detection time “April 10, 2017 8:40” that are the same as the spot identifier “bbb” included in the period / registration information 2 having the card identifier “Y”. As a result of the accumulation, although added to the management information 2 having the card identifier “Y”, another spot identifier “ccc” included in the period / registration information 2 is not added. It is determined that the passage of the two spots bbb and ccc registered for the credit card 1Y identified by “Y” has not been detected yet. For this reason, transmission of availability information by the availability information transmission unit 241 is not performed at this time.

  Thereafter, when the user B passes through the company gate, the spot passage detection unit 132 detects the passage of the spot ccc and acquires the detection time “April 10, 2017 8:50”. The spot identifier transmission unit 141 transmits the spot identifier “ccc” to the server device 2 in combination with the detection time “April 10, 2017 8:50” and the card identifier “Y”.

  In the server device 2, the server reception unit 22 receives this, and the server processing unit 23 corresponds the set of the spot identifier “ccc” and the detection time “April 10, 2017 8:50” to the card identifier “Y”. In addition, it accumulates in the server storage unit 21. The server determination unit 231 further adds a set of the spot identifier “ccc” and the detection time “April 10, 2017 8:50”, which is the same as the spot identifier “ccc” included in the period / registration information 2, to the management information 2. Thus, it is determined that the passage of the two spots bbb and ccc registered for the credit card 1Y identified by the card identifier “Y” has been detected. Therefore, the server processing unit 23 changes the flag included in the management information 2 to “usable”, and the availability information transmitting unit 241 transmits availability information indicating availability to the credit card 1Y.

  In the credit card 1Y, the availability information receiving unit 151 receives availability information indicating availability from the server device 2, and the validation unit 133 validates the payment processing unit 131.

  When the user B passes the office gate after the end of work, the spot passage detection unit 132 detects the passage of the spot ccc and acquires the detection time “April 10, 2017 18:30”. The spot identifier transmission unit 141 transmits the spot identifier “ccc” to the server device 2 in combination with the detection time “April 10, 2017 18:30” and the card identifier “Y”.

  In the server device 2, the server receiving unit 22 receives this, and the server processing unit 23 corresponds the set of the spot identifier “ccc” and the detection time “April 10, 2017 18:30” to the card identifier “Y”. In addition, it accumulates in the server storage unit 21. The server determination unit 231 further adds a set of the spot identifier “ccc” and the detection time “April 10, 2017 18:30”, which is the same as the spot identifier “ccc” included in the period / registration information 2, to the management information 2. Thus, when the credit card 1Y is usable, it is determined that one of the two spots bbb and ccc registered for the credit card 1Y identified by the card identifier “Y” has been detected. To do. Therefore, the availability information transmission unit 241 transmits availability information indicating the availability to the credit card 1Y. However, in a state where the credit card 1Y is usable, the availability information transmission unit 241 may not transmit the availability information.

  In the credit card 1Y, the availability information receiving unit 151 receives availability information indicating availability from the server device 2, and the validation unit 133 validates the payment processing unit 131. However, in the state where the credit card 1Y is usable, if the availability information is not received, the enabling unit 133 is maintained in the usable state even if it is not particularly validated.

  Thereafter, it is assumed that the user B loses the credit card 1Y on the way to the nearest station of the company. It is assumed that the credit card 1Y is picked up by another person and the passage of the spot ddd is detected at 19:00 on the same day. As a result, a set of the spot identifier “ddd” and the detection time “April 10, 2017, 19:00” is added to the management information 2, but the spot identifier “ddd” is 2 in the registration / period information 2. Since it is different from any of the two spot identifiers, the server determination unit 231 uses the two spots bbb and ccc registered for the credit card 1Y identified by the card identifier “Y” in a state where the credit card 1Y is usable. It is determined that none of the passages are detected. However, since the elapsed time from the previous detection time “April 10, 2017 18:30” to this time is 30 minutes and less than 12 hours, the credit card 1Y is maintained in a usable state. .

  Thereafter, at 18:30 on April 11, 2017, the server determination unit 231 starts the period information 2 from the previous detection time “April 10, 2017 18:30” in a state where the credit card 1Y is usable. It is determined that the passage of any of the two spots bbb and ccc registered with respect to the credit card 1Y identified by the card identifier “Y” has not been detected even after the elapse of 24 hours. Therefore, the server processing unit 23 changes the flag included in the management information 2 to “unusable”, and the availability information transmitting unit 241 transmits the availability information indicating the unavailable status to the credit card 1Y.

  In the credit card 1Y, the availability information receiving unit 151 receives availability information indicating that it cannot be used from the server device 2, and the invalidation unit 134 invalidates the settlement processing unit 131. Thereby, the credit card 1Y becomes unusable.

  Thereafter, it is assumed that the person who found the credit card 1Y tries to use the credit card 1Y illegally in the store. The finder holds the credit card 1Y over the short-distance wireless communication module of the store terminal 3 in order to pay with the credit card 1Y. The store clerk inputs purchase information and a settlement instruction via the keyboard of the store terminal 3 or the like.

  In the store terminal 3, the store reception unit 32 receives input of purchase information and a settlement instruction, and the store transmission unit 33 transmits the purchase information and the settlement instruction to the credit card 1Y.

  In the credit card 1Y, the reception unit 12 receives the purchase information and the payment instruction, but since the payment processing unit 131 is invalidated, the credit card payment is not performed. The transmission unit 14 transmits payment result information indicating that payment is not possible to the store terminal 3. In the store terminal 3, the store receiving unit 34 receives the settlement result information, and the store output unit 35 displays a character string “cannot be settled with this card” corresponding to the received settlement result information on the display.

  Since the credit card 1Y cannot be used, the finder pays with cash or another card or gives up shopping.

  Thereafter, the passage of the spot eeee is detected, and a set of the spot identifier “eeee” and the detection time “April 11, 2017 18:40” is added to the management information 2, but the credit card 1Y is usable. Don't be. In order for the credit card 1Y to be usable, it must pass through the two spots bbb and ccc, so that illegal use by the finder is difficult.

  On the other hand, when the credit card 1Y returns to the user B, when the user B goes to work as usual, the passage of the two spots bbb and ccc is detected, and the credit card 1Y becomes usable.

  As described above, according to the present embodiment, the credit card 1 is a credit card information storage unit 111 that stores credit card information that is information related to the credit card, and a settlement that performs a process for settlement using the credit card information. When the passage of one or more spots registered in advance is detected, the settlement processor 131 is activated to detect passage of one or more spots registered in advance. In this case, the credit card can be prevented from being illegally used.

  Further, since the credit card 1 becomes inoperable by disabling the payment processing unit 131 when the conditions related to a predetermined period are satisfied after the payment processing unit 131 is enabled, security is further increased. Can be increased.

  The credit card 1 accepts registration of one or more spots, acquires registration information having one or more spot identifiers for identifying one or more spots, and has passed one or more spots of the acquired registration information. By detecting this, the user can customize the combination of one or more spots, thereby further improving security.

  In addition, the credit card 1 receives period information indicating a predetermined period, and when the condition related to the period indicated by the received period information is satisfied, the credit card 1 is disabled until the card is disabled by invalidating the settlement processing unit. The user can customize the period to balance security and convenience.

  Further, when the passage of the spot is detected, the credit card 1 transmits a spot identifier for identifying the spot to the server device 2, and whether or not the credit card 1 can be used from the server device 2 in response to the transmission of the spot identifier. Since the settlement processing unit 131 is activated when the availability information indicating availability is received and the availability information indicating availability is received, the server apparatus 2 registers one or more spots for each one or more credit cards 1. By managing information and determining whether or not it can be used, unauthorized use of a credit card can be suppressed.

  However, the credit card 1 includes a registration information storage unit (not shown) in which registration information having one or more spot identifiers for identifying one or more spots registered in advance is stored. When it is determined whether or not passage of one or more spots identified by the spot identifier is detected, and it is determined that passage of one or more spots identified by the one or more spot identifiers included in the registration information is detected The payment processing unit 131 may be validated, whereby the credit card 1 itself can manage the registration information of one or more spots and determine whether or not the credit card 1 can be used, thereby improving security easily. .

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. Note that the software that implements the information processing apparatus according to the present embodiment is the following program.

  That is, the recording medium accessible by the computer of the credit card 1 includes a credit card information storage unit 111 in which credit card information, which is information related to the credit card, is stored. A payment processing unit 131 that performs a process for payment using a spot, a spot passage detection unit 132 that detects passage of one or more spots registered in advance, and the spot passage detection unit 1 that is registered in advance. This is a program for causing the settlement processing unit 131 to function as an enabling unit 133 when the passage of the spot is detected.

  In addition, when the passage of a spot is detected, the program causes the computer to detect a spot identifier for identifying the spot to the server device 2, and a spot identifier by the spot identifier transmission unit 141. In response to the transmission of the credit card 1 from the server device 2 to function as a permission information receiving unit 151 that receives the permission information, and the enabling unit 133 is configured so that the permission information receiving unit 151 This program activates the settlement processing unit 131 when it receives availability information indicating that it can be used.

(Embodiment 2)
FIG. 7 is a block diagram of information system 200 in the present embodiment. The information system 200 includes one or more credit cards 1a and one or more store terminals 3. That is, for example, the information system 200 may be one in which the server device 2 is deleted from the information system 100 according to the first embodiment.

  The credit card 1a includes a storage unit 11a, a reception unit 12, a processing unit 13a, a transmission unit 14a, and a reception unit 15a. The storage unit 11a includes a credit card information storage unit 111, a registration information storage unit 112, and a period information storage unit 113. The processing unit 13a includes a settlement processing unit 131, a spot passage detection unit 132, an enabling unit 133a, an invalidating unit 134a, and a determining unit 135.

  The storage unit 11a constituting the credit card 1a can store various types of information. The various information includes, for example, credit card information, registration information, period information, and the like.

  The registration information storage unit 112 stores one piece of registration information. The period information storage unit 113 stores one period information.

  The processing unit 13a performs various processes. The various processes are, for example, processes such as the validation unit 133a, the invalidation unit 134a, and the determination unit 135.

  The validation unit 133a validates the settlement processing unit 131 when the passage of one or more spots registered in advance is detected.

  For example, when the determining unit 135 determines that the passage of one or more spots identified by the one or more spot identifiers included in the registration information including the card identifier is detected, the enabling unit 133a determines the settlement processing unit 131. It may be activated.

  The invalidation unit 134a invalidates the settlement processing unit 131 when the validation unit 133a validates the settlement processing unit 131 and then satisfies a condition related to a predetermined period.

  The invalidation unit 134a detects, for example, that any passage of one or more spots registered in advance is not detected even after a predetermined period has elapsed after the validation unit 133a validates the settlement processing unit 131. If the determination unit 135 determines, the payment processing unit 131 may be invalidated.

  The determination unit 135 determines whether or not passage of one or more spots identified by the one or more spot identifiers included in the registration information having the card identifier is detected.

  The determination unit 135 includes, for example, one or more spot identifiers stored in the storage unit 11a as a result of detection by the spot passage detection unit 132 and one or more spots included in the registration information stored in the registration information storage unit 112. For example, when all of one or more spot identifiers included in the registration information stored in the registration information storage unit 112 match one or more spot identifiers stored in the storage unit 11a. The passage of one or more registered spots may be detected. On the other hand, the determination unit 135 does not match one or more spot identifiers stored in the storage unit 11a or one of the one or more spot identifiers included in the registration information, or is not stored in the storage unit 11a. May determine that the passage of one or more registered spots is not detected.

  Further, the determination unit 135 determines whether or not passage of one or more spots is not detected even after a predetermined period has elapsed.

  For example, when the period corresponding to the period information stored in the period information storage unit 113 has elapsed, the determination unit 135 performs the same comparison as described above, and stores the registration stored in the registration information storage unit 112. If at least one of the one or more spot identifiers included in the information does not match one or more spot identifiers stored in the storage unit 11a or is not stored in the storage unit 11a, a predetermined period has elapsed. Alternatively, it may be determined that the passage of one or more spots is not detected.

  The transmission unit 14a transmits various types of information. The various information is, for example, settlement result information. For example, the transmission unit 14 a may transmit the settlement result information configured by the settlement processing unit 131 to the store terminal 3.

  The receiving unit 15a receives various types of information. Various types of information include, for example, spot identifiers and purchase information. The receiving unit 15a receives a spot identifier for identifying the spot from a short-range wireless communication device provided in one or more spots. Moreover, the receiving part 15a may receive purchase information from the shop terminal 3, for example.

  FIG. 8 is a flowchart for explaining the operation of the credit card 1a.

  (Step S801) The processing unit 13a and the like execute spot passage detection processing that is processing for detecting passage of a spot and accumulating spot identifiers and the like. The spot passage detection process will be described with reference to the flowchart of FIG.

  (Step S802) The determination unit 135 determines whether or not passage of one or more registered spots is detected. If the passage of one or more registered spots is detected, the process proceeds to step S803, and if not detected, the process proceeds to step S804.

  (Step S803) The validation unit 133a validates the settlement processing unit 131. Thereafter, the process returns to step S801.

  (Step S804) The determination unit 135 determines whether or not passage of one or more spots is not detected even after a predetermined period has elapsed. If passage of one or more spots is not detected even after the determined period has elapsed, the process proceeds to step S805, and if not, the process proceeds to step S806.

  (Step S805) The invalidation unit 134a invalidates the settlement processing unit 131. Thereafter, the process returns to step S801.

  (Step S806) The processing unit 13a determines whether or not the registration receiving unit 121 has received registration of one or more spots. When the registration receiving unit 121 receives registration of one or more spots, the process proceeds to step S807, and when not received, the process proceeds to step S808.

  (Step S807) The processing unit 13a accumulates registration information including one or more spot identifiers for identifying one or more registered spots in the registration information storage unit 112. Thereafter, the process returns to step S801.

  (Step S808) The processing unit 13a determines whether or not the period receiving unit 122 has received period information. If the period receiving unit 122 receives period information, the process proceeds to step S809. If not received, the process proceeds to step S810.

  (Step S809) The processing unit 13a accumulates the period information received by the period receiving unit 122 in the period information storage unit 113. Thereafter, the process returns to step S801.

  (Step S810) The processing unit 13a determines whether the receiving unit 12 has received a settlement instruction. If the accepting unit 12 accepts a settlement instruction, the process proceeds to step S811, and if not accepted, the process returns to step S801.

  (Step S811) The processing unit 13a determines whether or not the settlement processing unit 131 is valid. If the settlement processing unit 131 is valid, the process proceeds to step S812, and if it is invalid, the process proceeds to step S813.

  (Step S812) The settlement processing unit 131 executes processing for settlement. Thereafter, the process returns to step S801.

  (Step S813) The processing unit 13a outputs propriety information indicating that payment is not possible. Thereafter, the process returns to step S801.

  In the flowchart of FIG. 8, the process starts in response to the power-on of the credit card 1a or the activation of the program, and the process is terminated by power-off or a process end interrupt. However, the trigger for starting or ending the process does not matter.

  FIG. 9 is a flowchart illustrating the spot detection process in step S801.

  (Step S901) The processing unit 13a determines whether or not the spot passage detection unit 132 has detected passage of a spot. If the spot passage detection unit 132 detects passage of the spot, the process proceeds to step S902. If not detected, the process returns to the upper process.

  (Step S902) The spot passage detection unit 132 acquires the detection time.

  (Step S903) The processing unit 13a accumulates, in the storage unit 11a, the spot identifier for identifying the spot detected to pass in step S903, in combination with the detection time acquired in step S902. Thereafter, the process returns to the upper process.

  Hereinafter, a specific operation example of the information system 200 in the present embodiment will be described. The registration / period information 1 shown in FIG. 5 is stored in the registration information storage section 112 and the period information storage section 113 of one credit card 1X. The registration / period information 2 shown in FIG. 5 is stored in the registration information storage section 112 and the period information storage section 113 of another credit card 1Y.

  The main difference from the specific example of the first embodiment is only that the determination unit 135 of each credit card 1 performs the determination performed by the server determination unit 231 for each of two or more credit cards 1, and a detailed description will be given. Omitted.

  As described above, according to the present embodiment, the credit card 1a includes the credit card information storage unit 111 that stores the credit card information that is information related to the credit card, and the settlement that performs the processing for the settlement using the credit card information. The processing unit 131 is provided and can be used when it is detected that one or more pre-registered spots have been passed. Therefore, unauthorized use of a credit card can be suppressed.

  Further, since the credit card 1a is disabled by disabling the payment processing unit 131 when the conditions regarding a predetermined period are satisfied after the payment processing unit 131 is enabled, security is further increased. Can be increased.

  The credit card 1a accepts registration of one or more spots, acquires registration information having one or more spot identifiers for identifying one or more spots, and has passed one or more spots of the acquired registration information. By detecting this, the user can customize the combination of one or more spots, thereby further improving security.

  In addition, the credit card 1a accepts period information indicating a predetermined period, and when the condition related to the period indicated by the accepted period information is satisfied, the credit card 1a is disabled until the payment processing unit is disabled. The user can customize the period to balance security and convenience.

  Further, the credit card 1a includes a registration information storage unit 112 that stores registration information having one or more spot identifiers that identify one or more spots registered in advance, and includes one or more spot identifiers that the registration information has. When it is determined whether or not the passage of one or more spots identified is detected and it is determined that the passage of one or more spots identified by one or more spot identifiers included in the registration information is detected, the settlement process By enabling the unit 131, the credit card 1a itself manages the registration information of one or more spots and determines whether or not the credit card 1a can be used, so that security can be easily increased.

  Furthermore, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded and distributed on a recording medium such as a CD-ROM. This also applies to other embodiments in this specification. Note that the software that implements the information processing apparatus according to the present embodiment is the following program.

  That is, the recording medium accessible by the computer of the credit card 1a includes a credit card information storage unit 111 in which credit card information, which is information about the credit card, is stored. A payment processing unit 131 that performs a process for payment using a spot, a spot passage detection unit 132 that detects passage of one or more spots registered in advance, and the spot passage detection unit 1 that is registered in advance. This is a program for causing the settlement processing unit 131 to function as the validation unit 133a when the passage of the spot is detected.

  The recording medium further includes a registration information storage unit 112 in which registration information having one or more spot identifiers for identifying the one or more spots registered in advance is stored, and the program includes the computer, It further functions as a determination unit 135 that determines whether or not passage of one or more spots identified by one or more spot identifiers included in the registration information is detected, and the validation unit 133a includes 1 The program activates the settlement processing unit 131 when the determination unit 135 determines that the passage of one or more spots identified by the above spot identifiers is detected.

  FIG. 10 is a diagram illustrating an example of an internal configuration of a computer system 900 that executes the program according to each embodiment to realize the credit cards 1, 1a, and the like. In FIG. 10, a computer system 900 is connected to an MPU 911 which is a computer for executing a program, a ROM 912 for storing a program such as a bootup program, and the MPU 911, and temporarily stores an instruction of an application program. A RAM 913 that provides temporary storage space, a storage 914 that stores application programs, system programs, and data, a bus 915 that interconnects the MPU 911, the ROM 912, and the like, a communication module 916, a memory card slot 917, and a display 918 And a touch panel 919 provided on the display surface of the display 918. The storage 914 is, for example, a hard disk, SSD, flash memory, or the like. The communication module 961 is, for example, a short-range wireless communication module, a network interface controller, a modem, or the like. The computer system 900 preferably includes an input device such as a keyboard, a microphone, or a camera (not shown). The entire computer system 900 may be called a computer.

  A program that causes the computer system 900 to execute a function such as the credit card 1 may be stored in the memory card 920, inserted into the memory card slot 917, and transferred to the storage 914, for example. Alternatively, the program may be transmitted to the computer system 900 via the network and stored in the storage 914. The program is loaded into the RAM 913 when executed. The program may be loaded directly from the memory card 920 or a network or communication line.

  The program does not necessarily include an operating system (OS) that causes the computer system 900 to execute functions such as the credit card 1 or a third-party program. The program may include only a part of an instruction that calls an appropriate function or module in a controlled manner and obtains a desired result. How the computer system 900 operates is well known and will not be described in detail.

  The computer system 900 described above is an IC card or a portable terminal, and is suitable for realizing the credit card 1 or the like. However, the server device 2 or the store terminal 3 is realized by a server or a stationary PC, for example. Also good. In this case, for example, the touch panel 918 may be replaced with a keyboard and a mouse, the memory card slot 917 may be replaced with a disk drive, and the memory card 920 may be replaced with a disk. However, the above is an example, and the hardware configuration of a computer that realizes an in-vehicle device or the like is not limited.

  In the above program, in a transmission step for transmitting information, a reception step for receiving information, etc., processing performed by hardware, for example, processing performed by a modem or an interface card in the transmission step (only performed by hardware). Not included) is not included.

  Further, the computer that executes the program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

  Further, in each of the above embodiments, it goes without saying that two or more communication means (such as the transmission unit 14 and the reception unit 15) existing in one device may be physically realized by one medium.

  In each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be.

  In each of the above-described embodiments, the processing units 13 and 13a of the credit cards 1 and 1a include a pre-payment information storage unit (not shown) in which pre-payment information related to pre-payment processing performed before settlement is stored, and A pre-settlement processing unit (not shown) that performs pre-settlement processing using the pre-settlement information is provided, and the enabling units 133 and 133a are configured to detect the passage of one or more spots when the spot passage detection unit 132 detects passage of one or more spots. The pre-settlement processing unit may be activated.

  The pre-settlement process may be a process for generating a one-time password before settlement, for example. The pre-settlement information includes, for example, information indicating whether or not a credit card corresponding to the credit card information stored in the credit card information storage unit 111 requires a one-time password at the time of payment, or a condition for generating a one-time password Etc. may be included. Alternatively, the pre-settlement process may be, for example, performing authorization (authorization) before settlement. The authorization is a process of confirming the validity of the card, the available frame, etc. with the card company or receiving an approval number from the card company before making a payment with a credit card. The pre-settlement information may include, for example, information indicating whether or not the credit card requires authorization before settlement, conditions for performing authorization, and the like. However, the content of the pre-settlement process is not limited as long as it is a process performed before settlement.

  The condition for generating the one-time password and the condition for executing the authorization may be, for example, that the spot passage detecting unit 132 detects the passage of one or more spots registered in advance, and the settlement processing unit 131 is activated. The same conditions may be used.

  Further, when the spot passage detection unit 132 detects the passage of one or more spots registered in advance, for example, the validation units 133 and 133a further validate the pre-settlement processing unit in addition to the settlement processing unit 131. Alternatively, instead of the payment processing unit 131, a pre-payment processing unit may be validated. In the latter case, the settlement processing unit 131 may be activated at all times regardless of the passage of one or more spots registered in advance, and the validation units 133 and 133a are connected to the settlement processing unit 131. Activation is not necessarily performed.

  Such a credit card includes, for example, a pre-payment information storage unit that stores pre-payment information related to pre-payment processing performed before settlement, a pre-payment processing unit that performs pre-payment processing using the pre-payment information, A spot passage detection unit that detects passage of one or more spots registered in advance, and an activation that activates the settlement processing unit when the spot passage detection unit detects passage of the one or more spots And a credit card provided with a unit.

  Further, the processing as described above can be realized by software, and such software may be, for example, the following program. That is, a recording medium accessible by a credit card computer includes a pre-payment information storage unit that stores pre-payment information related to pre-payment processing performed before settlement, and the program stores the pre-payment information on the computer. A pre-settlement processing unit that performs pre-settlement processing using, a spot passage detection unit that detects passage of one or more spots registered in advance, and the spot passage detection unit detects passage of the one or more spots In this case, the program causes the payment processing unit to function as an enabling unit.

  The present invention is not limited to the above-described embodiments, and various modifications are possible, and it goes without saying that these are also included in the scope of the present invention.

  As described above, the credit card according to the present invention has an effect that security against theft or loss can be easily increased, and is useful as a credit card or the like.

DESCRIPTION OF SYMBOLS 1, 1a Credit card 2 Server apparatus 3 Store terminal 11, 11a Storage part 12 Reception part 13, 13a Processing part 14, 14a Transmission part 15, 15a Reception part 21 Server storage part 22 Server reception part 23 Server processing part 24 Server transmission part 31 store storage unit 32 store reception unit 33 store transmission unit 34 store reception unit 35 store output unit 100, 200 information system 111 credit card information storage unit 112 registration information storage unit 113 period information storage unit 121 registration reception unit 122 period reception unit 131 Settlement processing unit 132 Spot passage detection unit 133, 133a Validation unit 134, 134a Invalidation unit 135 Judgment unit 141 Spot identifier transmission unit 142 Registration information transmission unit 143 Period information transmission unit 151 Availability information reception unit 211 Server registration information storage unit 212 Server period information Information storage unit 221 Spot identifier reception unit 222 Registration information reception unit 223 Period information reception unit 231 Server determination unit 241 Availability information transmission unit

Claims (8)

A credit card information storage unit for storing credit card information which is information relating to the credit card;
A payment processing unit for performing processing for payment using the credit card information;
A spot passage detection unit that detects passage of one or more spots registered in advance;
A credit card comprising: an activation unit that activates the settlement processing unit when the spot passage detection unit detects passage of the one or more spots. The credit card according to claim 1, further comprising: an invalidating unit that invalidates the settlement processing unit when the validation unit satisfies a condition related to a predetermined period after the settlement processing unit is validated. A registration reception unit that receives registration of one or more spots and acquires registration information having one or more spot identifiers that identify the one or more spots;
The spot passage detection unit is
The credit card according to claim 1, wherein the credit card detects that the registration information acquired by the registration reception unit has passed one or more spots. A period reception unit that receives period information indicating the predetermined period;
The invalidation unit includes:
The credit card according to claim 2, wherein the payment processing unit is invalidated when a condition regarding a period indicated by the period information received by the period receiving unit is satisfied. A spot identifier transmission unit that transmits a spot identifier for identifying the spot to the server device when passage of the spot is detected;
A availability information receiving unit that receives availability information indicating availability of the credit card from the server device in response to transmission of the spot identifier by the spot identifier transmission unit;
The enabling unit includes:
The credit card according to any one of claims 1 to 4, wherein when the availability information receiving unit receives availability information indicating availability, the payment processing unit is validated. A registration information storage unit for storing registration information having one or more spot identifiers for identifying the one or more spots registered in advance;
A judgment unit for judging whether or not passage of one or more spots identified by the one or more spot identifiers included in the registration information is detected;
The enabling unit includes:
5. The payment processing unit is activated when the determination unit determines that passage of one or more spots identified by one or more spot identifiers included in the registration information is detected. The credit card according to one item. Credit card recording media
A credit card information storage unit for storing credit card information, which is information about the credit card,
An information processing method realized by a payment processing unit, a spot passage detection unit, and an activation unit included in the credit card,
A payment processing step in which the payment processing unit performs processing for payment using the credit card information;
A spot passage detection step for detecting that the spot passage detection unit has passed one or more spots registered in advance;
An information processing method comprising: an enabling step in which the validation unit validates the settlement processing unit when the spot passage detection unit detects passage of the one or more spots registered in advance. Recording media accessible by credit card computers are:
A credit card information storage unit for storing credit card information, which is information about the credit card,
The computer,
A payment processing unit for performing processing for payment using the credit card information;
A spot passage detection unit that detects passage of one or more spots registered in advance;
The program for functioning as an enabling part which validates the said payment process part, when the said spot passage detection part detects passage of the 1 or more spot registered previously.

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