JP2003150883A - Credit card certification system by cellular phone with gps function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card certification system by a cellular phone with GPS function capable of preventing an incorrect use of a credit card. SOLUTION: A cellular phone 10 with the GPS function for specifying a position of the user and the credit card are together possessed by the user. In order to specify a POS terminal 12 at a member shop or an installation location of ATM of a bank or a card loan company, a GPS receiver is arranged at the POS terminal or the ATM. In the case where a charge for the commodity or a provided service is paid or a cashing is carried out, a position information of the user is transmitted to a GPS service company 3 through a carrier and a position information of the POS terminal or the ATM is further transmitted to the GPS service company through a settlement execution service company. A position of the user and an installation location of the POS terminal or the ATM are checked at the GPS service company and only when both positions are coincident with each other, a usage of the credit card is certified.

Description

Description: BACKGROUND OF THE INVENTION [0001] 1. Field of the Invention [0002] The present invention relates to a method for paying for a product or a provided service using a credit card, or for a cashing service. GPS (Global
The present invention relates to a credit card authentication system using a mobile phone with a GPS function, which can prevent unauthorized use of a credit card by using a positioning system (Global Positioning System) for confirmation. 2. Description of the Related Art Conventionally, when paying for a product or a provided service using a credit card, a card reader installed in a store (hereinafter simply referred to as a member store) with which each credit card company has contracted in advance. POS (Point of
(Sales: point-of-sale information management) After reading the credit card information from the terminal, send the information to the credit card company to inquire whether it can be used, and if it is available, sign the slip to settle it Has been done. In addition, ATMs (Automati
c When cashing is performed from a teller machine (cash machine), cash is withdrawn by inserting a credit card into the ATM and then inputting a password and an amount. [0003] However, in the case of paying for a product or a provided service using the former credit card in the above-mentioned prior art, the settlement of the price can be performed simply by signing a slip. Because of the completion, there is a problem that unauthorized use of another person's credit card by picking up or stealing can be easily performed under the current situation where the handwriting of the signature is not strictly checked. Also,
Even in the case of cashing from the latter bank or ATM of a card loan company in the above-mentioned conventional technology, if there is something that can be found together with a driver's license that was found or stolen, the date of birth or telephone number Since the personal identification number can be easily guessed, there is a problem that the cash can be easily withdrawn. If a credit card is lost or stolen, the use of the credit card can be stopped by contacting the police or a credit card company. In many cases, there is also a problem that a time lag occurs before the use stoppage is taken even if contact is made. SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems. In the case where a credit card is used to pay for a product or a provided service or in a cashing service, a user is provided with the credit card. It is an object of the present invention to provide a credit card authentication system using a mobile phone with a GPS function, which can prevent unauthorized use of a credit card by using a GPS to check whether or not the card is the owner of the card. And In order to solve the above-mentioned problems, a credit card authentication system using a mobile phone with a GPS function according to the present invention includes a GPS receiving unit and a GPS control unit for specifying a position of a user. The user is allowed to carry a mobile phone with a GPS function having a unit and a GPS antenna and a credit card together. In addition, in order to specify the location of the POS terminal at each member store or the location of the ATM of a bank or a card loan company, a POS terminal or an AT
A GPS receiver is provided in M. When paying for a product or a provided service using a credit card or performing caching, the user's location information is transmitted to a GPS service company via a carrier, and the POS is further provided.
The terminal or ATM location information is transmitted to the GPS service company via the settlement agency service company, and the GPS service company compares the user's location with the POS terminal or ATM installation location, and if the location matches, the relevant information is obtained. Authorize the use of a credit card. An embodiment of the present invention will be described with reference to the drawings. FIG. 3 shows a GP used in a credit card authentication system using a mobile phone with a GPS function of the present invention.
FIG. 7 is a block diagram of a configuration of a mobile phone with an S function, and shows a GPS antenna 15 for receiving GPS signals 8a, 8b,... 8n transmitted from a plurality of GPS satellites 7a, 7b,. The GPS receiver 13 and a GPS controller 14 for analyzing satellite positions, inter-satellite receiver distance information, clock information, and the like included in the plurality of received GPS signals 8a, 8b,. Connect to control unit 17. The mobile control unit 17 is equivalent to a control unit of a conventional mobile phone, and includes a mobile antenna 18 and a mobile communication unit 16 for communicating with a mobile phone network or a packet network.
An audio unit 19 for controlling audio output to the speaker 23 and audio input from the microphone 24;
5, an interface unit 21 for performing dial input and function input and connecting an external device via an interface connector 26, a monitor display unit 20 for performing monitor display on an LCD display or the like, and a power supply unit 2.
2 or the like. In FIG. 3, the GPS antenna 1
5, the GPS receiver 13 and the GPS controller 14 are integrated or built in. However, the interface 21 may be connected to the portable controller 17 via the interface connector 26 as an external GPS unit. I do not care. FIG. 1 is a system configuration diagram of a credit card authentication system using a portable telephone with a GPS function according to the present invention. In order to specify the position of a credit card user 11, a GPS receiving unit 13 and a GPS control unit 14 are provided. In addition, the user 11 carries the mobile phone 10 with a GPS function having the GPS antenna 15 and the like and the credit card together. At present, there is a remarkable spread of mobile phones, and if the added value of mobile phones is further increased, it is possible for credit card users to own one by one. The POS terminal 12 in each member store 5
The GPS receiver 9 is provided at the POS terminal 12 or the ATM in order to specify the installation location of the ATM or an ATM (not shown) of a bank or a card loan company. Although a general GPS receiver cannot be used in an underground or a building structure where a GPS signal does not reach, the inventors of the present application have disclosed "Disaster information in an underground or building structure" in Japanese Patent Application No. 2001-200237. And a pseudolite GPS (Pseudolite GPS) or a high-sensitivity GPS receiver and an A-GPS (Assist GPS: Assist GPS: F. van Diggelen and C. Abraham, "Indor G
PS Technology ", CTIA Wireless-Agenda, Dallas, May
By adopting the GPS method that can be used in underground or in a building structure such as the method combining the POS terminal 2001 and the ATM, the POS terminal 12 or the ATM of a bank or a card loan company can be used at any location. [0010] Further, a settlement agency service company 2 that performs various service operations such as settlement agency of a plurality of credit card companies 1 is connected by a line 6, and the settlement agency service company 2 is further connected.
And a number of member stores 5 are connected by a line 6. In addition, in order to obtain location information of the user 11 and location information of the POS terminal 12 or the ATM and collate the location information and authenticate the use of a credit card, a telecommunications carrier such as a mobile phone (including PHS) is used. A carrier 4 and a GPS service company 3 are connected by a line 6, and a network system is constructed by connecting the GPS service company 3 and the settlement agency service company 2 by a line 6. When paying for a product or a provided service using a credit card or performing caching, the location information of the user 11 is transmitted to the GPS service company 3 via the carrier 4 and further transmitted to the POS terminal. 12
Alternatively, the location information of the ATM is transmitted to the GPS service company 3 via the settlement agency service company 2, and the location of the user 11 and the POS terminal 12 or the AT are sent to the GPS service company 3.
The system authenticates the position of M and authenticates the use of the credit card only when the positions match. An embodiment of the present invention will be described with reference to the drawings. FIG.
FIG. 3 is an authentication flow diagram of the credit card authentication system using the mobile phone with the GPS function of the present invention, and shows an authentication flow when the user 11 pays for a product or service at the member store 5 by a credit card. . First, when the information of the credit card possessed by the user 11 is read by the card reader or the like into the POS terminal 12 of the member store 5 as shown by (1), the information passes through the settlement agency service company 2 as shown by (2). Then, it is transmitted to the credit card company 1 as shown by. The credit card company 1 collates the above information with the user database, performs an inquiry about the expiration date, usage status, balance, etc. of the credit card. User 1
The mobile phone number of the mobile phone with GPS function 1 is transmitted to the settlement agency service company 2. It is assumed that the mobile phone number of the user 11 is set and registered in advance at the time of a credit card contract. Here, in the case of being unusable, the contents of the unusable state are transmitted to the POS terminal 12 of the member store 5 as shown in FIG. And other payment methods. If it is available, it requests the GPS service company 3 for the location information of the user 11 as shown by. In response to the request, the GPS service company 3 acquires the position information via the carrier 4. At this time, the carrier 4 is the mobile phone 10 with the GPS function of the user 11 as shown by.
Call automatically. The mobile phone 10 with a GPS function transmits the position information calculated by the GPS receiving unit 13 and the GPS control unit 14 to the carrier 4 in response to the outgoing call. The transmission may be either automatic transmission by no ringing or manual transmission that requires the user 11 to input a password of a credit card. Then, the position information is transmitted to the GPS service company 3. The GPS service company 3 determines the position information of the user 11 obtained as described above and the POS of the member store 5.
The location information of the installation location of the terminal 12 is compared, and if both are determined to be the same location within the allowable range, it is determined that the contractor himself uses the credit card, and both are determined to be different locations. In that case, it is determined that the unauthorized use has been made by another person. Then, the contents of the determination are transmitted to the settlement agency service company 2 as indicated by, and the settlement agency service company 2 further transmits to the POS terminal 12 of the member store 5 as indicated by. Here, when it is determined that the use is illegal, the user 11 is notified that the payment by the credit card cannot be performed. In this way, unauthorized use of the credit card can be prevented. Further, when there is a possibility of a crime, it is preferable that the settlement agency service company 2 or the GPS service company 3 contact the police. The position information of the installation location of the POS terminal 12 of the member store 5 may be further compared with the position information acquired from the GPS receiver 9 and the position information previously set and registered as fixed information. It is suitable. As described above, the credit card authentication system using the mobile phone with the GPS function of the present invention can be applied to the POS terminal of a member store or the ATM of a bank or a card loan company.
If you use a credit card to pay for goods and services provided or use a cashing service, you can use the GPS to check whether the user is the owner of the credit card. This has an enormous effect that fraudulent use of a credit card can be prevented.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a system configuration diagram of a credit card authentication system using a mobile phone with a GPS function according to the present invention. FIG. 2 is an authentication flowchart of a credit card authentication system using a mobile phone with a GPS function according to the present invention. FIG. 3 is a configuration block diagram of a mobile phone with a GPS function used in a credit card authentication system using a mobile phone with a GPS function of the present invention. [Description of Signs] 1 Credit card company 2 Payment agent service company 3 GPS service company 4 Carrier 5 Member store 6 Line 7 GPS satellite 8 GPS signal 9 GPS receiver 10 Mobile phone with GPS function 11 User 12 POS terminal 13 GPS reception Unit 14 GPS control unit 15 GPS antenna 16 portable communication unit 17 portable control unit 18 portable antenna 19 audio unit 20 monitor display unit 21 interface unit 22 power supply unit 23 speaker 24 microphone 25 key switch 26 interface connector

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07D 9/00 461 G07D 9/00 461A G07F 7/12 G07G 1/12 321P G07G 1/12 321 1/14 1/14 G07F 7/08 B H04Q 7/34 H04B 7/26 106A 7/38 109R (72) Inventor Hiroshi Isshiki 8 Pegasus Net Co., Ltd. 8 at Miyukicho, Shizuoka City, Shizuoka Prefecture (72) Inventor Kazumi Yabuzaki 3 Pegasus Net Co., Ltd., 8-8 Miyukicho, Shizuoka City, Shizuoka Prefecture (72) Inventor Akira Uchiyama 3 Pegasus Net Co., Ltd., 8 Miyukicho, Shizuoka City, Shizuoka Prefecture F-term (reference) 3E040 AA03 AA10 BA07 CB04 DA02 FL04 3E042 BA20 CC03 DA10 EA01 3E044 AA09 AA20 BA05 DA05 DD01 DE01 5K067 AA32 BB04 BB21 FF03 HH22 JJ56 KK01

Claims (1)

Claims: 1. A GP having a GPS receiving unit, a GPS control unit, a GPS antenna, and the like in order to specify a position of a user.
In order to allow the user to carry a mobile phone with an S function and a credit card together, and to specify the location of the POS terminal at each member store or the location of the ATM of a bank or card loan company, the POS terminal or ATM has a GPS. When a receiver is installed and a product or provided service is paid for using a credit card or when caching is performed, the location information of the user is transmitted to a GPS service company via a carrier, and further, a POS terminal or The location information of the ATM is transmitted to the GPS service company via the payment agency service company, and the location of the user and the POS are sent to the GPS service company.
A credit card authentication system using a mobile phone with a GPS function, characterized in that the installation location of a terminal or an ATM is collated and the use of the credit card is authenticated only when the locations match.