JP4939106B2 - Card management server, card management system, card management method, and card management program - Google Patents

Description

  The present invention relates to a card management server, a card management system, a card management method, and a card management program, and in particular, a card management server that manages a card in which identification information for identifying the card is stored, and card management. The present invention relates to a system, a card management method, and a card management program.

  In recent years, cards that have been converted into gift cards as magnetic cards so that they can be used like playpaid cards are on the market.

  Such a card has a relatively small amount of money and has not been verified. On the other hand, there is also a demand for preventing unauthorized use by performing identity verification like a credit card in order to prevent unauthorized use by a third party.

At this time, in order to prevent unauthorized use by a third party, the card system that performs identity verification always performs identity verification. (See Patent Documents 1 and 2).
JP 2001-306503 A JP 2001-306506 A

  However, if a card such as a prepaid card is used to verify the identity, such as a credit card, in order to prevent unauthorized use, there is a problem that it is difficult to use and some users are shunned and cannot be used widely. It was.

  The present invention has been made in view of the above points, a card management system that allows a user to select identity verification, is easy to use, and prevents unauthorized use, and a card management server, a card management method, and The purpose is to provide a card management program.

  The present invention is a card management server that manages the use of a card in which at least a card number is stored by communicating with the terminal, and the card of the use card requested from the authentication confirmation registration terminal among the terminals by the card user Requesting authentication information from the authentication confirmation registration terminal based on an instruction to perform authentication confirmation when using the card for the number, and registering the authentication information notified from the authentication confirmation registration terminal in the database in response to the request An authentication information registration unit for setting authentication confirmation, and a database based on the card number notified from the card usage destination terminal when the card usage instruction is notified together with the card number from the card usage destination terminal among the terminals. If authentication confirmation is set in the database, the authentication information registered in the database is stored in the card. The authentication confirmation request is sent to the destination terminal, the authentication confirmation result is received from the card usage destination terminal, the use of the card is controlled based on the authentication confirmation result, and the authentication confirmation is set in the database. If not, card usage control means for permitting card usage without requesting the authentication confirmation is provided.

Further, the authentication information registration means selects a plurality of authentication methods set in advance based on an instruction to perform authentication confirmation when using the card with respect to the card number of the used card requested from the authentication confirmation registration terminal by the card user. Authentication information corresponding to the selected authentication method is requested to the authentication confirmation registration terminal, and the authentication method notified from the authentication confirmation registration terminal and the authentication information corresponding to the selected authentication method are stored in the database in response to the request. It is characterized by registering.
Further, the authentication information registration means permits setting of authentication confirmation and registration of authentication information when the password of the card notified from the authentication confirmation registration terminal at the time of authentication confirmation registration matches the password registered in advance. It is characterized by that.

  According to the present invention, it is possible to set whether to permit the use of the card without performing the authentication confirmation at the will of the card user, or to permit the use of the card by performing the authentication confirmation. If so, it can be set with the authentication confirmation method and confirmation information desired by the card user.

〔System configuration〕
FIG. 1 shows a system configuration diagram of an embodiment of the present invention.

  The card management system 100 according to the present embodiment includes a card issuing terminal 111, a card management server 112, a database 113, an identity verification registration terminal 114, a store terminal 115, and a network 116.

  The card issuing terminal 111 can communicate with the card management server 112 via the network 116. A card reader / writer 121 is connected to the card issuing terminal 111, communicates with the card management server 112 via the network 116, and uses a card reader light 121 to store a card number recorded in advance on the new card 131. Register in the database 113.

  The card management server 112 is composed of a computer system, and can communicate with the card issuing terminal 111, the identity verification registration terminal 114, and the store terminal 115 via the network 116. The card management server 112 is configured to include functions such as a new card issuing unit 121, an identity verification information setting unit 122, a card management information notification unit 123, and a payment processing unit 124. These functions are realized by a program, for example.

  The new card issuing means 121 executes processing for registering the card number of the new card 171 in the database 113 in response to a card issuing request from the card issuing terminal 111.

  The personal identification information setting means 122 executes a process for setting whether or not to perform personal identification when the card is used based on a personal identification request from the personal identification registration terminal 114, and for registering the personal identification type and the personal identification information. .

  The card management information notifying means 123 searches the database 113 based on the card information request request from the store terminal 115, reads the card management information corresponding to the requested card number, and executes a process of notifying the store terminal 115. .

  The settlement processing means 124 subtracts the usage fee from the balance stored in the card management information in the database 113 based on the card number of the card 181 supplied from the store terminal 115, and uses the subtracted amount as the balance to manage the card in the database 113. A process of settlement is executed by updating the information.

  The database 113 manages information such as a PIN number (password), balance, identity verification necessity, identity confirmation information, etc. for each card number, and the card management server 112 uses the new card issuing means 121, identity confirmation information setting means. 122, registration, reference, or change by executing functions such as the card management information notifying unit 123 and the settlement processing unit 124.

  FIG. 2 shows a data structure diagram of the database 113.

  The database 113 includes a card management information database 113a and a personal identification type database 113b.

  The card management information database 113a includes a card number storage unit 131, a PIN number storage unit 132, a personal identification type storage unit 133, a confirmation information storage unit 134, and a balance information storage unit 135.

  The card number storage unit 131 stores the card number of the registered card 181. The PIN number storage unit 132 stores a card password. The personal identification type storage unit 133 stores information regarding the type of the personal identification method.

  The confirmation information storage unit 134 stores identification information corresponding to the identification type. The balance information storage unit 135 stores a balance that is an amount that can be used by the card 181.

  In FIG. 2A, a PIN number (password) “10893259” is set for the card number “100100”, “2” is registered in the personal identification type information, and “12345-678” is registered as the confirmation information. It is registered. The balance is “9,900” yen.

  Further, the PIN number “7342136” is set for the card number “100101”, the personal identification type information “1” is registered, and “9876” is registered as the confirmation information. The balance is “800” yen. Furthermore, the PIN number “7342136” is set for the card number “100102”, the personal identification type information “0” is set, and the confirmation information is not registered. The balance is “2,500” yen.

  The personal identification type database 113b is provided with a confirmation type part 141 and an explanation column 142. In the explanation column 142, explanations corresponding to the identity confirmation type information set in the confirmation type part 141 are registered.

  In FIG. 2B, the description “none” that does not perform identity verification is registered as the description of the identity verification identification information “0”, and “password” that performs identity verification as a description of the identity verification identification information “1”. The description of “driver's license number” for registering the identity with the driver's license number is registered as the description of the identity verification identification information “2”.

  For example, when the card number “100100” is called by the store terminal 115, the person confirmation type database 113b is referred to by the person confirmation type information “2”, the explanation “driver's license number” is called, and the confirmation information “ 12345-678 "and provided to the store terminal 115.

  When the card number “100101” is called by the store terminal 115, the person confirmation type database 113b is referred to by the person confirmation type information “1”, and the explanation “password” is called, together with the confirmation information “9876”. Provided to the store terminal 115. Further, when the card number “100102” is called by the store terminal 115, the identity confirmation type database 113 b is referred to by the identity confirmation type information “0”, and the explanation “none” is provided to the store terminal 115.

  The identity verification registration terminal 114 is configured by a computer system, a mobile phone, or the like, and can communicate with the card management server 112 via the network 116. In accordance with an instruction from the identity verification registration terminal 114, the identity verification type and the identity verification information in the card management information database 113a are registered.

  The store terminal 115 includes a computer system, a POS terminal, and the like, and can communicate with the card management server 112 via the network 116.

  The network 116 is a communication network including a telephone line, a LAN, the Internet, a mobile phone line, and the like.

  In this embodiment, the card issuing terminal 111 and the store terminal 115 are described as separate devices, but the same device may be used.

[Operation]
[Overall operation]
FIG. 3 shows a state transition diagram of one embodiment of the present invention.

  When a new card is issued, the new card 171 is inserted into the card reader / writer 151 of the card issuing terminal 111 and a new card issuing operation is performed. When a new card issuance operation is performed, the card issuing terminal 111 sends a new card issuance request by notifying the card management server 112 of the PIN number and the issued amount from the card issuing terminal 111 in step S1-1. . When a new card issuance request is received from the card issuance terminal 111, the card management server 112 obtains new card issuance information such as a card number, PIN number, and issuance amount (balance information) in step S1-2. Register in the database 113a. When the card management server 112 registers the card number, PIN number, and issue amount (balance information) in the card management information database 113a, the card management server 112 notifies the card issue terminal 111 of the card number registered in step S1-3.

  The card issuing terminal 111 records the card number notified from the card management server 112 in step S1-4 on the new card 171 by the card reader / writer 151.

  Thus, the card number is recorded on the card 171 and the card 171 can be used.

  When the card 171 was created, the PIN number stamped at the card issuing terminal and the recorded card number were registered as a newly created card in the card management information database 113a of the card management server, and the card 171 was deposited. Sometimes, the deposit amount may be recorded in the balance information of the card management information database 113a of the card number that has been deposited and set to a usable state.

  Next, the case where the personal identification information is set will be described.

  When setting the identity verification information, the identity verification registration operation is performed at the identity verification registration terminal 114, and the card number and the PIN number are input. When the identity confirmation setting operation is performed at the identity confirmation registration terminal 114 and the card number and the PIN number are input, the identity confirmation registration terminal 114 issues an identity confirmation information confirmation request to the card management server 112 in step S2-1. .

  In step S2-2, the card management server 112 refers to the card management information database 113a from the card number included in the personal identification information confirmation request from the personal identification registration terminal 114, and determines whether or not the requested card number is included. Then, it is determined whether the PIN number for the card number matches, and the confirmation result is notified to the identity confirmation registration terminal 114 in step S2-3.

  When the confirmation result is notified from the card management server 112, the identity confirmation registration terminal 114 displays the identity confirmation information setting screen in step S2-4 according to the confirmation result. Here, when the person confirmation type is set and the person confirmation information is registered, the person confirmation registration terminal 114 notifies the card management server 112 of a person confirmation information registration request including the person confirmation type and the person confirmation information in step S2-5. .

  When the card management server 112 receives the identity verification information registration request including the identity verification type and the identity verification information from the identity verification registration terminal 114 in step S2-6, the card management server 112 stores the received identity verification type and identity verification information in the card management information database 113a. Set to. This completes the registration of identity verification information.

  Next, a case where the registered card 181 is used in a store will be described.

  When using the card 181, the registered card 181 is inserted into the card reader / writer 161 connected to the store terminal 115. When the card 181 is inserted, the card reader / writer 161 reads the card number recorded on the card 181 and supplies it to the store terminal 115.

  When the card number of the card 181 is supplied from the card reader / writer 161, the store terminal 115 issues a card management information request request to the card management server 112 in step S3-1. The card management information request request includes a card number.

  When the card management server 112 receives the card management information request request from the store terminal 115, the card management server 112 refers to the card management information database 113a and the personal identification type database 113b in step S3-2, and explains the personal identification type corresponding to the card number. And the personal identification information is read out and notified to the store terminal 115 as card management information in step S3-3.

  The store terminal 115 displays the card management information including the description of the identity verification type notified in step S3-4 and the identity verification information on the display.

  In step S3-5, the store clerk explains the identity verification type displayed on the display and the identity verification information. The clerk looks at the explanation of the identity confirmation type displayed on the display and asks the user about the explanation of the identity confirmation type. The store clerk compares the user's response with the identity verification information displayed on the display, determines whether or not they match, and if they match, performs a use permission operation. Perform permission operation.

  The store terminal 115 makes a settlement request to the card management server 112 in step S3-6 when the use permission operation is performed by the store clerk. The settlement request includes settlement information such as a card number, identification result, and payment amount.

  When the card management server 112 receives a payment request from the store terminal 115, the card management server 112 performs a payment process in step S3-7. For example, the settlement process refers to the card management information database 113a, performs a process of subtracting the payment amount from the balance of the corresponding card number, and performs a process of notifying the store terminal 115 of the result.

  In the card management system 100 of the present embodiment, card issuance, identity verification setting, and settlement are performed in the above-described general operation.

[Operation of Card Issuing Terminal 111]
Next, the operation of the card issuing terminal 111 will be described.

  FIG. 4 shows a processing flowchart of the card issuing terminal 111.

  When the new card 171 is inserted into the card reader / writer 151 and a new card issuance operation is performed in step S4-1, the card issuing terminal 111 transmits a new card request to the card management server 112 in step S4-2.

  When the card issuing terminal 111 acquires new card information including the card number from the card management server 112 in step S4-3, the card issuing terminal 111 controls the card reader / writer 151 to write the card number to the new card 171 in step S4-4.

  Note that the card number previously written in the new card 171 may be transmitted to the card management server 112 as a new card issuance request, and use permission may be obtained from the card management server 112.

[Operation of Identity Confirmation Registration Terminal 114]
Next, the process of the personal identification registration terminal 114 will be described.

  FIG. 5 shows a processing flowchart of the personal identification registration terminal 114.

  When the identity verification registration operation is performed in step S5-1 and the card number and PIN number are input by the registrant's operation in step S5-2, the identity verification registration terminal 114 receives the card management server 112 in step S5-3. A setting information confirmation request is sent to.

  The identity verification registration terminal 114 receives the setting information in step S5-4, and displays the setting information received in step S5-5 on the display as a setting screen. The identity confirmation registration terminal 114 sets the type in step S5-6, and the identity confirmation information corresponding to the type set in step S5-7. When the identity confirmation registration operation is performed in step 5-8, step S5 is performed. In −9, a confirmation information registration request for registering the confirmation type and confirmation information of the identity confirmation is transmitted to the card management server 112.

[Operation of store terminal 115]
Next, processing of the store terminal 115 will be described.

  FIG. 6 shows a process flowchart of the store terminal 115.

  The store terminal 115 inserts the registered card 181 into the card reader / writer 161 in step S6-1, recognizes the use of the card, and acquires the card number read from the card 181 by the card reader / writer 161 in step S6-2. In step S6-3, the card management information request including the card number is issued to the card management server 112.

  When the store terminal 115 receives the card management information from the card management server 112 in step S6-4, the store terminal 115 determines whether or not the card management information received in step S6-5 includes the identity confirmation setting. If the card management information received in step S6-5 includes the identity confirmation setting, the store terminal 115 displays the content of the identity confirmation type and the identity confirmation information included in the card management information on the display in step S6-6. .

  The store clerk inquires the card user about the contents of the identity verification type displayed on the display. The card user answers the personal identification information registered by himself / herself in response to the inquiry of the store clerk. The store clerk compares the identity verification information answered by the card user with the identity verification information displayed on the display of the store terminal 115, and if they match, operates the approval button of the store terminal 115.

  When the store button 115 is operated by the store clerk in step S6-7, the store terminal 115 makes a settlement request to the card management server 112 in step S6-8. When the store terminal 115 receives the settlement result from the card management server 112 in step S6-9, the store terminal 115 displays the settlement result received in step S6-10 on the display. The clerk performs accounting based on the settlement result displayed on the display of the store terminal 115.

  Further, the store clerk compares the personal identification information answered by the card user and the personal identification information displayed on the display of the store terminal 115, and if they do not match, the store clerk operates the card use release button of the store terminal 115. . When the card use release button is operated in step S6-11, the store terminal 115 notifies the card management server 112 of the card use release in step S6-12 so that the card settlement is not performed.

[Operation of Card Management Server 112]
Next, processing of the card management server 112 will be described.

  FIG. 7 shows a processing flowchart of the card management server 112.

  When the card issuing request is notified from the card issuing terminal 111 in step S7-1, the card management server 112 executes card issuing processing in step S7-2. The card issuing process is a process of registering a new card 171 in the card management information database 113a and assigning a card number to the new card 171.

  When the card management server 112 receives a principal confirmation information confirmation request from the principal confirmation registration terminal 114 in step S7-3, the card management server 112 executes a principal confirmation information confirmation process in step S7-4. The personal identification information confirmation process is a process for setting the personal identification type and the personal identification information registered in the card management information database 113a.

  When there is a request for registration of identity verification information from the identity verification registration terminal 114 in step S7-5, the card management server 112 executes identity verification information registration processing in step S7-6. The personal identification information registration process is a process of setting the personal identification type and the personal identification information in the card management information database 113a.

  Further, when there is a card management information request from the store terminal 115 in step S7-7, the card management server 112 executes card management information notification processing in step S7-8. The card management information notification process is a process of reading the card management information from the card management information database 113a and notifying the store terminal 115 of the card management information.

  Further, when the card management server 112 receives a payment notification from the store terminal 115 in step S7-9, the card management server 112 executes a payment process in step S7-10. The settlement process is a process for subtracting the usage fee from the card balance.

  Next, the new card issuing process in step S7-2 will be described in more detail.

  FIG. 8 shows a process flowchart of the new card issuing process.

  Upon receiving a card issuance request from the card issuing terminal 111, the card management server 112 sets a new card number in step S8-1, and sets the identity verification type to “0” that does not perform identity verification in step S8-2. To do. Next, the card management server 112 transmits the new card number to the card issuing terminal 111 in step S8-3. As a result, a card number is assigned to the new card 171. In step S8-4, the card management server 112 registers the card number and the card confirmation type “0” in the management information database a113.

  Thus, the card 171 can be used.

  Next, the personal identification information confirmation process in step S7-4 will be described.

  FIG. 9 shows a process flowchart of the person confirmation information confirmation process.

  When there is an identity confirmation information confirmation request from the identity confirmation registration terminal 114, the card management server 112 reads the information in the card management information database 113a based on the card number included in the identity confirmation information confirmation request in step S9-1. In step S9-2, it is determined whether the PIN number included in the personal identification information confirmation request matches the PIN number in the card management information database 113a. If the determined PIN number does not match, error information transmission processing is performed in step S9-3. I do. In step S9-4, it is determined whether or not the identity verification information has been set, that is, whether or not the identity verification type is “0”.

  If the identity verification information is not set in step S9-4, that is, if the identity verification type is “0”, the card management server 112 refers to the identity verification type database 113b in step S9-5, The contents are read, a registration screen is created, and the registration screen is notified to the identity verification registration terminal 114 in step S9-6.

  Further, if the personal identification information is already set in step S9-4, that is, if the personal identification type is other than “0”, the card management server 112 stores the personal identification information in the personal identification registration terminal 114 in step S9-7. Notify the information that confirmation has been registered.

  As described above, the identity confirmation registration screen is transmitted to the identity confirmation registration terminal 114, and the identity confirmation registration terminal 114 enables identity confirmation registration.

  In order to prevent the identity verification registration from being used maliciously, at the time of the first identity verification information registration, a request is made to information for registering a PIN number that only the cardholder knows in accordance with the card number to be registered. In addition, when the confirmation information already registered is changed, when the identity confirmation type and the identity confirmation information for the card number are requested and the identity confirmation type and the identity confirmation information registered in the card management information database 113a are matched. To accept changes.

  FIG. 10 shows a process flowchart of the personal identification information registration process.

  When there is a personal identification registration request from the personal identification registration terminal 114, the card management server 112 searches the card management information database 113a using the card number included in the personal identification registration request as a key in step S10-1. In step S <b> 10-2, the card management server 112 registers the person confirmation type and the person confirmation information included in the person confirmation registration request from the person confirmation registration terminal 114 in the card management information database 113.

  As described above, the personal identification type and the personal identification information are registered in the card management information database 113a, and the personal identification is essential when using the card.

  Next, the card management information notification process in step S7-7 will be described.

  FIG. 11 shows a process flowchart of the card management information notification process.

  Upon receiving the card management information request from the store terminal 115, the card management server 112 searches the card management information database 113a using the card number included in the card management information request as a key in step S11-1. The card management server 112 determines whether or not the card number keyed in step S11-2 exists in the card management information database 113a.

  If the card number used as the key in step S11-2 exists in the card management information database 113a, the card management server 112 reads the contents of the personal identification type and the personal identification information in step S11-3, and step S11- 4, the contents of the person confirmation type and the person confirmation information are notified to the store terminal 115. The contents of the personal identification type are acquired by referring to the personal identification type database 113b according to the personal identification type.

  If the card number used as the key in step S11-2 does not exist in the card management information database 113a, the card management server 112 notifies the store terminal that the card to be used in step S11-5 is not registered. 115 is notified.

  As described above, the content of the personal identification type and the personal identification information are displayed on the display of the store terminal 115.

  FIG. 12 shows a process flowchart of the settlement process.

  When the card management server 112 receives a settlement request from the store terminal 115, the card management server 112 determines whether or not the identity confirmation registration is made in step S12-1, that is, whether or not the identity confirmation type is “0”, and step S12. If the identity verification type is other than “0” at −1 and the identity confirmation result is received from the store terminal 115 at step S12-2, if the identity confirmation result is “OK” at step S12-3, step S12 is performed. -4 subtracts the usage amount included in the payment request from the balance of the card management information database 113a, and updates the balance of the card management information database 113 to the subtraction result in step S12-5. In step S12-6, the settlement result is transmitted to the store terminal 115.

  Note that if the identity verification type is “0” in step S12-1, the card management server 112 does not require identity verification, and is included in the settlement request from the balance of the card management information database 113a in step S12-4. The usage amount is subtracted, and the balance of the card management information database 113a is updated to the subtraction result in step S12-5. In step S12-6, the settlement result is transmitted to the store terminal 115.

  The payment by the card 181 is thus completed.

〔effect〕
As described above, according to the present embodiment, it is possible to use a card without performing identity verification at the time of use as in the case of a conventional prepaid card, or to perform identity verification at the time of use at the discretion of the card user. Can do. Also, when performing identity verification, a method for identity verification can be set without the user registering personal information or the like. Therefore, it is possible to freely select an identification method that is easy for the card user to use, and to easily identify the person at the time of card settlement.

  Further, the identity verification is easily performed by the store clerk by displaying on the display of the store terminal 115.

  Furthermore, since only the card number is recorded on the card 181, and the card management server 112 is also managed by the card number, no information such as personal information is recorded. Information can be protected.

[Others]
In addition, this invention is not limited to the said Example, In the range which does not deviate from the summary of this invention, various modifications can be considered.

It is a system configuration figure of one example of the present invention. It is a data block diagram of the database 113. It is a state transition diagram of one Example of this invention. 5 is a processing flowchart of the card issuing terminal 111. It is a process flowchart of the personal identification registration terminal. It is a process flowchart of the shop terminal 115. It is a process flowchart of the card management server 112. It is a process flowchart of a new card issue process. It is a process flowchart of a personal identification information confirmation process. It is a processing flowchart of identity verification information registration processing. It is a processing flowchart of a card management information notification process. It is a processing flowchart of a payment process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Card management system 111 Card issuing terminal, 112 Card management server, 113 database 113a Card management information database, 113b Personal identification type database 114 Personal identification registration terminal, 115 Store terminal, 116 Network 121 New card issuing means, 122 Personal identification information setting Means 123 Card management information notification means, 124 Settlement processing means 151, 161 Card reader / writer, 171, 181 card

Claims (4)

A card management server that communicates with a terminal and manages the use of prepaid cards ,
A database in which a card number is issued to a PIN number based on a new card issuance request including a PIN number of a use card requested from a card issuing terminal among at least the terminals, and at least the card number and the PIN number are associated with each other And a new card issuing means for notifying the issued card number to the card issuing terminal,
Before SL based on the authentication confirmation exemplary instruction during card use including card number and PIN number user card requested from the authentication confirmation and registration terminal of the terminal and the card number and the PIN number has been registered in the database selection case, to request the authentication information corresponding to a preset selection and the selected authentication method of a plurality of authentication method to the authentication confirmation registration terminal is notified from the authentication confirmation and registration terminal in response to the request to have Authentication information for registering authentication information corresponding to the selected authentication method and the selected authentication method in the database in association with the card number and the PIN number, and performing setting of authentication confirmation for the use card Registration means;
When the card usage instruction including the card number of the usage card is notified from the card usage destination terminal among the terminals, the database is referred to based on the card number notified from the card usage destination terminal, and the database If the setting for performing the authentication check on the use card is performed, the card use destination terminal stores the selected authentication method registered in the database and the authentication information corresponding to the selected authentication method. To request authentication confirmation, receive an authentication confirmation result from the card usage destination terminal, control the use of the card based on the authentication confirmation result, and store the card for the utilization card in the database And a card usage control means for permitting the use of the card without requesting the authentication confirmation when the setting for performing the authentication confirmation is not performed. Card management server, characterized in that. A card management system having a server for managing the utilization of prepaid cards to communicate with the terminal,
The server
A database in which a card number is issued to a PIN number based on a new card issuance request including a PIN number of a use card requested from a card issuing terminal among at least the terminals, and at least the card number and the PIN number are associated with each other And notify the card issuing terminal of the issued card number,
Before SL based on the authentication confirmation exemplary instruction during card use including card number and PIN number user card requested from the authentication confirmation and registration terminal of the terminal and the card number and the PIN number has been registered in the database selection case, to request the authentication information corresponding to a preset selection and the selected authentication method of a plurality of authentication method to the authentication confirmation registration terminal is notified from the authentication confirmation and registration terminal in response to the request to have The authentication information corresponding to the selected authentication method and the selected authentication method is registered in the database in association with the card number and the PIN number , and the authentication confirmation execution setting for the use card is performed,
When a card usage instruction is notified together with the card number of the usage card from the card usage destination terminal among the terminals, the authentication confirmation execution setting for the usage card is performed in the database. The authentication method corresponding to the selected authentication method registered in the database and the authentication information corresponding to the selected authentication method is transmitted to the card usage destination terminal to request authentication confirmation, and the authentication confirmation result from the card usage destination terminal is received. Then, the use of the card is controlled based on the authentication confirmation result, and the authentication confirmation execution setting for the use card is not performed in the database without requesting the authentication confirmation. A card management system characterized by permitting use of a card. It communicates with the terminal by the servers to a card management method for managing the use of the prepaid card,
The server includes storage means for storing a database for registering a card number of a use card, a PIN number, an authentication method, and authentication information corresponding to the authentication method ,
The server is
Before SL based on the authentication confirmation exemplary instruction during card use including card number and PIN number user card requested from the authentication confirmation and registration terminal of the terminal and the card number and the PIN number has been registered in the database selection case, to request the authentication information corresponding to a preset selection and the selected authentication method of a plurality of authentication method to the authentication confirmation registration terminal is notified from the authentication confirmation and registration terminal in response to the request to have Authentication information for registering authentication information corresponding to the selected authentication method and the selected authentication method in the database in association with the card number and the PIN number, and performing setting of authentication confirmation for the use card Registration procedure and
When the card usage instruction is notified together with the card number of the usage card from the card usage destination terminal among the terminals, the database is referred to based on the card number notified from the card usage destination terminal, and the usage is stored in the database. If the setting of the authentication check performed in the card is being performed transmits the authentication information corresponding to the selected authentication method and the selected authentication method registered in said database to said card use destination terminal Requesting authentication confirmation, receiving an authentication confirmation result from the card usage destination terminal, controlling the use of the card based on the authentication confirmation result, and checking the authentication confirmation for the use card in the database. A card usage control procedure for permitting the use of the card without requesting the authentication confirmation when the implementation setting has not been made. Card management method, characterized in that. To the server which is a computer,
A card management program for executing the card management method according to claim 3 .

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