JP3709162B2 - Credit card authentication system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
In the present invention, a central data processing center to which a large number of portable credit card authentication terminals (hereinafter abbreviated as CAT if necessary) are connected by a public wireless communication network is connected to each credit card company via a card business integrated network system. The present invention relates to a credit card authentication system that allows access to a host computer.
[0002]
[Prior art]
A typical card business network system that connects credit card merchants and credit card companies and performs credit card authentication and sales processing quickly and inexpensively is CAFIS of NTT DATA COMMUNICATIONS CO., LTD. is there. Each credit card member store has one or a plurality of CATs, and each CAT is connected to a card business integrated network system such as CAFIS via a public wired telephone network. In the case of a credit card member store having a large number of CATs, each CAT is connected to the central data processing center of the credit card member store via a dedicated communication cable, and this host computer is connected to the card business integrated network system. ing.
[0003]
The convenience of a credit card is that a relatively small payment of tens of thousands of yen or less can be made quickly and easily. In view of this convenience, credit cards are optimal for paying taxi fare. However, at present, most taxis do not have a CAT. Nevertheless, several authentication systems that allow credit cards to be used in taxis have been proposed. That is, it has been proposed as a part of a taxi card credit card management system and its operation method disclosed in Japanese Patent No. 2739094 and as a part of a taxi fare adjustment device disclosed in Japanese Patent Laid-Open No. 10-111961. However, there was a problem that neither of them could be authenticated online.
[0004]
Therefore, the applicant of the present invention connects a large number of portable credit card authentication terminals to the central data processing center by means of a packet communication type public wireless communication network, and the central data processing center is connected to the central data processing network via the card business integrated network system. A credit card authentication system with a low usage fee and high security that allows online authentication processing to be performed on the portable credit card authentication terminal by accessing a host computer of a credit card company online, and using this system A portable credit card authentication terminal that can perform online authentication processing with a simple operation in a taxi or a delivery vehicle has been developed and a patent application has been filed earlier (Japanese Patent Application No. 10-189618).
[0005]
In the credit card authentication system according to the patent application, the portable credit card authentication terminal and the central data processing center are connected by a public communication network of a packet communication system, and the usage fee is not the connection time but the amount of information transmitted. Depends on. However, in the credit card authentication system, the amount of information transmitted is still not small.
[0006]
In addition, a portable credit card authentication terminal mounted on a taxi or a delivery car or carried by a visiting salesperson is more likely to be stolen than a stationary authentication terminal. The portable credit card authentication terminal erases all data such as card information used in the authentication procedure from its built-in memory after the authentication procedure is completed. Therefore, in most cases, the card information cannot be read from the portable credit card authentication terminal. However, when moving to an area where radio waves do not reach during the authentication procedure, data in the middle of the authentication procedure is held, and this state is held until returning to the area where radio waves reach. In this way, the card information can be read from the portable credit card authentication terminal in a state where the data being processed is being held. Therefore, there is a risk that data is illegally read from the portable credit card authentication terminal and misused.
[0007]
Furthermore, when a criminal act that a stolen credit card is used at a credit card authentication terminal is performed, a store clerk who receives authentication result information from the card company and operates the authentication terminal knows this. However, reporting to a security company or police is dangerous, so it is inevitable to overlook criminals.
[0008]
[Problems to be solved by the invention]
The first problem to be solved is to further reduce communication costs in a credit card authentication system using a wireless communication network.
The second problem to be solved is to disable the authentication terminal when the portable credit card authentication terminal is stolen in a credit card authentication system using a wireless communication network.
[0009]
The third problem to be solved is that in a credit card authentication system using a wireless communication network, the clerk who operates the authentication terminal is not exposed to danger, and the user of the stolen credit card is protected by police or security. It is to be able to report to the company.
[0010]
[Means for Solving the Problems]
In order to solve the first problem, a large number of portable credit card authentication terminals are connected to a central data processing center through a packet communication type public wireless communication network, and the central data processing center is connected to a card business integrated network system. In the credit card authentication system in which online authentication processing can be performed by the portable credit card authentication terminal by accessing the host computer of each credit card company online via the routing data storage means in the central data processing center To allow routing processing.
[0011]
In order to solve the first problem, in the credit card authentication system capable of performing online authentication processing with the above-described portable credit card authentication terminal, terminal information storage means is provided in the central data processing center, and terminal information Was managed centrally.
In order to solve the second problem, in the credit card authentication system in which online authentication processing can be performed by the above-described portable credit card authentication terminal, the central data processing center stores the theft information of the portable credit card authentication terminal. And a means for generating a memory erasure signal when it is determined that the portable credit card authentication terminal that has requested the start of the authentication procedure is stolen. The portable credit card authentication terminal is provided with means for receiving the memory erasure signal and disabling the built-in memory.
[0012]
In order to solve the third problem, in the credit card authentication system capable of performing online authentication processing with the above-described portable credit card authentication terminal, the central data processing center is provided with a theft credit card use notification means, The police and security companies can be notified immediately.
[0013]
DETAILED DESCRIPTION OF THE INVENTION
As shown in FIG. 1, an embodiment of a credit card authentication system using a wireless communication network according to the present invention includes a portable credit card authentication terminal 1, a wireless relay station 2, a packet switching station 3, a central station mounted on a taxi. This is a system including a data processing center 4, a card business integrated network system 5 such as CAFIS, and a credit card company 6.
[0014]
The credit card authentication terminal 1 is provided with transmission / reception means for packet communication, and is connected to the wireless relay station 2 by a wireless transmission path 8. The wireless relay station 2 and the packet switching station 3 and the packet switching station 3 and the central data processing center 4 are connected by wires. The wireless relay station 2 and the packet switching station 3 constitute part of a public wireless communication network using a packet communication method. A large number of portable credit card authentication terminals 1 are connected to the central data processing center 4 through the public wireless communication network of the packet communication system.
[0015]
The central data processing center 4 is connected to the card business integrated network system 5 so that the host computer of each credit card company 6 can be accessed online via the card business integrated network system 5. The central data processing center 4 includes a main control unit (CPU) 41 having a processing capability corresponding to the number of credit card authentication terminals 1 and the amount of data, and a memory 42 such as a hard disk. It functions as a host computer of the terminal 1. The memory 42 includes a terminal information storage unit 42a, a member store information storage unit 42b, a card company information storage unit 42c, a transaction information storage unit 42d, a payment condition information storage unit 42e, and a routing information storage unit 42f.
[0016]
As shown in FIG. 2, for example, a portable credit card authentication terminal 1 according to the present invention includes a microprocessor 11 for processing data, a memory 12 for storing programs and data, and card information reading means for reading card information of an authentication credit card that requires authentication. A card reader 13, a keyboard 14 for inputting information such as a taxi fare and a payment method, a packet communication transmitting / receiving unit 17 for connection to a public wireless communication network of a packet communication system, and a display means such as an authentication result. It comprises a display 15, a printer 16 for printing receipts, etc., and a battery and power supply circuit 18 for supplying power to these components. The memory 12 includes a card information storage unit 12a, an authentication result information storage unit 12b, and various setting information storage units 12c.
[0017]
By the way, in a conventional credit card authentication system, a stationary credit card authentication terminal 7 installed in a credit card member store or the like includes a microprocessor 71 for processing data, a memory 72 for storing programs and data, a credit card requiring authentication. A card reader 73 which is a card information reading means for reading the card information, a keyboard 74 for inputting information such as a usage fee and a payment method, a display 75 which is a means for displaying an authentication result, a receipt, etc. are printed. The printer 76, an interface unit 77 including a transmission / reception unit with the card business integrated network system 5, and a power supply circuit for supplying power to these components. The memory 72 includes a card information storage unit 72a, an authentication result information storage unit 72b, various setting information storage units 72c, a terminal information storage unit 72d, a member store information storage unit 72e, a card company information storage unit 72f, a transaction information storage unit 72g, A payment condition information storage unit 72h and a routing information storage unit 72i are included at least.
[0018]
As is apparent from the comparison with the conventional credit card authentication system shown in FIG. 3, the credit card authentication system according to the present invention includes terminal information, member store information, and card company information stored in the conventional stationary credit card authentication terminal. The transaction information, the payment condition information and the routing information are stored in the central data processing center 4, and the card identification information and the authentication result information are stored in the portable credit card authentication terminal 1. . The operation and effect of the present invention having such a configuration is as described below.
[0019]
First, the routing process will be described. The routing process is a process of including routing information that defines a route of information transmission to the card company, that is, routing information, in transmission data from the credit card authentication terminal side to the card business integrated network system 5. With regard to credit cards, single cards that can only be serviced by only one company are rarely seen recently, and double cards or triple cards are the mainstream. Double cards can receive services from two companies, and triple cards can receive services from three companies. When such a double card or a triple card is used, information on authentication and transaction is inputted to all of two companies or three companies with a mark on the credit card. This information transmission route is determined by the partnership between these two or three companies. Conventionally, since the determination of routing is performed by a stationary credit card authentication terminal, it is necessary to download the routing information from the card company to each authentication terminal when the routing information changes due to the release of a member store or the like. On the other hand, in the present invention, since the routing information is stored in the memory of the central data processing center 4 and is not downloaded to each authentication terminal, the central data processing center 4 passes through the public wireless communication network of the packet communication system. The amount of information transmitted to the portable credit card authentication terminal 1 has decreased accordingly.
[0020]
Next, information sent to the card business integrated network system will be described. An example of a frame of transmission data transmitted from the authentication terminal side to the card company via the card business integrated network system is composed of card information, transaction information, terminal information, and routing information as shown in FIG. In the conventional credit card authentication system of FIG. 3, the stationary authentication terminal 7 generates the data having the frame configuration of FIG. That is, the microprocessor 71 of the stationary authentication terminal 7 performs processing for generating the data of FIG. 4 according to the program. On the other hand, in the credit card authentication system using the packet communication type public wireless communication network of the present invention, the data of FIG. 4 is generated not by the portable credit card authentication terminal 1 but by the central data processing center 4. is there. The portable credit card authentication terminal 1 generates compact data composed of card information and transaction information as shown in FIG. 5 and transmits this compact data to the central data processing center 4. In the central data processing center 4, the main control unit 41 generates terminal data and transmission information having the frame structure shown in FIG. 4 in the data shown in FIG. 5 according to the program. Since such a transmission data generation method is employed, the amount of information transmitted from the portable credit card authentication terminal 1 to the central data processing center 4 via the packet communication public wireless communication network is reduced.
[0021]
Next, how to notify the police, security company, etc. when a stolen credit card is used in an authentication terminal will be described. In the credit card authentication system according to the present invention, a central data processing center 4 is interposed between the portable credit card authentication terminal 1 and the card company 6. When the authentication procedure is performed, the authentication result information from the card company 6 is always sent to the portable credit card authentication terminal 1 via the central data processing center 4. Therefore, the central data processing center 4 checks the authentication result information according to the flow shown in FIG. That is, the central data processing center 4 receives the authentication result information from the card company 6 (S11), and the main control unit 41 determines whether the authentication result information includes information indicating that the card is a stolen card according to the program. If it is not a theft card (S12), the authentication result information is transmitted to the portable credit card authentication terminal 1 (S13). If the authentication result information includes information indicating that the card is a theft card, this is displayed or immediately notified to the police, security company, etc. using the telephone (S14). The reporting may be performed by a supervisor of the central data processing center 4 or may be automatically performed by directly connecting the central data processing center 4 to a computer such as the police or a security company. Since the theft card use reporting means 45 for performing such processing is provided in the central data processing center 4, the credit card authentication system according to the present invention has improved transaction security.
[0022]
Next, it will be described that when the portable credit card authentication terminal 1 itself is stolen, it cannot be used illegally. As described above, the terminal information storage unit 42a is provided in the memory 42, and the central data processing center 4 is configured to centrally manage terminal information. Information that the portable credit card authentication terminal 1 has been stolen is input to the central data processing center 4 directly or via a police or the like from a legitimate user or a company that is the user, and the information is stored in a terminal information storage unit. 42a. When there is an authentication procedure request from the portable credit card authentication terminal 1, it is checked whether it is a theft authentication terminal according to the flow shown in FIG. That is, the central data processing center 4 receives the request for the authentication procedure from the portable credit card authentication terminal 1 (S21), and the main control unit 41 identifies the authentication terminal number included in the received data according to the program, and the authentication Whether or not the terminal has been stolen is determined by searching the terminal information storage unit 42a (S22), and if it is not the theft authentication terminal, transmission data to be sent to the card business integrated network system 5 is generated for the authentication procedure. (S23). When it is determined that the terminal is a theft authentication terminal, the main control unit 41 generates a memory erasure signal (S24) and transmits it to the portable credit card authentication terminal 1 (S25). When the portable credit card authentication terminal 1 receives the memory erasure signal, the portable credit card authentication terminal 1 erases information stored in the memory 12 and disables the authentication terminal itself. Therefore, the card information is read from the stolen portable credit card authentication terminal 1 and cannot be used illegally.
[0023]
【The invention's effect】
In the credit card authentication system using the wireless communication network of the present invention, a terminal information storage unit and a routing information storage unit are provided in the memory 42 of the central data processing center 4 so as to centrally manage information common to each authentication terminal, In addition, the memory of each portable credit card authentication terminal 1 is provided with only a storage unit required for authentication and transaction procedures such as a card information storage unit, an authentication result information storage unit, and various setting condition information storage units. As a result, the memory capacity of the portable credit card authentication terminal could be reduced.
[0024]
In the present invention, since the routing information is stored in the memory of the central data processing center 4 and is not downloaded to each authentication terminal, the portable credit card authentication terminal is transmitted from the central data processing center 4 via the public wireless communication network of the packet communication system. The amount of information transmitted to 1 was reduced accordingly, and communication costs could be reduced. Furthermore, the information transmitted from each portable credit card authentication terminal 1 for authentication via the packet communication type public wireless communication network is only card information and other minimum necessary information. Because the information sent for this purpose is only card information, transaction information, and other minimum information, all of them are compact information, reducing the amount of information and reducing communication costs.
[0025]
Further, in the credit card authentication system using the public wireless communication network of the present invention, since the central data processing center is provided with a theft credit card use notification means, it does not pose a danger to the store clerk operating the authentication terminal. As a result, users of stolen credit cards can be reported safely and reliably to the police and security companies. Therefore, the safety of the credit card authentication system according to the present invention has increased.
[0026]
Further, in the credit card authentication system using the public wireless communication network of the present invention, the central data processing center manages the theft information of the portable credit card authentication terminal, and it is determined that the portable credit card authentication terminal has been stolen. In such a case, a memory erasure signal is generated, and the portable credit card authentication terminal receives the memory erasure signal and disables the built-in memory. Thus, it is possible to reliably prevent confidential data such as card information from being read illegally. Therefore, the safety and reliability of the credit card authentication system according to the present invention has increased.
[Brief description of the drawings]
FIG. 1 is a configuration diagram of an embodiment of a credit card authentication system using a public wireless communication network.
FIG. 2 is a configuration diagram of an embodiment of a portable credit card authentication terminal.
FIG. 3 is a configuration diagram of a stationary credit card authentication terminal and a conventional credit card authentication system including the authentication terminal.
FIG. 4 is a diagram showing an example of a frame configuration of transmission data transmitted from the authentication terminal side to the card company via the card business integrated network system.
FIG. 5 is a diagram showing an example of a frame configuration of transmission data transmitted from a portable credit card authentication terminal to a central data processing center.
FIG. 6 is a flowchart showing the flow of processing of a theft card use reporting means for reporting the use of a theft card to the police and the like.
FIG. 7 is a flowchart showing a flow of processing for disabling the authentication terminal when the portable credit card authentication terminal is stolen and used;
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Portable credit card authentication terminal 2 Wireless relay station 3 Packet switching center 4 Central data processing center 5 Card business integrated network system 6 Credit card company 7 Stationary credit card authentication terminal 8 Wireless transmission path 11 Microprocessor 12 Memory 12a Card information storage Unit 12b authentication result information storage unit 12c various setting information storage unit 13 card reader 14 keyboard 15 display 16 printer 17 transmission / reception unit 18 battery / power supply circuit 41 main control unit 42 memory 42a terminal information storage unit 42b member store information storage unit 42c card Company information storage unit 42d Transaction information storage unit 42e Payment condition information storage unit 42f Routing information storage unit 43 First interface unit 44 Second interface unit 45 Theft card use notification means 71 Microprocessor 72 Memory 2a Card information storage unit 72b Authentication result information storage unit 72c Various setting information storage unit 72d Terminal information storage unit 72e Member store information storage unit 72f Card company information storage unit 72g Transaction information storage unit 72h Payment condition information storage unit 72i Routing information storage unit 73 Card reader 74 Keyboard 75 Display 76 Printer 77 Interface section

Claims (3)

A large number of portable credit card authentication terminals are connected to a central data processing center via a packet communication type public wireless communication network, and this central data processing center is online to the host computer of each credit card company via a card business integrated network system. In the credit card authentication system in which online authentication processing can be performed by the portable credit card authentication terminal
The central data processing center
Storage means for recording information of the portable credit card authentication terminal, information of member stores, information of a credit card company, and routing information that defines a route of information transmission to a handleable credit card company;
Routing information reading means for reading out the routing information of the credit card that has received the authentication request from the portable credit card authentication terminal from the storage means;
Request for authentication of the credit card by including the routing information read by the routing information reading means in the data including the card information of the credit card that has received the authentication request received from the portable credit card authentication terminal Routing processing means for generating data for
Credit card authentication requesting means for transmitting data for requesting authentication of the credit card generated by the routing processing means to a host computer of each credit card company;
Determining means for determining whether or not the credit card is a stolen card from an authentication result of the credit card received from a host computer of each credit card company;
An emergency contact means for transmitting the authentication result to an emergency contact when the determination means determines that the credit card is a theft card;
A credit card authentication system comprising: A central data processing center used in the credit card authentication system of claim 1,
Storage means for recording information of the portable credit card authentication terminal, information of member stores, information of a credit card company, and routing information that defines a route of information transmission to a handleable credit card company;
Routing information reading means for reading out the routing information of the credit card that has received the authentication request from the portable credit card authentication terminal from the storage means;
Request for authentication of the credit card by including the routing information read by the routing information reading means in the data including the card information of the credit card that has received the authentication request received from the portable credit card authentication terminal Routing processing means for generating data for
Credit card authentication requesting means for transmitting data for requesting authentication of the credit card generated by the routing processing means to a host computer of each credit card company;
Determining means for determining whether or not the credit card is a stolen card from an authentication result of the credit card received from a host computer of each credit card company;
An emergency contact means for transmitting the authentication result to an emergency contact when the determination means determines that the credit card is a theft card;
A central data processing center characterized by comprising: An emergency contact method used in the credit card authentication system according to claim 1,
In the central data management device,
Recording the information of the portable credit card authentication terminal, the information of the member store, the information of the credit card company, and the routing information that defines the route of information transmission to the handleable credit card company;
Reading out the routing information of the credit card that has received the authentication request from the portable credit card authentication terminal from the pre-storage means;
The step of generating data for requesting authentication of the credit card by including the routing information in the data including the card information of the credit card that has received the authentication request, received from the portable credit card authentication terminal When,
Transmitting data for requesting authentication of the credit card generated by the routing processing means to a host computer of each credit card company;
Determining whether or not the credit card is a stolen card from an authentication result of the credit card received from a host computer of each credit card company;
When the determining means determines that the credit card is a stolen card, the step of transmitting the authentication result to an emergency contact;
An emergency contact method characterized by comprising:

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