JP2000148860A - Authentication terminal and wristwatch type ID device for credit transaction system - Google Patents

Abstract

(57) [Summary] (with correction) [PROBLEMS] To enable a user to easily store credit card ID information of a user in a wristwatch type ID device without using a dedicated reader / writer. An authentication terminal for a credit transaction system and a wristwatch type ID device for preventing stored data from being used illegally even if the device is stolen. SOLUTION: An authentication terminal 1 for a credit card or a wristwatch type ID device 2 is transmitted to a card reader 13 for reading the ID information of the credit card, and the read ID information is stored in the wristwatch type ID device 2; A transmission / reception unit 8 for receiving ID information from the wristwatch-type ID device 2; a memory 12 for storing the read ID information and the ID information received from the wristwatch-type ID device 2; The transmission / reception unit 15 transmits the authentication result information to the processing center 5 and receives the authentication result information from the processing center 5, a display 16 for displaying the authentication result of the host computer of each credit card company 7, and the CPU 11 for controlling the above-mentioned units. did.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit transaction system for conducting transactions using a credit card, and more particularly to an authentication terminal and a wristwatch type ID device.

[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. Each credit card member store has one or more authentication terminals (CAT)
Is installed, and each authentication terminal 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 member store having a large number of authentication terminals, each authentication terminal is connected to the central data processing center of the credit card member store via a dedicated communication cable, and this host computer is connected to the card business comprehensive network system. It is connected.

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. However, there is a problem that online authentication cannot be performed in any case.

Accordingly, the applicant of the present invention connects a large number of portable authentication terminals to a central data processing center by a packet communication type public wireless communication network, and connects the central data processing center via a card business integrated network system. A low-cost and high-security credit transaction system that enables online authentication processing with the portable authentication terminal by allowing online access to the host computer of each credit card company. We have developed a portable authentication terminal that can perform online authentication processing with a simple operation on a delivery car and applied for a patent earlier (Japanese Patent Application No. Hei 10-1896).
18).

When the portable authentication terminal disclosed in Japanese Patent Application No. Hei 10-189618 is installed in a taxi, a credit card is received from a passenger, inserted into a card reader, and after reading data relating to credit, that is, ID information, the credit card is inserted. It is troublesome for the driver to perform a series of authentication procedures such as data transmission / reception returned to the extracted passenger, and the safety may be impaired if the driver is traveling. Therefore, as a general rule, the passenger must carry out the authentication procedure himself, but this is also troublesome for the passenger. Therefore,
It has been proposed to access a portable authentication terminal with a contactless IC card.

By the way, a non-contact type IC card is a card provided with an IC chip storing data and a data transmitting means. However, since data can be read without being inserted into a card reader and withdrawn from the card reader, a magnetic storage card is used. Compared to a plastic card that stores information live, the handling has been greatly reduced. However, there is also a problem that a non-contact type IC card may be forgotten to be carried and may be easily stolen. In order to solve these problems, a wristwatch type I
D devices have been proposed.

[0007] In other words, Japanese Patent Application Laid-Open No. 9-179952 discloses an ATM and a wristwatch type ID device capable of mutually transmitting and receiving data. The ATM includes a data reader, data communication means, and control means. The wristwatch type ID device includes a clock unit, a data storage unit, a data communication unit, a control unit, and a display unit. The data storage unit stores bank account details and ID information such as user IDs. By the way, a dedicated reader / writer is required to write ID information in this wristwatch type ID device. Therefore, the most prevalent magnetic stripe stores the ID information of a plastic card that stores ID information, that is, the ID information of a credit card.
To write to the D-device, you must bring it to a card company or bank with a dedicated reader / writer, or mail it to you. This is very troublesome, and significantly impairs the characteristics of the wristwatch type ID device that it is easy to carry and hard to be stolen. In addition, even if it is difficult to be stolen, if it is stolen, the data is read, and the wristwatch type ID device may be used illegally.

[0008]

The first problem to be solved
Is a wristwatch type I in a credit transaction system.
It is to enhance the convenience of the user who uses the D device. A second problem to be solved is to prevent stored data from being illegally used even if the wristwatch type ID device is stolen.

[0009]

In order to solve the first problem, a central data processing center connected online to a host computer of each credit card company via a card business integrated network system by a public communication network. An authentication terminal for a connected credit card or a wristwatch type ID device is used to store ID information read by the ID information reading unit for reading the credit card ID information in the wristwatch type ID device. Transmitting means for transmitting, said wristwatch type ID
Means for receiving ID information from the device, storage means for storing the ID information read by the ID information reading means and ID information received from the wristwatch type ID device, and storing the ID information stored in the storage means in the center. Transmitting / receiving means for transmitting to the data processing center and receiving authentication result information from the central data processing center, display means for displaying the authentication result of the host computer of each credit card company,
And control means for controlling the respective means.

A credit card or wristwatch type ID device connected by a packet communication type public wireless communication network to a central data processing center connected online to a host computer of each credit card company via a card business integrated network system. Reads credit card ID information using a portable authentication terminal
D information reading means, transmitting means for transmitting the ID information read by the ID information reading means for storage in the wristwatch-type ID device, receiving means for receiving ID information from the wristwatch-type ID device, and the ID information ID information read by the reading means and I received from the wristwatch type ID device.
Storage means for storing D information; transmitting and receiving means for packet communication for transmitting ID information stored in said storage means to said central data processing center and receiving authentication result information from said central data processing center; It comprises a display means for displaying the authentication result of the host computer, and a control means for controlling each of the means.

[0011] Further, a wristwatch-type ID device for constructing a credit transaction system together with the authentication terminal includes a receiving means for receiving ID information from the authentication terminal, a storage means for storing the ID information received by the receiving means, It comprises a transmission unit for transmitting the ID information stored in the storage unit to the authentication terminal for authentication, and a control unit for controlling each of the units.

In order to solve the second problem, a portable detecting means for detecting whether or not the wristwatch type ID device is carried,
And locking means for performing a locking process that disables transmission of ID information when an immobile is detected.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, a credit transaction system using a public communication network, which is an example of a credit transaction system to which the present invention is applied, has a portable authentication terminal 1 mounted on a taxi and a user. Is a wristwatch-type ID device 2, a wireless relay station 3, a packet exchange station 4, which can input ID information to the authentication terminal 1 via a transmission line 8 in a contactless manner during authentication.
The system includes a central data processing center 5, a card business integrated network system 6 such as CAFIS, and a credit card company 7.

The authentication terminal 1 has transmission / reception means, and is connected to the radio relay station 3 by a radio transmission line 9. Wires are connected between the radio relay station 3 and the packet switching station 4 and between the packet switching station 4 and the central data processing center 5, respectively. The wireless relay station 3 and the packet switching station 4 constitute a part of a public wireless communication network of a packet communication system. Many portable authentication terminals 1 are connected to the central data processing center 5 by the public wireless communication network of the packet communication system. The central data processing center 5 is connected to the card business integrated network system 6 so that the host computer of each credit card company 7 can be accessed online via the card business integrated network system 6.

The central data processing center 5 has an authentication terminal 1
Computer having a processing capacity corresponding to the number of data and the data amount, a transmission / reception unit for connecting the computer to the packet switching station 4, and a data communication for connecting the computer to the card business integrated network system 6. It includes at least a transmitting / receiving unit and functions as a host computer for a large number of portable authentication terminals 1.

A portable authentication terminal 1 according to one embodiment of the present invention comprises:
For example, as shown in FIG. 2, a microprocessor 11 for processing data, a memory 12 for storing programs and data,
Card reader 13 which is ID information reading means for reading ID information of a credit card requiring authentication, keyboard 14 for inputting information such as taxi fare and payment method, packet transmission / reception for connection with a public wireless communication network of a packet communication system. A display unit 16 for displaying an authentication result or the like; a printer 17 for printing a receipt or the like;
It comprises a second transmission / reception unit 18, a battery for supplying power to these components, and a power supply circuit 19. The memory 12 includes a read only memory ROM and a random access memory SRAM.

The second transmission / reception unit 18 includes the card reader 1
3. A transmitting unit for downloading the ID information of the authentication-required credit card read in 3 to the wristwatch-type ID device 2, and an ID transmitted from the wristwatch-type ID device 2 for authentication.
And a receiving unit for receiving the D information.

Next, as shown in FIG. 2, for example, a wristwatch type ID device 2 according to an embodiment of the present invention includes a microprocessor 21 for processing data, a memory 22 for storing programs and data, input of information such as a password, and the like. It comprises an input button 23 for mode switching, a body temperature sensor 24, a transmission / reception unit 25, a display 26 for displaying a transaction amount and the like, and a battery and a power supply circuit 27 for supplying power to these components. FIG. 4 is a perspective view showing an example of the wristwatch type ID device 2.

The transmitting / receiving unit 25 receives the ID information of the authentication-required credit card read by the card reader 13 from the authentication terminal 1 for downloading, and transmits the ID information to the authentication terminal 1 for authentication. And a transmission unit.

The body temperature sensor 24 is a Peltier element or a thermistor, and constitutes a part of portable detection means for detecting the presence or absence of carrying based on the user's body temperature. The portable detecting means detects whether or not the wristwatch type ID device 2 has been removed from the wrist, and includes a body temperature sensor 24 and a CPU 21. When detecting that the wristwatch-type ID device 2 has been removed from the wrist, that is, that the wristwatch-type ID device 2 is not carried, the CPU 21 immediately executes a lock process for preventing data from being transmitted from the wristwatch-type ID device 2 to the outside. That is, as shown in the flowchart of FIG. 3, the body temperature sensor 24 detects the body temperature and
It is stored in the RAM (101). The CPU 21 determines whether the detected body temperature is equal to or lower than the set temperature (102). If the temperature is equal to or lower than the set temperature, the CPU 21 determines that the portable device is not portable, and performs a lock process so that data cannot be sent from the wristwatch type ID device 2 to the outside (103).

Here, the lock processing will be described in more detail as follows. In the wristwatch type ID device 2 according to the present invention, the SRAM of the memory 12 is provided with a main password storage unit and a sub-password storage unit. For the user's password, a password is input when the ID information is input, and the password is stored in both the main password storage unit and the sub password storage unit at the same time. The ID information can be sent to the outside in a state where the same password is stored in both the main password storage unit and the sub password storage unit. Wristwatch type ID having such a configuration
In the device 2, when the improper carrying is detected, the CPU 21 immediately performs a process of clearing the contents of the sub-password storage unit. This completes the locking. Unlocking is performed by inputting a password by operating the input button 23, that is, storing the password in the sub-password storage unit of the SRAM of the memory 12.

In the case of a Peltier element, the portable detecting means for detecting the presence or absence of a portable device is arranged between the back cover and the front cover of the wristwatch type case which the arm is touching so that the temperature difference between them can be measured. Has become. In the case of a thermistor, the temperature difference between the back cover and the front cover of the wristwatch type case can be measured. The portable detection means is not limited to the body temperature sensor. A mechanical contact type sensor that uses a metal band of a wristwatch as a conductor and closes the circuit when carrying, and opens when the band is removed to detect improperity. Capacitive sensor to detect, two contact points on the back of the wristwatch to measure the resistance value when carrying with the human body as a conductor and the resistance value when the band is removed to detect non-carrying A variable sensor may be used.

Lastly, it will be described that the convenience of the credit transaction has been improved by using the authentication terminal and the wristwatch type ID device according to the present invention. Since the wristwatch type ID device has basically the same function as the non-contact type IC card, it can be used as it is for the non-contact type IC card authentication terminal. An authentication terminal according to the present invention stores ID information read by a conventional contactless IC card authentication terminal for reading credit card ID information in a wristwatch type ID device and ID information read by the ID information reading means. Therefore, ID information can be transferred from the most widespread credit card to the wristwatch type ID device. The authentication terminal is installed in a familiar place such as a department store, a supermarket, a convenience store, or a taxi.
Therefore, it has become very easy to transfer the ID information from the credit card according to the present invention to the wristwatch type ID device. Note that the authentication terminal according to the present invention and the wristwatch type ID
Information transmission with the device is performed using radio waves or infrared rays.

[0024]

By using the authentication terminal and the wristwatch type ID device according to the present invention, the ID information of the credit card can be easily transferred from the authentication terminal to the wristwatch type ID device. Credit transactions with ID devices have become more convenient. Further, the wristwatch type ID device according to the present invention is provided with a portable detecting means such as a body temperature sensor and a locking means for performing a locking process so as to prevent the ID information from being sent to the outside when an immobile is detected. Therefore, even if the wristwatch type ID device is stolen, there is no danger of unauthorized use of data. Therefore, the watch type ID
Credit transactions using the equipment have become more secure.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an embodiment of a credit transaction system using a public communication network.

FIG. 2 is a configuration diagram of one embodiment of each of a portable authentication terminal and a wristwatch type ID device.

FIG. 3 is a flowchart illustrating an example of a lock process performed by the portable detection unit of the wristwatch-type ID device.

FIG. 4 is a perspective view of one embodiment of a wristwatch type ID device.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Portable authentication terminal 2 Wristwatch type ID device 3 Wireless relay station 4 Packet exchange station 5 Central data processing center 6 Card business comprehensive network system 7 Credit card company 8 Wireless or infrared transmission line 9 Wireless transmission line 11 Microprocessor (CPU) 12 Memory 13 Card reader 14 Keyboard 15 Packet transmitting / receiving unit 16 Display 17 Printer 18 Transmitting / receiving unit for transmitting / receiving to / from wristwatch type ID device 19 Battery / power supply circuit 21 Microprocessor (CPU) 22 Memory 23 Input button 24 Body temperature sensor 25 Transmitting / receiving to / from authentication terminal Transmitter / receiver that performs the operation 26 Indicator 27 Battery / power supply circuit

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[Procedure amendment]

[Submission date] January 7, 2000 (2000.1.7)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claim 3

[Correction method] Change

[Correction contents]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0001

[Correction method] Change

[Correction contents]

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an authentication terminal used in a credit transaction system for performing a transaction using a credit card and a wristwatch type ID device used by accessing the authentication terminal. The present invention relates to an authentication terminal and a wristwatch-type ID device configured to easily store user's credit card ID information.

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0005

[Correction method] Change

[Correction contents]

When the portable authentication terminal disclosed in Japanese Patent Application No. Hei 10-189618 is installed in a taxi, a credit card is received from a passenger, inserted into a card reader, and after reading data relating to credit, that is, ID information, the credit card is inserted. It is troublesome for the driver to perform a series of authentication procedures such as data transmission / reception returned to the extracted passenger, and the safety may be impaired if the driver is traveling. Therefore, as a general rule, the passenger must carry out the authentication procedure himself, but this is also troublesome for the passenger. Therefore,
It has been proposed to access a portable authentication terminal with a contactless IC card. However, there is also a problem that a non-contact type IC card may be forgotten to be carried and may be easily stolen.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0006

[Correction method] Change

[Correction contents]

[0006] To solve these problems, a wristwatch type ID device has been proposed. That is, JP-A-9-1799
No. 52 discloses an ATM capable of mutually transmitting and receiving data.
And a wristwatch type ID device are disclosed. The ATM includes a data reader, data communication means, and control means. The wristwatch type ID device includes a clock unit, a data storage unit, a data communication unit, a control unit, and a display unit. The data storage unit stores bank account details and ID information such as user IDs.

[Procedure amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0007

[Correction method] Change

[Correction contents]

[0007] By the way, the conventional wristwatch type ID device is not limited to the one disclosed in Japanese Patent Application Laid-Open No. 9-179952, but it is necessary to write ID information into a device purchased as hardware by a dedicated reader / writer. is there.
Therefore, in order to write the ID information of a plastic card that stores ID information with a magnetic stripe that is most widespread, that is, a credit card, into a wristwatch-type ID device,
The wrist watch type ID device must be brought directly to a card company or bank provided with a dedicated reader / writer or mailed, which is very troublesome. If it is very troublesome to write the ID information on the hardware purchased, the convenience of the user of the wristwatch type ID device,
In other words, the convenience of being easily carried and stolen is greatly impaired. In addition, even if it is difficult to be stolen, if it is stolen, the data is read, and the wristwatch type ID device may be used illegally.

[Procedure amendment 6]

[Document name to be amended] Statement

[Correction target item name] 0008

[Correction method] Change

[Correction contents]

[0008]

The first problem to be solved
An object of the present invention is to make it possible to easily store ID information of a user's credit card in a wristwatch type ID device used by accessing an authentication terminal for a credit transaction system without using a dedicated reader / writer. It is. A second problem to be solved is to prevent stored data from being illegally used even if the wristwatch type ID device is stolen.

[Procedure amendment 7]

[Document name to be amended] Statement

[Correction target item name] 0011

[Correction method] Change

[Correction contents]

[0011] Further, a wristwatch type ID device for constructing a credit transaction system together with the authentication terminal is provided with storage means for storing ID information, and reception means for receiving ID information from the authentication terminal and storing it in the storage means. A transmission unit for transmitting the ID information stored in the storage unit to the authentication terminal for authentication, and a control unit for controlling each of the units.

[Procedure amendment 8]

[Document name to be amended] Statement

[Correction target item name] 0024

[Correction method] Change

[Correction contents]

[0024]

By using the authentication terminal and the wristwatch type ID device according to the present invention, it is possible to easily store the ID information of the credit card from the authentication terminal to the wristwatch type ID device without using a dedicated reader / writer. Becomes possible,
This eliminates the need for the user to directly bring or mail the wristwatch-type ID device to a card company or bank provided with a dedicated reader / writer, thereby increasing the convenience of the user of the wristwatch-type ID device. In short, credit transactions with credit cards or wristwatch-type ID devices have become more convenient. In addition, the wristwatch type ID device according to the present invention has a portable detecting means such as a body temperature sensor and an I.V.
Since the locking means for performing the locking process is provided so that the D information cannot be sent to the outside, there is no danger that the data will be used illegally even if the wristwatch type ID device is stolen. Therefore, the security of the credit transaction using the wristwatch type ID device has been enhanced.

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) // G07B 13/00 G06K 19/00 H (72) Inventor Hiroyuki Watanabe 1-chome Nakase, Mihama-ku, Chiba-shi, Chiba No. 8 Inside Seiko Instruments Inc. (72) Inventor Toru Ogino 1-chome Nakase, Mihama-ku, Chiba-shi, Chiba Prefecture Inside Seiko Instruments Inc. (72) Hidenori Fujioka 1-chome Nakase, Mihama-ku, Chiba-shi, Chiba Within Seiko Instruments Inc. (72) Inventor Jin Tachibana 1-8-8 Nakase, Mihama-ku, Chiba-shi, Chiba F-term within Seiko Instruments Inc. GG03 GG06 5B058 CA13 CA15 KA01 KA06 YA02

Claims (4)

[Claims] An authentication terminal for a credit card or wristwatch type ID device connected by a public communication network to a central data processing center connected online to a host computer of each credit card company via a card business integrated network system. ID information reading means for reading the ID information of the credit card, transmitting means for transmitting the ID information read by the ID information reading means for storage in the wristwatch type ID device, ID from the wristwatch type ID device Receiving means for receiving information; storage means for storing ID information read by the ID information reading means and ID information received from the wristwatch-type ID device; and ID information stored in the storage means to the central data processing center. And the authentication result information from the central data processing center. Receiving means for receiving, displaying means for displaying the authentication result of the host computer of the credit card company, and the authentication terminal, characterized by comprising a control means for controlling said respective means. 2. A credit card or wristwatch type ID device connected by a packet communication type public wireless communication network to a central data processing center connected online to a host computer of each credit card company via a card business integrated network system. Portable authentication terminal for reading credit card ID information
D information reading means, transmitting means for transmitting the ID information read by the ID information reading means for storage in the wristwatch-type ID device, receiving means for receiving ID information from the wristwatch-type ID device, and the ID information ID information read by the reading means and I received from the wristwatch type ID device.
Storage means for storing D information; transmitting and receiving means for packet communication for transmitting ID information stored in said storage means to said central data processing center and receiving authentication result information from said central data processing center; A portable authentication terminal comprising: display means for displaying an authentication result of a host computer; and control means for controlling each of the means. 3. A wristwatch-type ID device for constructing a credit transaction system together with the authentication terminal according to claim 1 or 2,
Receiving means for receiving ID information from the authentication terminal, storage means for storing the ID information received by the receiving means, transmission means for transmitting the ID information stored in the storage means to the authentication terminal for authentication, And a control means for controlling each of the means. 4. A wristwatch-type ID apparatus according to claim 3, wherein said detection means detects the presence or absence of a mobile phone, and said locking means performs a locking process to disable transmission of ID information when an immobile is detected. And a wristwatch-type ID device.