JP2009301205A - Personal authentication method for contactless electronic money settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To implement personal authentication preventive of unauthorized use of contactless IC cards without increasing transaction time in contactless electronic money settlement using a contactless IC card and a contactless electronic money settlement terminal device. <P>SOLUTION: A contactless electronic money settlement system includes a ring having a built-in authentication ID tag, the contactless IC card storing an authentication ID, and the contactless electronic money settlement terminal 100. The contactless electronic money settlement terminal 100 has an ID tag reader 103 for acquiring an ID from the ID tag built in the ring, and a reading part 102 for acquiring the authentication ID stored in the contactless IC card. When a hand wearing the ring is used for contactless electronic money settlement using the contactless IC card, the contactless electronic money settlement terminal 100 compares for personal authentication the ID acquired by the ID tag reader 103 with the ID acquired by the reading part 102. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a personal authentication method in a contactless electronic money settlement system, and more particularly to a personal authentication method for preventing unauthorized use of a contactless IC card.

  2. Description of the Related Art In recent years, with the spread of non-contact IC cards, payment systems aimed at improving convenience such as reducing the transaction time by providing non-contact IC cards with an electronic money function are known. (For example, see Patent Document 1 below)

As prior art documents related to the invention of the present application, there are the following.
JP 2006-99750 A

In contactless electronic money settlement using the contactless IC card and the contactless electronic money settlement terminal device described above, authentication is performed such that a password is entered when the identity of the contactless IC card user is authenticated for each transaction. For this reason, there is a problem that it takes time to take action and the transaction time increases, so that the personal authentication of the contactless IC card user is not performed.
For this reason, there has been a problem that unauthorized use of a non-contact IC card due to theft or the like cannot be prevented.
The present invention has been made to solve the problems of the prior art, and an object of the present invention is to make contactless electronic money settlement using a contactless IC card and a contactless electronic money settlement terminal device. It is an object of the present invention to provide a personal authentication method in a non-contact electronic money settlement system that enables personal authentication to prevent unauthorized use of a non-contact IC card without increasing the transaction time.
The above and other objects and novel features of the present invention will become apparent from the description of this specification and the accompanying drawings.

Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.
In order to achieve the above-described object, the present invention provides a non-contact type comprising a ring incorporating an authentication ID tag, a non-contact IC card storing an authentication ID, and a non-contact type electronic money settlement terminal. A personal authentication method in an electronic money payment system, wherein the contactless electronic money payment terminal includes an ID tag reader that obtains an ID from an ID tag built in the ring, and an authentication tag stored in the contactless IC card. The non-contact type electronic money payment terminal when the non-contact type electronic money payment using the non-contact IC card is performed with the hand wearing the ring. The identity authentication is performed by comparing the ID acquired by the ID tag reader with the ID acquired by the reading unit.

The effects obtained by the representative ones of the inventions disclosed in the present application will be briefly described as follows.
According to the personal authentication method in the contactless electronic money settlement system of the present invention, the transaction time is not increased during the contactless electronic money settlement using the contactless IC card and the contactless electronic money settlement terminal device. In addition, personal authentication for preventing unauthorized use of a non-contact IC card becomes possible.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
In all the drawings for explaining the embodiments, parts having the same functions are given the same reference numerals, and repeated explanation thereof is omitted.
FIG. 1 is a control block diagram of a contactless electronic money settlement terminal device for realizing a personal authentication method in a contactless electronic money settlement system according to an embodiment of the present invention.
In FIG. 1, 100 is a non-contact type electronic money settlement terminal device, 101 is a message output unit for outputting a processing result / error message, and 102 is a non-contact IC chip reader for reading / writing to a non-contact IC chip. A writer unit 103 is an ID tag reader unit that reads an ID tag, 104 is a sound unit for producing a sound effect, 105 is a control unit that controls the center of a contactless electronic money payment terminal, and 106 is a contactless type A main storage device that stores various applications and databases of the electronic money payment terminal, 107 is a power supply unit that supplies power to the entire contactless electronic money payment terminal, and 108 is a communication line for connecting to the card payment terminal.
FIG. 2 is a diagram illustrating an external structure diagram of an ID tag built-in ring for realizing a personal authentication method in the contactless electronic money settlement system according to the present embodiment.
In FIG. 2, 200 indicates a ring, and 201 indicates an ID tag.
FIG. 3 is a diagram for explaining an external structure diagram of a contactless IC card for realizing the personal authentication method in the contactless electronic money settlement system of the present embodiment.
In FIG. 3, 300 is a non-contact IC card, 301 is a non-contact IC chip, and 302 is an antenna for extending the communication range.

4 and 5 are flowcharts showing the processing procedure of the personal authentication method in the contactless electronic money settlement system of this embodiment.
Hereinafter, the personal authentication method in the contactless electronic money settlement system of this embodiment will be described with reference to FIGS.
First, the contactless electronic money settlement terminal device 100 oscillates radio waves to detect the contactless IC card 300 (step 401), and determines whether or not the contactless IC card 300 can be detected (step 402). ).
If the contactless IC card 300 cannot be detected in step 402, it is a case where contactless electronic money settlement using the contactless IC card 300 and the contactless electronic money settlement terminal device 100 is not performed. Exit.
If the contactless IC card 300 can be detected in step 402, the card data is read from the contactless IC chip 301 in the contactless IC card 300 using the contactless IC chip reader / writer unit 102 (step 403). Authentication ID data is extracted from the data read from the non-contact IC chip 301 and set in the main storage device 106 (step 404).
Next, the non-contact type electronic money settlement terminal device 100 oscillates a radio wave for detecting the ring 200 with a built-in ID tag (step 405), and determines whether or not the ring 200 with a built-in ID tag has been detected (step 405). Step 406).

If the ID tag built-in ring 200 cannot be detected in step 406, an error message indicating an authentication failure is displayed on the message output unit 101 (step 411), and the process ends.
If it is detected in step 406 that the ID tag built-in ring 200 is detected, the ID tag reader unit 103 is used to read the ID tag data of the ID tag 201 built in the ring 200 (step 407).
Next, the control unit 105 determines whether or not the ID tag data read in Step 407 matches the authentication ID data set in the main storage device 106 in Step 404 (Step 408).
In step 408, if the ID tag data read in step 407 and the authentication ID data set in the main storage device 106 in step 404 do not match, an error message indicating an authentication failure is displayed on the message output unit 101. (Step 411), the process ends.
In step 408, if the ID tag data read in step 407 and the authentication ID data set in the main storage device 106 in step 404 "match", the personal authentication is completed, so the contactless IC card 300 is removed. The used contactless electronic money settlement is started (step 409).
In step 409, after successful authentication, the transaction result is obtained using the non-contact IC card information read from the non-contact IC chip 301 in step 404 and the transaction information input to the non-contact electronic money settlement terminal device 100. Is calculated.

Next, it is determined whether or not the contactless electronic money settlement in step 409 is completed (step 410).
In step 410, if the contactless electronic money settlement in step 409 is completed normally, the settlement result is displayed on the message output unit 101 (step 412), and the process is terminated.
In step 410, if the contactless electronic money payment in step 409 has not been completed normally, a message indicating payment failure is displayed on the message output unit 101 (step 413), and the process is terminated.
As described above, in the present embodiment, the contactless IC card 300 and the authentication ID tag built-in are used during the contactless electronic money settlement using the contactless IC card 300 and the contactless electronic money settlement terminal 100. Since personal authentication is possible by simultaneously holding the ring 200 over the contactless electronic money settlement terminal device 100, it is possible to perform personal authentication for preventing unauthorized use of the contactless IC card while maintaining the transaction speed. Become.
As mentioned above, the invention made by the present inventor has been specifically described based on the above embodiments. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the invention. Of course.

It is a control block diagram of the non-contact type electronic money settlement terminal device for realizing the personal authentication method in the non-contact type electronic money settlement system of the embodiment of the present invention. It is a figure explaining the external appearance structural drawing of the ring with a built-in ID tag for implement | achieving the identification method in the non-contact-type electronic money payment system of the Example of this invention. It is a figure explaining the external appearance structural drawing of the non-contact IC card for implement | achieving the personal authentication method in the non-contact-type electronic money payment system of the Example of this invention. It is a flowchart which shows the process sequence of the identification method in the non-contact-type electronic money payment system of the Example of this invention. It is a flowchart which shows the process sequence of the identification method in the non-contact-type electronic money payment system of the Example of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Contactless electronic money payment terminal device 101 Message output part 102 Contactless IC chip reader / writer part 103 ID tag reader part 104 Voice part 105 Control part 106 Main memory 107 Power supply part 108 Communication line 200 Ring 201 ID tag 300 Contactless IC Card 301 Non-contact IC chip 302 Antenna

Claims (1)

A ring containing an ID tag for authentication;
A contactless IC card for storing an ID for authentication;
A personal authentication method in a contactless electronic money payment system comprising a contactless electronic money payment terminal,
The contactless electronic money payment terminal includes an ID tag reader that acquires an ID from an ID tag built in the ring,
A reading unit for acquiring an ID for authentication stored in the non-contact IC card,
When the contactless electronic money settlement using the contactless IC card is performed by the hand wearing the ring, the contactless electronic money settlement terminal acquires the ID acquired by the ID tag reader and the reading unit A personal authentication method in a contactless electronic money settlement system, wherein the personal authentication is performed by comparing with the ID acquired in step (b).

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