JP2001297285A - Card payment device and card payment method - Google Patents

Abstract

(57) [Summary] [Problem] To provide a card payment device and a payment method with enhanced security effect in a payment system using a card. SOLUTION: An ID card 11 and a payment card 12 are provided.
Using a single card, the card reader 13 reads the data stored in the two cards 11 and 12, and compares predetermined data of the read data with the comparison device 14,
Only when the comparison results match, the payment machine 15 operates to perform card payment. If the comparison result in the comparison device 14 does not match, the card is settled as being used by a person other than the person and card payment is not performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention
The present invention relates to a card payment device and a card payment method using a D card.

[0002]

2. Description of the Related Art Conventionally, cashless payment for paying for various services such as purchase of goods or accommodation at hotels using a credit card has been widely used.
In this credit card settlement, the user presents the card and signs the slip when purchasing goods, the retailer receives the fee from the credit card company, and the credit card company later pays the fee from the card user's bank account etc. To complete payment.

[0003] In recent years, settlement by debit card has begun to be performed. This is a system in which a bank card issued by a bank is inserted into a debit terminal of a retail store, and a password is deducted from the bank account by inputting a password.

[0004]

However, in such a payment system using a credit card or a bank card, unauthorized use by a person other than the card owner is a serious problem. For example, a credit card is signed at the time of use, but it is not actually possible to confirm that it is the card's signature. Therefore, there is an ever-increasing number of cases where a card of another person is picked up, stolen, or forged to be illegally used. For this reason, some cards use a password or the like. However, in many cases, the password uses a birthday or a telephone number, and can be easily estimated, which is insufficient as a security measure for personal identification.

[0005] On the other hand, in electronic payment using a bank card, a password is input when operating with a debit terminal at a retail store. However, as described above, a password can be easily estimated for many cards. Sometimes it is easily known by others. Also recently,
There is also a frequent crime that data is stolen from card readers and debit terminals at retail stores, and cards are forged. Therefore, if your bank card is stolen or forged,
It is not uncommon for cash to be withdrawn from a bank ATM as well as the purchase of goods.

[0006] As described above, the conventional card-based payment system has a major problem in terms of security.

An object of the present invention is to solve such a problem, and an object of the present invention is to provide a card payment apparatus having a higher security effect in a payment system using a card.

[0008]

According to the present invention, there is provided a card settlement apparatus comprising: a reading means for reading an ID card and a payment card presented by a user;
It has a configuration including means for comparing the data of the D card with the data of the payment card, and a payment means for performing payment with the payment card when the comparison result matches.

With this configuration, even if a bank card or a credit card having a settlement function is lost or forged, it cannot be settled with only one card, so that unauthorized use by anyone other than the person can be prevented. .

[0010] Further, the card settlement apparatus of the present invention, in the above configuration, has a configuration in which the card reading means reads the card in a non-contact manner. With this configuration, the card reading operation can be easily performed, and the settlement operation can be speeded up.

[0011] Further, the card settlement device of the present invention has a configuration in which the card is read by contacting the card with the card reader in the above-mentioned configuration. With this configuration, the majority of cards currently in circulation can be used as they are.

Further, the card settlement apparatus of the present invention has a configuration in each of the above-described configurations, in which data of a card to be compared includes at least electronic data. With this configuration, the data reading and comparison operations can be performed electronically, so that the settlement operation can be speeded up.

[0013] Further, the card settlement apparatus of the present invention has a configuration in each of the above-described configurations, in which the ID card has data for identifying a user. With this configuration, user authentication can be performed reliably.

Further, the card settlement apparatus of the present invention can read an ID card based on character data presented by a user.
Reading means, second reading means for reading a payment card, means for comparing data read by the first and second reading means, and payment means for performing payment with the payment card when the comparison results match. .

With this configuration, even if a bank card or a credit card having a settlement function is lost or forged, unauthorized use by anyone other than the user can be reliably prevented.

Further, the card settlement method of the present invention compares the data recorded on the ID card presented by the user with the data stored in the settlement card, and performs settlement when they match. . As a result, even if a bank card or a credit card having a settlement function is lost or forged, it cannot be settled with only one card, so that unauthorized use by another person other than the principal can be prevented.

[0017]

Embodiments of the present invention will be described below with reference to the drawings.

(Embodiment 1) FIG. 1 is a conceptual diagram illustrating the principle of a card settlement apparatus according to the present invention. In the present invention, two cards, an ID card 11 and a settlement card 12, are used, and the card reader 13 uses the two cards 11, 1
2 is read, predetermined data of the read data is compared by the comparing device 14, and only when the data match, the payment machine 15 is operated to complete the card payment. If the comparison result in the comparison device 14 does not match, the card is settled as being used by a person other than the person and card payment is not performed.

The ID card 11 is a personal identification card.
For example, a card in which at least a part of personal authentication data is electronic data, such as various credit cards other than a payment card, a license in which authentication data is displayed in characters, a hospital card, a seal registration card, a membership card, etc. Cards issued by public institutions and certain facilities are used. In addition to the existing cards, a dedicated card newly created for identity verification at the time of settlement may be used. In addition to these cards, non-card-shaped authentication members that can identify the user, such as health insurance cards, passports, and resident cards, can also be used. In this specification, these are collectively referred to as an ID card 11 including the claims.

As the payment card 12, a card attached to a payment account, such as a bank card, a postal savings card, or a credit card, in which at least a part of data for identifying an owner is stored as electronic data, is used. You.

The data for comparing the ID card 11 and the settlement card 12 is preferably stored as electronic data, and the encoded name and address are suitable. In the case where other data, for example, a personal identification number or a signature is stored as electronic data or character data, the security effect is further enhanced by using them together. FIG. 2 is a block diagram showing a hardware configuration of the card settlement device according to the present embodiment by making contact. When the ID card 11 and the payment card 12 are wirelessly communicable cards like an IC card, they are read by the card reader 22 via the antenna 21 in a non-contact manner. In the case of a magnetic card having no wireless communication function, a card reader 22
The data is read by inserting or passing the ID card 11 and the settlement card 12 to the predetermined positions. CPU23
Stores the data read by the card reader 22 in the RAM 25 in accordance with the program stored in the ROM 24. The payment machine 26 operates when the authentication data in the ID card 11 and the authentication data in the payment card 12 match, and performs a predetermined payment operation. The settlement result is displayed on the display device 27.

Next, the operation will be described with reference to the flowchart of FIG. When purchasing an article at a retail store, the purchaser presents two cards, an ID card 11 and a payment card 12. In step 1, the clerk of the retail store reads the ID card 11 with the card reader 22 and writes the data read in step 2 in the RAM 25. Next, in step 23, the payment card 12 is read by the card reader 22, and the data read in step 4 is written in the RAM 25. In addition. The order of card reading is reversed, and the payment card 12 is set in step 1 and the ID card 1 is set in step 3
1 may be read. 1 payment card 12
If it is set in advance whether to read at the second time or at the second time, a card having a payment function such as a bank card used as the payment card 12 or a credit card other than a credit card can be used as the ID card 11. it can.

In step 5, the CPU 23 compares the read data of the ID card 11 and the data of the payment card 12 according to a program stored in the ROM 24. The type of data to be compared is preset in a program stored in the ROM 24, and is used, for example, as authentication data for comparing names and addresses.

As a result of the comparison in step 5, it is determined in step 6 whether or not there is matching authentication data. If there is, the process proceeds to step 7, and the payment machine 26 performs a payment operation. The settlement result is displayed on the display device 27 and a predetermined slip is issued. If the comparison result in step 6 does not match, it is determined that the user is other than the user, and in step 8, the authentication mismatch is displayed on the display device 27, and the settlement operation is not performed.

(Embodiment 2) FIG. 4 is a block diagram of a card settlement apparatus according to Embodiment 2. The same components as those in FIG. 2 are denoted by the same reference numerals, and description thereof will be omitted. In the present embodiment, a license, a health insurance card, a passport, a resident's card, in which authentication data is recorded in text information,
An ID member 31 issued by a public organization such as a membership card or a specific facility is used as the ID card 11. ID member 31
Is optically read by a sheet reader 32 such as a scanner, and the data is recorded in a RAM 25 by a CPU 23 in accordance with a program stored in a ROM 24. On the other hand, the payment card 12 has its data read by the card reader 22 and is similarly read into the RAM 25. The following operation is the same as that of FIG.

In the above embodiments, the payment of goods is described as an example. However, the payment of various services using a payment card or the withdrawal of cash by ATM using a bank card is also possible. It can be used as well.

[0027]

As described above, the present invention provides a payment card and an I
Since the payment is made using two D-cards, even if a bank card or credit card having a payment function is lost or counterfeited, it is not possible to make a payment with only one card. It is possible to prevent unauthorized use by others.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram illustrating the principle of a card settlement device according to the present invention.

FIG. 2 is a block diagram illustrating a hardware configuration of the card payment device according to the first embodiment of the present invention.

FIG. 3 is a flowchart illustrating the operation of the card settlement device according to the present invention.

FIG. 4 is a block diagram illustrating a hardware configuration of a card payment device according to a second embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 11 ID card 12 Payment card 13, 22 Card reader 14 Comparison device 15, 26 Payment machine 21 Antenna 23 CPU 24 ROM 25 RAM 27 Display device 31 ID member 32 Sheet reader

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Claims (7)

[Claims] 1. A reading means for reading an ID card and a payment card presented by a user, a means for comparing the data of the ID card read by the reading means with the data of the payment card, and a payment when the comparison results match. A card payment device comprising a payment means for performing payment with a business card. 2. The card settlement device according to claim 1, wherein said card reading means reads the card in a non-contact manner. 3. The card settlement device according to claim 1, wherein a card is read by contacting the card with the card reading device. 4. The card payment device according to claim 1, wherein the data of the ID card and the payment card includes at least electronic data. 5. The card settlement device according to claim 1, wherein the ID card has data for identifying a user. 6. An ID based on character data presented by a user
A first reading means for reading the card, a second reading means for reading the payment card, a means for comparing the data read by the first and second reading means, and a payment card when the comparison results match. A card payment device comprising a payment means for performing payment. 7. Card settlement characterized by comparing data recorded on an ID card presented by a user with data recorded on a second card for settlement, and performing settlement when they match. Method.