JP6705290B2 - Multi-payment card issuing system, terminal device and computer program - Google Patents

Description

The present invention relates to a technique for registering a payment card in a multi-payment card, which is a card type device that can support a plurality of payment methods.

Patent Documents 1 and 2 disclose a multi-payment card that is a card-type device that is compatible with a plurality of payment methods and that is different from the previously known multi-application IC card.

In the case of a multi-application type IC card, a plurality of applications are loaded into the multi-application type IC card so as to support a plurality of payment methods, but in the case of a multi-payment card, a payment card The magnetic encoded data read from the magnetic stripe is stored in the multi-payment card.

FIG. 7 is a diagram illustrating a conventional method of issuing a multi-payment card. Note that issuing a multi-payment card means registering the magnetic encoded data encoded in the magnetic stripe of the payment card in the multi-payment card.

The conventional method of issuing a multi-payment card requires a multi-payment card, a payment card having a magnetic stripe, a dedicated swipe-type reader/writer that reads magnetic encoded data from the magnetic stripe of the payment card, and a smartphone. The smartphone and the dedicated reader/writer are connected to the smartphone via the USB terminal of the smartphone or the audio jack of the smartphone.

In order to register a payment card in a multi-payment card, an application developed by a multi-payment card maker is required. When a user starts using the multi-payment card, the user downloads this application from an application store on the network to a smartphone. When the user activates the application downloaded to the smartphone, selects the menu item related to payment card registration, and then swipes the magnetic stripe of the payment card to the dedicated reader/writer with the dedicated reader/writer connected to the smartphone. , The magnetic encoded data encoded in the magnetic stripe of the payment card is read by the dedicated reader/writer. The dedicated reader/writer sends the magnetic encoded data read from the payment card to the smartphone, and the smartphone sends the control code for registering the payment card and the magnetic encoded data received from the dedicated reader/writer to the multi-payment card, and then the payment card. Register the magnetically encoded data of to the payment card.

Pub.No.: US 2015/0192647 Publication Patent No.: US 8,998,096

However, the conventional method of issuing a multi-payment card requires a dedicated reader/writer and a swipe operation for the payment card. If a special reader/writer is required to issue a multi-payment card, the cost of distributing the special reader/writer becomes a problem. Further, if the payment card swipe operation is required to issue the multi-payment card, the payment card swipe operation becomes troublesome.

Therefore, it is an object of the present invention to issue a multi-payment card without the need for a dedicated reader/writer.

A first invention for solving the above-mentioned problems is a multi-payment card issuing system including at least a multi-payment card and a terminal device. The terminal device according to the first aspect of the present invention includes a terminal communication unit used for communication with the multi-payment card, a camera unit used for photographing a payment card having a magnetic stripe, and an operation for registering the payment card. Then, the camera unit is actuated to obtain a face image of the payment card photographed by the camera unit, image analysis of the face image of the payment card is performed, and the face of the payment card is printed. Processing for identifying existing card data, processing for generating magnetic encoded data encoded in the magnetic stripe of the payment card using the card data, and magnetic encoding for the terminal using the terminal communication unit. Card management means for performing processing of transmitting data to the multi-payment card is provided. In the multi-payment card according to the first aspect of the present invention, there are provided a card communication unit used for communication with the terminal device, a memory unit for storing the magnetic encoded data received from the terminal device, and the card communication unit. The memory unit includes means for storing the magnetically encoded data received from the terminal device. Further, a second invention for solving the above-mentioned problems is a terminal device which constitutes the multi-payment card issuing system described in the first invention. Furthermore, a third invention for solving the above-mentioned problems is a computer program for causing a computer to function as a card management means of a terminal device which constitutes the multi-payment card issuing system described in the first invention.

Since the present invention described above is configured so that the multi-payment card can be issued by using the card data printed on the face of the payment card, the multi-payment card can be issued without the need for a dedicated reader/writer. You can do it.

The figure explaining the structure of a multi payment card issuing system. The figure explaining a payment card. The figure explaining a multi-payment card. The block diagram of a terminal device. The figure explaining operation|movement of the card management means of a terminal device. The figure explaining the process which acquires card data from the face image of a payment card. The figure explaining the conventional method of issuing a multi-payment card.

The preferred embodiments of the present invention will now be described. It should be noted that the following description does not limit the scope of the present invention, but is provided to facilitate understanding.

FIG. 1 is a diagram illustrating a configuration of a multi-payment card issuing system 1 according to the present embodiment. The multi-payment card issuing system 1 according to the present embodiment is a system devised so that the magnetic encoded data of the payment card 12 can be registered in the multi-payment card 11 without using a magnetic card reader. The multi-payment card issuing system 1 illustrated in FIG. 1 includes at least a multi-payment card 11 in which magnetic encoded data encoded in the magnetic stripe 125 of the payment card 12 is registered, and a terminal device 10 including a camera unit 102.

First, the payment card 12 according to the present embodiment will be described. FIG. 2 is a diagram for explaining the payment card 12 according to the present embodiment, FIG. 2(a) is a diagram for explaining the front face of the payment card 12, and FIG. 2(b) is for a back face of the payment card 12. It is a figure explaining. Although the payment card 12 is shown as a credit card in FIG. 2, the payment card 12 may be a debit card.

The payment card 12 according to the present embodiment is a card in which at least a part of the card data included in the magnetically encoded data encoded in the magnetic stripe 125 is printed on the face of the bill. As shown in FIG. 2A, on the surface of the payment card 12, a brand mark representing the brand of the payment card 12 and an account number (here, "1234 5678 9012 3456" are provided as characters and patterns related to the card data. )), the expiration date (here “00/00”) 122, and the name of the user who owns the payment card 12 (here “Taro Nippon”). The printed character string 123 is printed. In addition, as shown in FIG. 2B, a security code such as CCV (Card Verification Value) and CVC (Card Validation Code) (here, " The character string 124 representing “012”) is printed on the signature area 126 of the payment card 12.

Next, the multi-payment card 11 will be described. The multi-payment card 11 is a card-type device that is compatible with a plurality of payment methods, and the payment card 12 according to this embodiment is based on Patent Document 1.

FIG. 3 is a diagram illustrating the multi-payment card 11 according to this embodiment. 3, FIG. 3(a) is a diagram showing the front surface of the multi-payment card 11, FIG. 3(b) is a diagram showing the back surface of the multi-payment card 11, and FIG. 3(c) is a block diagram of the multi-payment card 11. Is.

As shown in FIG. 3A, a button device 113 and a display 114 are provided on the surface of the multi-payment card 11. The button device 113 provided on the surface of the multi-payment card 11 is a device used for operating the multi-payment card 11, and among the payment cards 12 in which magnetic encoded data is registered in the multi-payment card 11, the payment card 12 used for payment. It is used to select. The display 114 provided on the surface of the multi-payment card 11 is an electronic paper, a liquid crystal display, or the like, and is used for displaying the valid payment card 12.

As shown in FIG. 3B, a stripe area 117 and a signature area 118 are provided on the back surface of the multi-payment card 11. The stripe area 117 provided on the back surface of the multi-payment card 11 is an area in contact with a magnetic head of a magnetic card reader installed in a store or the like. The signature area 118 provided on the back surface of the multi-payment card 11 is an area in which the user writes a signature by hand, like the area provided on the back surface of a general credit card.

As shown in FIG. 3C, the multi-payment card 11 includes an IC 110, a memory unit 112, a dynamic magnetic emulator 115, and a card communication unit 111 in addition to the display 114 and the button device 113 which have already been described. , FIG. 3C shows a battery 116 that supplies electric power to the multi-payment card 11.

The dynamic magnetic emulator 115 of the multi-payment card 11 is a circuit arranged at a location corresponding to the stripe area 117 of the multi-payment card 11 and configured to emulate magnetically encoded data. The card communication unit 111 is a communication circuit for wirelessly communicating with an external device (here, the terminal device 10). The card communication unit 111 is preferably a wireless communication circuit for Bluetooth (registered trademark), but may be another communication circuit such as WiFi or USB.

The memory unit 112 of the multi-payment card 11 is configured by using an electrically rewritable non-volatile memory. In addition to a computer program for operating the IC 110 of the multi-payment card 11, a table for registering magnetic encoded data of the payment card 12 is provided. Remember.

The IC 110 of the multi-payment card 11 is a device that controls the multi-payment card 11, and the card communication unit 111 registers the payment card 12 in the multi-payment card 11 when a computer program stored in the memory unit 112 is activated. When the magnetic encoded data is received from the terminal device 10, a unit for performing a process of storing the magnetic encoded data received from the terminal device 10 in the memory unit 112 is provided. Note that when the multi-payment card 11 is used for payment, another computer program is activated, and the IC 110 of the multi-payment card 11 uses the button device 113 to determine the payment card 12 to be used for payment. The magnetic encoded data of the payment card 12 determined by using the above is emulated by the dynamic magnetic emulator 115.

Next, the terminal device 10 will be described. In FIG. 1, the terminal device 10 according to the present embodiment is illustrated as a smartphone, but a tablet computer having a camera function, a personal computer having a camera function, or the like can also be used as the terminal device 10.

FIG. 4 is a block diagram of the terminal device 10 according to the present embodiment. As illustrated in FIG. 4, the terminal device 10 according to the present embodiment includes a touch panel 106 and a terminal communication unit 103 in addition to the processor 101, the camera unit 102, and the memory unit 104.

The camera unit 102 of the terminal device 10 includes a lens, an image sensor (for example, COMS), a circuit that processes the output of the image sensor, and the like. The memory unit 104 of the terminal device 10 includes a RAM (Random Access Memory), an electrically rewritable nonvolatile memory, and the like, and stores an application 105 developed by the manufacturer of the multi-payment card 11. The touch panel 106 of the terminal device 10 is a device in which a display device and a touch device are combined and configured to be operated by a finger. The terminal communication unit 103 of the terminal device 10 is a communication circuit corresponding to the card communication unit 111 of the payment card 12.

The processor 101 of the terminal device 10 is a device having a function of controlling the terminal device 10. When the application 105 stored in the memory unit 104 is activated, the card management means 100 having a management function of the multi-payment card 11 is operated by the terminal device. Prepared for 10.

FIG. 5 is a diagram for explaining the operation of the card management means 100 of the terminal device 10. When the menu item related to registration of the payment card 12 is tapped from the menu screen, the card management means 100 of the terminal device 10 causes the touch panel 106 to display a screen including an icon for operating the camera unit 102 (S1). ..

When the user taps the icon that activates the camera unit 102, the card management means 100 of the terminal device 10 activates the camera unit 102 (S2), and when the user photographs the payment card 12, the payment photographed by the camera unit 102. The face image of the card 12 is acquired from the camera unit 102 (S3).

Next, the card management unit 100 of the terminal device 10 performs image analysis (for example, character recognition) on the face image of the payment card 12 acquired from the camera unit 102, and obtains the card data printed on the face of the payment card 12. Specify (S4).

When the pattern related to the card data is printed on the front face and the back face of the payment card 12 as shown in FIG. 2, the card management means 100 of the terminal device 10 causes the front face of the payment card 12 to be printed. Is captured by the user to obtain card data printed on the front face image of the payment card 12, and then the back face of the payment card 12 is photographed by the user and printed on the back face image of the payment card 12. Get the card data.

Next, the card management means 100 of the terminal device 10 uses the card data acquired from the face image of the payment card 12 to generate magnetic encoded data of the payment card 12 (S5). The specifications of the magnetically encoded data are defined by the JIS standard (for example, JIS-1 type, JIS-2 type) or the like, and the card management means 100 of the terminal device 10 according to the present embodiment uses a card as a template of the magnetically encoded data. Magnetically encoded data is generated by embedding the data.

Next, the card management means 100 of the terminal device 10 uses a command code for registering the payment card 12 in the multi-payment card 11 and magnetically encoded data generated using card data obtained from the face image of the payment card 12 into the multi-payment card. 11, the magnetically encoded data of the payment card 12 is registered in the multi-payment card 11 (S6), and this procedure ends.

A process of acquiring card data from the face image of the payment card 12 will be described with reference to the payment card 12 illustrated in FIG. FIG. 6 is a diagram illustrating a process of acquiring card data from the face image of the payment card 12.

FIG. 6A is a front face image 13 of the payment card 12. When acquiring card data from the front face image 13 of the payment card 12, the card management means 100 of the terminal device 10 first uses image matching technology or the like to perform the brand mark included in the front face image 13 of the payment card 12. Image 130 is identified, and the brand of the payment card 12 is identified from the brand mark image 130.

FIG. 6B is a layout 14 of card data. Since the layout 14 for arranging the characters/patterns related to the card data on the face of the payment card 12 is determined by the brand of the payment card 12, the card management means 100 of the terminal device 10 determines from the front face image 13 of the payment card 12 to the card data. As the layout 14 to be used when acquiring, the layout 14 corresponding to the identified brand of the payment card 12 is acquired from a predetermined DB. The DB that stores the layout 14 corresponding to the brand of the payment card 12 may be included in the terminal device 10 or may be included in a server on the network. Further, in addition to the layout 14 corresponding to the brand of the payment card 12, a template of magnetic encoded data corresponding to the brand of the payment card 12 can be acquired from the DB.

The layout 14 corresponding to the brand of the payment card 12 is set with a layout frame 140 for arranging characters and patterns related to the card data. The layout 14 shown in FIG. 6(b) is for a front face, and the layout 14 shown in FIG. 6(b) has a layout frame 140a for a character string representing an account number and a character string representing an expiration date. A layout frame 140b for a character string and a layout frame 140c for a character string representing the name of the user who owns the payment card 12 are arranged.

FIG. 6C is a diagram in which the layout 14 illustrated in FIG. 6B is superimposed on the front surface image of the payment card 12 illustrated in FIG. 2A. The card management unit 100 of the terminal device 10 extracts the image in the layout frame 140 from the front face image 13 of the payment card 12 for each layout frame 140 included in the layout 14 corresponding to the brand of the payment card 12, and the layout frame The card data corresponding to the layout frame 140 is acquired by recognizing the image in the image 140. In FIG. 6C, the account number is obtained by character-recognizing the image 131a in the layout frame, the expiration date is obtained by character-recognizing the image 131b in the layout frame, and the image 131c in the layout frame is obtained. The name can be obtained by recognizing the characters. In addition, a security code can be obtained from the back face image of the payment card 12 by the same procedure.

If there is card data that is not printed on the face of the payment card 12, the card management means 100 of the terminal device 10 may be configured so that the user can input this card data. For example, in the case of a credit card, the country code of the issuer who issued the payment card 12 may be encoded on the magnetic stripe 125, but since it is not printed on the face of the payment card 12, the country code is the face image of the payment card 12. Card data that cannot be obtained from In this case, the card management means 100 of the terminal device 10 may be configured so that the user selects a country name (for example, Japan) and acquires the country code corresponding to the country name selected by the user.

DESCRIPTION OF SYMBOLS 1 Multi-payment card issuing system 10 Terminal device 100 Card management means 102 Camera unit 103 Terminal communication unit 104 Memory unit 11 Multi-payment card 110 IC
111 Card Communication Unit 112 Memory Unit 12 Payment Card 125 Magnetic Stripe

Claims (3)

A multi-payment card issuing system comprising at least a multi-payment card and a terminal device,
The terminal device is
A terminal communication unit used for communication with the multi-payment card,
A camera unit used for shooting a payment card with a magnetic stripe,
When an operation of registering the payment card is performed, the camera unit is operated to obtain a face image of the payment card photographed by the camera unit, an image analysis of the face image of the payment card is performed, and A process of identifying card data printed on the face of a payment card, a process of using the card data to generate magnetic encoded data encoded in a magnetic stripe of the payment card, and communication for the terminal Card management means for performing a process of transmitting the magnetically encoded data to the multi-payment card using a unit;
Equipped with
The multi-payment card is
A card communication unit used for communication with the terminal device;
A memory unit for storing the magnetically encoded data received from the terminal device;
Means for causing the memory unit to store the magnetically encoded data received by the card communication unit from the terminal device;
Equipped with
A multi-payment card issuing system characterized by A terminal device that constitutes the multi-payment card issuing system according to claim 1. A computer program for causing a computer to function as a card management unit of a terminal device that constitutes the multi-payment card issuing system according to claim 1.

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