JPH09185686A - Card correctness confirmation system and card correctness confirmation method using the system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent the wrong issue of a credit card even when the card is instantaneously issued at a store, etc., by performing the triple check of a check code that is calculated from the identification numbers proper to a card and a customer respectively and permitting the issue of the credit card only when the check code is correct. SOLUTION: When a person in charge receives a prescribed notification and puts a card 1 to be newly issued into a card reader/writer 12, a card number 0001 is read and an input request is outputted to a display device for a member number. When the person in charge inputs the member number of a customer via a keyboard 11, a processor 10 calculates a check code from the card number and the member number and outputs an input request of the check code to the display device. When the person in charge inputs the notified check code via the keyboard 11, the processor 10 compares the inputted check code value with the value of the check code that is calculated by the processor 10 itself and then requests the input of the customer's password number when the coincidence is confirmed between both check code value.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for confirming the legitimacy of a card such as a credit card or a prepaid card used when selling a product or providing a service, and prevents illegal issuance and illegal use of the card. Regarding the system.

[0002]

2. Description of the Related Art Credit cards, prepaid cards, and the like can be read by reading a personal identification number recorded on the card or a check code for identifying the validity of the card.
There is a risk of being illegally used by being illegally issued, and used cards being altered or forged. Therefore, the information written on the credit card or the like is devised to prevent forgery or alteration by a method of encrypting each information or using a plurality of identification information. Therefore, there is a problem that the information registered in the card becomes complicated and becomes large in quantity. Therefore, even in the case of a credit card or the like which has conventionally used a plastic card having a magnetic stripe (hereinafter referred to as a Mg card), an IC card having higher safety and capable of storing a large amount is used. It's starting to happen. However, in terms of price, IC cards are more expensive than Mg cards, and from the standpoint of credit card issuing companies that issue large numbers of cards, it is desirable to be able to use low-cost IC cards with as little capacity as possible. .

Further, in the conventional credit card, it is necessary to perform a detailed credit check including examination because the credit limit cannot be completely checked at each credit purchase company. In addition, there is a problem that it takes a long time to issue a card to a customer due to the card creation and mailing period. In order to solve this problem, it is attempted to immediately issue a card on the spot, but a certain amount of pre-issued cards must be stocked at the issue counter.
In this case, even if the information on the card is difficult to recognize from the outside by means of encryption etc., if it is illegally issued by the issuer, it is a principle to prevent the use of the card. Since it is not possible to increase the number of issuing points, it is necessary to dispatch employees such as credit companies to issuing points.

[0004]

SUMMARY OF THE INVENTION The present invention has an object to prevent unauthorized issuance of a credit card even when issuing a credit card immediately at a store or the like. Since it is impossible to forge or alter even when using it, it is possible to sell highly secure credits, etc., and it is possible to reduce the amount of information registered on the card, so the amount of information that can be registered Magnetic recording card and IC with small storage capacity
Even with a card, it provides a means for constructing a highly secure credit card system.

[0005]

[Means for Solving the Problems] The means for solving the above problems according to the present invention are, as described in the claims, the first identification information defined for the card and the second identification information defined for the customer. Means for deriving the third identification information from the identification information, and means for deriving the fourth identification information from the third identification information derived by the means for deriving the third identification information and the identification information arbitrarily set by the customer. , A means for comparing the fourth identification information guided by the means for guiding the fourth identification information with the fourth identification information written on the card, and permitting the use of the card when the comparison result matches. Card validation system, and at least first identification and second
From the card in which the identification information and the fourth identification information are described, the means for reading the information in the card, the first identification information defined for the card, and the second identification information defined for the customer. Means for guiding the third identification information, means for inputting the identification information, identification information arbitrarily set by the customer, and third
Has means for deriving the fourth identification information from the identification information and means for comparing the identification information, and the means for deriving the third identification information when the card is used reads the information written on the card. The means derives the third identification information from the first identification information and the second identification information read from the card, and the means for deriving the fourth identification information inputs the third identification information and the identification information. The fourth identification information is derived from the identification information arbitrarily input by the customer and determined by the customer, and the means for comparing the identification information is provided with the derived fourth identification information and the fourth identification written on the card. A third method from the method of confirming the validity of a card that compares information and permits the use of the card when the comparison result is in agreement, and the first identification information defined for the card and the second identification information defined for the customer. And the means for guiding the identification information of Means for deriving the third identification information from the identification information arbitrarily determined by the user and the fourth identification information written on the card, the third identification information derived by the means for deriving the former third identification information, and the latter A card validity checking system having means for comparing the third identification information derived by the means for deriving the third identification information and permitting the use of the card when the comparison results match, and at least the first identification A card on which the information, the second identification information and the fourth identification information are described, a means for reading the information on the card, a first identification information defined on the card and a second identification defined on the customer. Means for deriving third identification information from the information,
Means for inputting identification information, means for deriving third identification information from the identification information and fourth identification information arbitrarily set by the customer,
The means for comparing the identification information and the means for guiding the former third identification information when the card is used are the first identification information and the first identification information read from the card by the means for reading the information written on the card. The third identification information is derived from the second identification information,
The latter means for deriving the third identification information derives the third identification information from the identification information arbitrarily input by the customer from the means for inputting the identification information and the fourth identification information written on the card, The means for comparing the identification information compares the derived third identification information, and when the comparison results match, the card authenticity confirmation method for permitting the use of the card, and the first identification defined for the card Means for deriving the third identification information from the information and the second identification information determined for the customer, means for inputting the identification information, and third identification information derived by the means for deriving the third identification information And means for guiding the identification information corresponding to the identification information arbitrarily set by the customer from the fourth identification information written on the card, and means for inputting the identification information and the identification information guided by the means for guiding the identification information. Done A system for validating a card having means for comparing the identification information arbitrarily set by the customer and permitting the use of the card when the comparison results match, and at least the first identification information defined for the card and the customer A card in which the second identification information and the fourth identification information are written, a means for reading the information written in the card, and a means for deriving the third identification information from the first identification information and the second identification information The card has means for inputting identification information, means for deriving identification information corresponding to identification information arbitrarily set by the customer from the third identification information and the fourth identification information, and means for comparing the identification information. The means for deriving the third identification information when used is for deriving the third identification information from the first identification information and the second identification information read from the card by the means for reading the information written on the card. , The means for guiding the identification information corresponding to the identification information arbitrarily set by the customer derives the identification information corresponding to the identification information arbitrarily set by the customer from the third identification information and the fourth identification information written on the card. The means for comparing the identification information compares the derived identification information with the identification information arbitrarily input by the customer for inputting the identification information, and permits the use of the card when the comparison results match. Including how to check the validity of the card.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION

[0007]

Embodiment 1 FIGS. 1 to 3 are views showing an embodiment for implementing the method and system of the present invention. FIG. 1 is a diagram of the system of the present invention, and FIG. 2 is registered in a card used in the present invention. FIG. 3 is a diagram showing an example of information entry fields, and FIG. 3 is a flow chart of processing of the system of the present invention. In the figure, 1 is a card, 2 is the first of the cards
Identification information entry column, 3 is the second identification information entry column of the card, 4 is a check code entry column, 10 is a processing device, 11
Is a keyboard, 12 is a card reader / writer, 13 is a display device, 14 is a storage device, 15 is a communication adapter, 16
Is a pin pad, and 20 is a credit company system.

In this embodiment, the system shown in FIG. 1 is installed in a store that sells credits, and the system 20 is a large-scale system of a credit sales company that manages credit information. A plurality of cards 1 scheduled to be issued in advance are prepared in the store. In the card, identification information (hereinafter referred to as a card number) 0001 to 000N different for each card and registered for each card is registered in the first identification information entry field 2 (card number field). When a customer desires to purchase a product or the like by credit at a store, the person in charge of the store obtains information such as name, sex, date of birth, etc. from the customer and an identification number 0001 specific to the customer. Is assigned to the system and the system of 20 is assigned the card number to inquire about the customer's credit information. The inquiry is made online or the like via the adapter 15, but may be made offline via a facsimile or a telephone. The system of 20 investigates the creditworthiness of the customer by the inquiry, and when the creditworthiness is good and the credit sale is allowed, the customer identification number 1234 of the member information file stored in the storage device and the notification are sent. A first check code 1235 derived by a certain calculation is calculated from the received card identification number 0001 (in this example, the calculation is described as simple addition for simplification of description). Then the first check code 1
235 and the customer's identification number 1234 (hereinafter referred to as a membership number) are notified to this system by the same means as above.

In this system, when the person in charge receives the notification as shown in FIG. 3 and selects a new issuance of a card and puts the card to be issued in the reader / writer 12, the expiration date and limit amount of the card and the usage code Etc., the card number 0001 is read, and an input request for the member number is output to the display device. When the person in charge inputs the member number 1234 of the customer from the key board 11, the processing device 10 determines the check code 1235 from the two identification numbers.
Is calculated and a check code input request is output to the display device. Person in charge said first check code 1
When 235 is input from the keyboard 11, the processing device 10
Compares the input check code value with the self-calculated check code value. If they do not match, the card issuance is denied, and if they match, the customer's personal identification number is required to be input. When the customer inputs the personal identification number (four-digit identification number arbitrarily set by the customer) 1111 from the pin pad 16, the processing device 10 uses the personal identification number and the first check code 1235 to calculate the second check code 23.
46, enter this in the check code entry field 4 of the card, at the same time enter the customer's membership number 1234 in the item entry field 3 of the card, and use the card as information that allows the card to be issued. Enter the expiration date in field 6 to authorize the card to be issued. The personal identification number may be written on the card, but it can be omitted in the present invention.
In this way, a triple check of the identification number unique to the card, the identification number unique to the customer, and the check code calculated from these is performed, and the issuance of the card is permitted only when these are valid. Can be prevented as much as possible. In addition, the check code written on the card is different from the check code notified by the credit company, and is masked by the person in charge of issuing, so that it is more safe for later use.

When the user intends to purchase a product by using the card, when the user attaches the card and applies for credit purchase, the person in charge of the store selects the use of the card shown in FIG. The credit card 1 is inserted into the writer 12. The processing device 10 checks the card number and the customer number, checks the expiration date of use,
In addition, a customer code check (not shown) is performed, and the first check code 1235 is derived from the card number 0001 and the member number 1234 to request the display device to input the personal identification number. When the PIN is entered by the customer,
The processing device 10 derives the second check code from the first check code 1235 and the inputted personal identification number, compares the value with the value of the check code written on the card, and when they do not match, the card is checked. Refuse to use. When the values match, the processing device 10 displays an input request for the purchase amount on the display device 13. When the person in charge inputs the purchase amount of the product, the payment method, etc., the processing device 10 checks whether the amount is within the numerical value in the credit limit column of the card, and if it is not within the numerical value, a display that refuses credit sales. Is displayed on the display device 13, and when it is within the numerical value, credit sale is allowed, the current purchase amount is subtracted from the numerical value in the above-mentioned usage limit column, and the numerical value in this usage limit column is updated to the subtracted value. And return the card.

As described above, even if the credit card is immediately issued at the store, since it is checked based on the information of the system of the credit company or the like, it is possible to prevent the card from being illegally issued with a high probability. In addition, even when using the card, a third party is required to enter a personal identification number that cannot be recognized, and a check code derived by calculation from the personal identification number and a plurality of identification information is checked. It is possible to defend with a high probability from use.

Furthermore, by combining a customer's personal identification number and a plurality of identification information such as a check code,
It is not necessary to register each of them separately into a card, and a plurality of identification information can be used substantially even in an IC card having a small storage capacity and a card of a conventional magnetic recording system, and a highly secure card system is provided. There is an advantage that can be done.

[0013]

Second Embodiment FIG. 4 is a diagram showing the flow of processing used in another embodiment. Also in this embodiment, the procedure for issuing a credit card is the same as that described above.

In the case of purchasing a product with a card in the embodiment, when the user applies for the credit purchase with the card, the store selects the use of the card shown in FIG. The credit card 1 is inserted into the writer 12. In addition to checking the card number and the customer number, the processing device 10 also checks the expiration date of use, the other party code not shown, and the like, and derives the first check code 1235 from the card number 0001 and the member number 1234. Ask the customer to enter their PIN. When the personal identification number is input, the processing device 10 derives a value corresponding to the first check code from the value and the value of the second check code 2346 written on the card, and this and the first check code described above. The check code 1235 of the above is compared, and if they do not match, the use of the card is refused.

When the values match, the processor 10 displays a purchase price input request on the display device 13. When the person in charge inputs the purchase amount of the product, the payment method, etc., the processing device 10 checks whether the amount is within the numerical value in the credit limit column of the card, and if it is not within the numerical value, a display that refuses credit sales. Is displayed on the display device 13, and when it is within the numerical value, credit sale is allowed, the current purchase amount is subtracted from the numerical value in the above-mentioned usage limit column, and the numerical value in this usage limit column is updated to the subtracted value. And return the card. Also in this embodiment, since the card issuing is permitted by collating the identification number defined by the card company, the card number, and the personal identification number defined by the customer with the check code that combines these, it is possible to prevent illegal issuing with a high probability. it can. Also, when using the card, in order to check the check code derived from the calculation from multiple pieces of identification information,
High safety. In particular, the method of the present invention requires a personal identification number, which is decided by each individual member and can be known only by the individual, in order to judge the validity of the card, as compared with the conventional method, as in the above-described embodiment. Moreover, even if the information can be illegally decrypted from the card, the card cannot be used only with the information, and thus illegal use can be made extremely difficult.

Since the personal identification number and the check code are combined and recorded as one piece of information, an area for recording the personal identification number and the check code is required, and the recording area can be reduced as compared with the prior art. Because it is possible, it is possible to implement in small capacity IC chips and magnetic cards,
Economical effects are achieved because low prices can be realized.

[0017]

Third Embodiment FIG. 5 is a diagram showing the flow of processing used in another embodiment. Also in this embodiment, the procedure for issuing a credit card is the same as that described above.

[0018] In the case of purchasing a product with a card in the embodiment, when the user applies for the credit purchase with the card, the dealer selects the use of the card shown in Fig. 5, and the reader of the system. The credit card 1 is inserted into the writer 12. In addition to checking the card number and the customer number, the processing device 10 also checks the expiration date of use, the other party code not shown, and the like, and derives the first check code 1235 from the card number 0001 and the member number 1234. Moreover, the personal identification number 111 is calculated from the second check code 2346 and the first check code 1235 written on the card.
Lead one. Then, the processing device 10 prompts the customer to input the personal identification number. When the personal identification number is input, the processing device 10
The value is compared with the personal identification number 1111 obtained by the above-mentioned calculation, and if they do not match, the use of the card is refused.

When the values match, the processing unit 10 displays a purchase price input request on the display unit 13. When the person in charge inputs the purchase amount of the product, the payment method, etc., the processing device 10 checks whether the amount is within the numerical value in the credit limit column of the card, and if it is not within the numerical value, a display that refuses credit sales. Is displayed on the display device 13, and when it is within the numerical value, credit sale is allowed, the current purchase amount is subtracted from the numerical value in the above-mentioned usage limit column, and the numerical value in this usage limit column is updated to the subtracted value. And return the card. This embodiment also has the same effect as described above. It should be noted that the updating of the above-mentioned limit amount is not essential in the present invention.

[0020]

According to the present invention, the credit card can be immediately issued and the credit can be sold at the store simply by providing a small-scale system at the store.
Credit sales with high sales promotion capability become possible, and since the identification information for confirming the legitimacy can be obtained only after inputting the arbitrarily specified identification information known only to the customer, the credit card is illegally used. It is possible to prevent this with a high probability, and while describing a plurality of identification information on the card, it requires a small storage area,
Even with a card having a small storage capacity, a highly secure credit card, prepaid card, or the like can be realized.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of information written on a card used in an embodiment of the present invention.

FIG. 3 is a diagram showing a processing flow of an embodiment of the present invention.

FIG. 4 is a diagram showing a processing flow of an embodiment of the present invention.

FIG. 5 is a diagram showing a processing flow of an embodiment of the present invention.

[Explanation of symbols]

 1 card 2 card number entry field 3 customer number entry field 4 check code entry field 5 usage limit entry field 6 usage expiration date entry field 7 issue expiration date entry field 8 user code entry field 10 processor 11 key board 12 reader / writer 13 Display device 14 Storage device 15 Communication adapter 16 Pin pad 20 Other system

Claims (6)

[Claims] 1. A means for deriving third identification information from a first identification information defined for a card and a second identification information defined for a customer, and a means for deriving the third identification information. Means for deriving the fourth identification information from the third identification information and the identification information arbitrarily set by the customer, the fourth identification information derived by the means for deriving the fourth identification information, and the fourth identification information written on the card. A card validity checking system having means for comparing the identification information of No. 4 and permitting the use of the card when the comparison result is in agreement. 2. A card in which at least first identification information, second identification information and fourth identification information are written, a means for reading the information written in the card, and a first identification defined for the card. A means for deriving the third identification information from the information and the second identification information defined for the customer, a means for inputting the identification information, the identification information arbitrarily set by the customer, and the fourth identification from the third identification information. A means for guiding the information and a means for comparing the identification information, wherein the means for guiding the third identification information when the card is used is the first means read by the means for reading the information written on the card from the card; Means for deriving the third identification information from the identification information and the second identification information, and for deriving the fourth identification information, the customer inputted from the means for inputting the third identification information and the identification information is arbitrary. From the identification information specified in 4. And comparing the identification information, the means for comparing the identified fourth identification information with the fourth identification information written on the card, and when the comparison result matches, Validity confirmation method. 3. A means for deriving third identification information from the first identification information defined for the card and the second identification information defined for the customer, and the identification information arbitrarily specified by the customer and the card. The third identification information is derived from the fourth identification information, the third identification information is derived by the former third identification information, and the latter third identification information is derived by the latter means. A card validity checking system having means for comparing the third identification information with the third identification information and permitting the use of the card when the comparison result matches. 4. A card having at least first identification information, second identification information and fourth identification information, a means for reading the information provided on the card, and first identification information defined for the card. Means for deriving the third identification information from the second identification information defined for the customer, means for inputting the identification information, identification information arbitrarily set by the customer, and third identification information based on the fourth identification information. And a means for comparing the identification information. When the card is used, the former means for guiding the third identification information is the first means read by the means for reading the information written on the card. Means for deriving the third identification information from the identification information and the second identification information, and the latter means for deriving the third identification information is the identification information arbitrarily input by the customer from the means for inputting the identification information. The fourth identification on the card Lead to third identification information from the broadcast, validation method card said means for comparing the identification information to compare the third identification information derived respectively the comparison result permits the use of the card if they match. 5. A means for deriving the third identification information from the first identification information defined for the card and the second identification information defined for the customer, a means for inputting the identification information, and the third identification information. By means of guiding the identification information corresponding to the identification information arbitrarily determined by the customer from the third identification information guided by the means for guiding the identification information and the fourth identification information written on the card, and means for guiding the identification information. A validity checking system for a card, which has a means for comparing the identification information that has been introduced and the identification information that the customer has arbitrarily input from the means for inputting the identification information, and permitting the use of the card when the comparison results match. 6. A card having at least first identification information defined for the card, second identification information and fourth identification information defined for the customer, a means for reading the information written on the card, and a first card. Means for deriving the third identification information from the first identification information and the second identification information, means for inputting the identification information, and identification information arbitrarily determined by the customer from the third identification information and the fourth identification information. A means for guiding corresponding identification information and a means for comparing the identification information are provided, and the means for guiding the third identification information when the card is used is the means for reading the information written on the card read from the card. A means for deriving the third identification information from the first identification information and the second identification information and for deriving the identification information corresponding to the identification information arbitrarily set by the customer is described in the third identification information and the card. From the fourth identification information Lead to the identification information corresponds to arbitrarily determine identification information, means for comparing said identification information,
A method of confirming the validity of a card, which compares the derived identification information with the identification information arbitrarily input by the customer who inputs the identification information, and permits the use of the card when the comparison results match.