JPH1145366A - Individual confirmation system - Google Patents

Individual confirmation system

Info

Publication number
JPH1145366A
JPH1145366A JP21908597A JP21908597A JPH1145366A JP H1145366 A JPH1145366 A JP H1145366A JP 21908597 A JP21908597 A JP 21908597A JP 21908597 A JP21908597 A JP 21908597A JP H1145366 A JPH1145366 A JP H1145366A
Authority
JP
Japan
Prior art keywords
computer
communication device
portable communication
personal identification
terminal
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
JP21908597A
Other languages
Japanese (ja)
Other versions
JP3103327B2 (en
Inventor
Isao Isaka
阪 勲 井
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
ATENSHIYON SYST KK
Original Assignee
ATENSHIYON SYST KK
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
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Application filed by ATENSHIYON SYST KK filed Critical ATENSHIYON SYST KK
Priority to JP21908597A priority Critical patent/JP3103327B2/en
Publication of JPH1145366A publication Critical patent/JPH1145366A/en
Application granted granted Critical
Publication of JP3103327B2 publication Critical patent/JP3103327B2/en
Anticipated expiration legal-status Critical
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Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Abstract

PROBLEM TO BE SOLVED: To provide an individual confirmation system which can perform sure individual confirmation and integrate various card functions. SOLUTION: A call number stored in a portable communication device 10 is read out by a terminal device 12 and sent to a computer 14. The computer 14 calls the portable communication device 10 and sends a guidance for input of a password code. A password code is sent from the portable communication device 10 to the computer 14 and matches against the previously registered password code. After the individual is identified by the matching, the amount of money for a purchase is inputted to the terminal device 12 and sent to the computer 14. The money for the purchase is settled with the bank account 16. Data stored in the computer 14 can be taken out by connecting the personal computer 18 to a communication line. This system is adaptive to cash card and other card functions.

Description

【発明の詳細な説明】DETAILED DESCRIPTION OF THE INVENTION

【０００１】[0001]

【発明の属する技術分野】この発明は個人確認システム
に関し、特にたとえば、これまでクレジットカード、キ
ャッシュカードその他のカードで行われていた種々の個
人確認システムに関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a personal identification system, and more particularly to, for example, various personal identification systems conventionally performed with a credit card, a cash card, and other cards.

【０００２】[0002]

【従来の技術】これまで、個人確認は、キャッシュカー
ドやクレジットカードなどの各種のカードで行われてい
た。この場合、カード運用会社は、顧客の預金口座の登
録、住所の登録、暗証番号の登録などによって、顧客別
の番号を割り振ってカードを発行している。そして、た
とえば、クレジットカードを用いて買い物をするとき、
カードの提示と本人の氏名のサインによって個人確認が
行われ、買い物が終了する。そののち、顧客の預金口座
から買い物の代金が引き落とされて、買い物の決済が終
了する。2. Description of the Related Art Hitherto, personal identification has been performed with various cards such as cash cards and credit cards. In this case, the card management company issues a card by assigning a customer-specific number by registering a customer's deposit account, registering an address, registering a personal identification number, or the like. And, for example, when shopping with a credit card,
Personal confirmation is performed by presenting the card and signing the person's name, and the shopping is completed. Thereafter, the purchase price is deducted from the customer's deposit account, and the settlement of the purchase is completed.

【０００３】また、キャッシュカードの場合、銀行の端
末機にカードを挿入し、暗証番号を端末機に入力するこ
とにより、カードに記録された暗証番号と端末機に入力
された暗証番号とが照合され、個人確認が行われる。そ
れによって、顧客の口座で、現金の引き出しまたは振り
込みなどを行うことができる。さらに、プリペイドカー
ドの場合、カードに現金の機能が付加され、設定された
金額の範囲内において、現金の代わりとして利用できる
ものである。In the case of a cash card, a card is inserted into a bank terminal and a personal identification number is entered into the terminal, whereby the personal identification number recorded on the card is compared with the personal identification number entered into the terminal. Then, personal confirmation is performed. Thereby, withdrawal or transfer of cash can be performed in the customer's account. Furthermore, in the case of a prepaid card, a cash function is added to the card, and the card can be used as a substitute for cash within a set amount.

【０００４】[0004]

【発明が解決しようとする課題】これらのカードにおけ
る個人確認は、主として暗証番号やサインなどによって
行われているが、昨今の犯罪状況から、その確認は不完
全なものとなっている。たとえば、暗証番号は個人の電
話番号や生年月日などを設定する傾向にあり、他人に暗
証番号を見破られやすい。さらに、現在の暗証番号の記
録は、カードに形成された磁気ストライプにされている
場合が多く、磁気ストライプに記録された情報を読み取
ることもできる。また、カードに記載されたサインと買
い物をしたときのサインとが照合されるが、店舗の従業
員は筆跡鑑定の専門家ではなく、よく似たサインとなる
ように筆跡を真似ることにより、簡単にチェックを通過
してしまう。The personal identification of these cards is mainly performed by using a personal identification number or a signature, but the identification is incomplete due to the recent crime situation. For example, a personal identification number tends to set a personal telephone number, a date of birth, and the like, and it is easy for others to find out the personal identification number. Further, the recording of the current personal identification number is often performed on a magnetic stripe formed on the card, and the information recorded on the magnetic stripe can be read. In addition, the signature on the card and the signature at the time of shopping are checked, but store employees are not specialists in handwriting appraisal, but by imitating handwriting so that they look very similar, Pass the check.

【０００５】さらに、クレジットカード、キャッシュカ
ード、プリペイドカードなどの発行会社の数は多く、こ
れらを利用しようとすれば、１人で何枚ものカードを携
帯する必要があり、カードの管理が煩雑となる。また、
カードの不正使用に気がついたとき、またはその可能性
があると判断したときでも、その対策に数日から１か月
の時間が経過してしまい、その間に被害の拡大につなが
ることになる。[0005] Furthermore, there are many issuers such as credit cards, cash cards, prepaid cards, and the like, and in order to use them, it is necessary for one person to carry many cards, which makes card management complicated. Become. Also,
Even if you become aware of or misappropriate the use of a card, it takes several days to one month to take countermeasures, which will lead to increased damage.

【０００６】それゆえに、この発明の主たる目的は、確
実に個人確認を行うことができ、各種のカードの機能を
統一することができる個人確認システムを提供すること
である。[0006] Therefore, a main object of the present invention is to provide a personal identification system capable of reliably performing individual identification and unifying the functions of various cards.

【０００７】[0007]

【課題を解決するための手段】この発明は、自己を呼び
出すための呼び出し番号を記憶した記憶手段を有する携
帯通信機と、記憶手段から呼び出し番号を読み出すため
の読出手段と通信手段とを有する端末機と、呼び出し番
号と携帯通信機の持ち主の暗証コードとを関連付けて記
憶したコンピュータとを含み、端末機の読出手段によっ
て携帯通信機の記憶手段に記憶された呼び出し番号が読
み出されたのち端末機からコンピュータに呼び出し番号
が送信され、呼び出し番号によってコンピュータから携
帯通信機が呼び出され、携帯通信機から暗証コードをコ
ンピュータに送信することによりコンピュータにおいて
呼び出し番号と関連付けて記憶された暗証コードと照合
され、コンピュータで暗証コードが照合された結果が端
末機に送信される、個人確認システムである。この個人
確認システムにおいて、コンピュータに記憶された暗証
コードと携帯通信機から送信された暗証コードとが一致
したことに対応して、端末機に金額データが入力され、
端末機から金額データがコンピュータに送信されるよう
にしてもよい。また、コンピュータに記憶された暗証コ
ードと携帯通信機から送信された暗証コードとが一致し
たことに対応して、端末機において現金の授受が行わ
れ、現金の授受に伴う金額データが端末機からコンピュ
ータに送信されるようにしてもよい。SUMMARY OF THE INVENTION The present invention provides a portable communication device having storage means for storing a call number for calling itself, and a terminal having read means and communication means for reading the call number from the storage means. And a computer storing the call number and the personal identification code of the owner of the portable communication device in association with each other, and after the call number stored in the storage device of the portable communication device is read by the reading device of the terminal, the terminal The calling number is transmitted from the machine to the computer, the portable communication device is called from the computer by the calling number, and the personal identification code is transmitted from the portable communication device to the computer, whereby the personal computer is compared with the stored identification code in association with the calling number in the computer. , The result of the computer verifying the password is sent to the terminal It is a personal check system. In this personal identification system, the amount data is input to the terminal in response to the match between the personal identification code stored in the computer and the personal identification code transmitted from the portable communication device,
The amount data may be transmitted from the terminal to the computer. In addition, in response to the match between the personal identification code stored in the computer and the personal identification code transmitted from the portable communication device, cash is transferred at the terminal, and the amount data accompanying the transfer of cash is transmitted from the terminal. It may be transmitted to a computer.

【０００８】携帯通信機に記憶された呼び出し番号が端
末機で読み取られ、コンピュータからその携帯通信機が
呼び出されることにより、コンピュータと個人との間で
暗証コードの確認がとられる。このとき、携帯通信機か
ら暗証コードを入力することにより、コンピュータに記
憶された暗証番号と照合されるため、携帯通信機に暗証
コードを記憶させておく必要がない。そのため、他人が
携帯通信機から暗証コードを知ることは不可能である。[0008] The calling number stored in the portable communication device is read by the terminal device, and the portable communication device is called from the computer, so that the personal identification code is confirmed between the computer and the individual. At this time, when the personal identification code is input from the portable communication device, the personal identification code is collated with the personal identification number stored in the computer. Therefore, it is impossible for another person to know the password from the portable communication device.

【０００９】端末機としては、各店舗に設置される個人
確認用の端末機とすることができ、この場合、買い物の
金額が端末機に入力されて、コンピュータに送信され
る。また、端末機としては、銀行における現金預入支払
機などとしてもよく、この場合、現金の授受の金額デー
タがコンピュータに送信される。[0009] The terminal may be a terminal for personal confirmation installed in each store. In this case, the amount of shopping is input to the terminal and transmitted to the computer. Further, the terminal may be a cash depositing machine at a bank or the like, and in this case, cash amount data is transmitted to the computer.

【００１０】この発明の上述の目的，その他の目的，特
徴および利点は、図面を参照して行う以下の実施例の詳
細な説明から一層明らかとなろう。The above objects, other objects, features and advantages of the present invention will become more apparent from the following detailed description of embodiments with reference to the drawings.

【００１１】[0011]

【発明の実施の形態】図１は、この発明の個人確認シス
テムを利用して買い物をする例を示す図解図である。買
い物をする人は、携帯電話などの携帯通信機１０を携帯
している。携帯通信機１０には、記憶手段としてのメモ
リなどが内蔵され、このメモリに携帯通信機１０を呼び
出すための呼び出し番号が記憶される。DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an illustrative view showing an example of shopping using the personal identification system of the present invention. A shopping person carries a portable communication device 10 such as a mobile phone. The portable communication device 10 has a built-in memory or the like as storage means, and stores a call number for calling the portable communication device 10 in this memory.

【００１２】また、各店舗には、個人確認を行うための
端末機１２が設置される。端末機１２は、通信手段を有
し、個人確認システムを統括するコンピュータ１４と通
信を行うことができる。なお、この通信手段は、無線に
よって行う必要はなく、有線の通信回線を通じて行うこ
とができる。このコンピュータ１４は、カード運用会社
などに設置される。また、端末機１２は、携帯通信機１
０のメモリに記憶された呼び出し番号を読みだすための
読出手段を有する。Each store is provided with a terminal 12 for personal identification. The terminal 12 has a communication unit and can communicate with a computer 14 that controls the personal identification system. This communication means does not need to be performed wirelessly, but can be performed through a wired communication line. This computer 14 is installed in a card management company or the like. Also, the terminal device 12 is a portable communication device 1
There is a reading means for reading out the calling number stored in the memory of 0.

【００１３】さらに、コンピュータ１４には、各個人別
の携帯通信機の呼び出し番号と暗証コードとが、関連付
けられた状態で記憶されている。暗証コードとしては、
数字のみで暗証番号としてもよいし、アルファベットや
記号などと組み合わせて、暗証コードを作成してもよ
い。このように、暗証コードを作成するための数字や記
号の数が多くなるほど、その組み合わせは多くなって暗
証コードの解読は困難となり、安全性を高めることがで
きる。Further, the computer 14 stores a call number of a portable communication device for each individual and a personal identification code in an associated state. As a PIN code,
The personal identification number may be used as a password alone, or a personal identification code may be created in combination with alphabets and symbols. As described above, as the number of numbers and symbols for creating a personal identification code increases, the number of combinations increases, and the decryption of the personal identification code becomes more difficult, and security can be improved.

【００１４】ある店舗で買い物をしたとき、携帯通信機
１０と店舗の端末機１２とが接続される。接続の方法と
しては、たとえば、携帯通信機１０を保持するためのホ
ルダーを用い、このホルダーに携帯通信機１０をセット
することにより、携帯通信機に形成された接続用端子と
ホルダー内に形成された接続用端子とが接続されるよう
にすればよい。そして、ホルダーが端末機１２に接続さ
れ、ホルダーを介して、携帯通信機１０と端末機１２と
が接続される。When shopping at a certain store, the portable communication device 10 and the terminal 12 of the store are connected. As a connection method, for example, a holder for holding the portable communication device 10 is used, and by setting the portable communication device 10 in this holder, a connection terminal formed in the portable communication device and a connection terminal formed in the holder are formed. The connection terminal may be connected to the connection terminal. Then, the holder is connected to the terminal device 12, and the portable communication device 10 and the terminal device 12 are connected via the holder.

【００１５】携帯通信機１０と端末機１２とが接続され
ると、端末機１２によって携帯通信機１０のメモリーに
記憶された呼び出し番号が読み出される。この呼び出し
番号が、通信回線を介して、コンピュータ１４に送信さ
れる。コンピュータ１４は、送られてきた呼び出し番号
に基づいて、買い物をした人の携帯通信機１０を呼び出
す。呼び出しに応答すると、コンピュータ１４から、暗
証コードを入力するように案内される。コンピュータ１
４の案内にしたがって、携帯通信機１０に暗証コードを
入力すると、その暗証コードはコンピュータ１４に送信
される。コンピュータ１４には、予めその携帯通信機１
０の呼び出し番号とその所有者の暗証コードが関連付け
られて登録されているため、入力された暗証コードと登
録された暗証コードとが照合される。そして、これらの
暗証コードが一致すれば、その携帯通信機１０の所有者
が本人であると判断し、端末機１２にその旨が通知され
る。端末機１４では、携帯通信機１０の所有者が本人で
あることを確認したのち、買い物の金額が入力される。
このとき、携帯通信機１０の所有者は、入力された金額
が正しいかどうかを確認すればよい。When the portable communication device 10 and the terminal device 12 are connected, the call number stored in the memory of the portable communication device 10 is read by the terminal device 12. This call number is transmitted to the computer 14 via the communication line. The computer 14 calls the portable communication device 10 of the shopper based on the sent call number. Upon answering the call, the computer 14 will guide you to enter your password. Computer 1
When the personal identification code is input to the portable communication device 10 according to the guidance of 4, the personal identification code is transmitted to the computer 14. The computer 14 stores the portable communication device 1 in advance.
Since the call number of 0 and the personal identification code of the owner are registered in association with each other, the input personal identification code and the registered personal identification code are collated. If these passwords match, it is determined that the owner of the portable communication device 10 is the person himself, and the terminal 12 is notified of that fact. In the terminal device 14, after confirming that the owner of the portable communication device 10 is the person himself / herself, the amount of the shopping is input.
At this time, the owner of the mobile communication device 10 may check whether the input amount is correct.

【００１６】買い物をした店舗では、カード運用会社か
ら買い物の代金の支払いをうける。そして、カード運用
会社では、入力された金額を携帯通信機１０の所有者の
銀行口座１６から引き落とし、買い物の決済が終了す
る。もちろん、これまでのクレジットカードと同様に、
利用者に翌月一括払いや分割払いなどの種々の便宜を図
ることは自由である。[0016] At the shop where the shopping is performed, the payment for the shopping is received from the card management company. Then, the card operator debits the input amount from the bank account 16 of the owner of the portable communication device 10, and the settlement of the shopping is completed. Of course, like traditional credit cards,
The user is free to provide various conveniences such as lump-sum payment and installment payment for the following month.

【００１７】コンピュータ１４には、買い物の状況など
が記録されるため、接続コード１７によってパーソナル
コンピュータ１８を携帯通信機１０に接続することなど
により、利用者がコンピュータ１４から情報を得ること
も可能である。さらに、パーソナルコンピュータ１８に
プリンタ２０などを接続すれば、コンピュータ１４から
得た情報を印刷することもできる。Since the computer 14 records the status of shopping and the like, the user can also obtain information from the computer 14 by connecting the personal computer 18 to the portable communication device 10 with the connection code 17. is there. Further, if a printer 20 or the like is connected to the personal computer 18, information obtained from the computer 14 can be printed.

【００１８】また、図２は、この発明の個人確認システ
ムを銀行の自動預入支払機に利用する場合を示す図解図
である。ここで、預金者は、自動預入支払機である端末
機１２に携帯通信機１０をセットする。端末機１２によ
って、携帯通信機１０のメモリーに記憶された呼び出し
番号が読み出され、その呼び出し番号がコンピュータ１
４に送信される。コンピュータ１４からは、その呼び出
し番号に基づいて、預金者の携帯通信機１０が呼び出さ
れ、暗証コードを入力するように案内される。預金者
は、案内にしたがって、携帯通信機１０に暗証コードを
入力する。入力された暗証コードは、コンピュータ１４
に送信される。コンピュータ１４では、送られてきた暗
証コードと予め登録された暗証コードとが照合され、本
人であるかどうかが確認される。本人であることが確認
されると、その結果が端末機１２に通知され、現金の預
入または支払いなどが可能となる。そこで、預金者は、
端末機１２に金額を入力することにより、現金の受取り
などを行うことができる。もちろん、現金の預入れや振
り込みなどを行うことも可能である。FIG. 2 is an illustrative view showing a case where the personal identification system of the present invention is used for an automatic teller machine of a bank. Here, the depositor sets the portable communication device 10 on the terminal device 12 which is an automatic deposit payment machine. The call number stored in the memory of the portable communication device 10 is read out by the terminal device 12 and the call number is read by the computer 1.
4 is sent. The computer 14 calls the depositor's portable communication device 10 based on the call number, and guides the user to input a password. The depositor enters a password into the portable communication device 10 according to the guidance. The entered security code is transmitted to the computer 14
Sent to. In the computer 14, the transmitted personal identification code is collated with the personal identification code registered in advance, and it is confirmed whether or not the user is himself. When the identity is confirmed, the result is notified to the terminal device 12, and the cash can be deposited or paid. So the depositor
By inputting the amount of money into the terminal device 12, cash can be received. Of course, it is also possible to deposit or transfer cash.

【００１９】このような利用情報は、コンピュータ１４
に蓄積される。したがって、預金者が、パーソナルコン
ピュータ１８を通信回線に接続し、コンピュータ１４か
ら利用情報を引き出すことができる。さらに、パーソナ
ルコンピュータ１８にプリンタ２０などを接続すれば、
利用情報を印刷することができる。それにより、個人の
家計簿などとして利用することができる。Such usage information is transmitted to the computer 14.
Is accumulated in Therefore, the depositor can connect the personal computer 18 to the communication line and withdraw usage information from the computer 14. Further, if a printer 20 or the like is connected to the personal computer 18,
Usage information can be printed. Thereby, it can be used as a personal household account book.

【００２０】図３は、この発明の個人確認システムに用
いられる携帯通信機１０にプリペイドカード機能を持た
せた例を示す図解図である。この場合、携帯通信機１０
には、金額をデータとして記録するメモリが内蔵されて
いる。この携帯通信機１０を用いて買い物をするとき、
店舗に設置された端末機１２に携帯通信機１０がセット
される。端末機１２は、携帯通信機１０のメモリから金
額データを読み出し、その金額データから買い物の代金
が差し引かれる。そして、買い物の代金が減額された金
額データが、携帯通信機１０のメモリに書き込まれる。
したがって、次回には、その減額された金額の範囲内
で、買い物をすることができる。FIG. 3 is an illustrative view showing an example in which the portable communication device 10 used in the personal identification system of the present invention has a prepaid card function. In this case, the portable communication device 10
Has a built-in memory for recording the amount of money as data. When shopping using this portable communication device 10,
The portable communication device 10 is set on a terminal device 12 installed in a store. The terminal device 12 reads out the amount data from the memory of the mobile communication device 10 and deducts the purchase price from the amount data. Then, the amount data for which the purchase price has been reduced is written to the memory of the portable communication device 10.
Therefore, next time, shopping can be performed within the range of the reduced amount.

【００２１】なお、携帯通信機１０のメモリに金額デー
タを記録してプリペイドカードとして用いるだけでな
く、この個人確認システムは、実印登録証、個人ＩＤカ
ード、個別会員カード、免許証、パスポート、保険証な
ど、カード事業全般に利用可能である。In addition to recording the amount data in the memory of the portable communication device 10 and using it as a prepaid card, this personal identification system uses a personal seal registration certificate, personal ID card, individual member card, license, passport, insurance It can be used for card business in general, such as certificates.

【００２２】この個人確認システムでは、コンピュータ
１４に、各個人の携帯通信機１０の呼び出し番号と各個
人の暗証コードとが、関連付けられて記憶されている。
そして、端末機１２から携帯通信機１０の呼び出し番号
が送られてきたとき、本人を呼び出して、本人が携帯通
信機１０に暗証コードを入力する。入力された暗証コー
ドが、コンピュータ１４に記録された暗証コードと照合
されるため、携帯通信機１０に暗証コードを記録してお
く必要がない。そのため、携帯通信機１０が盗まれたと
しても、そこから暗証コードを知られる恐れはない。In this personal identification system, the call number of the portable communication device 10 of each individual and the personal identification code of each individual are stored in the computer 14 in association with each other.
Then, when the call number of the portable communication device 10 is sent from the terminal device 12, the person is called and the person inputs a personal identification code to the portable communication device 10. Since the input personal identification code is collated with the personal identification code recorded in the computer 14, there is no need to record the personal identification code in the portable communication device 10. Therefore, even if the portable communication device 10 is stolen, there is no possibility that the personal identification code will be known therefrom.

【００２３】しかも、従来のクレジットカードなどで
は、各店舗においてサインなどによって個人確認を行っ
ていたが、この発明の個人確認システムを用いれば、コ
ンピュータセンターなどにあるコンピュータ１４によっ
て、携帯通信機１０を呼び出し、直接個人確認を行うこ
とができ、偽造、改竄、不正利用などの犯罪に対して、
安全性を確保することができる。In addition, in a conventional credit card or the like, personal confirmation is performed by a sign or the like in each store. However, if the personal confirmation system of the present invention is used, the portable communication device 10 can be controlled by a computer 14 in a computer center or the like. Call, personal identification directly, against crimes such as forgery, tampering, unauthorized use, etc.
Safety can be ensured.

【００２４】また、この個人確認システムを用いれば、
クレジットカード、キャッシュカード、プリペイドカー
ドその他のカード機能を１つの携帯通信機１０に持たせ
ることができ、各種カード機能の整理統合を図ることが
できる。Also, if this personal identification system is used,
A credit card, a cash card, a prepaid card, and other card functions can be provided in one portable communication device 10, so that various card functions can be organized and integrated.

【００２５】[0025]

【発明の効果】この発明によれば、本人を呼び出して確
認をすることができるため、高い安全性をもって、確実
に個人確認を行うことができる。また、各種のカード機
能の整理統合を図ることができる。According to the present invention, it is possible to call and confirm a person, and thus it is possible to reliably perform personal confirmation with high security. Further, various card functions can be organized and integrated.

【図面の簡単な説明】[Brief description of the drawings]

【図１】この発明の個人確認システムをクレジットカー
ドとして用いる例を示す図解図である。FIG. 1 is an illustrative view showing an example in which the personal identification system of the present invention is used as a credit card.

【図２】この発明の個人確認システムをキャッシュカー
ドとして用いる例を示す図解図である。FIG. 2 is an illustrative view showing an example in which the personal identification system of the present invention is used as a cash card;

【図３】この発明の個人確認システムをプリペイドカー
ドとして用いる例を示す図解図である。FIG. 3 is an illustrative view showing an example in which the personal identification system of the present invention is used as a prepaid card;

【符号の説明】[Explanation of symbols]

１０ 携帯通信機 １２ 端末機 １４ コンピュータ １６ 銀行口座 １７ 接続コード １８ パーソナルコンピュータ ２０ プリンタ DESCRIPTION OF SYMBOLS 10 Mobile communication device 12 Terminal device 14 Computer 16 Bank account 17 Connection code 18 Personal computer 20 Printer

Claims (3)

【特許請求の範囲】[Claims] 【請求項１】 自己を呼び出すための呼び出し番号を記
憶した記憶手段を有する携帯通信機、 前記記憶手段から前記呼び出し番号を読み出すための読
出手段と通信手段とを有する端末機、および前記呼び出
し番号と前記携帯通信機の持ち主の暗証コードとを関連
付けて記憶したコンピュータを含み、 前記端末機の前記読出手段によって前記携帯通信機の前
記記憶手段に記憶された前記呼び出し番号が読み出され
たのち前記端末機から前記コンピュータに前記呼び出し
番号が送信され、 前記呼び出し番号によって前記コンピュータから前記携
帯通信機が呼び出され、 前記携帯通信機から暗証コードを前記コンピュータに送
信することにより前記コンピュータにおいて前記呼び出
し番号と関連付けて記憶された前記暗証コードと照合さ
れ、 前記コンピュータで前記暗証コードが照合された結果が
前記端末機に送信される、個人確認システム。1. A portable communication device having storage means for storing a call number for calling itself, a terminal having read means and communication means for reading the call number from the storage means, A computer that stores the portable communication device in association with a personal identification code of the owner of the mobile communication device, wherein the calling number stored in the storage device of the mobile communication device is read by the reading device of the terminal device; The calling number is transmitted from the device to the computer, the portable communication device is called from the computer by the calling number, and the personal communication code is transmitted from the portable communication device to the computer to associate the calling number with the calling number in the computer. Is compared with the stored security code, Results The personal identification code is verified by the computer is transmitted to the terminal, personal verification system. 【請求項２】 前記コンピュータに記憶された前記暗証
コードと前記携帯通信機から送信された前記暗証コード
とが一致したことに対応して、前記端末機に金額データ
が入力され、前記端末機から前記金額データが前記コン
ピュータに送信される、請求項１に記載の個人確認シス
テム。2. In response to the password stored in the computer matching the password transmitted from the portable communication device, money data is input to the terminal, and money is input from the terminal. The personal identification system according to claim 1, wherein the amount data is transmitted to the computer. 【請求項３】 前記コンピュータに記憶された前記暗証
コードと前記携帯通信機から送信された前記暗証コード
とが一致したことに対応して、前記端末機において現金
の授受が行われ、前記現金の授受に伴う金額データが前
記端末機から前記コンピュータに送信される、請求項１
に記載の個人確認システム。3. In response to a match between the personal identification code stored in the computer and the personal identification code transmitted from the portable communication device, cash is exchanged at the terminal, and 2. The method according to claim 1, wherein amount data associated with the transfer is transmitted from the terminal to the computer.
Personal verification system described in.
JP21908597A 1997-07-29 1997-07-29 Personal verification system Expired - Lifetime JP3103327B2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP21908597A JP3103327B2 (en) 1997-07-29 1997-07-29 Personal verification system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP21908597A JP3103327B2 (en) 1997-07-29 1997-07-29 Personal verification system

Publications (2)

Publication Number Publication Date
JPH1145366A true JPH1145366A (en) 1999-02-16
JP3103327B2 JP3103327B2 (en) 2000-10-30

Family

ID=16730033

Family Applications (1)

Application Number Title Priority Date Filing Date
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Country Link
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