JPH10188091A - Prepaid card system using IC card - Google Patents

Abstract

(57) [Problem] To provide a prepaid card system using an IC card which is highly secure and can be configured at low cost. SOLUTION: An IC card 1, a depositing terminal device 2 for writing money amount data on the IC card 1, a transaction terminal device 3 for subtracting the sales amount from the balance of the amount data stored in the IC card 1, The amount written on the IC card 1 by the terminal device 2 is transferred from the personal deposit account of the owner of the IC card 1 to a temporary account, and the transaction terminal device 3
The bank host system 4 transfers the sales amount subtracted from the IC card 1 from the temporary account to the deposit account of the store having the transaction terminal device 3, the deposit history to the IC card 1, and the personal deposit of the owner of the IC card 1 A prepaid management terminal device 5 for checking the unauthorized use of the IC card 1 from the transfer history from the account to the temporary account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card system using an IC card which is used in a shopping street, a cafeteria, and the like.

[0002]

2. Description of the Related Art For example, in a shopping district, a prepaid card system using an IC card is used as one of the measures to reduce cash. Conventional systems of this type include, for example, an IC card having a semiconductor element for storing money data and a magnetic stripe storing personal identification data, and the like, and a money card, which is installed in a shopping street or the like and writes the money data to the IC card. An ATM of a bank, a bank host system connected to the ATM via a communication line, and an ATM installed in a store, connected to the ATM via a communication line,
There is known a transaction terminal device for subtracting the amount corresponding to the sales amount from the balance of the amount data stored in the card.

[0003] In using this prepaid card system, a customer first deposits a necessary amount of money into an IC card. When the customer inserts the IC card into the ATM and enters the amount from the ATM input section, the ATM checks with the bank host system whether the entered amount can be deducted from the personal deposit account of the IC card owner. When it is possible to withdraw the money, the money is withdrawn from the personal deposit account and written into the semiconductor element of the IC card.

[0004] When a customer shops at a store, this IC
The clerk presents the card to the clerk, and the clerk inserts the IC card into the transaction terminal, and inputs the sales amount from the input section of the transaction terminal. The transaction terminal device has a balance of money amount data stored in the IC card (hereinafter referred to as a prepaid balance).
And the data stored in the magnetic stripe, and if the input sales amount is equal to or less than the prepaid balance, the sales amount is subtracted from the prepaid balance, and the obtained new prepaid balance is written to the IC card. Then, the IC card is discharged from the transaction terminal device and returned to the customer.
Thereafter, the transaction terminal transmits the sales amount and the personal identification data to the bank host system, and the bank host system transfers the sales amount from the personal account of the owner of the IC card to the store account.

[0005]

In the conventional prepaid card system as described above, in the case where the owner of the IC card drops or stolen the IC card, for example,
There has been a problem that the balance of the amount data of the card is rewritten and the IC card is illegally used, and if the owner of the IC card does not notice this, the damage is increased.

In the above-described prepaid card system, a bank A is used as a terminal device for depositing money into an IC card.
Although a TM is used, it is difficult to implement the above-described prepaid card system in a small shopping mall or the like because the ATM of a bank is expensive.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and an object of the present invention is to provide a prepaid card system using an IC card which is highly secure and can be constructed at low cost. To provide.

[0008]

According to a first aspect of the present invention, there is provided a prepaid card system comprising: a semiconductor element for storing money data; and a data storage area for storing at least personal identification data. And an IC reader / writer that reads data stored in a semiconductor element of the IC card and writes data in the semiconductor element, and reads data that is stored in a data storage area of the IC card. Means for depositing money data into the IC card, an IC reader / writer reading data stored in a semiconductor element of the IC card and writing data into the semiconductor element, and the IC card Reading means for reading data stored in the data storage area of the IC card. And a transaction terminal device for subtracting the sales amount from the balance of the amount data stored in the account, and the deposit terminal connected to the depositing terminal device via a communication line, such as a personal deposit account deposit balance, deposit and withdrawal history, and the like. Stores a personal deposit account data file, stores a deposit account of a store account, stores deposit data such as deposit / withdrawal history, stores a temporary account deposit balance, stores deposit / withdrawal history, etc. A temporary account data file to be transferred from the personal deposit account of the owner of the IC card to the temporary account, and the IC card is transferred to the temporary account by the transaction terminal device. A bank host system for transferring the sales amount subtracted from the card from the temporary account to a deposit account of a store having the transaction terminal device; Gold terminal device,
It is connected to a transaction terminal device and a bank host system via a communication line, and the payment history to the IC card by the payment terminal device and transfer from the personal deposit account of the owner of the IC card to the temporary account. A prepaid management terminal device for checking the unauthorized use of the IC card from a history.

According to a second aspect of the present invention, there is provided a prepaid card system comprising: a semiconductor element for storing money data; an IC card having at least a data storage area for storing personal identification data; and a semiconductor element of the IC card. And an IC reader / writer for reading data stored in the IC card and writing data to the semiconductor element, and reading means for reading data stored in a data storage area of the IC card. A terminal device for writing, an IC reader / writer for reading data stored in a semiconductor element of the IC card and writing data to the semiconductor element, and reading for reading data stored in a data storage area of the IC card. From the balance of the amount data stored in the IC card. A transaction terminal device for subtracting the upper amount, are connected via a communication line to the deposit terminal device,
A personal deposit account data file that stores the deposit data of the personal deposit account, deposit / withdrawal history, etc., a store deposit account data file that stores the deposit balance of the store deposit account, deposit / withdrawal history, etc. A temporary account data file for storing deposit data such as account balances, deposit and withdrawal histories, etc., and the amount written on the IC card by the depositing terminal device is transferred from the personal deposit account of the owner of the IC card. A bank host system for transferring the sales amount subtracted from the IC card by the transaction terminal device to the temporary account and transferring the sales amount from the temporary account to a deposit account of a store having the transaction terminal device, the deposit terminal device, Connected to a transaction terminal device and a bank host system via a communication line, and connected to the IC card by the deposit terminal device. The IC card is obtained from a deposit history, a subtraction history of the sales amount from the IC card by the transaction terminal device, and a balance of the amount data in the IC card after the sales amount is subtracted by the transaction terminal device. And a prepaid management terminal device for checking for unauthorized use of the device.

According to a third aspect of the present invention, there is provided the prepaid card system according to the first or second aspect, wherein the data storage area of the IC card is provided inside the semiconductor element, and the IC reader is provided. The writer may also serve as reading means for reading data stored in the data storage area.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a configuration diagram of a prepaid card system according to one embodiment of the present invention, FIG. 2 is a block diagram showing a schematic configuration of an IC card 1, FIG. 3 is a block diagram showing a schematic configuration of a deposit terminal device 2, and FIG. 5 is a block diagram showing a schematic configuration of a transaction terminal device 3, FIG. 5 is a block diagram showing a schematic configuration of a bank host system 4, and FIG. 6 is a block diagram showing a schematic configuration of a prepaid management terminal device.

The system shown in FIG. 1 is for an employee to purchase a meal ticket in a company cafeteria without cash, and includes an IC card 1 and a deposit that is installed in the company and writes amount data to the IC card 1. Terminal device 2, a transaction terminal device 3 installed in an employee cafeteria for subtracting the sales amount of the meal ticket from the IC card 1, and a transaction terminal device 3 installed in a bank and connected to the deposit terminal 2 via the public line PL 1. A prepaid management terminal installed at a bank host system 4 and an affiliated company of a bank and connected to the depositing terminal device 2, the transaction terminal device 3, and the bank host system 4 via public lines PL2, PL3, and PL4, respectively. Device 5.

The IC card 1 is issued by a bank to a customer who has a personal deposit account. As shown in FIG. 2, a semiconductor element 6, a card number, a personal deposit account number,
A magnetic stripe 7 serving as a data storage area in which a bank code, a branch code, and the like are stored; and a contact 8 provided on the surface of the IC card 1 and connected to the semiconductor element 6;
The semiconductor element 6 includes an arithmetic processing unit 9 that executes various processes,
ID for checking the amount of data and the validity of the card
A memory 10 for storing data, card expiration date, and the like.

As shown in FIG. 3, the payment terminal device 2
An IC reader / writer 11 that reads data stored in the semiconductor element 6 of the IC card 1 and writes data in the semiconductor element 6, and a magnetic reader as reading means that reads data stored in the magnetic stripe 7 of the IC card 1 12, an arithmetic processing unit 13 for executing various processes, and an input unit 1 for inputting a deposit amount, an instruction for executing various processes, and the like.
4 and a memory 15 for storing ID data for checking card validity, card expiration date, payment history, etc.
, A display 16, a printer 17, and an interface 18.

The transaction terminal device 3 is, as shown in FIG.
An IC reader / writer 19 that reads data stored in the semiconductor element 6 of the IC card 1 and writes data in the semiconductor element 6, and a magnetic reader as reading means that reads data stored in the magnetic stripe 7 of the IC card 1 20, an arithmetic processing unit 21 for executing various processes, an input unit 22 for inputting a sales amount, instructions for executing various processes, etc., ID data for checking the validity of the card, card expiration date, sales A memory 23 for storing various data such as data; a display 24;
And an interface 26.

As shown in FIG. 5, the bank host system 4 stores an arithmetic processing unit 27 for executing various processes and deposit data such as account numbers, personal identification numbers, deposit balances and deposit / withdrawal histories of a large number of personal deposit accounts. The personal deposit account data file 28 to be stored and the account numbers, passwords,
It has a store deposit account data file 29 for storing deposit data such as deposit balance and deposit / withdrawal history, a temporary account data file 30 for storing deposit data for temporary account deposit and deposit / withdrawal history, and an interface 31. ing.

As shown in FIG. 6, the prepaid management terminal device 5 inputs an arithmetic processing unit 32 for executing various processes, a storage device 33 such as a hard disk, and inputs various data and instructions for executing various processes. , A display 35, a printer 36, and an interface 37.

Next, a method of using the prepaid card system configured as described above will be described. First, a cardholder who intends to use the above-described prepaid card system deposits money into the IC card 1. A procedure for depositing money into the IC card 1 will be described with reference to flowcharts shown in FIGS.

In the initial state, a screen requesting insertion of the IC card 1 is displayed on the display 16 of the depositing terminal device 2, and the card holder inserts the IC card 1 into the card insertion slot of the depositing terminal device 2. When inserted (step # 5), the magnetic reader 12 reads data stored in the magnetic stripe 7 of the IC card 1, and the IC reader / writer 11 contacts the contact 8 provided on the surface of the IC card 1.
Is stored in the memory 10 of the semiconductor element 6 through
The data processing unit 13 of the payment terminal device 2 reads the data such as the D data and the card expiration date, and compares the data with the data stored in the memory 15 to read the IC card 1.
Is determined (step # 10).

If the determination is negative, an error message is displayed on the display 16 (step # 1).
5) The IC card 1 is ejected from the card insertion slot. If the determination result is acceptable, a processing selection screen for selecting payment processing or balance inquiry is displayed on the display 16 (step # 20), and when the card holder selects the payment processing (step # 25), the IC card is displayed. 1 operation processing unit 9 stores the amount data (hereinafter, referred to as money amount data) stored in the memory 10.
The prepaid balance is read out and transmitted to the depositing terminal device 2, the prepaid balance is displayed on the display 16 (step # 30), and the display 16 is switched to a screen for requesting the input of the personal identification number and the deposit amount. .

When the card holder inputs the personal identification number and the deposit amount from the input unit 14 (step # 35), the arithmetic processing unit 13 sends the personal identification number and the deposit amount together with the data read by the magnetic reader 12 from the magnetic stripe 7 to the bank. The password is transmitted to the host system 4, and the arithmetic processing unit 27 of the bank host system 4 checks the transmitted password with the password stored in the personal deposit account data file 28 to determine whether the password is correct. At the same time, the transmitted deposit amount is compared with the deposit balance stored in the personal deposit account data file to determine whether or not it is possible to withdraw, and the results of these determinations are transmitted to the deposit terminal device 2.

The arithmetic processing unit 13 of the depositing terminal device 2 reads the judgment result of the pass / fail of the password transmitted from the bank host system 4 (step # 40). A message is displayed (step # 45), and the IC card 1 is ejected from the card insertion slot. If the password is acceptable, the arithmetic processing unit 13 reads the result of the determination as to whether or not the deposit amount can be withdrawn (step # 50). If not, an error message is displayed on the display 16 of the personal deposit account. This is displayed together with the deposit balance (step # 55). The cardholder determines whether or not to input the deposit amount again by looking at the balance of the deposit (step # 60), and if so, from the input unit 14 (step # 65). When the stop key on the screen is pressed, the IC card 1 is ejected from the card insertion slot.

If the answer is yes in step # 50, the new prepaid balance obtained by adding the deposit to the prepaid balance is displayed on the display 16 of the depositing terminal device 2, and the card holder presses the confirmation key on the display 16. Then, the new prepaid balance is transmitted to the IC card 1, and the arithmetic processing unit 9 of the IC card 1 updates the amount data stored in the memory 10 to the new prepaid balance (step # 70). Further, the deposit history is stored in the memory 15 of the deposit terminal device 2.

Then, the printer of the deposit terminal 2 is
Issue a transaction statement on which the payment date and time, the deposit amount, the new prepaid balance in the IC card 1, the card number, the bank number, the account number, and the like are printed (step # 75), and the IC card 1 receives the payment terminal device 2 (Step # 80). The payment terminal device 2 transmits the payment history to the IC card 1 stored in the memory 15 to the prepaid management terminal device 5 at regular intervals, and this data is stored in the storage device 33 of the prepaid management terminal device 5. It is memorized.

The bank host system 4 transfers the amount deposited in the IC card 1 from the personal deposit account to a temporary account, and stores the balance in the personal deposit account data file 28 and the temporary account data file 30. The current deposit balance is updated to a new deposit balance, and the personal deposit account data file 28 and the temporary account data file 30 record the deposit and withdrawal history such as deposit and withdrawal date, deposit and withdrawal amount, and transfer account number. Then, the new account balance of the temporary account and the deposit / withdrawal history of the temporary account are transmitted to the prepaid management terminal device 5 and stored in the storage device 33.

Next, the case of purchasing a meal ticket using the IC card 1 into which the amount data has been input as described above will be described with reference to the flowcharts shown in FIGS.

In the initial state, a screen requesting insertion of the IC card 1 is displayed on the display 23 of the transaction terminal device 3, and the card holder inserts the IC card 1 into the card insertion slot of the transaction terminal device 3. When inserted (step # 105), the magnetic reader 20 reads data stored in the magnetic stripe 7 of the IC card 1, and
The reader / writer 19 reads the ID data and the data such as the card expiration date stored in the memory 10 of the semiconductor element 6 of the IC card 1, and the arithmetic processing unit 21 collates the data with the data stored in the memory 23. Then, the validity of the IC card 1 is determined (step # 110).

If the determination is negative, an error message is displayed on the display 24 (step # 11).
5) The IC card 1 is ejected from the card insertion slot. If the determination result is acceptable, the arithmetic processing unit 21
The prepaid balance stored in the memory 10 of the C card 1 is read, and the names of various commodities are displayed on the display 24 along with the prepaid balance (step # 120). When the card holder selects a desired product and inputs it to the transaction terminal device 3 (step # 12)
5), the arithmetic processing unit 21 determines whether or not the price of this product is within the prepaid balance (step # 130).

If the result of the determination is negative, an error message is displayed on the display 24 (step # 1).
35). When the card owner makes another menu selection, he inputs another menu, and when he does not make another menu selection, he presses the stop key on the screen, and the IC card 1 is ejected from the card insertion slot. (Step # 14
0). If the determination result is acceptable in step # 130, the new prepaid balance is obtained by subtracting the menu amount from the prepaid balance (step # 145). If another menu is subsequently selected, another menu is selected. Is input, and if no other menu is selected, pressing the meal ticket issuance key on the screen transmits the new prepaid balance to the IC card 1, and the prepaid balance stored in the memory 10 becomes the new prepaid balance. At the same time, the date and time of sale, product name, sales amount,
Sales data such as a bank code, a personal account number, a card number, and a new prepaid balance are written (step # 1).
50, # 155). Then, the printer 17 issues a meal ticket (step # 160), and the IC card 1 is ejected from the card insertion slot (step # 165). The transaction terminal device 3 transmits the sales data stored in the memory 23 to the prepaid management terminal device 5 at regular intervals, and the sales data is stored in the storage device 33.

The prepaid management terminal device 5 transfers the sales data transmitted from the transaction terminal device 3 to the bank host system 4 at regular intervals, and stores the sales amount from the temporary account into the store operating the employee cafeteria. And the deposit balance stored in the temporary account data file 30 and the deposit balance stored in the store deposit account data file 29 are updated to the new deposit balance, respectively, and the temporary account data file 30 and the store are updated. A deposit / withdrawal history is recorded in the deposit account data file 29. Then, the deposit balance and the deposit / withdrawal history of the temporary account and the deposit account of the store are transmitted to the prepaid management terminal device 5 and stored in the storage device 33.

The prepaid management terminal device 5 checks for unauthorized use of the IC card 1 at regular intervals based on the data stored in the storage device 33. That is, when only the prepaid balance is rewritten in the IC card 1 by the depositing terminal device 2, the depositing history is stored in the depositing terminal device 2, but the transfer from the personal deposit account to the temporary account is not performed. So, the payment history to IC card 1
By checking the transfer history from the personal deposit account of the owner of the IC card to the temporary account, fraud can be checked.

It is also conceivable that the prepaid balance in the IC card 1 is rewritten by a device other than the payment terminal device 2. In this case, the deposit history of the IC card 1 by the deposit terminal device 2, the subtraction history of the sales amount from the IC card 1 by the transaction terminal device 3, and the sales amount by the transaction terminal device 3 are subtracted. The presence or absence of fraud can be checked from the prepaid balance in the IC card 1 later. That is, the total amount A of the subtraction amount at a certain point in time is calculated from the subtraction history of the sales amount from the IC card 1, and the total amount A of the subtraction amount from the payment history to the IC card 1 is calculated up to the point in time.
The total amount B of the amount data written in the C card 1 is calculated. Then, the difference between B and A is calculated, and the difference is compared with the prepaid balance C in the IC card 1 at the time. I
If the C card 1 is used correctly, BA = C, but if the prepaid balance is added by a device other than the depositing terminal device 2, BA <C. Therefore, it is possible to check whether there is any fraud.

When the fraud is found, the fact is transmitted to the transaction terminal 3, and the card cannot be used thereafter. Therefore, unauthorized use of the card can be quickly detected, and damage can be reduced.

The present invention is not limited to the above embodiment, and various changes can be made without departing from the gist of the present invention. For example, the present invention can be applied to cases other than the purchase of a meal ticket in an employee cafeteria. Further, the data storage area of the IC card may be provided inside the semiconductor element, and the IC reader / writer may also serve as a reading unit for reading data in the data storage area. Also,
In order to improve security, the payment terminal device 2, the transaction terminal device 3, the bank host system 4, and the prepaid management terminal device 5 may be connected by a dedicated communication line.

[0035]

As described above, according to the present invention,
Since the unauthorized use of the IC card can be detected by the prepaid management terminal device, the security is high. Also,
The present invention can be configured at low cost using existing communication terminal equipment, personal computers, and the like.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a prepaid card system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a schematic configuration of an IC card.

FIG. 3 is a block diagram showing a schematic configuration of a deposit terminal device.

FIG. 4 is a block diagram showing a schematic configuration of a transaction terminal device.

FIG. 5 is a block diagram showing a schematic configuration of a bank host system.

FIG. 6 is a block diagram showing a schematic configuration of a prepaid management terminal device.

FIG. 7 is a flowchart showing a procedure for performing a payment process on an IC card.

FIG. 8 is a flowchart showing a procedure for performing a payment process on an IC card.

FIG. 9 is a flowchart illustrating a procedure for purchasing a meal ticket.

FIG. 10 is a flowchart showing a procedure for purchasing a meal ticket.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 IC card 2 Deposit terminal 3 Transaction terminal 4 Bank host system 5 Prepaid management terminal 6 Semiconductor element 7 Magnetic stripe (data storage area) 11, 19 IC reader / writer 12, 20 Magnetic reader (reading means) 28 Personal deposit account data file 29 Store deposit account data file 30 Temporary account data file PL1, PL2, PL3, PL4 Public line (communication line)

Claims (3)

[Claims] 1. An IC card having a semiconductor element for storing money amount data, at least a data storage area for storing personal identification data, and a semiconductor element for reading data stored in a semiconductor element of the IC card. An IC reader / writer for writing data to an element, and reading means for reading data stored in a data storage area of the IC card;
A terminal device for depositing money data on a C card, an IC reader / writer for reading data stored in a semiconductor element of the IC card and writing data in the semiconductor element, and an IC reader / writer stored in a data storage area of the IC card. Reading means for reading the data stored in the memory.
A transaction terminal device for subtracting the sales amount from the balance of the amount data stored in the C card; and a deposit terminal connected to the deposit terminal via a communication line, such as a deposit balance of a personal deposit account and a deposit / withdrawal history. A personal deposit account data file that stores data, a store deposit account data file that stores deposit data of a deposit account at a store, deposit and withdrawal history, and a deposit data of a temporary account, a deposit balance and a deposit and withdrawal history. A temporary account data file to be stored, and transfer the amount written to the IC card by the depositing terminal from the personal deposit account of the owner of the IC card to the temporary account. A bank host system for transferring the sales amount subtracted from the IC card from the temporary account to a deposit account of a store having the transaction terminal device; The depositing terminal device, the transaction terminal device, and the bank host system are connected via a communication line, and the deposit history to the IC card by the depositing terminal device and the personal deposit account of the owner of the IC card. A prepaid management terminal device for checking unauthorized use of the IC card from the transfer history to the temporary account.
A prepaid card system using a C card. 2. An IC card having a semiconductor element for storing price data, at least a data storage area for storing personal identification data, and a semiconductor device for reading data stored in a semiconductor element of the IC card. An IC reader / writer for writing data to an element, and reading means for reading data stored in a data storage area of the IC card;
A terminal device for depositing money data on a C card, an IC reader / writer for reading data stored in a semiconductor element of the IC card and writing data in the semiconductor element, and an IC reader / writer stored in a data storage area of the IC card. Reading means for reading the data stored in the memory.
A transaction terminal device for subtracting the sales amount from the balance of the amount data stored in the C card; and a deposit terminal connected to the deposit terminal via a communication line, such as a deposit balance of a personal deposit account and a deposit / withdrawal history. A personal deposit account data file that stores data, a store deposit account data file that stores deposit data of a deposit account at a store, deposit and withdrawal history, and a deposit data of a temporary account, a deposit balance and a deposit and withdrawal history. A temporary account data file to be stored, and transfer the amount written to the IC card by the depositing terminal from the personal deposit account of the owner of the IC card to the temporary account. A bank host system for transferring the sales amount subtracted from the IC card from the temporary account to a deposit account of a store having the transaction terminal device; The depositing terminal device, the transaction terminal device, and the bank host system are connected via a communication line, and the deposit history to the IC card by the depositing terminal device and the transaction history from the IC card by the transaction terminal device. A prepaid management terminal device that checks for unauthorized use of the IC card from a history of subtraction of the sales amount and a balance of the amount data in the IC card after the sales amount is subtracted by the transaction terminal device. A prepaid card system using an IC card. 3. The data storage area of the IC card is provided inside the semiconductor element, and the IC reader / writer also serves as a reading unit for reading data stored in the data storage area. A prepaid card system using the IC card according to claim 1.