JP2000011051A - Credit card certification system and mobile credit certification terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card certification system capable of executing certification processing on an on-line or an off-line (outside the service area of a radio communication network) by using a mobile credit card certification terminal to be used by loading it on a taxicab or the like. SOLUTION: The mobile credit card certification terminal 1 is connected to a central data processing center 4 through a packet communication system public radio communication network (a radio station 2 and a packet communication switching center 3) and a host computer in each credit card company 6 is allowed to access the center 4 on the on-line through a card business integrated network system 5. The terminal 1 is provided with a function for receiving invalid card information from the center 4 through the public radio communication network, storing the received information and deciding whether a credit card required to be certified is an invalid card or not based on the stored invalid card information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a plurality of credit card authentication terminals (hereinafter abbreviated as CAT as necessary).
A credit card authentication system in which a central data processing center connected by a public wireless communication network is accessed to a host computer of each credit card company via a card business integrated network system, and a mobile device for the credit card authentication system Regarding possible credit card authentication terminals.

[0002]

2. Description of the Related Art A card business comprehensive network system that connects a credit card member store to a credit card company and performs credit card authentication and sales processing quickly and inexpensively is provided by CAFIS of NTT Data Communications Corporation. It is typical. One or more CATs are installed at each credit card member store, and each CAT is connected to a card business integrated network system such as CAFIS via a public wired telephone network. In the case of a credit card merchant having a large number of CATs, each CAT is connected to a central data processing center of the credit card merchant via a dedicated communication cable, and this host computer is connected to a card business integrated network system. ing.

The convenience of credit cards is that relatively small payments of less than tens of thousands of yen can be made quickly and easily. Given this convenience, credit cards are the best choice for paying taxi fares. However, most taxis do not have CATs. Nevertheless, several authentication systems that allow credit cards to be used in taxis have been proposed. That is, it is proposed as a part of a taxi credit card use management system and a method of operating the taxi disclosed in Japanese Patent No. 2739094, and as a part of a taxi fare settlement device disclosed in Japanese Patent Application Laid-Open No. 10-111961. ing.

A first prior art Japanese Patent No. 2739094 discloses an IC card having an invalid card information storage section for rewritably storing invalid card information, which is card number information of an invalid credit card. A reading unit that reads, directly or indirectly, invalid card information from an invalid card information storage unit of the IC card, a card reader that reads the type and number of a credit card that requires a credit inquiry, that is, a credit card that requires authentication, and a card reader that reads the card reader. A verification unit that verifies the consistency of the obtained credit card number and compares the credit card number with the invalid card information read by the reading unit to determine whether the authentication-required credit card is an invalid credit card. In-vehicle CAT and invalid credit card Data installed in the sales office of a taxi company having an invalid card information storage unit for storing invalid information and a writing unit for writing invalid card information read from the invalid card information storage unit to the invalid card information storage unit of the IC card. This is a credit card usage management system in a taxi, comprising a management computer.

[0005] The credit card authentication and sales processing in this credit card usage management system is performed off-line. The invalid card information for checking whether or not the authentication-required credit card is an invalid card is not the latest data but data stored in advance in the invalid card information storage unit of the on-board CAT. In order to input and update invalid card information into the invalid card information storage unit of the in-vehicle CAT,
A dedicated IC card is used. In addition to the invalid card information storage unit, the dedicated IC card is provided with a transaction information storage unit that also stores information such as the type, number, and usage amount of the credit card used during the business hours of one day.

A taxi driver attaches a dedicated IC card in which invalid card information updated daily by a data management computer installed in a business office to an on-board CAT before operation, and stores the invalid card information. The data stored in the section must be updated. After the day's operation, the taxi driver must deliver the special IC card to the sales office. At the business office, transaction information such as the type, number and amount of credit card used during the business hours of each taxi is input to the data management computer via a dedicated IC card. The invalid card information stored in the IC card is updated. The data management computer is C
The host computer of each credit card company is accessed via a card business comprehensive network system such as AFIS. Therefore, the credit card transaction information used by the taxi user is input to the host computer of each credit card company, and predetermined data processing is performed. The invalid card information is received from the host computer of each credit card company via the card business integrated network system in response to a request from the data management computer, and updates the data in the invalid card information storage section of the data management computer.

The above-described credit card use management system in a taxi has a problem that the work is cumbersome because data must be transferred manually using a dedicated IC card before the taxi operates and after the operation of the day ends. . In order to ensure security, the personal identification number must be registered in a confidential or encrypted state in the dedicated IC card, which is not only troublesome but also increases the cost of the dedicated IC card. is there. Above all, since the system performs offline authentication, there is a fundamental problem that the latest invalid card information cannot be used. As described above, a system for performing off-line authentication is disclosed in Japanese Patent Application Laid-Open No. 61-2481.
No. 85 also discloses it.

[0008] Japanese Patent Application Laid-Open No. 10-111961 of the second conventional example
The credit card authentication system proposed as a part of the taxi fare settlement device disclosed in the Japanese Patent Publication has an information communication section in the on-board taxi fare settlement device, and performs a clearing process with a taxi company base station. Transfer of information and information related to billing processing is performed through a specific channel of taxi radio or a mobile phone communication network, and credit card authentication is also performed by executing inquiry processing with the base station according to card information. It is. Japanese Patent Laid-Open No. 5-128118 discloses a mobile station information transmission system in which an ID card is used to automatically deduct a taxi fare from a financial institution, but discloses a method of authenticating an ID card. There is no.

The second conventional example solves several problems of the first conventional example. However,
The transfer of information related to the clearing process and the information related to the billing process between the on-board taxi fare adjustment device and the taxi company base station is performed via a specific taxi radio channel or a mobile phone communication network. There is a problem that the CAT cannot be used outside the service area of the wireless communication network.
In addition, when a public wireless telephone with a hold time charging system is used for a mobile telephone communication network, there is a problem in that the usage fee becomes extremely high. Further, in the conventional credit card authentication system using the wireless communication network, there is a problem that communication is intercepted and confidential information is leaked.

[0010]

The first problem to be solved
It is an object of the present invention to provide a credit card authentication system using a wireless communication network capable of performing online authentication processing with a mobile credit card authentication terminal used in a taxi or the like.

A second problem to be solved is to enable a credit card authentication system using a wireless communication network to perform off-line authentication processing with a credit card authentication terminal that is movable outside a service area of the wireless communication network. It is.

A third problem to be solved is to reduce the usage fee of a wireless communication network in a credit card authentication system using a wireless communication network.

A fourth object to be solved is a credit card authentication terminal used in a credit card authentication system using a wireless communication network, which is a mobile credit card authentication suitable for online authentication processing or offline authentication processing. It is to provide a terminal.

[0014]

In order to solve the above-mentioned first problem, a number of mobile credit card authentication terminals are connected to a central data processing center by a packet communication type public wireless communication network, and the central data processing center is connected to the central data processing center. A credit card authentication system using a wireless communication network was constructed by allowing a data processing center to access a credit card company's host computer online via a card business integrated network system.

[0015] In order to solve the second problem, the mobile credit card authentication terminal receives and stores invalid card information from a central data processing center via a public wireless communication network of a packet communication system. A function is provided for determining whether the authentication-required credit card is an invalid card based on the invalid card information.

In order to solve the third problem, when the line between the mobile credit card authentication terminal held in a data communicable state and the central data processing center is disconnected due to poor radio wave condition, the radio wave The line is returned to the data communicable state in the first authentication processing after the state is successfully restored.

[0017] In order to solve the fourth problem, a movable credit card authentication terminal is provided with card information reading means for reading at least card information of a credit card requiring authentication, and transmitting the card information to the central data processing center. Further, it comprises a transmitting / receiving means for receiving the authentication result information from the central data processing center, and a display means for displaying the authentication result of the host computer of each credit card company.

Similarly, in order to solve the fourth problem,
A movable credit card authentication terminal, card information reading means for reading at least card information of a credit card requiring authentication, transmitting the card information to the central data processing center, and authenticating result information and invalid card information from the central data processing center Transmitting / receiving means for receiving the invalid card information storing means for storing the invalid card information,
The card information is compared with the invalid card information read from the invalid card information storage means, invalidation determining means for determining whether the authentication-required credit card is an invalid card, and an authentication result of the host computer of each credit card company or Display means for displaying the determination result of the invalidity determination means.

[0019]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a credit card authentication system using a wireless communication network according to the present invention, as shown in FIG. 1, is a mobile credit card authentication terminal 1 mounted on a taxi, a radio relay station. 2, a system including a packet communication switching center 3, a central data processing center 4, a card business integrated network system 5 such as CAFIS, and a credit card company 6.

The credit card authentication terminal 1 is provided with a packet communication transmitting / receiving means, and is connected to the wireless relay station 2 by a wireless transmission path 7. Between the radio relay station 2 and the packet communication switching center 3 and between the packet communication switching center 3
And the central data processing center 4 are connected by wires. The wireless relay station 2 and the packet communication exchange 3 constitute a part of a public wireless communication network of a packet communication system. Many mobile credit card authentication terminals 1 are connected to the central data processing center 4 by the public wireless communication network of the packet communication system. The central data processing center 4 is connected to the card business integrated network system 5 so that the host computer of each credit card company 6 can be accessed online via the card business integrated network system 5. The central data processing center 4 includes a computer having a processing capability corresponding to the number and data amount of the credit card authentication terminals 1, a packet communication transmitting / receiving unit for connecting the computer with the packet communication exchange 3, and the computer. It includes at least a data communication transmission / reception unit for connecting the card business integrated network system 5 and functions as a host computer for a large number of mobile credit card authentication terminals 1.

The mobile credit card authentication terminal 1 according to the present invention, as shown in FIG. 2, for example, reads a microprocessor 11 for processing data, a memory 12 for storing programs and data, and reads card information of a credit card requiring authentication. Card reader 1 as card information reading means
3. A keyboard 14 for inputting information such as a taxi fare and a payment method, a packet communication transceiver 15 for connecting to a public wireless communication network of a packet communication system, and a display as display means for displaying authentication results and the like. 16, a printer 17 for printing a receipt and the like, a battery for supplying power to these components, and a power supply circuit 18. The memory 12 comprises a read only memory ROM, a random access memory RAM, and a flash memory. Invalid card information used when the credit card authentication terminal 1 performs the offline authentication process is stored in the flash memory of the memory 12.

Hereinafter, in the credit card authentication system for taxis using the packet communication type public wireless communication network shown in FIG.
The three types of authentication processing performed in step 1, ie, the online authentication processing, the offline authentication processing, and the offline preceding authentication processing, will be sequentially described with reference to the flowcharts of FIGS.

First, the online authentication processing in the mobile credit card authentication terminal 1 is performed according to, for example, a flowchart shown in FIG. 3 in a service area of a public wireless communication network. When a taxi passenger inserts a credit card he or she wishes to use for paying a taxi fare, that is, an authentication-required credit card, into a predetermined slot of the credit card authentication terminal 1, the card reader 13 reads card information such as type and number. The data is input to the processor 11 (101). The read card information is converted into a form of packet communication by the microprocessor 11 and the transceiver 15 and transmitted from the transceiver 15 to the central data processing center 4 via the wireless relay station 2 and the packet communication exchange 3 (102). ). The central data processing center 4 accesses the host computer of each credit card company 6 online via the card business integrated network system 5 and obtains authentication result information indicating whether or not the required credit card is an invalid card. Then, the central data processing center 4 transmits the authentication result information to the credit card authentication terminal 1 via the packet communication exchange 3 and the wireless relay station 2.

The credit card authentication terminal 1 waits until the authentication result information is received (103), and upon receiving the authentication result information, decrypts the authentication result information and determines whether or not the required credit card is an invalid card (104). When it is determined that the card is invalid, the fact is displayed on the display 16 (107),
If it is determined that the card is not an invalid card, the processing shifts to processing for paying a taxi fare. The processing for paying the taxi fare is input of the taxi fare amount and the payment method using the keyboard 14 (105), and the fare payment processing (106) performed based on the input information. The fee payment process (106) includes a process of causing the printer 17 to print a receipt, and a process of transmitting payment information such as the amount of money described in the receipt and a payment method to the central data processing center 4. When the display of the invalid card or the fee payment processing is completed, the online authentication processing in the mobile credit card authentication terminal 1 ends (108). These series of processes are performed by the microprocessor executing instructions according to a predetermined program.

Outside the service area of the public wireless communication network, the online authentication processing as shown in FIG. 3 cannot be executed. In such a case, the offline authentication processing in the mobile credit card authentication terminal 1 is performed according to, for example, a flowchart shown in FIG. That is, when an authentication-required credit card is inserted into a predetermined insertion slot of the credit card authentication terminal 1, the card reader 13 reads card information such as a type and a number and inputs the card information to the microprocessor 11 (201). Next, the microprocessor 11 reads out the invalid card information from the memory 12 (202), and compares the invalid card information with the card information read by the card reader 13 to determine whether or not the authentication-required credit card is an invalid card. (203).

When the microprocessor 11 determines that the card is invalid, the microprocessor 11 displays the fact on the display 16 (206). When it is determined that the card is not invalid, the microprocessor 11 shifts to a process for paying a taxi fare. . The process for paying the taxi fare includes inputting the amount of the taxi fare and the payment method using the keyboard 14 (204), and paying the taxi to the printer 17 based on the input information (205). is there. When the display indicating that the card is an invalid card or the fee payment processing is completed, the offline authentication processing in the mobile credit card authentication terminal 1 ends (207). The invalid card information stored in the memory 12 is obtained from the central data processing center 4 by periodically accessing the host computer of each credit card company, and is stored. In some cases, the data is read out by the central data processing center 4 based on a transmission request, and transmitted to the credit card authentication terminal 1 via a public wireless communication network including the packet communication switching center 3 and the wireless relay station 2. The transmission request and reception of the invalid card information and the storage in the memory 12 are performed at the start of the taxi operation.

The mobile credit card authentication terminal 1 having the function of executing the off-line authentication processing as shown in FIG. 4 according to the present invention saves the usage fee of the public wireless communication network within the service area of the public wireless communication network. Possible usage is possible. This is a method of executing the offline authentication processing prior to the online authentication processing. In the off-line advanced authentication processing, the credit card authentication terminal 1 first reads card data (301) and reads invalid card information (30) as shown in FIG.
2), a series of processing of determining whether or not the card is invalid (303), that is, step 201 of the offline authentication processing in FIG.
To 203 are executed. Next, when it is determined in step 303 that the card is not an invalid card, the online authentication processing in steps 304 to 308, that is, the same processing as in steps 102 to 106 in FIG. 3 is executed.

If it is determined in step 303 that the card is invalid, the fact is displayed on the display 16 (30).
9). Also, when the authentication-required credit card determined to be not an invalid card in the offline authentication processing is determined to be an invalid card in the online authentication processing of steps 304 to 306 executed thereafter, the display unit 16 is also activated. Is displayed to that effect (309). When the display indicating that the card is an invalid card or the fee payment processing is completed, the off-line advanced authentication processing in the mobile credit card authentication terminal 1 ends (310). According to some data, the percentage of credit cards determined to be invalid cards in the authentication processing in the credit card authentication terminal 1 is about 10%. If so, in a credit card authentication system using a packet communication type public wireless communication network according to the present invention, if an offline authentication process is performed prior to an online authentication process, an authentication credit card which requires an online authentication process is required. Can be reduced by about 10 percent. In other words, the amount of information transmitted by the packet communication type public wireless communication network is reduced by about 10%. Therefore, the usage fee of the public wireless communication network of the packet communication system, which is an information amount charging system, can be reduced correspondingly.

Next, if the line between the mobile credit card authentication terminal held in the data communicable state and the central data processing center is disconnected due to the poor radio wave condition, the radio wave condition is restored after it is successfully restored. The operation of the credit card authentication system according to the present invention in which the line is returned to the data communication enabled state in the first authentication processing will be described. FIG. 6 shows the relationship between the time change of the radio wave state in the service area of the public wireless communication network and the transmission of information according to the present invention. Generation of information exchanged between the on-board credit card authentication terminal 1 and the packet communication type public wireless communication network when a taxi passing through a place with good and poor radio wave conditions It is the figure which showed what a point and a frequency were by two examples.
In FIG. 6, the transmission example 1 shown in the middle part is a case where the credit card authentication terminal 1 and the public wireless communication network of the packet communication system are connected by a normal method. This is a case where connection with a public wireless communication network of a packet communication system is established by the method according to the present invention.

In the transmission example 1 in the case of connection by a normal method, when the first online authentication processing is started when the radio wave condition is good, the line connection control information S is transmitted from the credit card authentication terminal 1. Then, line connection control is performed, and the line with the central data processing center 4 is set to a state in which data communication is possible. Next, card information D for online authentication is transmitted to a line in which data communication is possible. Even if the transmission of the card information D for online authentication is completed, if the radio wave condition is good, the line is held in a state where data communication is possible (shaded portion). When the taxi enters the tunnel and the radio wave condition becomes poor, the line is disconnected and the data communication state is not maintained. When the taxi leaves the tunnel and the radio wave condition becomes good, the credit card authentication terminal 1 transmits the line connection control information S, and the line returns to a state where data communication is possible.
If a taxi enters the basement of the building and the signal condition deteriorates, the line will be disconnected. When the taxi comes out on the ground and the radio wave condition becomes good, the credit card authentication terminal 1 transmits the line connection control information S, and the line returns to a state where data communication is possible. When the second online authentication process is started in this state, the card information D is transmitted for online authentication. Then, if the signal condition is good,
The line is held in a state where data communication is possible.

In the transmission example 2 by the connection method according to the present invention, when the first online authentication processing is started when the radio wave condition is good, the line connection control information S is transmitted from the credit card authentication terminal 1. Line connection control is performed to bring the line to the central data processing center 4 into a state where data communication is possible. Next, card information D for online authentication is transmitted to a line in which data communication is possible. Even if the transmission of the card information D for online authentication is completed, if the radio wave condition is good, the line is kept in a state where data communication is possible. When the taxi enters the tunnel and the radio wave condition becomes poor, the line is disconnected and the data communication state is not maintained. Even if the taxi leaves the tunnel and the signal is good, the line remains disconnected. Therefore, even if a taxi subsequently enters the basement of the building and the radio wave condition becomes poor, or if the taxi comes out on the ground, the line remains disconnected. In such a line disconnected state and when the radio wave condition is good,
When the second online authentication process is started, the credit card authentication terminal 1 transmits line connection control information S, and the line returns to a state where data communication is possible. Next, card information D for online authentication is transmitted to the line. Thereafter, if the radio wave condition is good, the line is maintained in a state where data communication is possible.

When the number of information transmissions is compared here, in the transmission example 1, the line connection control information S is three times and the card information D for online authentication is two times, that is, a total of five times. In Example 2, the line connection control information S is twice and the card information D for online authentication is twice, that is, four times in total.
In the transmission example 2 according to the connection method according to the present invention, the number of transmissions of the line connection control information S is one less than in the transmission example 1 in the case where the connection is performed by the normal method. If the line is disconnected due to poor radio wave condition, the effect of the connection method according to the present invention is that the line is kept disconnected until the first online authentication process after the circuit disconnection is started. It is.

In the transmission example 1 in the case of connection by a normal method, if the radio wave condition of the line is bad and the line is disconnected, the line control information S is always transmitted every time the radio wave condition changes from bad to good. If the change of the radio wave condition is repeated many times before the first online authentication process is started after the first circuit disconnection, the transmission of the line control information S is performed many times. Will be repeated.
According to the connection method according to the present invention, since such unnecessary transmission of the line control information S is prevented, the amount of information transmitted from the credit card authentication terminal to the line is reduced accordingly. Accordingly, the usage fee of the public wireless communication network of the packet communication system, which is an information amount charging system, can be reduced accordingly.

If the line between the mobile credit card authentication terminal held in the data communicable state and the central data processing center is disconnected due to poor radio wave condition, the first authentication after the radio wave condition is restored to good condition. In the processing, the line is returned to the data communicable state by the credit card authentication terminal 1 having a microprocessor. This is realized by providing a unit for stopping transmission of the line control information S until the first online authentication process is started later.

[0035]

According to the present invention, a number of mobile credit card authentication terminals are connected to a central data processing center by a packet communication type public wireless communication network, and the central data processing center is connected via a card business integrated network system. A credit card authentication system in which the mobile credit card authentication terminal is capable of performing online authentication processing by accessing the host computer of each credit card company online, thereby ensuring a low usage fee and security. We have realized a credit card authentication system and a mobile credit card authentication terminal that can perform online authentication processing in taxis and delivery vehicles by simple operations using this system.

Also, by providing the mobile credit card authentication terminal with a function of performing an offline authentication process in addition to a function of performing an online authentication process, it is possible to perform the offline authentication process outside the service area of the public wireless communication network. Now you can. Therefore, in taxis equipped with a mobile credit card authentication terminal having two authentication processing functions, online and offline, credit cards can be used nationwide. In this case, the invalid card information used for the off-line authentication process is the information transmitted from the central data processing center via the wireless communication network and received by the credit card authentication terminal and stored in its memory. Compared to the conventional offline authentication system using invalid card information stored in memory using a medium,
Since the latest invalid card information can be used, reliability has been improved, and handling has become easier.

Further, in a credit card authentication system in which a mobile credit card authentication terminal and a central data processing center are connected by a public wireless communication network of a packet communication system, a line is disconnected due to occurrence of a poor radio wave condition. In such a case, the line is returned to the data communicable state in the first authentication processing after the radio wave state defect is removed, and the line connection control information is transmitted every time the change in the radio wave state is repeated. Because it was lost, the usage fee for the public wireless communication network was reduced accordingly.

In the present invention, information can be compressed between the credit card authentication terminal and the central data processing center and transmitted over a public wireless communication network of a packet communication system, and both online authentication processing and offline authentication processing can be performed. In the possible credit card authentication terminal according to the present invention, if the off-line authentication process is always performed before the on-line authentication process, the amount of information transmitted and received for the on-line authentication process can be considerably reduced. It has become possible to reduce the usage fee of the wireless communication network.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an embodiment of a credit card authentication system using a wireless communication network.

FIG. 2 is a configuration diagram of one embodiment of a mobile credit card authentication terminal.

FIG. 3 is a flowchart of an embodiment of an online authentication process.

FIG. 4 is a flowchart of an embodiment of an offline authentication process.

FIG. 5 is a flowchart of an embodiment of an offline advance type authentication process in which an offline authentication process is performed prior to an online authentication process.

FIG. 6 is a diagram showing, by two transmission examples, the state of transmission of the line connection control information S and the online authentication information D from the credit card authentication terminal to the line when the radio wave state repeatedly changes over time.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Movable credit card authentication terminal 2 Wireless relay station 3 Packet communication switching center 4 Central data processing center 5 Card business integrated network system 6 Card company 7 Wireless transmission line 11 Microprocessor 12 Memory 13 Card reader 14 Keyboard 15 Packet communication transmission / reception Machine 16 display 17 printer 18 battery / power supply circuit

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[Procedure amendment]

[Submission date] July 30, 1999 (July 7, 1999)
0)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claim 2

[Correction method] Change

[Correction contents]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] Claim 3

[Correction method] Change

[Correction contents]

Continuing from the front page (72) Inventor Kenji Murata 1-8-1, Nakase, Mihama-ku, Chiba-shi, Chiba Prefecture Inside Seiko Instruments Inc. (72) Inventor Katsuhiko Wada 1-8-8 Nakase, Mihama-ku, Chiba-shi, Chiba Seiko Instruments Inc. Inside the company (72) Inventor Masayuki Hatano 1-8-8 Nakase, Mihama-ku, Chiba City, Chiba Prefecture Inside Seiko Instruments Inc. (72) Inventor Hitoshi Tachibana 1-8-8 Nakase, Mihama-ku, Chiba City, Chiba Prefecture Seiko Instruments Inc. F term (reference) 3E027 DA05 DA09 3E042 AA05 CC03 CE06 EA01 EA04 5B049 AA01 AA05 BB32 CC39 DD01 DD04 EE24 FF01 FF02 FF07 GG03 GG04 GG07

Claims (5)

[Claims] 1. A number of mobile credit card authentication terminals are connected to a central data processing center by a packet communication type public wireless communication network, and the central data processing center is connected to each credit card via a card business integrated network system. A credit card authentication system in which a mobile credit card authentication terminal can perform online authentication processing by accessing a company host computer online. 2. The mobile credit card authentication terminal receives and stores invalid card information from a central data processing center via a public wireless communication network of a packet communication system, and requires authentication based on the stored invalid card information. 2. The credit card authentication system according to claim 1, further comprising a function of determining whether or not the credit card is an invalid card, so that the mobile credit card authentication terminal can perform an offline authentication process. 3. If the line between the mobile credit card authentication terminal held in a data communicable state and the central data processing center is disconnected due to a poor radio wave condition, the first time after the radio wave condition is successfully restored. 2. The credit card authentication system according to claim 1, wherein said line is returned to a data communicable state by said authentication processing. 4. Card information reading means for reading card information of an authentication-required credit card, packet transmitting / receiving means for transmitting said card information to said central data processing center and receiving authentication result information from said central data processing center, 2. A mobile credit card authentication system for a credit card authentication system according to claim 1, further comprising display means for displaying an authentication result of a host computer of each credit card company, wherein the credit card authentication processing can be performed online. Terminal. 5. Card information reading means for reading card information of a credit card requiring authentication, packet communication for transmitting said card information to said central data processing center and receiving authentication result information and invalid card information from said central data processing center. Transmitting / receiving means, invalid card information storing means for storing the invalid card information, and comparing the card information with the invalid card information read from the invalid card information storing means to determine whether or not the authentication-required credit card is an invalid card. Claims comprising: invalidity determination means; and display means for displaying the authentication result of the host computer of each credit card company or the determination result of the invalidity determination means, so that the credit card authentication processing can be performed online or offline. Mobile credit card for credit card authentication system 2 Tokado authentication terminal.