JP3822359B2 - Blacklist data transmission method for authentication medium, verification method for verification medium, verification device, and authentication management device - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a blacklist data transmission method for an authentication medium. The present invention also relates to a method for collating an authentication medium using blacklist data transmitted by this method, a collation apparatus, and an authentication management apparatus that communicates with the collation apparatus. The authentication medium here is a credit card used for authentication in a credit transaction, a cash card read by an ATM (automated telling machine) of a bank or a financial operator, an electronic money transaction card, a personal authentication card, or the like. Including media for various uses.
[0002]
[Prior art]
For authentication in a credit transaction, identification (ID) information of the card is recorded in the credit card, and the store that performs the credit transaction uses a CAT (credit authorization terminal) for identification. Read the information and check whether the card can be used. In this verification, generally, CAT transmits information for inquiring identification information to a card issuing company. The issuing company has a blacklist database that lists identification information that identifies credit cards that are prohibited or restricted for use due to theft or loss, etc., and is based on the inquiry information sent. Thus, it is detected whether the identification information exists in the black list. If the identification information exists in the black list, the issuing company returns a message to that effect to the CAT. As a result, the operator of the CAT can know that the use of the card is prohibited or restricted, and stops transaction processing at the store.
[0003]
[Problems to be solved by the invention]
In this collation, communication for inquiring identification information from the CAT to the card issuing company is necessary, and a communication cost is required for the store. If the store has a black list database, it is possible to collate the cards at the store and save communication costs. Therefore, it is conceivable to regularly distribute black list data to each store from a card issuing company.
[0004]
However, for example, if blacklist data is individually distributed from a card issuing company to all stores using a wired network, the card issuing company requires a lot of time and communication costs. Therefore, since it is difficult to frequently distribute blacklist data, each store does not always have the latest blacklist data, and the accuracy of collation may be deteriorated.
[0005]
Accordingly, the present invention aims to provide a method capable of transmitting blacklist data of an authentication medium quickly and easily, and refers to blacklist data transmitted by this method, It is an object of the present invention to provide a method, a verification device, and an authentication management device for verifying an authentication medium that can quickly complete verification for an authentication medium whose use is prohibited or restricted.
[0006]
[Means for Solving the Problems]
In order to solve the above problem, a method of transmitting blacklist data of an authentication medium according to the present invention
A plurality of wireless reception terminal devices respectively corresponding to a plurality of verification devices for verifying the authentication medium from the wireless transmission station with blacklist data including identification information specifying the prohibited or restricted use of the authentication media It is characterized by being transmitted by radio in a broadcast manner.
According to this transmission method, blacklist data is broadcast from a wireless transmission station to a plurality of wireless reception terminal devices, so that transmission is easily performed and completed in a short time. In the verification device for verifying the authentication medium, the receiving terminal device is built in or connected to the verification device in advance, or the received blacklist data is received by connecting the receiving terminal device to the verification device after receiving the blacklist data. You can record and use the data for media verification. In the technology disclosed herein, the term “blacklist data” includes compressed, encrypted and converted data.
[0007]
A verification method for an authentication medium according to the present invention is implemented by a verification device corresponding to the wireless reception terminal device that has received the blacklist data transmitted wirelessly by the transmission method.
The blacklist data received by the wireless receiving terminal device is additionally recorded or updated in the recording means,
Read the identification information of the medium recorded on the authentication medium to be used, determine whether the identification information is included in the blacklist data recorded on the recording means,
The determination result is output.
According to this verification method, it is possible to quickly complete verification for an authentication medium whose use is prohibited or restricted by referring to the blacklist data additionally recorded or updated in the recording unit of the verification device. It is. In the above transmission method, black list data is transmitted quickly and easily, so that the frequency of transmission can be improved, and each collation device can update or append black list data frequently. It is possible to improve accuracy. Even if a single reception fails, it is considered that the accuracy of collation is not significantly inferior because the blacklist data previously recorded exists in the recording means.
[0008]
A verification device for an authentication medium according to the present invention is a verification device corresponding to the wireless reception terminal device that has received the blacklist data transmitted wirelessly by the transmission method,
Recording means for additionally recording or updating and recording blacklist data received by the wireless reception terminal device;
A reader for reading the identification information of the medium recorded on the authentication medium to be used;
And determining means for determining whether or not the identification information is included in the black list data recorded in the recording means, and outputting the determination result.
[0009]
As another example of the transmission method according to the present invention, in the transmission process, in addition to the wireless reception terminal device corresponding to the verification device, the wireless reception terminal device corresponding to the authentication management device capable of communicating with the verification device is described above. The black list data may be transmitted wirelessly in a broadcast manner.
According to this transmission method, not only the verification device for verifying the authentication medium but also the authentication management device capable of communicating with the verification device can record the blacklist data. Therefore, even if the wireless receiving terminal corresponding to the verification device fails to receive blacklist data, the wireless receiving terminal corresponding to the authentication management device may be successfully received.
[0010]
Therefore, as another example of the verification method of the authentication medium according to the present invention, when the verification device determines that the medium identification information is not included in the black list data recorded in its own recording means, the above authentication is performed. Send information requesting the verification of the identification information to the management device,
You may make it receive the information regarding the collation result of the said identification information from the said authentication management apparatus.
[0011]
In the authentication management device,
An authentication medium in which the blacklist data received by the wireless receiving terminal device corresponding to the authentication management device is additionally recorded or updated in a recording means provided in the authentication management device, and transmitted from any of the verification devices Receives information that requests verification of identity information for
Determining whether the blacklist data recorded in the recording means of the authentication management device includes the identification information;
You may implement the verification method of the authentication medium which transmits the information regarding the said judgment result to the said collation apparatus.
[0012]
In this way, even if the wireless receiving terminal corresponding to the verification device fails to receive blacklist data, verification accuracy is improved by requesting verification from the authentication management device.
[0013]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, various embodiments according to the present invention will be described with reference to the drawings.
1. First embodiment
1.1. Outline of communication system
FIG. 1 shows a basic configuration of a communication system, specifically a radio paging system, to which a blacklist data transmission method according to the present invention is applied. This radio paging system includes a central station 10 and a plurality of pager base stations 11 connected to the central station 10 via inter-station communication lines. The central office 10 is connected to a public switched telephone network (PSTN) 12, and a large number of push button telephones 13 and data processing / communication terminals 14 serving as transmitting devices are connected to the PSTN 12. The data processing / communication terminal 14 is, for example, a personal computer, a packet terminal, or an electronic mail terminal, and includes an input device such as a keyboard. A user can input and send numbers and messages using the input device.
[0014]
The pager base station 11 can transmit a radio signal in a radio service area in charge. Each wireless service area has a plurality of pagers (wireless call terminals, wireless receiving terminal devices) 15, and a radio signal transmitted from the pager base station 11 in charge of each service area is transmitted to all pagers in the service area. 15 is received.
[0015]
Each pager 15 includes a receiving antenna, a processor for processing a received radio signal, and a speaker. When the received radio signal designates its own terminal, a beep sound is emitted from the speaker. Each pager 15 includes a character generator and a display device such as a liquid crystal display device, converts a message code included in a wireless signal designating the terminal itself into message data, and displays a character message on the display device. Is possible. Each pager 15 is provided with a memory for storing message data.
[0016]
The user of the telephone set 13 can operate the push button to specify the calling number of the pager 15 to be contacted and to input a message code. The user of the data processing / communication terminal 14 can also operate the input device to specify the calling number of the pager 15 to be contacted and to input the message code.
[0017]
The central office 10 converts the calling number designated by the telephone set 13 and the data processing / communication terminal 14 as the transmitting device into an address code for identifying the pager in the wireless service area, and combines the address code and the message code. Make code. Further, the central station converts this code into an error correction code format to generate a selective call signal and sends the selective call signal to all pager base stations 11.
[0018]
The pager base station 11 converts the selective call signal into a radio signal. All pager base stations 11 transmit radio signals all at once. The pager 15 discriminates the address code included in the received radio signal, and when the address code designates itself, the pager 15 beeps with a speaker. Further, the pager 15 decodes the message code from the radio signal including the address code designating itself, and displays the character message on the display device.
[0019]
1.2. Send blacklist data
Some of the data processing / communication terminals 14 are provided in a credit card issuing company 16. In FIG. 1, the data processing / communication terminal provided in the issuing company 16 is denoted by reference numeral 14a. Each issuing company 16 is provided with a black list data database 17 including identification information that identifies a credit card managed by the company that is prohibited or restricted from being used. It can be accessed by the processing / communication terminal 14a. When the use of a certain credit card is prohibited or restricted due to reasons such as theft or loss, the card issuing company 16 adds the identification information of the card to the black list data.
[0020]
On the other hand, each store 18 that collates credit cards has a pager 15. In FIG. 1, the pager of the store 18 is denoted by reference numeral 15a. As will be described later, each pager 15a is connected to or connectable to a CAT 19 provided in the corresponding store 18.
[0021]
Under this wireless calling system, each card issuing company 16 can transmit black list data to the pagers 15a possessed by all stores 18. Specifically, each issuing company 16 reads the black list data stored in the database 17 by the data processing / communication terminal 14a, converts this black list data into a message code, and calls the pagers 15a of all stores 18 Specify a number. Then, the issuing company 16 transmits these pieces of information to the central office 10 via the PSTN 12.
[0022]
As a result, all the pager base stations 11 designate the pagers 15a of all the stores 18 and wirelessly transmit blacklist data all at once. The pager 15a of each store 18 stores the black list data included in the transmitted radio signal in the internal memory of the pager 15a. Further, the pager 15a beeps and displays on the display device that the blacklist data has been received so as to notify the operator of the store 18 of the reception.
[0023]
It is desirable that each card issuing company 16 transmits the black list data periodically or after adding black list data by itself. For this reason, an automatic transmission program is preferably installed in the data processing / communication terminal 14a. It is possible to transmit all of the black list data recorded in the database 17, but when the amount of data is large, only the black list data recorded in a predetermined period before transmission is transmitted. preferable.
[0024]
Further, in preparation for a reception error of the pager 15a, the same wireless signal is repeatedly transmitted from the pager base station 11 a predetermined number of times, but the same blacklist data is also transmitted from the data processing / communication terminal 14a of the card issuing company 16. May be repeatedly supplied to the central station 10.
[0025]
1.3. Credit card verification at stores
CAT19 which is a collation apparatus provided in each store 18 has the structure shown in FIG. As shown in the figure, the CAT 19 includes a card reader 21, a display 22, a printer 23, a processor 24, a keyboard 25, a database memory 26, a ROM (read-only memory) 27, and a mutually connected via a bus 20. A random access memory (RAM) 28 is provided.
[0026]
The processor 24 operates according to an operation program stored in the ROM 27, and controls components provided in the CAT 19 while using the RAM 28 as a work area. The card reader 21 reads the identification information of the card stored in the credit card to be used (having a code for identifying the issuing company of the card and a code for identifying the card). Send to bus 20.
[0027]
The amount of the margin transaction and the payment method are input to the keyboard 25 by the operator. The display 22 displays the amount of the margin transaction and the payment method input to the keyboard 25, and displays the result of card verification. When the printer 23 determines that the card can be used by checking the card, the printer 23 prints a statement describing the amount of the margin transaction and the payment method.
[0028]
The database memory 26 is, for example, a hard disk or an optical disk. In the database memory 26, the black list data supplied from the card issuing company 16 as described above is recorded, and this black list data is used for card verification.
[0029]
The identification information of the card sent from the card reader 21 is transferred to the RAM 28, and this identification information is temporarily stored for verification of the card. In addition, the RAM 28 temporarily stores transaction information related to the amount of a credit transaction and a payment method, and information on a card verification result for the operation of the printer 23 and the display 22.
[0030]
Under the above configuration, the processor 24 determines whether the credit card identification information output from the card reader 21 is included in the blacklist data in the database memory 26, and the processor 24 determines the determination result (verification result). The signal is output.
[0031]
In order to supply the blacklist data received by the pager 15 a to the database memory 26, the CAT 19 includes a pager interface 29 and a conversion unit 30 that are connected to each other. The interface 29 is connected to or connectable to a connector provided in the pager 15 a, while the conversion unit 30 is connected to the bus 20.
[0032]
The processor of the pager 15a automatically reads the received black list data from its own memory and transfers it to the CAT 19. When the pager 15a is connected to the CAT 19, as soon as the pager 15a receives the black list data, the processor of the pager 15a transfers the black list data to the CAT 19, and if the pager 15a is not connected, Immediately after connecting the black list data received at the time of connection, the processor of the pager 15 a transfers it to the CAT 19. At the time of this transfer, the conversion unit 30 converts the black list data into a format compatible with the CAT 19 and supplies it to the bus 20. In response to this, the processor 24 of the CAT 19 is notified that the black list data has been received. At the same time, it may be displayed on the display 22 that the message has been received.
[0033]
The supplied black list data is recorded in the database memory 26 by the processor 24. When all the black list data stored in the database 17 of the card issuing company 16 is transmitted from the data processing / communication terminal 14a, the black list data in the database memory 26 should be updated. . On the other hand, when a part of the black list data stored in the database 17 is transmitted from the data processing / communication terminal 14 a, the transmitted black list data is added to the database memory 26. Good.
[0034]
FIG. 3 is a flowchart showing the processing sequence of CAT19. As shown in FIG. 3, first, in step S1, it is determined whether the processor 24 is notified that the black list data has been received. If the determination result is "YES", the black list data is stored in the database memory 26. It is recorded (step S2), and the process proceeds to step S3. On the other hand, if the determination result of step S1 is “NO”, the process directly proceeds to step S3.
[0035]
In step S3, it is determined whether or not the credit card has been read by the card reader 21. If this determination is “NO”, the process returns to step S 1. On the other hand, if the decision result in the step S3 is “YES”, the process advances to a step S4 to determine whether or not the read identification information exists in the black list data in the database memory 26. If this determination is “YES”, the process proceeds to step S 5, and a message indicating that the transaction using the card is impossible is displayed on the display 22. Thereby, the operator of CAT19 can stop a transaction. Specifically, the trading partner is informed that the transaction is not received, and a command to end the transaction is input using the keyboard 25.
[0036]
Thereafter, when it is determined in step S6 that a transaction end command has been input, the process proceeds to step S7, and a transaction end process is performed. In the transaction ending process, for example, the display 22 is returned to the initial state, and information relating to the transaction (the transaction information relating to the card identification information and the amount and payment method of the credit transaction is input) is stored in the database memory 26. Is remembered. Thereafter, the process returns to step S1.
[0037]
On the other hand, if the determination result in step S4 is “NO”, the process proceeds to step S8, and displays on the display 22 that a transaction using the card is possible. Thereafter, if it is determined in step S9 that transaction information relating to the amount of the margin transaction and the payment method is input, the transaction statement is printed by the printer 23 in step S10 based on these information, Proceeding to S6, it is determined whether or not a transaction end command has been input.
[0038]
As described above, according to the transmission method according to this embodiment, the blacklist data is broadcasted from the pager base station 11 which is a wireless transmission station to the plurality of pagers 15a, so that transmission is easily performed. And complete in a short time. In the store 18 for collating the card, the black list data received by the pager 15a is recorded in the database memory 26 of the CAT 19, and the black list data is referred to so that a card whose use is prohibited or restricted can be quickly detected. It is possible to complete the verification.
[0039]
In the above transmission method, the black list data is transmitted quickly and easily, so the frequency of transmission can be improved, and each store 18 can frequently update or add the black list data. It is possible to improve accuracy. Even if the pager 15a fails to receive once, the database memory 26 contains the blacklist data previously recorded, so it is considered that the collation accuracy is not significantly inferior. Further, the pager base station 11 repeatedly transmits the data, and the data processing / communication terminal 14 of the card issuing company 16 repeatedly transmits, so that the certainty of reception is improved.
[0040]
2. Second embodiment
2.1. Communication system and configuration of components
FIG. 4 shows a communication system according to the second embodiment. This communication system includes an authentication management station 31 that can communicate with all stores 18 in the system in addition to the communication system of the first embodiment. In FIG. 4, the same components as those in FIG.
[0041]
In this embodiment, communication between the authentication management station 31 and the store 18 is performed using mobile phones provided in the authentication management station 31 and the store 18, respectively. The authentication management station 31 and the store 18 are in a cell handled by any one of the mobile phone base stations 32 shown in FIG. 4, and the mobile phone provided for each of them is a mobile phone base station in charge of the corresponding cell. 32 can transmit and receive information. The mobile phone base stations 32 can transmit and receive information via the mobile communication network 33. A detailed description of the internal structure of the mobile communication network 33 is omitted.
[0042]
The authentication management station 31 includes an authentication management device 35, and this authentication management device 35 is connected to the data processing / communication terminal 14 of all the card issuing companies 16 via the communication network 34.
[0043]
FIG. 5 shows the structure of the CAT 19 provided in the store 18 of this embodiment. In addition to the same structure as the CAT 19 of the first embodiment shown in FIG. 2, the CAT 19 includes a mobile phone interface 36 and a conversion unit 37 connected to each other. The interface 36 is connected to a connector provided on the mobile phone 38, while the conversion unit 37 is connected to the bus 20.
[0044]
Under such a configuration, as in the first embodiment, the CAT 19 of each store 18 can check the credit card to be used with reference to the black list data recorded in its own database memory 26. Further, the CAT 19 of each store 18 can inquire of the authentication management station 31 whether or not the credit card can be used. Specifically, the processor 24 converts the card identification information temporarily stored in the RAM 28 into a signal in a format suitable for transmission by the mobile phone 38 and sends it to the mobile phone 38 via the interface 36. In response to this, the cellular phone 38 calls the cellular phone 47 (see FIG. 6) of the authentication management station 31 and transmits inquiry information regarding the identification information to the cellular phone 47.
[0045]
Returning to FIG. 4, the authentication management station 31 possesses a pager denoted by reference numeral 15b. As will be described later, the pager 15 b is connected to the authentication management device 35.
[0046]
Similar to the first embodiment, in this embodiment, the black list data stored in the database 17 of the card issuing company 16 is read out by the data processing / communication terminal 14a. As a result, the black list data is stored in all the pagers. Radio transmission is performed from the base station 11. At the time of transmission, the issuing company 16 specifies not only the pagers 15a of all the stores 18 but also the call numbers of the pagers 15b of the authentication management station 31. Accordingly, not only the pager 15a but also the pager 15b receives the wireless signal including the black list data, and the pager 15b stores the black list data included in the wireless signal in the internal memory of the pager 15b.
[0047]
FIG. 6 shows the structure of the authentication management device 35 of the authentication management station 31. The authentication management device 35 includes a processor 41, a ROM 42, a RAM 43, and a database memory 44 that are connected to each other via a bus 40. The processor 41 operates in accordance with an operation program stored in the ROM 42, and controls the components provided in the authentication management station 31 while using the RAM 43 as a work area.
[0048]
The blacklist data supplied from the card issuing company 16 as described above is recorded in the database memory 44, and this blacklist data is used for collation of the card to be used in the store 18. In order to supply the black list data received by the pager 15 b to the database memory 44, the authentication management device 35 includes a pager interface 45 and a conversion unit 46 connected to each other. The interface 45 is connected to a connector provided in the pager 15 b, while the conversion unit 46 is connected to the bus 40.
[0049]
Similar to the transfer of the black list data from the pager 15a of the store 18 to the CAT 19, the processor of the pager 15b automatically reads the received black list data from its own memory and transfers it to the authentication management device 35. The list data is updated or additionally recorded in the database memory 44.
[0050]
The authentication management device 35 includes a mobile phone 47 that communicates with the mobile phone 38 of the store 18, and the mobile phone 47 is connected to the bus 40 via an interface 48 and a conversion unit 49. The inquiry information transmitted from the mobile phone 38 is received by the mobile phone 47, converted by the conversion unit 49, transferred to the RAM 43 through the bus 40, and temporarily stored. The processor 41 extracts the credit card identification information output from the card reader 21 of the store 18 from the inquiry information, and determines whether this identification information is included in the black list data in the database memory 44. If the determination result is affirmative, that is, if the card cannot be used, the collation result information is immediately returned to the mobile phone 38 of the store 18 by the mobile phone 47.
[0051]
The authentication management device 35 further includes a transmission / reception unit 50 that communicates with the data processing / communication terminal 14a (see FIG. 4) of the card issuing company 16 through the communication network 34. The transmission / reception unit 50 includes the interface 51 and the conversion unit. It is connected to the bus 40 via 52. If the blacklist data in the database memory 44 does not include identification information, the processor 41 further inquires the issuing company 16. In the issuing company 16, verification is performed in accordance with this, and the verification result information is returned to the authentication management device 35 through the communication network 34. The collation result information is transferred to the mobile phone 38 of the store 18 by the mobile phone 47.
[0052]
2.2. CAT processing sequence
FIG. 7 is a flowchart showing the processing sequence of CAT19. As shown in FIG. 7, first, in step Sa1, it is determined whether or not a notification signal indicating that the black list data has been received is supplied to the processor 24. If the determination result is "YES", the black list data is stored in the database. The data is recorded in the memory 26 (step Sa2), and the process proceeds to step Sa3. On the other hand, if the determination result of step Sa1 is “NO”, the process directly proceeds to step Sa3.
[0053]
In step Sa3, it is determined whether or not the credit card has been read by the card reader 21. If the determination result is “NO”, the process returns to Step Sa1. On the other hand, if the decision result in the step Sa3 is “YES”, the process advances to a step Sa4 to determine whether or not the read identification information exists in the black list data in the database memory 26. If the determination result is “YES”, the process proceeds to step Sa5 and displays on the display 22 that the transaction using the card is impossible. As a result, the operator of CAT 19 informs the other party that the transaction is not possible, and inputs a transaction end command using the keyboard 25.
[0054]
Thereafter, when it is determined in step Sa6 that a transaction end command has been input, the process proceeds to step Sa7, a transaction end process is performed as in the first embodiment, and then the process returns to step Sa1.
[0055]
On the other hand, if the determination result in step Sa4 is “NO”, the process proceeds to step Sa8, and the inquiry information is transmitted to the mobile phone 38 of the authentication management station 31 using the mobile phone 38. Thereafter, when verification result information is received from the authentication management station 31 in step Sa9, it is determined whether or not the verification result information indicates that the card cannot be used in step Sa10. If the determination result is “YES”, the process proceeds to step Sa5, and displays on the display 22 that the transaction is impossible.
[0056]
If the determination result in step Sa11 is “NO”, the process proceeds to step Sa11 and displays on the display 22 that the card can be traded. Thereafter, if it is determined in step Sa12 that transaction information regarding the amount of the margin transaction and the payment method has been input, a transaction statement is printed by the printer 23 in step Sa13 based on these information, and the process Proceeding to Sa6, it is determined whether or not a transaction end command has been input.
[0057]
2.3. Processing sequence of authentication management device 35
FIG. 8 is a flowchart showing a processing sequence of the authentication management apparatus 35. As shown in FIG. 8, first, in step Sb1, it is determined whether or not the processor 41 is notified that the black list data has been received. If the determination result is “YES”, the black list data is stored in the database memory 44. Recording is performed (step Sb2), and the process proceeds to step Sb3. On the other hand, if the determination result of step Sb1 is “NO”, the process directly proceeds to step Sb3.
[0058]
In step Sb3, it is determined whether inquiry information from the mobile phone 38 of any store 18 is received. If this determination is “NO”, the process returns to step Sb 1. On the other hand, if the determination result in step Sb3 is “YES”, the process proceeds to step Sb4, and it is determined whether or not the identification information extracted from the inquiry information exists in the blacklist data in the database memory 44. If the determination result is “YES”, the process proceeds to step Sb5, and verification result information indicating that the transaction using the card is impossible is returned to the mobile phone 38 of the store 18. As a result, the CAT 19 displays that the transaction is impossible on the display 22 (steps Sa10 and Sa5 in FIG. 7).
[0059]
On the other hand, if the determination result of step Sb4 is “NO”, the process proceeds to step Sb6. In step Sb6, the inquiry information is transmitted to the card issuing company 16 corresponding to the identification information by using the transmission / reception unit 50. In response to this, in the issuing company 16, the data processing / communication terminal 14 refers to the black list data (source data) stored in the database 17, and whether or not the identification information extracted from the inquiry information is included in the source data. The verification result information is transmitted to the authentication management device 35.
[0060]
Thereafter, when the authentication management apparatus 35 receives the verification result information from the issuing company 16 in step Sb7, in step Sb8 it is determined whether or not the verification result information indicates that the card cannot be used. If the determination result is “YES”, the process proceeds to step Sb5, and verification result information indicating that the transaction using the card is impossible is returned to the mobile phone 38 of the store 18. On the other hand, if the determination result in step Sb8 is “NO”, the process proceeds to step Sb9, and verification result information indicating that the transaction using the card is possible is returned. As a result, the CAT 19 displays that the transaction is possible on the display 22 (steps Sa10 and Sa11 in FIG. 7). After step Sb5 or Sb9, the process returns to step Sb1.
[0061]
As described above, according to the transmission method of this embodiment, not only the store 18 but also the authentication management station 31 that can communicate with the store 18 can record the blacklist data. Therefore, even if the pager 15a of the store 18 fails to receive the black list data, the pager 15b of the authentication management station 31 may be successfully received. Utilizing this fact, the store 18 not only performs collation by referring to the data in its own database memory 26 but also requests collation from the authentication management station 31, so that the collation accuracy is improved.
In the verification method according to this embodiment, the verification management station 31 and the issuing company 16 perform verification unless it is determined that the card cannot be used. Quickly complete verification for cards that are prohibited or restricted.
[0062]
3. Modification examples of the first and second embodiments
In the first and second embodiments described above, the black list data is automatically transferred from the pager 15a to the CAT 19 in each store 18, but if there is no operation at the CAT 19, the black list data is transferred from the pager 15a to the CAT 19. It may not be done. For example, the operator of the CAT 19 instructs to transfer the black list data stored in the pager 15 a to the database memory 26 using the keyboard 25. In response to this, the processor 24 of the CAT 19 transmits a blacklist data transfer request signal to the processor of the pager 15 a, whereby the processor of the pager 15 a reads the blacklist data from the internal memory of the pager 15 a and passes through the interface 29. Transfer to the converter 30.
In the first and second embodiments described above, the pager 15a similar to the normal pager 15 is connected to or connectable to the CAT 19 in each store 18, and the pager 15b similar to the normal pager 15 is connected to the authentication management station 31. Is connected to or connectable to the authentication management device 35, but a receiving terminal device having the same reception function as the pager may be provided in the CAT 19 and the authentication management device 35.
[0063]
In the second embodiment, the CAT 19 and the authentication management device 35 are connected to mobile phones 38 and 47 similar to ordinary mobile phones, but the communication terminal device having the same communication function as the mobile phones 38 and 47 is connected to the CAT 19 and You may provide in the authentication management apparatus 35. FIG.
In the second embodiment, a wired telephone connected to the PSTN 12 may be used for communication between the store 18 and the authentication management station 31 instead of the mobile telephones 38 and 47. Other communication means can also be employed.
In the second embodiment, the accuracy of verification is enhanced by a verification request to the authentication management station 31. Therefore, as a modification of this embodiment, the card issuing company 16 may not request verification. Good. In this modified example, the transmission / reception unit 50, the interface 51, and the conversion unit 52 shown in FIG. 6 are unnecessary.
[0064]
In the first embodiment and the second embodiment, the card issuing company 16 individually transmits its own black list data to the pager transmission central office 10, but the black list data of all the issuing companies 16 is temporarily stored in a certain database. Then, it is possible to read out from the database and perform wireless transmission. As an example of this change, FIG. 9 shows a communication system in which a list management station 60 is added to the system of the first embodiment. The list management station 60 is provided with a database denoted by reference numeral 17b and a data processing / communication terminal denoted by reference numeral 14b.
[0065]
In the system shown in FIG. 9, each issuing company 16 periodically adds its own black list data or sends its own black list data to the list management station 60 via the PSTN 12. In the list management station 60, when the data processing / communication terminal 14b receives the transmitted blacklist data, the list management station 60 appends the data to the database 17b. Further, the data processing / communication terminal 14b of the list management station 60 reads the black list data from the database 17b periodically or after adding black list data at its own station, and sends it to the central station 10 to send it to the pager base station. 11 for wireless transmission. In this modification, communication between the issuing company 16 and the list management station 60 is performed via the PSTN 12, but another communication network may be used instead of the PSTN 12.
[0066]
4). Third embodiment
FIG. 10 shows a communication system according to the third embodiment. In the first and second embodiments, black list data is transmitted from the pager base station 11, but in the third embodiment, black list data is transmitted simultaneously from the mobile phone base station 32. In FIG. 10, the same reference numerals are given to components common to FIG. 4.
[0067]
In the system shown in FIG. 10, each issuing company 16 regularly adds blacklist data by itself or sends it to the list management station 60 via the communication network 34. In the list management station 60, when the data processing / communication terminal 14b receives the transmitted blacklist data, the list management station 60 appends the data to the database 17b.
[0068]
The communication network 34 is connected to the mobile communication network 33 via the gateway 61, and a device connected to the communication network 33 and a device in charge of the communication network 34 can communicate with each other. Using this, the data processing / communication terminal 14b of the list management station 60 reads the blacklist data from the database 17b periodically or after adding the blacklist data at its own station, and transfers the blacklist data to the mobile phone. The data is transmitted to the base station 32 and transmitted from the mobile phone base station 32 by radio.
[0069]
In order to broadcast from the mobile phone base station 32 by radio, for example, a broadcast channel (BCCH) can be used. The broadcast channel is a one-way channel that transmits information from the mobile phone base station 32 to all mobile phones in the cell in charge. When transmitting the black list data, the list management station 60 transmits a signal serving as a trigger for transmitting the black list data from the mobile phone base station 32 using the broadcast channel. However, since the blacklist data is unnecessary for other mobile phones other than the mobile phone 38 (see FIG. 11) used in the store 18, the mobile phone base station 32 stores information specifying only the mobile phone 38 in the store 18 or Information that can identify blacklist data may be transmitted so that other mobile phones cannot use it even if blacklist data is received.
[0070]
FIG. 11 shows the structure of the CAT 19 according to the third embodiment. The structure of the CAT 19 in FIG. 11 is equivalent to a structure in which the pager 15a, the interface 29, and the conversion unit 30 are excluded from the CAT 19 according to the second embodiment shown in FIG. When the mobile phone 38 receives the black list data, the processor built in the mobile phone 38 automatically reads the received black list data from its own memory and transfers it to the bus 20. At the time of this transfer, the conversion unit 30 converts the black list data into a format compatible with CAT19.
[0071]
The supplied blacklist data is additionally recorded or updated in the database memory 26 by the processor 24, and used for credit card verification. The processing sequence of the CAT 19 in the third embodiment is the same as the processing sequence of the CAT 19 in the first embodiment shown in FIG.
[0072]
5). Modification example of the third embodiment
In the third embodiment, the black list data is automatically transferred from the mobile phone 38 to the CAT 19 in each store 18, but the operation in the CAT 19 is the same as the modified example of the first and second embodiments. If not, the black list data may not be transferred from the mobile phone 38 to the CAT 19.
The CAT 19 is connected to a mobile phone 38 similar to a normal mobile phone, but a communication terminal device having the same communication function as the mobile phone 38 may be provided in the CAT 19.
[0073]
In the third embodiment, the black list data is transmitted from the list management station 60 where the black list data is concentrated. Each card issuing company 16 individually transmits the black list data to the mobile phone base station 32. It may be transmitted in a broadcast manner.
[0074]
An authentication management station similar to the authentication management station 31 (see FIGS. 4 and 6) according to the second embodiment may be provided in the communication system according to the second embodiment. In this case, the pager 15 b is excluded from the authentication management station, and the blacklist data transmitted from the mobile phone base station 32 is received by the mobile phone 47. Then, by executing a processing sequence similar to the processing sequence of the second embodiment shown in FIGS. 7 and 8, not only is the card verified at each store 18, but verification is requested from the authentication management station 31. Therefore, the accuracy of matching is improved.
[0075]
6). Other changes
In the various embodiments described above, the blacklist data of the credit card used for authentication in the credit transaction is transmitted and the credit card is verified. However, the present invention is not limited to the above-described embodiment. Send blacklist data of cash cards, electronic money transaction cards, personal authentication cards, or similar media that can be read by a merchant's ATM (automated telling machine), and apply to verify these media May be.
[0076]
In addition, broadcast transmission of blacklist data is not limited to being performed from a pager or mobile phone base station, but broadcasted wirelessly from a TV or radio transmission station or a dedicated blacklist data transmission station. May be. In this case, not only terrestrial broadcasting but also satellite broadcasting may be used. When a TV or radio broadcasting station is used, blacklist data is not necessary for other receiving terminal devices other than the wireless receiving terminal device used in the store 18 and the authentication management station 31, and therefore the transmitting station can store the store 18 or the authentication station. When the information specifying only the management station 31 or the information identifying the black list data is transmitted and the information is received, the wireless reception terminal device used in the store 18 and the authentication management station 31 receives the received black list data. It is preferable that other receiving terminal devices cannot use the blacklist data even if it is received.
[0077]
As is well known, a television broadcast station transmits radio waves related to video signals and radio signals related to audio signals. There is also text broadcasting in which a character signal is superimposed (multiplexed) on a video signal and transmitted from a broadcasting station. In the case of teletext, the television receiver can extract the text signal from the video signal and display only the text on the screen. Similarly, only the wireless reception terminal device used in the store 18 and the authentication management station 31 among the wireless reception terminal devices that are transmitted from the broadcast station by superimposing the blacklist data signal on the video signal, The black list data signal may be extracted from the video signal, and the black list data may be stored in the corresponding database memory.
[0078]
【The invention's effect】
As described above, according to the present invention, the blacklist data of the authentication medium can be transmitted quickly and easily, and the use is prohibited or restricted by referring to the blacklist data transmitted by this method. The verification can be quickly completed for the authenticated authentication medium.
[Brief description of the drawings]
FIG. 1 is a schematic block diagram showing a communication system according to a first embodiment of the present invention.
FIG. 2 is a block diagram showing a structure of a CAT that is a store verification device in the communication system according to the first embodiment.
FIG. 3 is a flowchart showing a CAT processing sequence according to the first embodiment.
FIG. 4 is a schematic block diagram showing a communication system according to a second embodiment of the present invention.
FIG. 5 is a block diagram showing a structure of a CAT according to a second embodiment.
FIG. 6 is a block diagram showing a structure of an authentication management device of an authentication management station in the communication system according to the second embodiment.
FIG. 7 is a flowchart showing a CAT processing sequence according to the second embodiment.
FIG. 8 is a flowchart showing a processing sequence of the authentication management apparatus according to the second embodiment.
FIG. 9 is a schematic block diagram showing a communication system according to a modification of the first embodiment.
FIG. 10 is a schematic block diagram showing a communication system according to a third embodiment of the present invention.
FIG. 11 is a block diagram showing the structure of a CAT according to a third embodiment.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 ... Central office, 11 ... Pager base station, 12 ... Public switched telephone network (PSTN), 14a, 14b ... Data processing and communication terminal, 15a, 15b ... Pager, 16 ... Card issuing company, 17, 17b ... Database, 18 ... Store, 19 ... CAT, 24 ... Processor, 26 ... Database memory, 31 ... Authentication management station, 32 ... Mobile phone base station, 35 ... Authentication management device, 38 ... Mobile phone, 41 ... Processor, 44 ... Database memory, 47 ... mobile phone, 60 ... list management station

Claims (2)

Broadcasts blacklist data including identification information that identifies prohibited or restricted use of authentication media to a plurality of wireless reception terminal devices respectively corresponding to a plurality of verification devices that verify the authentication media The black list data is received from a radio base station that broadcasts the black list data to the radio receiving terminal device corresponding to the authentication management device capable of communicating with the verification device . An authentication medium verification method implemented by a verification device corresponding to the wireless reception terminal device,
The blacklist data received by the wireless receiving terminal device corresponding to the verification device is additionally recorded or updated in the recording means provided in the verification device,
Read the identification information of the medium recorded on the authentication medium to be used,
Determining whether the blacklist data recorded in the recording means includes the identification information;
When it is determined that the identification information is included in the black list data, the determination result is output,
When it is determined that the identification information is not included in the black list data, the information for requesting the identification information to be verified is transmitted to the authentication management device,
An authentication medium verification method, comprising: receiving information related to the verification result of the identification information from the authentication management device. Broadcasts blacklist data including identification information that identifies prohibited or restricted use of authentication media to a plurality of wireless receiving terminal devices respectively corresponding to a plurality of verification devices that verify the authentication media The black list data is received from a radio base station that broadcasts the black list data to the wireless receiving terminal device corresponding to the authentication management device capable of communicating with the verification device . A verification device for an authentication medium corresponding to the wireless reception terminal device,
Recording means for adding or updating the black list data received by the wireless reception terminal device corresponding to the verification device;
A reader for reading the identification information of the medium recorded on the authentication medium to be used;
Determining means for determining whether the black list data recorded in the recording means and the identification information of the medium are included, and outputting the determination result;
A transmission means for transmitting a signal requesting the verification of the identification information to the authentication management device when the determination means determines that the identification information is not included in the blacklist data;
And a receiving means for receiving a signal related to the verification result of the identification information from the authentication management apparatus.

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