JPH11338924A - Card account settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card account settlement system for improving the safety of a card provided with a value like electronic money without adopting a large- scaled system. SOLUTION: This card account settlement system performs transaction account settlement between an IC card 5 and a reloading terminal (account settlement device) 2 and the action check means 5f of the IC card 5 is provided with a pattern computing means 5g for computing a action pattern until the present time based on a history stored in a history storage means 5e and a judgement means 5h for judging that a present action pattern is incorrect by the computed action pattern.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card settlement system for performing transaction settlement between a card having a value, such as electronic money, and a settlement apparatus.

[0002]

2. Description of the Related Art In recent years, with the development of computers, the progress of multimedia technology has been remarkable.
By exchanging electronic data, products can be purchased.

In the future purchase of goods, including purchase of goods via the Internet, it is considered that purchase of goods by exchanging electronic data, that is, purchase of goods by so-called electronic money, will increase.

[0004] By the way, since such electronic money is generally exchanged by card, it has the advantage of being excellent in convenience and portability, but it cannot be said that it is still insufficient from the viewpoint of security.

[0005] That is, if the card owner loses or is stolen the card, a third party will acquire the card, and if the third party can obtain the personal identification number of the card, You can freely withdraw electronic money and purchase products.

[0006] In response to these problems, various technologies for improving safety are currently being developed. As a typical example, fingerprint and corneal data, which are physical characteristics of the owner, are registered in advance so that the device side can distinguish and recognize the owner from a third party, and the data of the card user is registered in this data. There is a technology for collating physical data, withdrawing electronic money, and permitting product purchase.

[0007]

However, in the case of such a technology for improving security, a collation device for performing collation work is required, or collation data needs to be newly stored separately. I couldn't help becoming a large-scale system.

The present invention has been made in view of the above problems, and aims to improve the security of a card having a value such as electronic money without employing a large-scale system.
The purpose is to provide a card payment system.

[0009]

To solve the above problems, the present invention is configured as follows.

According to a first aspect of the present invention, in a card payment system for performing a transaction settlement between a card having a value and a settlement apparatus, the present transaction behavior is checked for impropriety based on the transaction history of the card. A behavior checking means is provided.

According to a second aspect of the present invention, in the card settlement system of the first aspect, the behavior check means is provided on the card.

According to a third aspect of the present invention, in the card settlement system of the first aspect, the behavior check means is provided in a settlement apparatus.

According to a fourth aspect of the present invention, there is provided a card settlement system for performing a transaction settlement between a card having a value and a settlement device, a history storage means for storing an input / output history of a value to the card, And a behavior check unit for checking whether the current transaction behavior is fraudulent based on the history from the history storage unit.

According to a fifth aspect of the present invention, in the card settlement system of the first to fourth aspects, the behavior check means includes:
Pattern calculation means for calculating a behavior pattern of a card user based on a history of values for each predetermined period is provided, and based on the behavior pattern, the behavior is checked for injustice.

According to a sixth aspect of the present invention, in the card settlement system of the first to fifth aspects, the card having the value is an electronic money card.

[0016]

According to the card settlement system of the first aspect,
By the behavior check means, based on the transaction history of the card,
You can check the current transaction behavior for fraud.

According to the card settlement system of the present invention, by providing the card with the behavior check means, it is possible to check the current transaction behavior fraud without providing the behavior check means on the settlement apparatus side.

According to the card settlement system of the third aspect, by providing the settlement device with the behavior check means,
It is possible to check for improper current transaction behavior without providing a behavior check means on the card side.

According to the card settlement system of the fourth aspect, it is possible to check whether the entry / exit behavior is incorrect based on the entry / exit history.

According to the card settlement system of the fifth aspect, the behavior pattern is calculated by the pattern calculation means,
The behavior pattern can be checked for improper behavior.

According to the card settlement system of the present invention, it is possible to check for improper behavior due to the use of the electronic money card.

[0022]

According to the present invention, a behavior check is performed on data such as the transaction history of a card, and when the latest transaction behavior is significantly different from the past behavior, a third party different from the owner is used. Considers it very likely that they are using it, and in such cases it is judged to be fraudulent, ensuring that damage is not caused, but if the latest transaction behavior is the same as past behavior, the owner Assuming that it is used, permit the transaction settlement as it is.

Indeed, if a third party performs the usage behavior almost in the same way as the past usage behavior, it cannot be determined that the usage is illegal. However, even if the card can be used in such a transaction, if the owner notices that the card has been stolen or lost, he or she will take steps to stop using the card at that time, so that it is possible to prevent a great loss from occurring. In other words, in general, the problem with such theft of a card is how to prevent unauthorized use of the card from the time the card is stolen until the owner notices the theft and takes steps to disuse the card. In this respect, the function of improving safety can be sufficiently achieved by simply providing the behavior checking means.

Therefore, according to the present invention, it is possible to improve the security of a valuable card without employing a large-scale system such as a verification device for performing a verification operation.

Further, when the behavior check means is provided on the card, there is no need to provide the behavior check means on the settlement apparatus side, so there is no need to store the history of each card in the settlement apparatus, and the system on the apparatus side can be used. It can be simplified.

On the other hand, if the settlement apparatus is provided with the behavior checking means, there is no need to provide the behavior checking means on the card side. Even if the card is damaged when the card is carried, the past history data is deleted. There is no need to be very careful when handling the card, as there is no danger.

Further, a value entry / exit history is stored, and if this history is used to check for improper current entry / exit behavior, a change in the value flow of the card can be accurately determined. Therefore, the habit of the entry / exit work of the owner can be accurately reflected, and the fraud can be reliably checked.

Further, if the behavior pattern is calculated by the pattern calculation means and the pattern is used to check for fraud, the usage pattern of the owner is patterned, so that the fraudulent use greatly differs from the pattern. Can be determined with certainty.

When the above-described behavior check means is provided in a card payment system using an electronic money card, the security of the electronic money is enhanced, and it is not necessary to separately perform a collation operation or the like at the time of payment. The settlement work can also be simplified.

[0030]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described in detail with reference to the following drawings.

FIG. 1 is an overall system block diagram of the card settlement system of the present invention. Server 1 provided in the bank
A plurality of terminals 2, 3, and 4 for reloading (withdrawing electronic money to an IC card) are electronically connected to each other, and the server 1 and each of the reload terminals 2 to 4 perform electronic exchange. , And whether or not to reload the electronic money to the IC card. Each of the reload terminals 2, 3, and 4 is provided with standardized calculation means for enabling reloading with the IC cards 5 to 10 owned by each individual.
Store terminals 11-15 for payment are installed in each store so that payment transactions can be made with IC cards 5-10.
The merchandise can be freely purchased and sold with the electronic money of the C card, and the store terminals 11 to 15 can also be electronically connected to the server 1 so that the electronic money can be approved and cashed. It is configured.

Referring to FIGS. 2 and 3, the system of one IC card 5 will be described in detail.

The server 1 stores the current data of each IC card in a state in which the data set at the time of the contract with each individual and the data input from the plurality of terminals are constantly rewritten. 1a. Of the IC card data thus stored, data of an IC card determined to be invalid is separately provided.
It is configured to hold the fraudulent card list 1b and supply this information to the reload terminal 2 and the product terminal 11.

Reload terminal 2 electronically connected to server 1
Is provided with a terminal calculation means 2a and a storage means 2b for storing a list of fraudulent cards supplied from the server. The IC card 5 can be reloaded if it is not a fraudulent card. I have.

Similarly, the store terminal 11 which is electronically connected to the server 1 is also provided with a terminal calculation means 11a and a storage means 11b for storing an unauthorized card list. It is configured to be able to perform.

The display 1c provided in the server 1 is configured to display input and output information of card information, and the like, and the display 2c of the reload terminal 2
When reloading with the IC card 5, personal information such as the current balance of the electronic money and the reloadable amount, an operation method, and the like are displayed, and the display 11c of the store terminal 11 also performs product settlement. At this time, it is configured to display personal information such as the current balance of electronic money, operation method, product information, and the like.

From the keyboard 2 d of the reload terminal 2, the personal identification number of the owner,
The reload amount can be input, and a password, a product settlement amount, and the like can be similarly input from the keyboard 11d of the product terminal 11 to the product terminal.

The IC card 5 owned by each individual has a magnetized magnetic stripe 5a and an IC chip 5b provided on a plastic substrate 5c. In the magnetic stripe 5a and the IC chip 5b, history storage means 5e in which the history of the transaction, reloading, etc. of the IC card 5 is stored, and behavior checking means 5f for checking the behavior such as the frequency of use of the IC card. The behavior checking means 5f includes a pattern computing means 5g for computing a behavior pattern up to the present based on the history stored in the history storage means 5e, and a current behavior pattern based on the computed behavior pattern. And determination means 5h for determining that is invalid.

Although the behavior checking means 5f is provided in the IC card 5 in this embodiment, it may be provided in the reload terminal 2 or the commodity terminal 11 as shown by a broken line.

FIGS. 4 and 5 show the contents described in the memory addresses of the product terminal 11 and the IC card 5. FIG.

The address of the product terminal 11 in FIG.
To YYYY, an unauthorized card information list file is written, and a terminal program is written to YYYY to ZZZZ.

The address of the IC card 5 in FIG.
To BBBB, a history file is written to BBBB to CCCC, and IC card data is written to CCCC to DDDD.

The operation of the present embodiment configured as described above,
In particular, the operation when the transaction settlement is performed using the IC card 5 will be described with reference to the flowchart shown in FIG.

First, the IC card 5 is inserted into the product terminal 11 (S1). Thereafter, a password, which is a personal identification number, is input from the keyboard 11d of the product terminal (S2), and further, product data (price, quantity, payment method, etc.) is input (S3), and data input is completed.

Next, a behavior check is performed. In this case, information on the transaction history up to now is called from the history storage means 5e (S4). From this transaction history, the total number of transactions,
After calculating the card holding period (for example, on a weekly basis), the total number of transactions is divided by the card holding period (S5). The value obtained as a result is a past behavior pattern (average number of transactions per week) A. Next, the number of recent transactions (the number of transactions in the last week) B is called (S6), and the number of recent transactions B
Is compared with the past behavior pattern (average number of transactions) A (S7). At this time, if the latest transaction count B is less than the past behavior pattern A, by permitting transaction settlement,
Transaction settlement can be performed (S8), but when it is determined that the latest number of transactions is equal to or greater than the past behavior pattern, transaction settlement prevention processing (for example, stopping subsequent transaction settlement) is performed (for example). S9). Further, as for the IC card which has been subjected to the transaction settlement prevention processing, the information is sent from the product terminal 11 to the server 1 and written in the fraudulent card list 1b. It becomes impossible to use it.

Next, the effect of the present embodiment operating as described above will be described.

That is, when the latest number of transactions B is larger than the past behavior pattern A, it is generally significantly different from the usage behavior up to now, so that a third party different from the owner may be using it. It is considered that the property is extremely high. From such a viewpoint, by performing the transaction settlement prevention process when the behavior pattern becomes larger than the past behavior pattern B,
It is possible to surely prevent the occurrence of large damage.

On the other hand, when the latest transaction number B is smaller than or equal to the past behavior pattern A, it is assumed that the owner uses the transaction because it is almost the same as the past use behavior. Therefore, the transaction settlement is permitted as it is.

In the case where a third party has reduced the usage behavior and performed a behavior almost similar to the past usage behavior,
Transaction settlement prevention processing cannot be performed. However, even if IC cards can be used for such small transactions,
If the owner notices that the card has been stolen or lost, he or she will take steps to disuse the card at that point, which can prevent significant damage. In other words, in general, the problem with such theft of a card is how to prevent unauthorized use of the card from the time the card is stolen until the owner notices the theft and takes steps to disuse the card. In such a point, the function can be sufficiently performed only by providing the behavior checking means 5f as in the present embodiment.

Therefore, the simple behavior checking means 5f can be used without employing a large-scale system such as a verification device.
Is provided, the security of the IC card 5 can be improved, and the payment operation can be simplified since the collation operation or the like need not be separately performed at the time of payment.

When the behavior check means 5f is provided in the IC card 5, there is no need to provide the behavior check means on the terminal sides 2 and 11, and it is not necessary to store the history of each card in the terminal. The system on the side can be simplified.

On the other hand, if the terminals 2 and 11 are provided with the behavior checking means, it is not necessary to provide the behavior checking means on the IC card side 5, and even if the IC card is damaged when the card is carried, Since there is no danger of deleting the history data, there is no need to be very careful when handling the card.

In the comparison formula between the number of recent transactions B and the past behavior pattern A, if the number of recent transactions B does not increase compared to the past behavior pattern A, the purpose of the present embodiment is as follows. Therefore, for example, even if a slightly larger threshold is set from the past behavior pattern A and the transaction settlement prevention processing is performed when the threshold is exceeded, a certain degree of freedom of the owner's transaction is ensured. After that, safety can be ensured.

Further, such a threshold value may be set to a higher value during the year-end and New Year period when the frequency of use is expected to increase, and may be set to a lower value at other times, for example, to make a temporal correction. In addition, even if free threshold control according to the behavior state of each owner is performed using learning control theory, etc.,
The present embodiment does not depart from the present embodiment as long as the intended effect can be obtained.

Also, the same effect can be obtained by performing the behavior check processing by replacing the number of transactions with the transaction amount.

In this embodiment, the operation when the transaction settlement is performed at the commodity terminal 11 has been described. However, the operation when the reload processing is performed at the reload terminal 2 is also described.
Similarly, the behavior check process can be performed by replacing the number of reloads with the reload amount. In this case, since the electronic money is not reloaded into the lost or stolen IC card 5, the electronic money does not decrease from the server 1, so that the theft can be reliably prevented as less than the damage.

Further, in order to enhance the security, the behavior check processing may be performed by calculating the behavior pattern in detail using the number of times and the amount of each of the transaction and the reload.

As another embodiment after it is determined to be improper, the display 11c displays a message indicating that the transaction is not possible, presents an identification card, instructs the user to re-enter a password, and pays attention to the transaction. May be performed, or a process such as photographing may be performed to determine the user.

The present invention is not limited to these specific structures. The behavior pattern of the owner is modeled from the past history, the behavior pattern is compared with the current user behavior, and a large change in the behavior is obtained. If there is a problem, it is determined that the current behavior is illegal, and if the processing such as suspending the use of the IC card or performing a warning is included, all of them are included, and in particular, the processing is not limited to these examples. Instead, the detailed structure may be changed as appropriate.

[Brief description of the drawings]

FIG. 1 is an overall system block diagram of a card settlement system.

FIG. 2 is a conceptual diagram of a card payment system.

FIG. 3 is a block diagram of FIG. 2;

FIG. 4 is a diagram showing a memory address of a product terminal.

FIG. 5 is a diagram showing a memory address of an IC card.

FIG. 6 is a flowchart for performing transaction settlement.

[Explanation of symbols]

 2, 3, 4, ... reload terminal (payment device) 5, 6, 7, 8, 9, 10 ... IC card (card) 11, 12, 13, 14, 15 ... store terminal (payment device) 5e ... history storage means 5f Behavior check means

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁶ Identification code FI G07G 1/12 321 G07F 7/08 B

Claims (6)

[Claims] 1. A card payment system for performing a transaction settlement between a card having a value and a settlement apparatus, wherein a behavior check means for checking improper transaction behavior based on a transaction history of the card is provided. , Card payment system. 2. A card comprising the behavior check means,
The card settlement system according to claim 1. 3. The card settlement system according to claim 1, wherein said behavior check means is provided in a settlement device. 4. A card payment system for performing transaction settlement between a value-added card and a payment apparatus, wherein: a history storage means for storing a value entry / exit history for the card; A card settlement system comprising: a behavior check unit for checking current transaction behavior based on a history. 5. A method according to claim 1, wherein said behavior checking means includes pattern calculation means for calculating a behavior pattern of the card user based on a history of values for each predetermined period, and checks for improper behavior based on said behavior pattern. Card payment system of 1-4. 6. The card settlement system according to claim 1, wherein the card having the value is an electronic money card.