JPH1130953A - Electronic purse and electronic money interlocked security system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent the withdrawal of electronic money by an illicit person in case of a theft and loss of an IC card and the excessive withdrawal by illicitness or mistake at the time of paying in an electronic money system using IC cards. SOLUTION: At the time of use, a user assigns an amt. of money at the IC card 2 via an electronic purse 1, emits an instruction for unlocking and sets the time of this moment at the IC card 2. For a request for payment, the IC card 2 makes payment within the rang of the amt. of money instructed to be unlocked. The IC card decides the lapse of time from the time instructed to be unlocked for the payment request and in case the time elapses more than the prescribed time, the IC card sets the amt. of money to be unlocked at zero and prohibits the withdrawal of the electronic money.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to security of electronic money, and more particularly, to a payment lock and unlocking technique suitable for a consumer to make a secure payment in a retail / service business.

[0002]

2. Description of the Related Art In recent years, electronic commerce (E)
Interest in C) has increased, and among them, an IC card-type electronic money system that can pay at both a network and an actual store has been put into practical use.

As described in general literature and company leaflets, the security of this IC card type electronic money system can lock and unlock the electronic money card with a password through an electronic wallet. This aims to prevent theft of the electronic money card at the time of payment and the loss of the electronic money at the time of loss.

[0004]

In the conventional security systems and techniques, there is a risk of excessive sampling due to improper or incorrect payment.

[0005] If the device is stolen or lost after the lock is released, the entire amount is securely removed.

[0006] Even if it is locked, there is a danger that the lock will be released by an unauthorized person trying the password several times.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a method of preventing an unauthorized person from extracting electronic money when theft or loss occurs and preventing excessive removal due to improper or incorrect payment. .

[0008]

According to the present invention, a logic for unlocking a specified amount of money as shown in FIG. 2 is added to the electronic wallet and electronic money card linking system as shown in FIG. . If the lock is released by the payment amount, there is no need to worry about excessively extracting the amount.

In order to prevent the removal of the electronic money in the event of theft or loss, as shown in FIG. 2, if an attempt is made to perform the electronic money removal processing after a certain time after the lock is released, a decision is made using a timer so that the electronic money cannot be removed. Logic to be added to the electronic wallet and electronic money card linkage system. Even if the lock is released and the card is handed to the paying party, a certain period of time elapses during the escape, so there is little fear that the electronic money will be extracted.

In order to prevent an unauthorized person from unlocking a password by a plurality of trials of the password, as shown in FIG. Add to the card linkage system.

In order to be able to input the personal identification number itself, a key card is inserted into another card slot of the electronic wallet. The key card is made of an IC card, and a key number that is uniquely associated with an electronic money card (IC card) is stored in the data area. The key NO is encrypted so that general users cannot refer to it.

As shown in FIG. 4, when the key numbers of the key card and the electronic money card match, the corresponding logic
The lock of the password input itself of the electronic money card is unlocked.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, one embodiment of the present invention will be described in detail.

FIGS. 1 to 4 are as follows.

FIG. 1: One embodiment of the functional block of the present invention FIG. 2: One embodiment of logic for unlocking a specified amount of money and re-locking when trying to withdraw after a certain period of time after unlocking Fig. 3: One example of the logic that disables the input of the personal identification number when the password is incorrectly entered a certain number of times.-Fig. 4: The logic of unlocking the input of the personal identification number by collating the number between the key card and the electronic money card. First Embodiment First, FIG. 1 will be described. 1 is an electronic wallet system, 2
Electronic money card reader. A key card 3 unlocks the password input itself. Reference numeral 4 denotes a recipient electronic wallet system. Here ECR and P
The money transfer device including the OS is defined as an electronic wallet. 5
Is the electronic money card of the recipient.

Subsequently, based on the flowchart of FIG.
The operation of each unit in FIG. 1 will be described as one embodiment of logic for unlocking a specified amount of money and re-locking the lock when it is withdrawn after a certain period of time after unlocking.

The payment operation is performed as follows in a state where the payer inserts the payer's electronic money card 2 into the payer's electronic wallet 1. The payer's electronic wallet 1 obtains the unlocked designated amount and the unlock password from the payer (step 127). The payer's electronic money card 2 retrieves the unlock password and the amount balance from the data area 21 at the request of the electronic wallet 1 and provides it to the electronic wallet 1 (210). The payer's electronic wallet 1 obtains the unlock password and the amount balance from the electronic money card 2 (13).
2). Next, it is checked whether the unlock password obtained from the payer matches the unlock password obtained from the electronic money card 2 (137). If they do not match, a request to re-enter the unlock password is displayed (122). If they match, the current time is first extracted from the built-in timer 11 (150). Next, the lock release designated amount obtained from the payer is compared with the amount balance obtained from the electronic money card 2, and the smaller one is set as the unlocked amount. The lock release amount and the current time are provided to the electronic money card 2 (15
5). Finally, the unlock amount is displayed (160). The payer's electronic money card 2 obtains the lock release amount and the current time from the electronic wallet 1. Using the current time as the lock release time, the lock release amount and the lock release time are stored in the data area 21 (250).

The receiving operation is performed as follows in a state where the receiver inserts the electronic money card 2 of the payer and the electronic money card 5 of the receiver into the electronic wallet 4 of the receiver. The receiver's electronic wallet 4 accepts a withdrawal instruction from the receiver (400). Next, the current time is extracted from the built-in timer 41. Next, the current time is provided to the electronic money card 2 of the payer and a withdrawal request is made (410). The payer's electronic money card 2 obtains the current time from the electronic wallet 4 and extracts the unlocking amount and the unlocking time from the data area 21 (206). Next, the current time is compared with the time obtained by adding a fixed time to the lock release time, and it is checked whether a withdrawal instruction has been given within a certain time after the lock release (265). If the time is not within the predetermined time, it indicates that the withdrawal is not possible with the electronic wallet 4 of the recipient, and the process ends (420). If it is within a certain time, the payer's electronic money card 2 withdraws the unlocked amount and sends the electronic money to the electronic wallet 4. The unlocked amount is cleared to zero, and the unlocked amount and the withdrawn amount balance are stored in the data area 21 (270). The receiver's electronic wallet 4 receives the electronic money from the payer's electronic money card 2 and sends it to the receiver's electronic money card 5 (430). Next, the amount of the transferred electronic money is displayed as a withdrawal amount (440). The receiver's electronic money card 5 receives the electronic money from the electronic wallet 4 and ends (500).

Further, based on the flowchart of FIG.
The operation of each unit shown in FIG. 1 will be described as an embodiment of the logic for preventing input of the personal identification number when the lock release personal identification number is incorrectly entered a certain number of times.

This operation is performed as follows in a state where the payer inserts the electronic money card 2 of the payer into the electronic wallet 1 of the payer. The payer's electronic wallet 1 receives a lock release instruction from the payer (100). The payer's electronic money card 2 retrieves the password entry impossible flag from the data area 21 at the request of the electronic wallet 1 and retrieves the electronic wallet 1
(200). The payer's electronic wallet 1 obtains a password input disable flag from the electronic money card 2 (105). Next, it is checked whether or not the password input disable flag is ON (110). If the security code input disable flag is on, it is displayed that the security code input is disabled and the process is terminated (115). If the security code input disable flag is off, a lock release designated amount and a lock release security code input request are displayed (120). Next, the lock release designated amount and the unlock password input are obtained from the payer (125). At the request of the electronic wallet 1, the payer's electronic money card 2 extracts the unlock password and the balance amount from the data area 21 and provides them to the electronic wallet 1 (21).
0). The payer's electronic wallet 1 obtains the unlock password and the balance amount from the electronic money card 2 (130).
Next, it is checked whether or not the unlock password obtained from the payer matches the unlock password obtained from the electronic money card 2.

If they match, a request is made to the electronic money card 2 to clear the number of times the password has been entered to zero (140). Next, lock release processing is performed (150 in FIG. 2). Finally, the payer's electronic money card 2 clears the number of times of input of the personal identification number to zero, stores it in the data area 21, and ends (240).

If the passwords do not match, the payer's electronic money card 2 retrieves the number of times of input of the personal identification number from the data area 21 (220). Next, it is checked whether the number of times of inputting the personal identification number is a certain number or more (225). If the number of times the password is input is less than the predetermined number, the data area 2 is added to the number of times the password is input.
1 (230), and returns to the lock password check process (120). If the number of times the personal identification number is input is equal to or more than a certain number, the personal identification number input disable flag is turned on and data area 2
1 (235), displays that a password cannot be entered in the payer's electronic wallet 1, and ends (1).
15).

Finally, based on the flowchart of FIG.
The operation of each unit in FIG. 1 will be described as one embodiment of the logic for unlocking the input of the personal identification number by the number verification between the key card and the electronic money card.

This operation is performed as follows, with the payer inserting the payer's electronic money card 2 and key card 3 into the payer's electronic wallet 1. The payer's electronic wallet 1 receives an instruction to cancel the input of the personal identification number from the payer (165). At the request of the electronic wallet 1, the payer's electronic money card 2 takes out the personal identification number input impossible flag from the data area 21 and provides it to the electronic wallet 1 (280). The payer's electronic wallet 1 obtains a password entry impossible flag from the electronic money card 2 (170). Next, it is checked whether or not the password input disable flag is ON (175).
If the security code input disable flag is off, it is displayed that the security code can be input, and the process ends (180).
If the security code input disable flag is ON, the payer's electronic money card 2 extracts the key number from the data area 21 and provides it to the electronic wallet 1 (285). The payer's electronic wallet 1 obtains the key number from the electronic money card 2 and provides it to the key card 3 to request a check (185). The key card 3 obtains the key number from the electronic wallet 1 and extracts the key number from the data area 31 (300). Next, it is checked whether the key number obtained from the electronic wallet 1 matches the key number of the key card itself (310).

If the key numbers do not match, the electronic wallet 1
Report that O is mismatched (320). The payer's electronic wallet 1 displays that it is not possible to input the personal identification number, and ends (195).

If the key numbers match, the electronic wallet 1
Are reported (330). The payer's electronic wallet 1 requests the electronic money card 2 to turn off the password input disable flag (190), and displays that password input is enabled (180). In response to the request from the electronic wallet 1, the payer's electronic money card 2 turns off the personal identification number input disable flag, stores the password in the data area 21, and ends the processing (290).

[0027]

As described above, in the conventional IC card type electronic money system, when the electronic money card is handed over to the paying party to process the payment, there is a risk of excessive sampling due to fraud or mistake. If you lose your lock and lose it, you must be prepared to remove it in full. Furthermore, even if it is locked, there is a danger that the lock will be released if an unauthorized person attempts the password several times.

According to the present invention, an excessive amount of money at the time of payment can be almost eliminated by releasing the lock by the payment amount. Also, by the method using a timer,
It is possible to reduce the fear that the electronic money will be extracted in case of theft or loss. In addition, there are a method to disable the input of the security code itself when the security code is incorrectly entered a certain number of times, and a method to unlock the security code input itself using a key card.
It is possible to reduce the risk that the lock is released by a plurality of attempts of the personal identification number by an unauthorized person.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of the present invention.

FIG. 2 is a flowchart showing one embodiment of a processing procedure of the present invention.

FIG. 3 is a flowchart showing one embodiment of a processing procedure of the present invention.

FIG. 4 is a flowchart showing one embodiment of a processing procedure of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Payer's electronic wallet, 2 ... Payer's electronic money card, 3 ... Key card, 4 ... Recipient's electronic wallet, 5 ... Recipient's electronic money card, 11 ... Built-in timer, 21 ... Data area, 31 ... data area, 41 ... built-in timer.

Claims (4)

[Claims] An electronic wallet / electronic money card cooperation system for unlocking an electronic money system within a range of an amount specified by a logic when a lock release amount is designated according to a payment amount. 2. An electronic wallet / electronic money card cooperation system which incorporates a logic that cannot be removed even if the "lock release" according to claim 1 is executed, even if an amount of money is to be withdrawn after a predetermined time. 3. An electronic wallet / electronic device in which, when a password is input through an electronic wallet a certain number of times or more for “unlocking” according to claim 1, the corresponding logic disables input of the password itself. Money card cooperation system. 4. An electronic wallet / electronic money card cooperative system for canceling the “impossibility of inputting the encryption itself” according to claim 3 using a key card made of an IC card.