JP2603958B2 - Transaction confirmation method - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Purpose of the Invention] (Industrial application field) The present invention relates to a method for confirming a transaction in a financial transaction system such as a credit system or a cashless shopping system using a portable electronic device, a so-called IC card. About.

(Prior Art) Recently, a credit system for performing settlement using a credit card has been widely used due to its advantages such as convenience and security. In such a credit system, emboss information (customer information) embossed and printed on the surface of a credit card is usually copied to a transaction voucher by an emboss imprinter or the like at a retail store's accounting office to provide evidence of commercial transactions. The system will be automatically paid at a later date from the customer's bank account.

Now, in such a credit system, forgery of a transaction card is prevented by imprinting imprint information to prevent counterfeiting of a transaction slip, and a store clerk visually checks a credit card, which is a transaction medium, to prevent counterfeiting. In some cases, a magnetic stripe is provided on a credit card, and counterfeiting is prevented by checking the information of the magnetic stripe with the password of the card owner. However, it is difficult to install a terminal device for reading a magnetic stripe in all retail stores, and most of the devices are based on imprint information imprinting. In some cases, there is no embossed imprinter, and a transaction slip is created by entry by a clerk. Therefore, forgery of credit cards (forgery of transaction media) by cardholders and forgery of transaction slips by clerks are inherent in the credit system,
It was difficult to determine whether a transaction voucher was legitimate.

(Problems to be Solved by the Invention) The present invention has been made to solve the problem that not only the forgery of the transaction medium but also the forgery of the transaction slip is a major problem as described above. An object of the present invention is to provide a transaction confirmation method that can easily confirm the validity of a transaction slip and can drastically reduce damage caused by forgery of a transaction medium and a transaction slip.

[Structure of the Invention] (Means for Solving the Problems) A transaction confirmation method according to the present invention is a transaction confirmation method in a transaction system using a portable electronic device and a terminal device, wherein the portable electronic device is the transaction system. First unique data common to the portable electronic device and a second unique data unique to the portable electronic device.
A storage unit for storing fixed data, wherein the portable electronic device generates a first transaction code uniquely determined by a predetermined algorithm based on the transaction data and the first unique data; The portable electronic device generates a second transaction code uniquely determined by a predetermined algorithm based on the transaction data and the second unique data, and generates the first transaction code generated by the portable electronic device.
A transaction code and a second transaction code are output to the terminal device, wherein the terminal device has first unique data common to the transaction system, and the terminal device has the transaction data and the first unique data. And generating a first transaction code uniquely determined by a predetermined algorithm, collating the first transaction code generated by the terminal device with the first transaction code generated by the portable electronic device, If the two codes match as a result of the comparison, the first transaction code and the second transaction code are recorded in a transaction slip.

(Operation) According to the present invention, the first transaction code is generated by the first unique data common to the transaction system held by the terminal device, and the first transaction code is generated by the portable electronic device held by the portable electronic device. A second transaction code is generated based on the second unique data of the electronic device, a first transaction code is generated based on the first unique data held in the terminal device, and the first transaction code generated by the terminal device and the portable electronic device are generated. When the first transaction code generated by the device matches, the first transaction code and the second
By recording the transaction code and the transaction slip, it is possible to confirm whether or not a transaction has been made with a legitimate portable electronic device, and to confirm whether or not the terminal device is a legitimate one. It is possible to confirm whether the transaction slip is legitimate or forged.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

FIG. 4 shows the appearance of a multifunctional IC card used as a credit card, for example, as an example of a portable electronic device according to the present invention. That is, reference numeral 1 denotes a card body, which is made of, for example, a rectangular thin plastic plate. A contact portion 3 electrically connected to an integrated circuit (IC) 2 embedded in the card body 1 for electrically communicating with a terminal device described later, There is provided a liquid crystal display (display means) 4 for displaying information and the like, and a keyboard (input means) 5 for data input. The keyboard 5 is provided with ten keys, function keys, and the like. A crystal oscillator 6 and a power supply battery 7 are embedded in the card body 1. It should be noted that emboss information (not shown) serving as customer information is printed on a predetermined portion of the back surface of the card body 1 by embossing.

FIG. 5 shows a circuit configuration of the above-mentioned IC card. That is, a control element (control section) 11 such as a CPU is responsible for overall control. The control element 11 is connected to the contact section 3, the liquid crystal display section 4 and the keyboard 5, and stores data. A data memory (storage means) 12 composed of an erasable nonvolatile memory such as an EEPROM, a program memory 13 composed of a mask ROM or the like for storing a control program of the control element 11 and a clock circuit 14 are connected. Control element 1
1, a data memory 12, a program memory 13, and a clock circuit 14 are formed as one integrated circuit (or a plurality of chips) as an integrated circuit 2. The integrated circuit 2 is supplied with operating power by a battery 7. I have. The data memory 12 stores, for example, transaction account information, transaction information, a system common code (first unique data), an issuer unique code (second unique data), and the like. The system common code is fixed and common throughout the system. The issuer-specific code is different for each IC card, and is set by the IC card issuer. Also, the clock circuit 14
Generates date and time information by counting the reference clock output from the crystal oscillator 6.

FIG. 6 shows the appearance of a terminal device that handles the above-mentioned IC card. The terminal device is installed in a retail store, and includes a main body 21 and an operation unit 21. The main body 21 is provided with a card insertion slot 23, and can be connected to the contact portion 3 of the IC card inserted therein to allow electrical communication. The operation unit 22 includes a keyboard 24 and a liquid crystal display
25 is provided, and data is integrated using the keyboard 24
It is possible to fill in the card.

Next, a case where shopping is performed using the present IC card in such a configuration will be described with reference to FIG. 1 and FIG. First, the card holder presents the IC card to the clerk at the retail store. The clerk receives the IC card, and imprints the emboss information on the IC card into the emboss imprint unit 31 of the transaction slip P using an emboss imprinter. If there is no emboss imprinter, the card number is entered in the emboss imprint unit 31 of the transaction slip P. Next, the clerk returns the IC card to the card holder, and enters the purchase amount and the date of purchase, which are transaction data, in the corresponding entry boxes 32 and 33 of the transaction slip P. The card holder enters a personal identification number using the keyboard 5, and sets the shopping mode. Next, the cardholder inputs the purchase amount and the purchase date using the keyboard 5. Then, the IC card generates a transaction code (output data) uniquely determined based on the input data, and displays the generated transaction code on the liquid crystal display unit 4.

The generation of the transaction code is performed according to the procedure shown in FIG. That is, for example, if the transaction code is 10 digits, the upper 5 digits are transaction code A, and the lower 5 digits are transaction code B. When the shopping price and the shopping date are input from the keyboard 5, the control element 11 performs a transaction uniquely determined by a predetermined algorithm f based on the input data and the system common code stored in the data memory 12. A code A is generated, and a transaction code B uniquely determined by the algorithm f is generated based on the input data and the issuer unique code stored in the data memory 12. The transaction codes A and B generated in this way are displayed on the liquid crystal display unit 4 as 10-digit transaction codes.

Next, the cardholder is shown the transaction code
Present the IC card to the clerk. The clerk receives the IC card and sets it on the terminal device. Here, the terminal device has the same system common code and algorithm f as those described above, and has a function of generating only the transaction code A. Then, the clerk inputs the purchase amount and the date of purchase from the keyboard 24 of the terminal device, and the terminal device generates the transaction code A through the same processing procedure as described above. Next, the terminal device reads the transaction code A generated by the IC card from the IC card, compares it with the transaction code A generated by itself, and displays only the comparison result on the liquid crystal display unit 25. For example, if the collation results match, a circle is displayed, and if they do not match, a cross is displayed. Thus, the clerk can determine whether the transaction code generated by the IC card is correct. The transaction code A is a code for the clerk to confirm the validity of the IC card, and the transaction code B is a code for the card issuer to confirm the validity of the transaction slip. In this way, by using two secret codes (system common code and issuer specific card), fraudulent transaction slips and IC
Card fraud can be prevented.

If a circle is displayed on the liquid crystal display 25 of the terminal device, the clerk removes the IC card from the terminal device,
Is entered in the corresponding entry box 34 of the transaction slip P, and the transaction slip P is handed to the card holder together with the IC card. The card holder must sign the transaction slip P orchid 35
Fill in your name and return the transaction slip P to the clerk.

With the above series of procedures, the shopping procedure ends. According to this procedure, even in a retail store where there is no online terminal device, fraudulent transaction slips cannot be performed by a clerk, and fraudulence of an IC card by a cardholder can be prevented.

[Effects of the Invention] As described above in detail, according to the present invention, it is possible to provide a transaction confirmation method capable of easily confirming the validity of a transaction medium and a transaction voucher and drastically reducing damage caused by forgery of the transaction medium and the transaction voucher.

[Brief description of the drawings]

1 is a diagram for explaining an embodiment of the present invention, FIG. 1 is a diagram showing a procedure for generating a transaction code, FIG. 2 is a diagram showing a procedure for shopping, and FIG. 3 is an example of a transaction slip. Figure,
FIG. 4 is a perspective view showing the appearance of the IC card, FIG. 5 is a block diagram showing the circuit configuration of the IC card, and FIG. 6 is a perspective view showing the appearance of the terminal device. 2 ... integrated circuit, 4 ... liquid crystal display unit, 5 ... keyboard (input means), 11 ... control element, 12 ... data memory (storage means), P ... transaction slip.

Claims (1)

(57) [Claims] 1. A transaction confirmation method in a transaction system using a portable electronic device and a terminal device, wherein the portable electronic device is a first common transaction system.
Storage means for storing unique data and second unique data unique to the portable electronic device, wherein the portable electronic device is uniquely determined by a predetermined algorithm based on the transaction data and the first unique data. Generating a first transaction code; and further comprising the portable electronic device communicating the transaction data with the second transaction code.
Based on the unique data, a second transaction code uniquely determined by a predetermined algorithm is generated, and the first transaction code and the second transaction code generated by the portable electronic device are generated.
A transaction code is output to the terminal device, wherein the terminal device has first unique data common to the transaction system, and the terminal device uses the transaction data and the first unique data in advance based on the transaction data and the first unique data. A first transaction code uniquely determined by a predetermined algorithm is generated, and the first transaction code generated by the terminal device is compared with the first transaction code generated by the portable electronic device. As a result of the comparison, A transaction confirmation method, wherein when the two codes match, the first transaction code and the second transaction code are recorded in a transaction slip.