JP6645742B2 - card - Google Patents

Description

  The present invention relates to a card such as a credit card, a card payment device for performing a payment process using the card, a card payment processing program, and a card payment processing method.

  Conventionally, various cards, such as credit cards, are provided with a card number, expiration date, name, etc. by embossing, and the surface is provided with characters, alphanumeric characters, design information, etc. indicating the type of the card and others. I have. In addition, a magnetic card, a signature column of the owner, and the like are provided on the back surface.

  In recent years, instead of copying by embossing or reading of a magnetic card, reading of card information by a store terminal device using an IC chip mounted on the card has been increasing in many cases.

  Further, as a related technology, specifically, conventionally, for example, there has been a technology for preventing unauthorized use of a personal authentication medium by printing a colorless barcode on a photograph portion of a passport (for example, See Patent Document 1.).

JP-A-10-208054

  However, as described above, in the case of various conventional cards such as credit cards, the card information is clear at a glance, and if the card is lost or stolen, the card can be easily used illegally, and the damage caused by the illegal use is easy. The amount has been increasing year by year, and there is no way to effectively prevent such fraud.

  The present invention solves the above-mentioned problems caused by the conventional technology, and therefore, a card, a card settlement apparatus, a card settlement processing program, and a card that can prevent unauthorized use of the card even if the card is lost or stolen. An object of the present invention is to provide a settlement processing method.

  In order to solve the above-described problems and achieve the object, a card according to the present invention includes a storage medium for storing card information including one or a plurality of password information, an input unit for receiving an input of a password, A determining unit that compares the personal identification number input by the input unit and the personal identification number information stored in the storage medium and determines whether there is matching personal identification number information; And an output permitting unit for permitting output of card information corresponding to the matched password information stored in the storage medium.

  In the card according to the present invention, in the above invention, the input unit receives an input of information relating to the password from an external device.

  The card according to the present invention is characterized in that, in the above invention, the display device further includes a display unit for displaying information on a result of the determination by the determination unit.

  In addition, the card settlement device according to the present invention includes: a first acquisition unit that acquires, from a storage medium provided on the card, password information of at least one card stored in the storage medium; An accepting input unit, a determining unit that compares the personal identification number input by the input unit and the personal identification number information acquired by the first acquiring unit, and determines whether there is matching personal identification number information; A second obtaining unit that obtains, from the storage medium, card information corresponding to the matched personal identification number information, based on a result of the determination by the determining unit; and the second obtaining unit And a payment processing execution unit that executes payment processing using the card information obtained by the method.

  Further, the card settlement apparatus according to the present invention is characterized in that in the above invention, a display unit for displaying a part of the card information acquired by the second acquiring unit is provided.

  Further, in the card settlement apparatus according to the present invention, in the above invention, the second acquisition unit may store the card stored in the storage medium from the storage medium based on a determination result by the determination unit. The image information of the owner is acquired, and the display unit displays the image information.

  Further, the card payment processing program according to the present invention, the computer, from a storage medium provided in the card, obtains the password information of at least one card stored in the storage medium, accepts the input of the password, The input personal identification number is compared with the obtained personal identification number information, and it is determined whether or not there is the corresponding personal identification number information.Based on the determination result, the storage medium is stored in the storage medium. And acquiring card information corresponding to the matched personal identification number information, and performing a process of performing settlement using the acquired card information.

  A card payment processing method according to the present invention is a card payment processing method to be executed by a computer, and obtains, from a storage medium provided on a card, personal identification number information of at least one card stored in the storage medium. The password input is accepted, the input password is compared with the obtained password information, and it is determined whether or not there is the matching password information, and based on the determination result, the storage is performed. Card information corresponding to the matching password number information stored in the storage medium is acquired from the medium, and settlement is performed using the acquired card information.

  According to the card, the card payment device, the card payment processing program, and the card payment processing method of the present invention, a person who has obtained unauthorized access cannot easily use the card, so that even if the card is lost or stolen, This has the effect of preventing unauthorized use of the device.

FIG. 2 is an explanatory diagram (No. 1) illustrating an appearance of a card according to the first embodiment of the present invention. FIG. 2 is an explanatory diagram (No. 2) illustrating an appearance of a card according to the first embodiment of the present invention. FIG. 4 is an explanatory view (No. 3) of the appearance of the card according to the first embodiment of the present invention. FIG. 2 is a block diagram showing a functional configuration of the card according to the first embodiment of the present invention. FIG. 3 is an explanatory diagram illustrating an example of a data configuration of a storage medium of the card according to the first embodiment of the present invention. 5 is a flowchart illustrating a processing procedure of the card according to the first embodiment of the present invention. FIG. 11 is an explanatory diagram (No. 1) illustrating an appearance of a card according to a second embodiment of the present invention. FIG. 10 is an explanatory view (No. 2) showing an appearance of a card according to a second embodiment of the present invention. FIG. 9 is a block diagram illustrating a functional configuration of a card according to a second embodiment of the present invention. 13 is a flowchart illustrating a processing procedure of the card according to the second embodiment of the present invention. FIG. 7 is an explanatory diagram showing a system configuration of a card payment system including a card payment device according to a second embodiment of the present invention. FIG. 10 is a block diagram (part 1) illustrating a hardware configuration of a card payment device according to a second embodiment of the present invention. FIG. 10 is a block diagram (part 2) illustrating a hardware configuration of a card payment device according to a second embodiment of the present invention. FIG. 9 is a block diagram illustrating a functional configuration of a card payment device according to a second embodiment of the present invention. FIG. 11 is an explanatory diagram (part 1) illustrating an example of a display screen displayed on the card payment device according to the second embodiment of the present invention. FIG. 10 is an explanatory diagram (part 2) illustrating an example of a display screen displayed on the card payment device according to the second embodiment of the present invention. It is a flowchart which shows the processing procedure of the card payment apparatus of Embodiment 2 concerning this invention. FIG. 13 is a block diagram illustrating a functional configuration of a card according to a third embodiment of the present invention. FIG. 13 is a block diagram illustrating a functional configuration of a card payment device according to a third embodiment of the present invention. It is a flowchart which shows the processing procedure of the card payment apparatus of Embodiment 3 concerning this invention.

  Preferred embodiments of a card, a card payment device, a card payment processing program, and a card payment processing method according to the present invention will be described in detail below with reference to the accompanying drawings.

[Embodiment 1]
(Appearance of credit card 100)
As an example of the card according to the first embodiment, a credit card including an IC chip will be described. FIGS. 1A to 1C are explanatory diagrams showing the appearance of a card (credit card 100) according to a first embodiment of the present invention. In FIG. 1A, a credit card 100 includes an IC chip 101. The IC chip 101 is a contact type IC chip like a general credit card, and is provided slightly above the center of the “front surface” of the credit card 100 on the left side.

  FIG. 1B shows the “back side” of the credit card 100. As can be seen from FIGS. 1A and 1B, the credit card 100 according to the first embodiment has no embossed numbers or the like and has no characters or patterns printed thereon except for the IC chip 101 provided. Absent. In particular, the “back side” has no pattern and is one color (for example, white). The “front side” is the same as the “back side” except for the IC chip 101.

  Therefore, the credit card 100 includes the card type, card company name, card company logo, card number, expiration date, owner's name, security code, owner's signature, information about the card company (address, telephone number). ), And other precautionary statements are not described, and there is no magnetic code. The credit card 100 is exactly a so-called “no-pure” card.

  Although not shown, by making the IC chip 101 non-contact type and embedding it inside the credit card 100, the “front side” can have the same appearance as the “back side”. However, in that case, the color of each surface may be changed so that the "front surface" and the "back surface" can be distinguished.

  FIG. 1C shows a state in which the numeric keypad 102 and the display 103 are displayed on the “front side” of the credit card 100 shown in FIG. 1A. The front surface of the credit card 100 is composed of a display that can be switched between display and non-display by a liquid crystal display, an organic EL display, electronic paper, or the like. Normally, nothing is displayed. And the display 103 are displayed.

  Therefore, the material of the credit card 100 does not need to be made of a conventional plastic, and is desirably a material on which a liquid crystal display, an organic EL display, electronic paper, or the like can be mounted.

  The display portion of the numeric keypad 102 is a touch panel, and the displayed number can be input to (the IC chip 101 of) the credit card 100 by touching with a finger or the like. The owner of the credit card 100 inputs a password using the numeric keypad 102. In addition, the display 103 has a wrong card type (for example, “VIA” indicating the card company) or a character including the result of inputting the personal identification number (for example, “OK” indicating that the personal identification number has been accepted) or an incorrect personal identification number. "NG" indicating that the message is displayed.

  As described above, the type of card corresponding to the input personal identification number is displayed. However, a case where the same personal identification number is set for a plurality of credit cards can be assumed. In this case, when the password is input, the types of all the cards corresponding to the password are displayed on the display 103 together with the number, for example, simultaneously or at predetermined time intervals. Good (not shown). When a plurality of card types are displayed, the owner of the credit card 100 may select a desired card by inputting a number displayed together with the card type from the ten keys 102, for example. Good. When a desired card is selected, the display of card types other than the selected desired card may disappear. In this way, the card used for settlement may be determined.

  In FIG. 1C, the numeric keypad 102 and the display 103 are displayed on the same surface as the surface on which the IC chip 101 is provided (“front surface”). However, the present invention is not limited to this. For example, although not shown, both the numeric keypad 102 and the display 103 may be provided on a surface (“back side”) where the IC chip 101 is not provided, and only one of the numeric keypad 102 and the display 103 is provided. The IC chip 101 may be provided on a surface on which the IC chip 101 is not provided (“back surface”). The numeric keypad 102 is configured by a display, but is not limited thereto. For example, the numeric keypad 102 is printed in advance and has only a function such as a touch panel. You may make it input.

(Functional Configuration of Credit Card 100)
Next, a functional configuration of the credit card 100 according to the first embodiment will be described. FIG. 2 is a block diagram illustrating a functional configuration of the card (credit card 100) according to the first embodiment of the present invention. 2, the credit card 100 includes a storage medium 201, a password input unit 202, a password determination unit 203, a determination result display unit 204, a card information output unit 205, and a card information output permission unit 206. .

  The storage medium 201 stores one or a plurality of card information. The card information includes personal identification number information. A specific example of the card information stored in the storage medium 201 will be described later (see FIG. 3). The function of the storage medium 201 is specifically realized by, for example, a predetermined storage area in the IC chip 101 illustrated in FIGS. 1A and 1C and a control unit that writes and reads data to and from the storage area. can do.

  The password input unit 202 accepts input of a password entered by the card owner himself. The function of the password input unit 202 can be specifically realized by the numeric keypad 102 shown in FIG. 1C, for example.

  The password determination unit 203 compares the password input by the password input unit 202 with the password information stored in the storage medium 201, and determines whether there is any matching password information. Specifically, the function of the personal identification number determination unit 203 can be realized by, for example, a control unit in the IC chip 101 shown in FIGS. 1A and 1C.

  The judgment result display unit 204 displays information on the judgment result by the personal identification number judgment unit 203. Specifically, the function of the determination result display unit 204 can be realized by, for example, the display 103 illustrated in FIG. 1C. In FIG. 1C, the display 103 displays the card type such as “VIA” and the alliance information such as “XX department store” as the determination result. This display content matches the password number of the VIA card, indicating that the card can be settled. Further, the display 103 may display the card number of the VIA card, the expiration date, the owner's name, the affiliate information, and the like.

  The card information output unit 205 outputs card information stored in the storage medium 201 to the outside. The function of the card information output unit 205 is specifically controlled by, for example, an interface unit that controls input and output of data with the outside in the IC chip 101 illustrated in FIGS. 1A and 1C and a control unit in the IC chip 101. Can be realized.

  The card information output permission unit 206 outputs the card information corresponding to the matched password information stored in the storage medium 201 to the outside based on the determination result by the password determination unit 203. Allow that. The card information output permitting unit 206 permits the card information output unit 205 to output any card information to the outside if there is no matching password information based on the determination result by the password determining unit 203. do not do. Specifically, the function of the card information output permission unit 206 can be realized by, for example, a control unit in the IC chip 101 shown in FIGS. 1A and 1C. FIG. 1C shows a state in which output of card information of card 1 (VI A card) is permitted.

  Further, although not shown, the credit card 100 may include a battery to be supplied to each unit. In addition to the battery or in place of the battery, a unit (power acquisition unit) for receiving power from an external power supply may be provided. The means for receiving the power supply from the external power supply can be easily realized by using a known technique, and the description thereof will be omitted.

(Example of data structure)
Next, a specific example of card information stored in the storage medium 201 of the credit card 100 according to the first embodiment will be described. FIG. 3 is an explanatory diagram illustrating an example of a data configuration of a storage medium of the card (credit card 100) according to the first embodiment of the present invention.

  In FIG. 3, the storage medium 201 stores three pieces of card information respectively corresponding to three pieces of password information (“password”). The card information includes various kinds of information including information necessary for settlement, like a normal credit card. For example, information about the type of card (card company) ("card type"), information about the card number ("card number"), information about the expiration date of the card ("expiration date"), information about the name of the cardholder ( "Owner name"), information about the company to which the credit card is affiliated and the contents of the privilege ("affiliation information").

  In FIG. 3, as the card information of “Card 1” corresponding to the personal identification number “1234”, the card type is “VIA”, the card number is “5555-123-4567”, and the expiration date is “19/04”. (April 2019)], the owner name is “TARO YAMADA”, and the affiliate information is “XX Aviation”. Further, as card information of “Card 2” corresponding to the personal identification number “9876”, the card type is “J ● B”, the card number is “4444-987-6543”, and the expiration date is “20/12 (2020) December), the owner's name is “TARO YAMADA”, and the affiliate information is “□□ department store”. Further, as card information of “Card 3” corresponding to the personal identification number “5432”, the card type is “MA-TER”, the card number is “6666-3457-6789”, and the expiration date is “21/09 (2021 September), the owner's name is “TARO YAMADA”, and there is no affiliate information.

  As described above, the card information is stored in the storage medium 201 for each personal identification number in association with the personal identification number. Although not shown, the image information of the card owner may be stored in the storage medium 201.

  The personal identification number information, the card information, and the image information of the card owner can be added, deleted, and registered contents can be changed. The addition, deletion, and registration of the personal identification number information, the card information, and the image information of the card owner can be performed after the card is issued if the storage medium 201 is a rewritable memory. If the storage medium 201 is a non-rewritable memory, when addition, deletion, or registration of personal identification number information, card information, and image information of the card owner occurs, a new credit card is issued again.

(Processing procedure of credit card 100)
Next, a processing procedure of the credit card 100 according to the first embodiment will be described. FIG. 4 is a flowchart illustrating a processing procedure of the card (credit card 100) according to the first embodiment of the present invention.

  In the flowchart of FIG. 4, for example, when the power is turned on, the numeric keypad 102 is displayed at a predetermined position on the “front surface” of the credit card 100 (step S401). The power is turned on by turning on a predetermined switch (not shown) provided on the credit card 100. The power may be turned on by touching a predetermined position such as a position on the numeric keypad 102 or the display 103 for a predetermined time or more. Further, the credit card 100 may be brought into contact with a predetermined position where power can be supplied, or power may be supplied from the IC chip 101.

  Next, it is determined whether or not a password has been input from the displayed numeric keypad 102 (step S402). If the password is a four-digit number, the input may be completed when the fourth number is input. In the case of a password other than the above, the input may be completed when "@" is input.

  Here, after waiting for the input of the personal identification number (step S402: No), when the personal identification number is input (step S402: Yes), the input personal identification number and the personal identification number information stored in the storage medium 201 are stored. Then, it is determined whether or not there is matching password information (step S403).

  As a result of the determination in step S403, when there is matching password information (step S403: Yes), information on the card type of the card information corresponding to the matching password information is displayed on the display screen (display 103). Display (step S404) and start of permission to output the matched password information and the card information corresponding to the matched password information to the outside (step S405).

  Then, it is determined whether a predetermined time has elapsed (step S406). The predetermined time is set assuming the time when the settlement process is performed. Specifically, it is preferably about 3 to 5 minutes. If the predetermined time has elapsed (step S406: No), and if the predetermined time has elapsed (step S406: Yes), permission to output the matching password information and the card information corresponding to the matching password information to the outside is permitted. The operation stops (step S407), and then the process proceeds to step S409. Although illustration is omitted, even before the predetermined time elapses, it is possible to recognize that the payment processing has been completed and stop the permission to output the card information to the outside. As a result, it is possible to more reliably prevent unauthorized payment processing from being performed.

  As a result of the determination in step S403, when there is no matching password number information (step S403: No), the determination result (“NG”) to that effect is displayed on the display screen (display 103) (step S408). After that, the procedure moves to step S409.

  In step S409, for example, by turning off the power, the numeric keypad 102 and the display 103 are not displayed (step S409), and a series of processing ends.

(Example of settlement procedure using credit card 100)
When making a payment with the credit card 100, first, the owner of the credit card 100 turns on the power of the credit card 100 and causes the numeric keypad 102 to be displayed. Next, a password corresponding to the type of card to be used is input using the numeric keypad 102. After the input, the display contents (decision result for the input of the personal identification number) displayed on the display 103 are confirmed, and the credit card 100 is handed to the store clerk.

  In order to obtain card information and personal identification number information from the IC chip 101 of the credit card 100 handed by the owner, the store clerk uses the credit card 100 with a store terminal device as a card settlement device (see FIG. 8, see FIG. 9A, FIG. 9B, etc.). Then, the store clerk inputs the payment amount to the store terminal device. The input of the settlement amount by the store clerk is, for example, an input from a keyboard or an input from a barcode scanner.

  The store terminal device transmits the card information and the personal identification number read from the set credit card 100 and the payment amount information input by the clerk to the server of the card company (see FIG. 8 described later, etc.), and performs the payment processing. Request. Since the personal identification number information has already been acquired together with the card information, there is no need to request the card holder to enter a personal identification number again (or to make sure that the personal identification number is required). Good).

  Thereafter, when the payment processing is completed, the receipt is printed by the store terminal device. The store clerk hands the receipt to the card holder together with the credit card 100, and a series of settlement procedures is completed. Then, the power of the credit card 100 is turned off after a predetermined time has elapsed.

  As described above, according to the credit card 100 according to the first embodiment, when using the credit card 100, the card holder inputs the password directly to the credit card 100 and corresponds to the input password. Since the card information is output to the outside only for a predetermined period of time, and the payment process can be performed, the card information cannot be known only by the other person looking at the credit card 100, and the misuse can be prevented.

[Embodiment 2]
Next, a credit card 500, which is an example of a card according to the second embodiment, a payment device of the credit card 500, a card payment processing program, and a card payment processing method will be described.

(Appearance of credit card 500)
FIGS. 5A and 5B are explanatory diagrams showing the appearance of a card (credit card 500) according to the second embodiment of the present invention. 5A, the credit card 500 includes an IC chip 501. The IC chip 501 is a non-contact type IC chip, and is embedded and embedded in the credit card 500.

  FIG. 5B shows the “back side” of the credit card 500. As can be seen from FIGS. 5A and 5B, the credit card 500 according to the second embodiment has no embossed numbers or the like, has no characters or patterns printed thereon, and has a “front side” of “ The “back side” is also plain and one color (for example, white).

  Therefore, the credit card 500 includes the card type, card company name, card company logo, card number, expiration date, owner's name, security code, owner's signature, information about the card company (address, telephone number). ), And other precautionary statements are not described, and there is no magnetic code. The credit card 500 is exactly a so-called “no-pure” card. Therefore, in order to make it possible to distinguish between the "front surface" and the "back surface", the color of each surface may be changed.

  As described above, since neither the “front side” nor the “back side” is displayed, it is not apparent from the appearance what kind of card it is, and of course, it cannot be recognized that it is a credit card.

  It is different from the credit card 100 according to the first embodiment in that the IC chip 501 is built in, cannot be seen on the surface, and has no numeric keypad and display. However, like the credit card 100 in the first embodiment, the IC chip 501 is provided using a contact-type IC chip so as to be seen slightly above the center of the “front surface” of the credit card 500 on the left side. It may be.

(Functional Configuration of Credit Card 500)
Next, a functional configuration of the credit card 500 according to the second embodiment will be described. FIG. 6 is a block diagram showing a functional configuration of a card (credit card 500) according to the second embodiment of the present invention. 6, the credit card 500 includes a storage medium 601, a password information input unit 602, a password determination unit 603, a card information output unit 604, and a card information output permission unit 605.

  The storage medium 601 stores one or a plurality of card information. The card information includes personal identification number information. A specific example of the card information stored in the storage medium 601 has the same contents as the storage medium 201 according to the first embodiment shown in FIG. The storage medium 601 can be realized by, for example, a predetermined storage area in the IC chip 501 shown in FIG. 5A and a control unit that writes and reads data to and from the storage area. it can.

  The personal identification number information input unit 602 receives an input of personal identification number information (personal identification number information) output from a card payment device (store terminal device) described below, which is an example of an external device. The personal identification number information input unit 602 specifically realizes its function by, for example, an interface unit that controls input and output of data with the outside in the IC chip 501 illustrated in FIG. 5A and a control unit in the IC chip 501. be able to. The difference from the encryption number input unit 202 of the credit card 100 according to the first embodiment is that the personal identification number is not directly input to the credit card.

  The password identification unit 603 compares the password information input by the password information input unit 602 with the password information stored in the storage medium 601, and determines whether there is any matching password information. . Specifically, the function of the personal identification number determination unit 603 can be realized by, for example, a control unit in the IC chip 501 illustrated in FIG. 5A.

  The card information output unit 604 outputs card information stored in the storage medium 601 to a card payment device (store terminal device). Specifically, the card information output unit 604 implements its function by, for example, an interface unit that controls input and output of data with the outside in the IC chip 501 illustrated in FIG. 5A and a control unit in the IC chip 501. Can be.

  The card information output permitting section 605 outputs the card information corresponding to the matched password information stored in the storage medium 601 to the outside based on the determination result of the password determination section 603. Allow that. The card information output permitting unit 605 permits the card information output unit 604 to output any card information to the outside if there is no matching password information based on the determination result by the password identification unit 603. do not do. Specifically, the function of the card information output permission unit 605 can be realized by, for example, a control unit in the IC chip 501 illustrated in FIG. 5A.

  Further, although not shown, the credit card 500 may include a battery to be supplied to each unit. In addition to the battery or in place of the battery, a unit (power acquisition unit) for receiving power from an external power supply may be provided.

(Processing procedure of credit card 500)
Next, a processing procedure of a card (credit card 500) according to the second embodiment will be described. FIG. 7 is a flowchart illustrating a processing procedure of a card (credit card 500) according to the second embodiment of the present invention.

  In the flowchart of FIG. 7, it is determined whether input of personal identification number information has been received from a card payment device (store terminal device) (step S701). Here, waiting for the input of the personal identification number information (Step S701: No), if the input is received (Step S701: Yes), the input personal identification number information is stored in the storage medium 601. A comparison is made with the password information, and it is determined whether or not there is password information that matches (step S702).

  As a result of the determination in step S702, if there is matching password information (step S702: Yes), permission to output the card information corresponding to the matching password information to the outside, that is, to the card settlement device (store terminal device). Is started (step S703).

  Then, it is determined whether a predetermined time has elapsed (step S704). As in the first embodiment, the predetermined time is set assuming a time at which the settlement process is performed. Specifically, it is preferably about 3 to 5 minutes. Waiting for the predetermined time to elapse (step S704: No), and when it elapses (step S704: Yes), the permission to output the card information corresponding to the matched password information to the outside is stopped (step S705). , A series of processing ends. Although illustration is omitted, even before the predetermined time elapses, it is possible to recognize that the payment processing has been completed and stop the permission to output the card information to the outside.

  As a result of the determination in step S702, when there is no matching password number information (step S702: No), the determination result (“NG”) to that effect is output to the outside, that is, to a card settlement device (store terminal device). (Step S706), a series of processing ends.

(System Configuration of Card Payment System 800)
Next, a system configuration of a card settlement system including the card settlement device according to the second embodiment of the present invention will be described. FIG. 8 is an explanatory diagram illustrating a system configuration of a card payment system including a card payment device (store terminal device 820) according to the second embodiment of the present invention.

  In FIG. 8, the card payment system 800 includes a server 810 and a store terminal device 820 as a card payment device. In the card payment system 800, the server 810 and the store terminal device 820 are connected to a network 830 such as the Internet.

  The server 810 can be realized by a computer device such as a personal computer. The server 810 includes a user database 811 and a usage status management database 812.

  The store terminal device 820 has a card payment function, and is connected to a network 830 such as the Internet via a payment network such as CAFIS or INFOX-NET. Each of the store terminal devices 820 can communicate with the server 810 via the network 830.

  In the card payment system 800, the store terminal device 820 can perform various processes related to payment using a card such as the credit card 500 (hereinafter, referred to as “card payment”). The store terminal device 820 communicates with the server 810 when performing various processes related to card settlement.

  Further, in the card payment system 800, the store terminal device 820 manages an interface between the customer and the card payment system 800, and notifies the customer of the usage status of the card. The store terminal device 820 notifies the usage status of the card each time the card settlement is performed. A method of notifying the use status of the card will be described later.

  The store terminal device 820 can be specifically realized by, for example, a credit reference terminal for a card such as a CAT (Credit Authorization Terminal) terminal or a multifunctional payment terminal such as an INFOX terminal. These terminal devices can be connected to the Internet via a predetermined network 830 in addition to a telephone line. Further, these terminal devices may be connected to the POS terminal, or may be incorporated in the POS terminal, and may be connected to the network 830 via the POS terminal.

(Hardware configuration of store terminal device 820)
Next, a hardware configuration of the shop terminal device 820 will be described. 9A and 9B are block diagrams illustrating a hardware configuration of a card payment device (store terminal device 820) according to the second embodiment of the present invention. FIG. 9A shows a hardware configuration of a store terminal device 820 having a function specialized for card payment. FIG. 9B shows a hardware configuration of a store terminal device 820 implemented by a POS terminal having a card payment function.

  In FIG. 9A, a store terminal device 820 having a function specialized for card payment includes a CPU 911, a ROM 912, a RAM 913, a display 914, a keyboard 915, a network I / F 916, a buzzer 917, and a card reader 918. And a printer 919. The units 911 to 919 of the store terminal device 820 are connected by a bus 920.

  The CPU 911 controls the entire store terminal device 820. The ROM 912 stores various programs to be executed at the time of card settlement. The RAM 913 is used as a work area of the CPU 911. The CPU 911 communicates with the server 810 via the network I / F 916 during card payment.

  The keyboard 915 accepts various input operations related to card settlement by a clerk of a store that performs card settlement, and accepts an input operation of a personal identification number by a card owner. The keyboard 915 outputs the input information to the CPU 911. The display 914 can be realized by, for example, a display device including a liquid crystal panel. A liquid crystal panel realizing the display 914 can display fixed messages, numbers, symbols, and the like. Further, the liquid crystal panel that realizes the display 914 may be a 7-segment display.

  The buzzer 917 outputs a predetermined buzzer sound when an error occurs in the store terminal device 820 or the like. As the buzzer 917, various known buzzers such as a piezoelectric buzzer, an electronic buzzer, and an electromagnetic buzzer can be used. The card reader 918 reads data recorded on the IC chip 501 of the credit card 500 during payment using a card. Further, a function of inputting predetermined data to the IC chip 501 is provided.

  The printer 919 performs a printing process for printing settlement details and the like on the slip sheet. As the printer 919, for example, an impact dot printer capable of printing on a slip sheet that can be copied can be used. The printer 919 is not limited to an impact dot printer, but can be realized by a printer of various known printing methods such as a thermal printer, a laser printer, and an ink jet printer. The printer 919 includes a sheet holding mechanism for holding a slip sheet, a printer head for printing on the slip sheet, and the like.

  In FIG. 9B, a store terminal device 820 realized by a POS terminal having a card settlement function includes a CPU 921, a ROM 922, a RAM 923, an HDD 924, an HD 925, a display 926, a touch panel 927, a keyboard 928, and a bar. A code scanner 929, a printer 930, a drawer opening device 931, a network I / F 932, a speaker 933, and a card reader 934 are provided. The units 921 to 934 of the store terminal device 820 are connected by a bus 935.

  The CPU 921 controls the entire store terminal device 820 realized by the POS terminal having the card settlement function. The ROM 922 stores various programs and the like to be executed at the time of card settlement, at the time of registering sales of goods, at the time of settlement of sales, and the like. The RAM 923 is used as a work area of the CPU 921. The CPU 921 performs communication with the server 810 via the network I / F 932, for example, at the time of card settlement.

  The store terminal device 820 realized by a POS terminal having a card settlement function can directly communicate with the server 810. Further, the store terminal device 820 realized by a POS terminal having a card payment function may communicate with the server 810 via a server computer provided for each store or each group.

  The HDD 924 controls reading / writing of data from / to the HD 925 under the control of the CPU 921. The HDD 924 stores data written under the control of the HD 925. Specifically, the HD 925 stores, for example, a product master file, a sales file, and the like. The merchandise master file and the sales file in the store terminal device 820 realized by the POS terminal having the card settlement function are publicly known, and therefore description thereof is omitted.

  The display 926 can be realized by, for example, a display device including a liquid crystal panel. The display 926 displays a window (browser) related to data such as a document, an image, and function information, including a cursor, an icon, and a tool box. A store terminal device 820 realized by a POS terminal having a card payment function includes a display 926 for displaying information to a clerk and a display 926 for displaying information to a customer (owner of a card). A plurality of displays 926 may be provided per unit.

  The touch panel 927 is stacked on the display 926, and outputs a signal corresponding to an operation position to the CPU 921. As the touch panel 927, various known types such as a resistive film type, a capacitance type, an acoustic pulse recognition type, an ultrasonic surface acoustic wave type, an infrared light shielding type, and an image recognition type can be used. The keyboard 928 includes keys for inputting characters, numerical values, various instructions, and the like, and outputs a signal corresponding to the operated key to the CPU 921.

  The barcode scanner 929 can be realized by an optical mark recognition device (OMR: Optical Mark Recognition or Optical Mark Reader) that can optically read a barcode or a two-dimensional code attached to a product. The barcode scanner 929 includes a light source such as an LED, a polygon mirror that scans light from the light source, a sensor that receives reflected light from an object to be read, a decoding circuit that decodes an optical signal received by the sensor, and the like. By employing a CCD image sensor as a sensor, it becomes possible to read a two-dimensional code. The data decoded by the decoding circuit is output to the CPU 921.

  The printer 930 performs a printing process for printing the details of settlement and the like on the roll paper. It can be realized by a printer of various known printing methods such as a thermal printer, a laser printer, and an ink jet printer. The printer 930 includes a roll paper holding mechanism for holding roll paper, a printer head for performing printing on roll paper, a cutter mechanism for cutting printed roll paper at an arbitrary length, and the like.

  The drawer opening device 931 opens a drawer device connected to the store terminal device 820 when a predetermined operation is performed on the store terminal device 820 realized by a POS terminal having a card settlement function. The drawer opening device 931 can be specifically realized by, for example, a solenoid or the like, and operates when receiving an opening signal output from the CPU 921 in response to the operation of the “deposit / current total” key on the keyboard 928. To unlock the drawer device.

  The speaker 933 outputs a beep sound when a product is scanned and a notification sound when an abnormality such as an error occurs. The speaker 933 includes a voice coil (not shown), and outputs a sound by applying an electric signal according to the sound signal output from the CPU 921 to the voice coil. The card reader 934 reads out data recorded on the IC chip 501 of the credit card 500. Further, a function of inputting predetermined data to the IC chip 501 is provided.

(Functional configuration of store terminal device 820)
Next, a functional configuration of a store terminal device 820 as a card payment device according to the second embodiment will be described. FIG. 10 is a block diagram illustrating a functional configuration of a card payment device (store terminal device 820) according to the second embodiment of the present invention. In the block diagram of FIG. 10, the store terminal device 820 includes a password input unit 1001, a password information output unit 1002, a card information input unit 1003, a payment amount information input unit 1004, an authentication request information transmission unit 1005, and authentication permission information reception. Unit 1006, a payment processing unit 1007, and a display unit 1008.

  A password input unit 1001, a password information output unit 1002, a card information input unit 1003, a payment amount information input unit 1004, an authentication request information transmission unit 1005, an authentication permission information reception unit 1006, a payment processing unit 1007, and a display unit 1008 For example, it can be realized by each unit 911 to 919 or 921 to 934 included in the store terminal device 820.

  The personal identification number input unit 1001 accepts the input of a personal identification number that is made by the card owner himself. The function of the password input unit 1001 can be specifically realized by, for example, the keyboards 915 and 928 shown in FIGS. 9A and 9B.

  The password information output unit 1002 outputs the password information input by the password input unit 1001 to the credit card 500. Specifically, the function of the personal identification number information output unit 1002 can be realized by an interface connected to the credit card 500 such as the card readers 918 and 934 shown in FIGS. 9A and 9B.

  The card information input unit 1003 inputs card information output from the credit card 500, image information of the owner of the card, and other various information output from the credit card 500. The various types of information include, for example, information related to the determination result (card information output permission (NG) information, etc.). Specifically, the function of the card information input unit 1003 can be realized by an interface connected to the credit card 500 such as the card readers 918 and 934 shown in FIGS. 9A and 9B.

  The payment amount information input unit 1004 accepts input of usage amount information (payment amount information) for card payment requiring authentication. The payment amount information input unit 1004 receives the input of the payment amount information by receiving a direct operation by a store clerk operating the store terminal device 820 or the like. Further, the payment amount information input unit 1004 may receive the payment amount information by receiving the usage amount information output from the POS terminal, for example.

  The authentication request information transmitting unit 1005 transmits information related to a card authentication request to the server 810. The information on the card authentication request includes the card information input by the card information input unit 1003, the information on the current payment amount for the card requiring authentication, and the identification information of the store terminal device 820.

  The authentication permission information receiving unit 1006 receives the permission information and the notification method information transmitted from the server 810 in response to the authentication request.

  When the payment processing unit 1007 determines that the authentication is permitted based on the permission information received by the authentication permission information receiving unit 1006, the payment processing unit 1007 performs a payment process using the credit card 500 that has requested the authentication. At this time, since the password input unit 1001 has already received the input of the password, the input of the password is not required again (or the input of the password may be requested again, just in case. ). Further, the settlement processing unit 1007 further prints a receipt for store reservations and a receipt for card holders using, for example, the printers 919 and 930 shown in FIGS. 9A and 9B.

  The display unit 1008 displays all or a part of the information input by the card information input unit 1003, all or a part of the information input by the payment amount information input unit 1004, and the information received by the authentication permission information receiving unit 1006. Display all or part. The information input by the card information input unit 1003 or the information received by the authentication permission information receiving unit 1006 may include image (photograph) information of the owner of the credit card 500. A specific display example of the display unit 1008 will be described later with reference to FIGS. 11A and 11B.

(Example of display screen)
11A and 11B are explanatory diagrams showing examples of display screens displayed on the card payment device (store terminal device 820) according to the second embodiment of the present invention. FIG. 11A shows a case where there is password information that matches the input password, and FIG. 11B shows a case where there is no password information that matches the input password.

  In FIG. 11A, display screen 1101 displayed by display unit 1008 includes, for example, “card type” and “card type” corresponding to matching password information stored in storage medium 601 of credit card 500. "Card number", "expiration date", "owner name", "affiliation information", etc. are displayed. Although the card information corresponding to the input personal identification number is displayed, a case where the same personal identification number is set in a plurality of credit cards can be assumed. In this case, when the password is input, all the card information corresponding to the password may be displayed on the display unit 1008 (not shown). When a plurality of pieces of card information are displayed, the store clerk may request the owner of the credit card 500 to select a desired card and determine the card to be used for settlement.

  When the card information input by the card information input unit 1003 includes image (photo) information of the card owner, the image (photo) information 1111 may be displayed. The entered password is not displayed to avoid unauthorized use. Alternatively, only a part of the password may be displayed in order to confirm with the card holder.

  Further, information regarding the payment amount input by the payment amount information input unit 1004 may be displayed. Further, information on the authentication permission received by the authentication permission information receiving unit 1006 may be displayed. Even if the card information input by the card information input unit 103 does not include the image (photo) information of the card holder, the information received by the authentication permission information receiving unit 1006 includes the image (photo) of the card owner. When the information is included, the image information 1111 may be displayed.

  If both the card information input by the card information input unit 1003 and the information received by the authentication permission information receiving unit 1006 include the image (photograph) information of the card holder, the illustration is omitted, Both of them may be displayed side by side. By displaying them side by side, the store clerk can more surely confirm that the card holder is the person himself / herself.

  In FIG. 11B, a display screen 1102 displayed by the display unit 1008 displays that the determination result is NG, the card information could not be obtained from the credit card 500, and the subsequent correspondence to the card holder, and the like. .

(Processing Procedure of Store Terminal 820)
Next, a processing procedure of the store terminal device 820 as the card payment device according to the second embodiment will be described. FIG. 12 is a flowchart illustrating a processing procedure of the card payment device (store terminal device 820) according to the second embodiment of the present invention.

  In the flowchart of FIG. 12, it is determined whether or not the credit card 500 has been set at a predetermined position of the store terminal device 820 (step 1201). Here, after waiting for the credit card 500 to be set at a predetermined position (Step S1201: No), if the credit card 500 is set (Step S1201: Yes), then the keyboard 915, 928 of the store terminal device 820 It is determined whether or not the personal identification number has been input (by the card holder) (step S1202). Here, after waiting for the input of the personal identification number (step S1202: No), if the personal identification number is input (step S1202: Yes), the personal identification number information relating to the input personal identification number is transmitted to the credit card 500. The data is output (step S1203).

  Thereafter, it is determined whether or not card information has been input from the credit card 500 (step S1204). Here, when there is no input of the card information, that is, when there is no matching password and the judgment result (NG information) is output instead of the card information (step S1204: No), for example, as shown in FIG. 11B Then, a message to that effect (NG information) and information to have the user re-enter the password are displayed (step S1205), and the process returns to step S1202. Although illustration is omitted, when steps S1202 to S1205 are repeated a predetermined number of times, a series of processes may be ended without returning to step S1202.

  If card information has been input in step S1204 (step S1204: YES), it is next determined whether payment amount information has been input (step S1206). Here, after inputting the payment amount information (Step S1206: No), if there is an input (Step S1206: Yes), the input card information and the payment amount information are displayed, for example, as shown in FIG. 11A. (Step S1207). Then, the authentication request information is transmitted to the server 810 (step S1208).

  Thereafter, it is determined whether the authentication permission information has been received from the server 810 (step S1209). If the authentication permission information has been received (step S1209: YES), the authentication processing is executed (step S1210), and a series of processing ends. On the other hand, if the authentication permission information has not been received, that is, if the authentication has not been permitted (step S1209: No), the credit card cannot be authenticated. Is completed.

(Example of settlement procedure using credit card 500)
When making a payment with the credit card 500, first, the owner of the credit card 500 sets the credit card 500 at a predetermined position of the store terminal device 820 (or hands the credit card 500 to a store clerk, After that, the personal identification number corresponding to the type of the card to be used is input using the keyboards (numeric keys) 915 and 928. After the input, if the password is correct, the card information corresponding to the password is obtained from the credit card 500 and displayed on the displays 914 and 926 of the store terminal device 820.

  Then, the store clerk inputs the payment amount to the store terminal device 820. The input of the settlement amount by the store clerk is, for example, input from the keyboards 915 and 928, input from the barcode scanner 929, and the like.

  The store terminal device transmits the card information and the password read from the set credit card 500 and the payment amount information input by the clerk to the server 810 of the card company, and requests the payment process. Since the personal identification number information has already been obtained, the card holder is not required to input the personal identification number again (or may be required to input the personal identification number again just in case. Good).

  After that, when the payment processing is completed, the receipt is printed by the shop terminal device 820. The store clerk hands the receipt to the card holder together with the credit card 500, and a series of settlement procedures is completed.

  As described above, according to the credit card 500 and the card settlement device (store terminal device 820) according to the second embodiment, as in the case of the credit card 100 according to the first embodiment, a password is input when the card is used. Only when this happens, the card information corresponding to the input personal identification number is output to the outside and the payment process can be performed. Therefore, the card information cannot be understood by another person just by looking at the credit card 500, and the misuse is prevented. can do. Further, the credit card 500 according to the second embodiment includes a personal identification number input unit 1001 in the card payment device, and therefore, inputs a personal identification number to the credit card 500 as compared with the credit card 100 according to the first embodiment. It is not necessary to provide a numeric keypad for performing the determination and a keyboard for displaying the determination result.

[Embodiment 3]
Next, a credit card 1300, which is an example of a card according to the third embodiment, a payment device of the credit card 1300, a card payment processing program, and a card payment processing method will be described.

(Appearance of credit card 1300)
The external appearance of the credit card 1300 is the same as the credit card 500 according to the second embodiment, although illustration is omitted. That is, credit card 1300 includes an IC chip. The IC chip is a non-contact type IC chip, and is embedded and embedded in the credit card 1300.

  Also, the credit card 1300 according to the third embodiment has no embossed numbers or the like, and has no characters or patterns printed thereon, like the credit card 500 according to the second embodiment. Both the "surface" and the "back surface" are patternless and one color (for example, white).

  Therefore, the credit card 1300 includes the card type, card company name, card company logo, card number, expiration date, owner's name, security code, owner's signature, information about the card company (address, telephone number). ), And other precautionary statements are not described, and there is no magnetic code. Like the credit card 500, the credit card 1300 is also a so-called “no-prawler” card. Like the credit card 100 according to the first embodiment and the credit card 500 according to the second embodiment, the IC chip uses a contact-type IC chip and is located on the left side of the center of the “front side” of the credit card 1300. It may be provided so as to be seen slightly above.

(Functional Configuration of Credit Card 1300)
Next, a functional configuration of a credit card 1300 which is a card according to the third embodiment will be described. FIG. 13 is a block diagram showing a functional configuration of a card (credit card 1300) according to the third embodiment of the present invention. In the block diagram of FIG. 13, the credit card 1300 includes a storage medium 1302, a card information request receiving unit 1303, and a card information output unit 1304.

  The storage medium 1302 stores one or more pieces of card information. The card information includes personal identification number information. A specific example of the card information stored in the storage medium 1302 has the same contents as the storage medium 201 according to the first embodiment shown in FIG. Specifically, the function of the storage medium 1302 can be realized by, for example, a predetermined storage area in an IC chip and a control unit that writes and reads data to and from the storage area.

  The card information request receiving unit 1303 receives a request for card information including personal identification number information output from a card payment device (store terminal device 1400) described later. Specifically, the function of the card information request receiving unit 1303 can be realized by, for example, an interface unit that controls input and output of data to and from the outside in the IC chip and a control unit in the IC chip.

  The card information output unit 1304 outputs card information, including personal identification number information, stored in the storage medium 1302 to the card payment device (store terminal device 1400) in response to the request received by the card information request receiving unit 1303. I do. More specifically, the function of the card information output unit 1304 can be realized by, for example, an interface unit that controls input and output of data to and from the outside in the IC chip and a control unit in the IC chip.

  Further, although not shown, the credit card 1300 may include a battery to be supplied to each unit. In addition to the battery or in place of the battery, a unit (power acquisition unit) for receiving power from an external power supply may be provided.

(Functional Configuration of Store Terminal 1400)
Next, a functional configuration of a store terminal device 1400 as a card payment device according to the third embodiment will be described. Note that the card settlement system including the store terminal device 1400 is the same as the card settlement system 800 according to the second embodiment, and thus illustration and description thereof are omitted. Further, the hardware configuration of the store terminal device 1400 is the same as the hardware configuration of the store terminal device 820, and thus illustration and description thereof are omitted.

  FIG. 14 is a block diagram illustrating a functional configuration of a card payment device (store terminal device 1400) according to the third embodiment of the present invention. In the block diagram of FIG. 14, the store terminal device 1400 includes a card information request unit 1401, a password information input unit 1402, a password input unit 1403, a password determination unit 1404, a card information input unit 1405, and a payment amount information input unit 1406. , An authentication request information transmitting unit 1407, an authentication permission information receiving unit 1408, a payment processing unit 1409, and a display unit 1410.

  The card information requesting unit 1401 requests the credit card 1300 to output card information including personal identification number information. Specifically, the function of the card information requesting unit 1401 can be realized by an interface connected to the credit card 1300 such as the card readers 918 and 934 shown in FIGS. 9A and 9B.

  The password information input unit 1402 inputs password information output from the credit card 1300. Specifically, the function of the personal identification number information input unit 1402 can be realized by an interface connected to the credit card 1300 such as the card readers 918 and 934 shown in FIGS. 9A and 9B.

  The password input unit 1403 accepts input of a password entered by the card owner himself. Specifically, the function of the password input unit 1403 can be realized by the keyboards 915 and 928 shown in FIGS. 9A and 9B, for example.

  The password determination unit 1404 compares the password information input unit 1402 with the password information input by the password input unit 1403, and determines whether there is any matching password information. The password determining unit 1404 implements its function by the CPUs 911 and 921, the ROMs 912 and 922, the RAMs 913 and 923, the HDDs 924, and the HD 925 illustrated in FIGS. 9A and 9B.

  Note that the card information input unit 1405, the payment amount information input unit 1406, the authentication request information transmission unit 1407, the authentication permission information reception unit 1408, the payment processing unit 1409, and the display unit 1410 correspond to the card of the store terminal device 820 in the second embodiment. The information input unit 1003, the payment amount information input unit 1004, the authentication request information transmission unit 1005, the authentication permission information reception unit 1006, the payment processing unit 1007, and the display unit 1008 have the same configuration, and the description is omitted.

(Processing Procedure of Store Terminal 1400)
Next, a processing procedure of the store terminal device 1400 as the card payment device according to the third embodiment will be described. FIG. 15 is a flowchart illustrating a processing procedure of the card payment device (store terminal device 1400) according to the third embodiment of the present invention.

  In the flowchart of FIG. 15, it is determined whether the credit card 1300 has been set at a predetermined position of the store terminal device 1400 (step S1501). Here, the process waits for the credit card 1300 to be set at a predetermined position (step S1501: No), and when the credit card 1300 is set (step S1501: Yes), requests the personal identification number information from the credit card 1300. (Step S1502). Then, in response to the request, the personal identification number information is acquired from the credit card 1300 (step S1503).

  Next, it is determined whether or not a password has been input (by the card holder) from the keyboards 915 and 928 of the store terminal device 1400 (step S1504). Here, after waiting for the input of the personal identification number (step S1504: No), if the personal identification number is input (step S1504: Yes), the personal identification number information obtained in step S1503 is compared with the input personal identification number, and the inputted personal identification number is compared. It is determined whether there is password number information that matches the number (step S1505).

  If there is no matching password number information in step S1505 (step S1505: No), for example, as shown in FIG. 11B, information to that effect (NG information) and information to have the user input the password again are displayed (FIG. 11B). Step S1506), and return to step S1504. Although illustration is omitted, when steps S1504 to S1506 are repeated a predetermined number of times, a series of processes may be ended without returning to step S1504.

  If there is matching password information in step S1505 (step S1505: YES), the credit card 1300 is requested for card information corresponding to the matching password information (step S1507). Then, in response to the request, card information is obtained from the credit card 1300 (step S1508). After that, the processing shifts to Step S1509.

  The processing in steps S1509 to S1513 is the same as that in steps S1206 to S1210 of the shop terminal device 820 according to the second embodiment shown in the flowchart of FIG. 12, and a description thereof will be omitted.

(Example of payment procedure using credit card 1300)
When making a payment with the credit card 1300, first, the owner of the credit card 1300 sets the credit card 1300 at a predetermined position of the store terminal device 1400 (or hands the credit card 1300 to a store clerk and gives the store clerk the credit card 1300). After that, the personal identification number corresponding to the type of the card to be used is input using the keyboards (numeric keys) 915 and 928. After the input, if the password is correct, the card information corresponding to the password is obtained from the credit card 1300 and displayed on the displays 914 and 926 of the store terminal device 1400.

  Then, the store clerk inputs a payment amount to the store terminal device 1400. The input of the settlement amount by the store clerk is, for example, input from the keyboards 915 and 928, input from the barcode scanner 929, and the like.

  The store terminal device 1400 transmits the card information read from the set credit card 1300, the personal identification number, and the payment amount information input by the clerk to the server 810 of the card company, and requests a payment process. Since the personal identification number information has already been obtained, the card holder is not required to input the personal identification number again (or may be required to input the personal identification number again just in case. Good).

  After that, when the payment processing is completed, the receipt is printed by the store terminal device 1400. The store clerk hands the receipt to the card holder together with the credit card 1300, and a series of settlement procedures is completed.

  As described above, according to the credit card 1300 and the card payment device (store terminal device 1400) according to the third embodiment, when the credit card 1300 is used, the personal identification code is used in the same manner as the credit cards 100 and 500 according to the first and second embodiments. Only when the number is input, the card information corresponding to the input personal identification number is output to the outside, and the payment processing can be performed. , Can prevent abuse. Further, since the credit card 1300 according to the third embodiment includes the personal identification number input unit 1403 in the card payment device, the personal identification number is input to the credit card 1300 as compared with the credit card 100 according to the first embodiment. It is not necessary to provide a numeric keypad for performing the determination and a keyboard for displaying the determination result. Further, since the means for determining whether the passwords match each other is provided in the card settlement apparatus, the IC chip of the credit card 1300 does not need to make the determination.

  As described above, the credit card 100 according to the present embodiment includes a storage medium 201 for storing card information including one or a plurality of password information, a password input unit 202 for inputting a password, and a password A password determination unit 203 that compares the password input by the input unit 202 with the password information stored in the storage medium 201 and determines whether there is matching password information; and a password determination unit. And a card information output permitting unit 206 for permitting the output of card information corresponding to the matched password information stored in the storage medium 201 based on the determination result by the password 203. Only when this is done, the desired card information is output and payment can be performed. Therefore, in other cases, the card information cannot be obtained, and it is possible to prevent others from misusing the card information.

  The credit card 500 according to the present embodiment includes a storage medium 601 for storing card information including one or a plurality of personal identification numbers, a personal identification number input from a card payment device (store terminal device 820), and a storage device. The storage medium 601 is compared with the personal identification number information stored in the medium 601 to determine whether or not there is matching personal identification number information. And a card information output permitting unit 605 for permitting the output of the stored card information corresponding to the matched password information. The card payment device (store terminal device 820) inputs the password by inputting the password. Since the input unit 1001 and the personal identification number information output unit 1002 for outputting the input personal identification number information to the credit card 500 are provided, Only when the correct code number is input to the finished device (the shop terminal 820), the desired card information is output, it is possible to perform settlement. Therefore, in other cases, the card information cannot be obtained, and it is possible to prevent others from misusing the card information.

  In addition, since the credit cards 100 and 500 of the present embodiment include the judgment result display unit for displaying information regarding the judgment result by the password judgment unit, the input of the password is correctly performed, and the card information is securely input. It is possible to easily and surely know whether or not the output can be performed.

  In addition, the card payment device (store terminal device 1400) of the present embodiment provides, from the storage medium 1302 provided on the card, the personal identification number information for acquiring the personal identification number information of at least one card stored in the storage medium 1302. An input unit 1402, a password input unit 1403 for receiving an input of a password, and a password input by the password input unit 1403 are compared with the password information acquired by the password information input unit 1402, and matched. A password identification unit 1404 that determines whether there is password number information to be provided, and, based on the determination result by the password identification unit 1404, from the storage medium 1302 to the matched password number information stored in the storage medium 1302. A card information input unit 1405 for acquiring corresponding card information, and a card information input unit 1405 for acquiring card information Since it includes a payment processing execution unit (authentication request information transmission unit 1407, authentication permission information reception unit 1408, and payment processing unit 1409) that executes payment processing using card information, the card payment device (store terminal device 1400) The desired card information is output only when a correct password is input to ()), and the payment can be performed. Therefore, in other cases, the card information cannot be obtained, and it is possible to prevent others from misusing the card information.

  In addition, the card payment device (store terminal device 1400) of this embodiment includes the display unit 1410 that displays a part of the card information acquired by the card information input unit 1405, so that the card owner or the store clerk can be used. However, the contents of the acquired card information can be easily and reliably known, and the payment processing can be performed safely and smoothly.

  The card information input unit 1405 obtains, from the storage medium 1302, the image information of the card owner stored in the storage medium 1302 based on the result of the determination made by the personal identification number determination unit 1404, and displays the image information Can be displayed, the store clerk can easily confirm the portrait of the cardholder, and the payment processing can be performed more safely and smoothly.

  The card payment processing method described in this embodiment can be realized by executing a prepared program on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  As described above, the card, the card payment device, the card payment processing program, and the card payment processing method according to the present invention provide a card, a card payment device, a card payment processing program, and a card payment process for performing a payment process using a card such as a credit card. The present invention is useful for a method, and is particularly suitable for a card, a card payment device, a card payment processing program, and a card payment processing method for preventing unauthorized use due to loss or theft and promoting protection of personal information.

100, 500, 1300 Credit card 101, 501 IC chip 102 Numeric keypad 103 Display 201, 601, 1302 Storage medium 202 PIN input section 203, 603 PIN determination section 204 Judgment result display section 205, 604 Card information output section 206, 605 Card information output permitting unit 602 PIN code information input unit 800 Card payment system 810 server 820, 1400 Store terminal device 1001, 1403 PIN code input unit 1002 PIN code information output unit 1003, 1405 Card information input unit 1004, 1406 Payment amount information input Units 1005, 1407 authentication request information transmitting unit 1006, 1408 authentication permission information receiving unit 1007, 1409 payment processing units 1008, 1410 display units 1101, 1102 display screen 1111 True) Information 1303 Card information request receiving unit 1304 Card information output unit 1401 Card information request unit 1402 PIN code information input unit 1404 PIN code judgment unit

Claims (5)

A storage medium for storing one or more pieces of card information including personal identification number information,
An input unit for receiving an input of a password,
A password input by the input unit, and a password comparing the password information stored in the storage medium, a determination unit to determine whether there is a password information that matches,
If the determining unit determines that there is matching password information, it corresponds to the matching password information stored in the storage medium for a predetermined period from when it is determined that there is matching password information. An output permission unit for permitting output of card information to be output;
When output of the card information is permitted by the output permission unit, a control unit that displays a part of the card information on a display unit,
A card comprising: The input unit receives input of information related to the password from an external device,
The control unit causes a part of the card information to be displayed on the display unit of the external device.
The card according to claim 1, wherein: The card information includes information on a card indicating at least one of a type of the card, a number of the card, and a company related to the card,
When the output of the card information is permitted by the output permission unit, the control unit displays information about a card included in the card information.
The card according to claim 1 or 2, wherein: The card information includes image information of the owner of the card,
  The control unit, when output of the card information is permitted by the output permission unit, to display the image information included in the card information,
  The card according to claim 1, wherein: When it is determined that there is a plurality of card information related to the matching password information by the determination unit, a part of each of the plurality of card information corresponding to the matching password information is displayed on the display unit,
  The card according to any one of claims 1 to 4, wherein the input unit receives an instruction to select any one of the plurality of pieces of card information displayed on the display unit. .

Images