JP5097592B2 - Card processing system, card processing method, and card processing program - Google Patents

Description

  The present invention relates to a card processing system, a card processing method, and a card processing program for performing user authentication processing and payment processing using an IC card.

  Traditionally, sales products are introduced through TV broadcasts or catalogs that have been sent in advance, and when purchasing products that you like by looking at these broadcasts and catalogs, the purchase requester calls the dealer's call center. There is known telephone shopping for selling products by telling them to purchase products. This is a very convenient product purchase method because the product purchaser can place an order for the product without going to the store where the product is sold and can receive the purchased product at home.

  On the other hand, in recent years, the Internet has spread and shopping via the Internet has also increased. Shopping on the Internet can be performed easily because an ordered product is delivered by selecting a product to be purchased on the screen of a personal computer connected to the Internet and performing an order process.

Note that a system described in Patent Document 1 is known as a system that charges for service charges using an IP phone. This is to collect billing information based on the billing conditions and bill the billing destination when billing for goods etc. on the IP telephone network.
JP 2005-033409 A

  By the way, when you use a credit card for telephone shopping and Internet shopping payments, the credit card number is specified verbally by phone or by entering the credit card number on the computer screen. There is a possibility that the credit card number is known to the merchandise dealer and misused. In particular, in recent years, there is a problem in that it is difficult to prevent unauthorized use in the above-mentioned credit card identification method even though the credit card has an IC card embedded in the credit card and is difficult to perform unauthorized use. . In addition, a person who has illegally obtained another person's credit card number can easily impersonate, and there is a possibility that an illegal product purchase may be performed, which poses a security problem.

  The present invention has been made in view of such circumstances, and a card processing system, a card processing method, and a card that can safely perform user authentication processing and settlement processing by utilizing the characteristics of an IC card. An object is to provide a processing program.

  The present invention provides information acquisition means for acquiring identification information of a caller terminal established through a network and a network connection device to which the caller terminal is connected based on the identification information of the caller terminal. A communication line establishing means for obtaining network identification information; a communication line establishing means for establishing a communication line between an IC card reader connected to a network connection device specified by the network identification information; and the communication line Control information transmitting means for transmitting control information to the IC card reader established by the IC card, and receiving the IC card information read by the IC card reader transmitting the control information from the IC card reader, And card processing execution means for executing processing.

  The present invention relates to information acquisition means for acquiring identification information of a caller terminal and caller telephone number information established through a network, and the caller terminal is connected based on the identification information of the caller terminal. A network identification information acquisition unit that acquires network identification information of a network connection device to be connected and an IC card reader connected to the network connection device specified by the network identification information. Communication is newly established between the communication line establishment means, the control information transmission means for transmitting control information to the IC card reader established by the communication line, and the caller terminal based on the caller telephone number. Information input by operation at the caller terminal via the second communication line establishment means for establishing a line and the newly established communication line The IC card information read by the IC card reader that has transmitted the control information and the operation information receiving means that receives the control information is received from the IC card reader. And card processing execution means for executing card processing.

  The present invention further includes payment information receiving means for receiving payment processing information from the outside, and the predetermined card processing is payment processing based on the payment processing information.

  The present invention provides an information acquisition step of acquiring identification information of a caller terminal established through a network and a network connection device to which the caller terminal is connected based on the identification information of the caller terminal. A network identification information acquisition step for acquiring network identification information; a communication line establishment step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information; and the communication line A control information transmitting step for transmitting control information to the IC card reader established by the IC card, and receiving the IC card information read by the IC card reader that has transmitted the control information from the IC card reader. And a card processing execution step for executing processing.

  The present invention provides an information acquisition step of acquiring identification information of a caller terminal and caller telephone number information established through a network, and the caller terminal is connected based on the identification information of the caller terminal. A network identification information acquisition step of acquiring network identification information of the network connection device to be established and a first communication circuit establishing a communication line between the IC card reader connected to the network connection device specified by the network identification information Communication is newly established between the caller terminal based on the caller telephone number based on the caller telephone number, the control information sending step for sending control information to the IC card reader established by the communication line, and the caller telephone number. A second communication line establishment step for establishing a line, and the caller terminal via the newly established communication line. An operation information receiving step for receiving operation input information, and IC card information read by the IC card reader that has transmitted the control information is received from the IC card reader, and the IC card information and the operation input information are received. And a card processing execution step for executing a predetermined card processing based on the above.

  The present invention further includes a payment information receiving step of receiving payment processing information from the outside, wherein the predetermined card processing is a payment processing based on the payment processing information.

  The present invention provides an information acquisition step of acquiring identification information of a caller terminal established through a network and a network connection device to which the caller terminal is connected based on the identification information of the caller terminal. A network identification information acquisition step for acquiring network identification information; a communication line establishment step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information; and the communication line A control information transmitting step for transmitting control information to the IC card reader established by the IC card, and receiving the IC card information read by the IC card reader that has transmitted the control information from the IC card reader. And causing the computer to execute a card processing execution step for executing processing. And butterflies.

  The present invention provides an information acquisition step of acquiring identification information of a caller terminal and caller telephone number information established through a network, and the caller terminal is connected based on the identification information of the caller terminal. A network identification information acquisition step of acquiring network identification information of the network connection device to be established and a first communication circuit establishing a communication line between the IC card reader connected to the network connection device specified by the network identification information Communication is newly established between the caller terminal based on the caller telephone number based on the caller telephone number, the control information sending step for sending control information to the IC card reader established by the communication line, and the caller telephone number. A second communication line establishment step for establishing a line, and the caller terminal via the newly established communication line. An operation information receiving step for receiving operation input information, and IC card information read by the IC card reader that has transmitted the control information is received from the IC card reader, and the IC card information and the operation input information are received. And a card processing execution step for executing a predetermined card processing based on the above.

  According to the present invention, since the credit card number recorded in the IC card is read by the IC card reader connected to the network connection device to which the caller terminal during the call is connected, spoofing is prevented. This makes it possible to safely perform card payment processing and the like when shopping with a credit card. In addition, since the card payment processing can be performed without verbally conveying the credit card number or the like, the leakage of the credit card number can be prevented. In addition, since the personal identification number is input from the caller terminal during a call, the authentication process using the personal identification number can be executed safely and reliably. Further, the cooperation of the caller terminal and the card reader can provide an effect that the card reader can be realized without providing a button for inputting a password or the like.

  Hereinafter, a card processing system according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the embodiment. In this figure, reference numeral 1 denotes a user's house, and here, description will be made on the assumption that a resident (user) of this house purchases a product. Reference numeral 2 denotes a service company that provides a product sales service that the user intends to purchase. Reference numeral 3 denotes a SIP server that implements an Internet Protocol telephone (hereinafter referred to as an IP telephone) using SIP (Session Initiation Protocol). Reference numeral 4 denotes a relay server that executes card processing safely in cooperation with an IP telephone. Reference numeral 5 denotes a payment server that executes a payment process using a credit card.

  Reference numeral 11 is a router installed in the user's home 1 and connected to the Internet 6. Reference numeral 12 denotes a telephone connected to the router 11 and realizing an IP telephone. Reference numeral 13 denotes a card reader / writer connected to the router 11 to which the telephone 12 is connected. The card reader / writer reads the credit card number recorded in the IC cards 14 and 15 and writes necessary information in the IC card. . The IC card 14 is, for example, a non-contact type IC card, and is an IC card for performing personal authentication composed of a license, a membership card, a cigarette card, a student card, and the like. The IC card 15 is a credit card or an electronic money card and is an IC card for performing settlement. Reference numeral 21 denotes a router installed in the service company 2 and connected to the Internet 6. Reference numeral 22 is a telephone connected to the router 21 to realize an IP telephone. Reference numeral 23 denotes a product sales server that is connected to the router 21 and performs product sales processing.

  Next, referring to FIG. 2, when telephone shopping is performed with reference to the catalog by the card processing system shown in FIG. 1, payment is performed using a credit card with an IC card owned by the purchaser for settlement. The processing operation will be described. FIG. 2 is a sequence diagram showing the operation of the card processing system when performing catalog shopping.

  First, the user refers to a catalog sent in advance, selects a product to be purchased, and then calls the call center of a service company that sells the product using the telephone 12 (steps S1 and S2). ). In response to this call, the SIP server 3 connects a telephone line with the telephone 22 of the service company (step S3). When a call is received at the telephone set 22, a call can be made between the telephone set 12 and the telephone set 22. Here, the person in charge at the call center hears information for specifying the product that the user intends to purchase (step S4). At this time, the merchandise sales server 23 receives the URI (Uniform Resource Identifier) of the telephone 12 that has made the call from the SIP server 3 (step S5).

  Then, the person in charge of the call center sets the transaction information by inputting the transaction information (purchase price, etc.) of the purchased product to the product sales server 23 (step S6). In response to this, the merchandise sales server 23 transmits the settlement information based on the set transaction information and the previously received URI information to the relay server 4 (step S7). The relay server 4 inquires of the SIP server 3 about the IP address corresponding to the URI information received from the merchandise sales server 23 (step S8). In response to this inquiry, the SIP server 3 notifies the relay server 4 of the IP address (IP address corresponding to the URI) of the router 11 to which the telephone 12 currently in communication is connected (step S9). The relay server 4 designates the IP address notified from the SIP server 3 and establishes a communication line with the card reader / writer 13 connected to the router 11 having this IP address (step S10). When a communication line is established with the relay server 4, the card reader / writer 13 turns on a lamp provided inside (step S11). The lighting of this lamp corresponds to a message instructing the user to hold an appropriate IC card.

  Next, the relay server 4 issues a settlement processing command to the card reader / writer 13 (step S12). Here, the user holds the IC card 15 owned by the user over the card reader / writer 13 (step S13). In response to this, the card reader / writer 13 reads information recorded on the IC card 15 and performs a settlement process (step S14). The relay server 4 receives the result of the settlement process, and transfers the received settlement process result information to the settlement server 5. This completes the payment process. When the settlement process ends, the relay server 4 notifies the merchandise sales server 23 to that effect. Upon receiving this notification, the merchandise sales server 23 displays on the call center terminal that the payment processing has been completed normally. The call center counterpart who sees this display notifies the user that the settlement processing has been completed via the telephone 22. As a result, the catalog shopping process is completed, and the telephone lines 22 and 12 are disconnected.

  As described above, since the card reader / writer 13 connected to the router 11 to which the telephone 12 during a call is connected reads out the credit card number or the like recorded in the IC card 15, impersonation can be prevented. This makes it possible to safely perform a card payment process when shopping with a credit card. In addition, since the card payment processing can be performed without verbally conveying the credit card number or the like, the leakage of the credit card number can be prevented.

  Next, referring to FIG. 3, when telephone shopping is performed with reference to the catalog by the card processing system shown in FIG. 1, payment is performed using a credit card with an IC card owned by the purchaser for settlement. The operation for obtaining and processing the card PIN code will be described. FIG. 3 is a sequence diagram showing the operation of the card processing system with the operation of acquiring the card PIN when performing catalog shopping.

  First, after referring to a catalog sent in advance and selecting a product to be purchased, the user calls the call center of a service company that sells the product using the telephone 12 (steps S21 and S22). ). In response to this call, the SIP server 3 connects a telephone line with the telephone 22 of the service company (step S23). When a call is received at the telephone set 22, a call can be made between the telephone set 12 and the telephone set 22. Here, the person in charge of the call center listens to information for specifying the product that the user intends to purchase. At this time, the merchandise sales server 23 receives the URI (Uniform Resource Identifier) of the telephone 12 that has called and the calling telephone number from the SIP server 3 (steps S24 and S25).

Then, the person in charge of the call center sets the transaction information by inputting the transaction information (purchase price, etc.) of the purchased product to the product sales server 23 (step S26). In response to this, product sales server 23, transmits the URI information and outgoing phone number information previously received and payment information (settlement price, etc.) based on the set transaction information to the relay server 4 (step S 2 7 ). In response, the relay server 4 issues a call to the received calling telephone number (step S28). At this point, since the telephone 12 is in a call with the telephone 22, the call waiting function (a function for answering another incoming call received during the call) is used to answer the incoming call. (Step S29).

  On the other hand, the relay server 4 inquires of the SIP server 3 about the IP address corresponding to the URI information received from the merchandise sales server 23 (step S30). In response to this inquiry, the SIP server 3 notifies the relay server 4 of the IP address (IP address corresponding to the URI) of the router 11 to which the telephone 12 currently in communication with the telephone 22 is connected (step S31). . The relay server 4 designates the IP address notified from the SIP server 3, and establishes a communication line with the card reader / writer 13 connected to the router 11 having this IP address (step S32). When a communication line is established with the relay server 4, the card reader / writer 13 turns on a lamp provided inside (step S33). The lighting of this lamp corresponds to a message instructing the user to hold an appropriate IC card.

  Next, the relay server 4 issues a settlement processing command to the card reader / writer 13 (step S34). Here, the user holds the IC card 15 owned by the user over the card reader / writer 13 (step S35). In response to this, the card reader / writer 13 reads information recorded on the IC card 15 and performs a settlement process (step S36).

  Next, the user operates the dial button of the telephone set 12 and inputs a personal identification number (step S37). With this operation input, a dial tone is transmitted from the telephone set 12 (step S38). The relay server 4 that has received the dial tone converts the received dial tone into a personal identification number and authenticates the personal identification number (step S39). Then, the line connected to the call waiting function is disconnected.

  Next, the relay server 4 issues a settlement processing command to the card reader / writer 13 (step S40). In response to this, the card reader / writer 13 reads information recorded on the IC card 15 and performs a settlement process (step S41). The relay server 4 receives the result of the settlement process, and transfers the received settlement process result information to the settlement server 5. This completes the payment process. When the settlement process ends, the relay server 4 notifies the merchandise sales server 23 to that effect. Upon receiving this notification, the merchandise sales server 23 displays on the call center terminal that the payment processing has been completed normally. The call center counterpart who sees this display notifies the user that the settlement processing has been completed via the telephone 22. As a result, the catalog shopping process is completed, and the telephone lines 22 and 12 are disconnected.

  As described above, since the card reader / writer 13 connected to the router 11 to which the telephone 12 during a call is connected reads out the credit card number or the like recorded in the IC card 15, impersonation can be prevented. This makes it possible to safely perform a card payment process when shopping with a credit card. In addition, since the card payment processing can be performed without verbally conveying the credit card number or the like, the leakage of the credit card number can be prevented. Further, since the personal identification number is input from the telephone 12 during a call using the call waiting function, the authentication process using the personal identification number can be executed safely and reliably. Further, by linking with a telephone, it can be realized without providing a card reader / writer with a button for inputting a password or the like.

  Next, with reference to FIG. 4, the operation of performing the balance inquiry and charge processing of the IC card having the electronic money function by the card processing system shown in FIG. 1 will be described. FIG. 4 is a sequence diagram showing the balance inquiry and charge processing for an IC card having an electronic money function.

  First, the user dials a telephone number for performing card processing such as balance inquiry and charge processing from the telephone 12, and makes a call to the relay server 4 (steps S51 and S52). The SIP server 3 receives this call and connects a telephone line with the relay server 4 (step S53). When a call is received at the relay server 4, communication is possible between the telephone set 12 and the relay server 4. At this time, the relay server 4 receives the URI (Uniform Resource Identifier) of the telephone 12 that has made the call from the SIP server 3 (steps S54 and S55).

  Next, the relay server 4 inquires of the SIP server 3 about the IP address corresponding to the previously received URI information (step S56). In response to this inquiry, the SIP server 3 notifies the relay server 4 of the IP address (IP address corresponding to the URI) of the router 11 to which the telephone set 12 capable of communicating with the relay server 4 is currently connected (step S57). ). The relay server 4 designates the IP address notified from the SIP server 3, and establishes a communication line with the card reader / writer 13 connected to the router 11 having this IP address (step S58). When a communication line is established with the relay server 4, the card reader / writer 13 turns on a lamp provided inside (step S59). The lighting of this lamp corresponds to a message instructing the user to hold an appropriate IC card.

The relay server 4 causes the telephone 12 to pronounce a menu introduction by voice (step S60). This menu introduction voice is pronounced on the telephone 12 (step S61). The voice uttered here is, for example, “Please press 1 for balance inquiry and 2 for charge”. The user who has heard this voice operates the dial button of the telephone 12 and inputs a desired processing number (step S62). With this operation input, a dial tone is transmitted from the telephone set 12 (step S63). The relay server 4 that has received the dial tone converts the received dial tone into a processing number (step S 64 ).

  Next, the relay server 4 issues a card control command (charge command or balance inquiry command) corresponding to the selected processing number to the card reader / writer 13 (step S65). Here, the user holds the IC card 15 owned by the user over the card reader / writer 13 (step S66). Receiving this, the card reader / writer 13 reads the information recorded on the IC card 15 and performs card control processing (charge processing or balance inquiry processing) (step S67). The relay server 4 notifies the telephone set 12 of the processed result by voice (step S68). The user confirms the processing result by listening to the voice emitted from the telephone 12 (step S69). Then, the telephone lines 22 and 12 are disconnected.

  In this way, the information in the IC card recorded in the IC card 15 is read out by the card reader / writer 13 connected to the router 11 to which the telephone 12 during a call is connected, and balance inquiry and charge processing are performed. Since this is done, a card processing system can be constructed with a simple configuration. Further, it can be realized without providing a button to operate the card reader / writer by cooperating with the telephone.

  In the above description, the card process has been described by taking an example of a payment process for purchasing a product. However, the card process is not limited to the payment process, and may be a personal authentication process. In this case, the IC card held over the card reader / writer may be an IC card for performing personal authentication, which includes a license, a membership card, a cigarette card, a student card, and the like. The card reader / writer shown in FIG. 1 reads / writes information from / to an IC card, but does not necessarily require an information writing function, and has a writing function only when writing is required by an application to be used. It only has to be.

  Further, the program for realizing each function in FIG. 1 is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed to perform processing on the IC card. May be. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of one Embodiment of this invention. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG. It is a sequence diagram which shows operation | movement of the card processing system shown in FIG.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... User home, 11 ... Router, 12 ... Telephone, 13 ... Card reader / writer, 14, 15 ... IC card, 2 ... Service company, 21 ... Router, 22 ... Telephone, 23 ... Product sales server, 3 ... SIP server, 4 ... Relay server, 5 ... Payment server

Claims (8)

Information acquisition means for acquiring identification information of a caller terminal that has established a communication line via a network;
Network identification information acquisition means for acquiring network identification information of a network connection device to which the caller terminal is connected based on the identification information of the caller terminal;
Communication line establishment means for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
Control information transmitting means for transmitting control information to the IC card reader established by the communication line;
A card processing system comprising: card processing execution means for receiving IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing predetermined card processing. An information acquisition means for acquiring identification information of a caller terminal and a caller telephone number information established through a network;
Network identification information acquisition means for acquiring network identification information of a network connection device to which the caller terminal is connected based on the identification information of the caller terminal;
First communication line establishment means for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
Control information transmitting means for transmitting control information to the IC card reader established by the communication line;
A second communication line establishing means for newly establishing a communication line with the caller terminal based on the caller telephone number;
Operation information receiving means for receiving information input by operation at the caller terminal via the newly established communication line;
Card processing execution for receiving IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing predetermined card processing based on the IC card information and the operation input information And a card processing system. A payment information receiving means for receiving payment processing information from outside;
The card processing system according to claim 1, wherein the predetermined card process is a payment process based on the payment process information. An information acquisition step of acquiring identification information of a caller terminal that has established a communication line via a network;
Based on the identification information of the caller terminal, a network identification information acquisition step of acquiring network identification information of a network connection device to which the caller terminal is connected;
A communication line establishing step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
A control information transmission step of transmitting control information to the IC card reader established by the communication line;
A card processing method comprising: a card processing execution step of receiving IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing predetermined card processing. An information acquisition step for acquiring the identification information of the caller terminal and the caller telephone number information established through the network,
Based on the identification information of the caller terminal, a network identification information acquisition step of acquiring network identification information of a network connection device to which the caller terminal is connected;
A first communication line establishing step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
A control information transmission step of transmitting control information to the IC card reader established by the communication line;
A second communication line establishment step for newly establishing a communication line with the caller terminal based on the caller telephone number;
An operation information receiving step for receiving information input by operation at the caller terminal via the newly established communication line;
Card processing execution for receiving IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing predetermined card processing based on the IC card information and the operation input information And a card processing method. A payment information receiving step for receiving payment processing information from outside;
The card processing method according to claim 4, wherein the predetermined card process is a payment process based on the payment process information. An information acquisition step of acquiring identification information of a caller terminal that has established a communication line via a network;
Based on the identification information of the caller terminal, a network identification information acquisition step of acquiring network identification information of a network connection device to which the caller terminal is connected;
A communication line establishing step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
A control information transmission step of transmitting control information to the IC card reader established by the communication line;
A card processing execution step for causing the computer to perform a card processing execution step of receiving the IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing a predetermined card processing; program. An information acquisition step for acquiring the identification information of the caller terminal and the caller telephone number information established through the network,
Based on the identification information of the caller terminal, a network identification information acquisition step of acquiring network identification information of a network connection device to which the caller terminal is connected;
A first communication line establishing step for establishing a communication line with an IC card reader connected to a network connection device specified by the network identification information;
A control information transmission step of transmitting control information to the IC card reader established by the communication line;
A second communication line establishment step for newly establishing a communication line with the caller terminal based on the caller telephone number;
An operation information receiving step for receiving information input by operation at the caller terminal via the newly established communication line;
Card processing execution for receiving IC card information read by the IC card reader that has transmitted the control information from the IC card reader and executing predetermined card processing based on the IC card information and the operation input information A card processing program for causing a computer to perform steps.

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